vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: AVANTE
State: GA

Complaint narrative:
I am not liable for this debt with Avante i do not have a contract with Avante USA they did not provide me with the original contract as requested. I have requested information on the alleged debt specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. they have failed to contact me with these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Called company on 2 different occasions. They are saying my overpayment will not be issued to me yet. It could take 2, 3 or 4 months for overpayment to be mailed out to me. They can not manually override nor can I speak to a manager regarding this issue. It has been 2.5 months and check is still not issued out to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XX/XX/XXXX I entered a contract with XXXX XXXX XXXX XXXX XXXX for a mechanical bull for my daughters graduation party. I sent the initial payment of {$250.00} to XXXX XXXX XXXX XXXXXXXX-6 with a note Insurance Deposit. We communicated back and forth, and on the day of delivery XX/XX/XXXX, I sent the remainder {$150.00} to $ XXXX XXXX XXXX with a note mechanical bull. That same day before I was blocked by that account I did request a {$150.00} payment from them with a note for fraud, they did not send it. I contacted Chime Saturday afternoon by phone and was told they could not do anything. I called my bank this morning XX/XX/year> to dispute the charges ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and was told I would need to dispute it with Chime. I contacted them again today, and was told they could not dispute it, and I was out of luck since I sent the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
" Dear CFPB Support Team, I am writing to formally report that I have not received the response regarding my complaint ( ID : XXXX ), which was marked as 'Company responded ' on XX/XX/year>. Although the portal indicates that the company sent its response directly to me, I have not received it. I have attempted to contact the company via the provided phone number ( XXXX ) XXXX XXXX and via email on multiple occasions, but I have received no reply to date. I kindly request the CFPB to intervene and provide me with the companys response directly via my registered email address, as I have been unable to obtain it through the companys direct channels. Thank you for your assistance. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: BROKER SOLUTIONS, INC.
State: GA

Complaint narrative:
On XX/XX/year> I acknowledged receipt of New American Fundings closing cost worksheet for refinancing of my residence at the current rate of 6.25 % VA 30 YR FIXED Rate. Since this time I have made inquiries regarding this matter at New American Funding Customer Service and XXXX XXXX, Sales Manager without an update by email, phone call or text. I have attached the aforementioned closing cost worksheet for your perusal. Because of New American Fundings failure to consummate the refinancing process the FHA 7.125 % Rate / 25 YR continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I essentially paid for high school over again. This college did not teach me anything that I use today XXXX XXXX. No excel. No credit analysis. No financial and or credit underwriting. Accounting was taught incorrectly. I leaned everything through job experience after climbing positions from an entry position that required a high school diploma. I have already submitted a borrower defense application last year and it is still under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SANTANDER HOLDINGS USA, INC.
State: MD

Complaint narrative:
Two diffrents collection from the same company Santander

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
I walked in to regional finance to apply for a loan. Its my 4th loan with them I believe. Everything time I apply for a loan I ask verbally for the unemployment benefit coverage. Ever agent says the same thing, Dont worry about it XXXX XXXX its included, you dont have to do anything This last time I got a loan with them I became unemployed on XX/XX/year>. I was counting on this unemployment insurance coverage. Come to be that I didnt have it on my account. I spoke with the branch XXXX, and the district XXXX and they stated that theres nothing they could do while they acknowledged that their employee since she was not properly trained did not have me sign paperwork for the unemployment benefit coverage. They said the contract was signed and Im stuck with it as is. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AA Recovery Solutions, Inc.
State: IA

Complaint narrative:
I am filing this complaint against AA Recovery Solutions regarding its collection conduct involving an alleged XXXX XXXX account. On XX/XX/scrub>, 2026, AA Recovery Solutions emailed me from XXXX with the subject line Pay Your Way Fast, Simple, and Secure. The email identified the alleged original creditor as XXXX XXXX, listed reference number XXXX, and claimed a current balance of {$1800.00}. The email did not simply provide neutral account information ; it pushed payment options, including a XXXXmonth payment plan, a XX/XX/XXXXXX/XX/XXXXtime settlement of {$1200.00}, and instructions to call or make a payment. The following morning, XX/XX/year>2026, I received a voicemail from an individual identifying himself as XXXX from AA Recovery Solutions. He stated that he was collecting my location and employment information, referenced a client, stated that several attempts had been made, said AA Recovery had been hired for location services, and told me to call back to resolve your account. He described the matter as urgent and time sensitive. A separate voicemail was also left for my husband regarding me. In that voicemail, XXXX again identified himself as being from AA Recovery Solutions and stated that he was collecting my location and employment information. He asked my husband to provide my location and employment information or to ask me to call back. The voicemail referenced a matter requiring immediate attention, referenced prior attempts by a client, and again stated that the matter was urgent and time sensitive. I believe AA Recovery Solutions voicemail to my husband was an improper third-party communication. Even if AA Recovery claims it was seeking location information, the voicemail used language that strongly implied a collection matter. It referenced AA Recovery Solutions, a client, repeated attempts, immediate attention, urgency, time sensitivity, location/employment information, and a callback request. This was not a neutral location-information request. I am also concerned that AA Recovery Solutions used inconsistent versions of my name in the voicemails while presenting the matter as urgent and time sensitive. This raises concerns about identity verification, account accuracy, and whether AA Recovery properly verified the correct consumer before contacting third parties and pressuring for a callback. I dispute this alleged debt. I do not admit liability, ownership, accuracy, collectability, or that AA Recovery Solutions has authority to collect. I am also mailing AA Recovery Solutions a written dispute and debt validation request by certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am requesting assistance regarding my mortgage loss mitigation review with Truist Bank. I paid the judgment that was previously an issue and submitted proof to Truist. I also filed an appeal and provided all requested documentation. Despite complying, my application was still disengaged/denied without a clear explanation of what condition remains unresolved. I am requesting : a detailed explanation for the denial, confirmation that all submitted documents were reviewed, and reconsideration/reopening of my loss mitigation application.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: MN

Complaint narrative:
This debt does not belong to me in no way it's for a XXXX XXXX, iam XXXX XXXX I've ask to stop contacting me the leave messages and text, and emails still

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute and demand the immediate blocking and removal of fraudulent information appearing on my credit report as a result of XXXX XXXX. I am a victim of XXXX XXXX. I have filed Federal Trade Commission Identity Theft Reports documenting the fraudulent activity involving unauthorized buy now, pay later accounts and related credit activity that I did not open, authorize, apply for, consent to, or benefit from in any way. The FTC Identity Theft Reports attached to this dispute include : FTC Identity Theft Report No. XXXX FTC Identity Theft Report No. XXXX These reports confirm that fraudulent accounts and/or charges appeared on my credit report and that unauthorized XXXX activity was discovered after I reviewed my credit reports. I did not authorize these accounts, did not receive goods or services from them, and did not provide permission for anyone to use my personal identifying information to open or use these accounts. Fraudulent Information to Be Blocked and Removed Please immediately block, delete, and remove from my credit file all accounts, tradelines, inquiries, balances, payment history, late payments, collections, charge-offs, remarks, or negative reporting associated with the following furnishers and/or account names : XXXX XXXX XXXX Any and all accounts, buy now pay later loans, personal loans, charges, balances, inquiries, late payments, collections, or related reporting. XXXX XXXX XXXX XXXX Any and all accounts, loans, balances, inquiries, late payments, collections, charge-offs, or related reporting. XXXX XXXX Any and all accounts, XXXX XXXX reporting, balances, inquiries, late payments, collections, charge-offs, or related reporting. This information resulted from XXXX XXXX and is not information relating to any transaction made by me. Formal Demand Under FCRA 605B Pursuant to FCRA 605B, 15 U.S.C. 1681c-2, I demand that you block the reporting of the above fraudulent information from my credit file within the time required by law. I am providing : Proof of my identity ; Copies of my FTC Identity Theft Reports ; Identification of the fraudulent information to be blocked ; and This written statement confirming that the disputed information does not relate to any transaction made by me. Please do not treat this as a general credit dispute. This is an XXXX block request under FCRA 605B.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
The companies claim ownership of an alleged XXXX XXXX XXXX XXXX XXXX account XXXX After requesting validation, I received only summary reports and limited statements that do not constitute competent evidence of the debt. The documents provided fail to include A signed agreement or application Complete transaction history Full payment history Itemization explaining the balance Documentation proving chain of assignment/ownership from XXXX XXXX XXXX LVNV Funding Sufficient records verifying the accuracy of the amount being reported Additionally, the Account Summary Report specifically states it is not an original account statement from the creditor. Despite incomplete validation, the account continues to be reported to the credit bureaus. I am requesting that the CFPB require the company to : XXXX. Provide competent evidence validating the debt and ownership ; XXXX. Verify compliance with FCRA and XXXX XXXX reporting requirements ; or XXXX. Delete any unverifiable or inaccurate reporting from all consumer reporting agencies. I am attaching the documents provided by the collector as evidence of incomplete validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX is collecting {$8100.00} for Toyota Motor Credit account XXXXXX/XX/XXXX that I do not owe due to identity theft. Facts : XX/XX/XXXX Insurance paid Toyota in full via checkXX/XX/XXXXXXXX for {$8300.00} on XX/XX/XXXX. Toyota negligently mailed check to XXXX XXXX XXXX, XXXX XXXX NJ. I have not lived there since my divorce XX/XX/XXXX, XXXX XXXX. I filed XXXX XXXX Police Report XX/XX/XXXXXXXX for Fraud on XX/XX/XXXX. I notified Toyota XXXX XXXX via fax XX/XX/XXXX XXXX, Confirmation XX/XX/XXXXXXXX Result : OK. XXXX XXXXXX/XX/XXXXXXXX falsely stated " no fax found '' on XX/XX/XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am filing this complaint regarding a dispute investigation handled by Capital One that I believe was rushed, poorly handled, and unfairly resolved in favor of the merchant without a thorough investigation. I submitted my dispute in good faith and was initially provided a provisional credit, which was then removed almost immediately. The dispute was also closed earlier than the timeframe I was originally advised to expect, causing me serious concern that proper due diligence was not completed before a decision was made. I do not feel that I was adequately protected or treated fairly as a customer, and I was not provided with a sufficient explanation of the evidence reviewed or how the final determination was reached. The handling of this matter made me feel unsafe and unsupported as a consumer relying on my financial institution to properly investigate disputed transactions. I am requesting that Capital One reopen and reinvestigate my dispute, provide a detailed explanation of their decision, and review whether proper procedures and investigation standards were followed in my case. And there is restrictions on what I can upload as proof and how.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am a victim of identity theft and am formally disputing an XXXX XXXX auto loan account opened in XX/XX/XXXX. I did not authorize this loan, sign any contract, or receive the vehicle. The account was eventually written off in XX/XX/XXXX, causing severe damage to my credit. The Issue : I have contacted XXXX XXXX numerous times to request proof of this debt and copies of the original application records. XXXX XXXX has failed to provide any verification or documentation. Legal Violation : XXXX is in violation of FCRA Section XXXX ( XXXX ), which requires business entities to provide records of fraudulent accounts to victims. Furthermore, because this is the result of identity theft, it should be blocked from my credit report under FCRA Section XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I purchased a XXXX phone from Best Buy and used their credit card. I returned the phone per the stores instructions via XXXX on XX/XX/XXXX. I received a confirmation on XX/XX/XXXX from XXXX advising the phone was delivered. I have gone to store XXXX times to fix and Best Buy blames XXXX and XXXX blames Best Buy. I continue to receive calls regarding payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
On XX/XX/26 I contacted PHH Mortgage ( now Onity ) in regards to canceling the escrow account as Ill pay XXXX and property tax directly. They wanted a surplus in the account to avoid a shortfall even though there hasnt been a shortfall issue previously. On XX/XX/26 they added a new XXXX policy for {$2000.00} claiming there was a lapse of insurance. I explained that there was never a lapse as they were the ones paying for the insurance out of the escrow account. How could there be a lapse if there was money in escrow and they paid directly to insurer and insurer was paid throughXXXX On XX/XX/26 my escrow account was slated to close and was told there is only {$38.00} in the escrow account. They still havent canceled the false insurance added nor reapplied the funds back ti my escrow account. Im of the belief that once you ask to start the process of canceling escrow they place false charges on an account essentially stealing from their client. I cant believe Im the only one as the timing is very suspect. As of today the escrow account still only has {$38.00} instead of at least {$2000.00} which should be coming directly to me. Furthermore I sent a principle and interest payment of {$2100.00} which they received on XX/XX/26. They arent applying it stating its short the escrow minimum balance of {$3800.00}. Meaning they want a payment of {$5900.00} even though they used {$2000.00} of it to obtain another policy and the fact that there was a closing date of XX/XX/26. Am I supposed ti send another {$3800.00} when {$2000.00} was already taken out without legitimate reason? When would I receive that back? If not for my 3.12 % interest rate I would be refinancing at another lender as these guys are shady.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation