vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I submitted formal personal identifying information ( PII ) correction requests to the consumer reporting agencies prior to disputing the Midland Credit Management account.

XXXX  received my PII correction request on XX/XX/XXXX XXXX  received my PII correction request on XX/XX/XXXX XXXX  received my PII correction request on XX/XX/XXXX While these PII reinvestigations were pending, I submitted account-level disputes regarding a Midland Credit Management collection account associated with XXXX XXXX . 

XXXX  received the account-level dispute on XX/XX/XXXX XXXX  received the account-level dispute on XX/XX/XXXX XXXX  received the account-level dispute on XX/XX/XXXX Despite unresolved PII issues and active account-level reinvestigations, Midland Credit Management verified the account as belonging to me and updated the tradeline to reflect recent activity during the reinvestigation period.

Due to the failure of the consumer reporting agencies to properly resolve the PII issues and Midland Credit Managements continued verification and updating of the account during active disputes, I filed CFPB complaints on XX/XX/XXXX against XXXX, XXXX, and XXXX. 

Attached : CFPB screenshot of CRA complaints Verification notification of account being verified by furnisher from CRA ( XXXX  ) Verification and updated results of account from dispute Screenshots from XX/XX/XXXX credit report reflecting active furnishing and updating for all 3 CRAs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I did was work on line when I got paid I used the check to open an account at chase bank in XXXX texas they said there was something wrong with the sequence of the numbers in the check the check was written on a chase account I explained that I received the check for service I did but they closed my account an I an my name is in a XXXX XXXX XXXX an XXXX can not get a bank account that's not an on line account I want my name taken off I contacted the company an the check was in fact good please help get my name out of this service it is effecting me in a negative way thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
What happened I disputed this account and requested validation. In response, Eastern Revenue , INC sent a verification packet that included a signature page, purportedly showing my agreement to the debt. 
The signature on the document is not mine. 
I did not sign the agreement, I do not recognize the signature, and I did not authorize anyone to sign on my behalf. 
Despite this, the creditor is treating the account as verified and continues to assert that I am responsible for the debt. 
Why is it a violation Providing documentation with a forged or non-matching signature does not constitute valid verification and is misleading. 
This conduct may violate : FCRA 623 ( a ) ( 1 ) furnishing information known or should be known to be inaccurate FDCPA 1692e false or misleading representation of a debt FCRA 611 failure to reasonably investigate a dispute involving identity and contract authenticity A debt can not be enforced or reported unless the creditor can produce a legally binding agreement bearing my actual signature or authenticated authorization. They have failed to do so.

What I am requesting I respectfully request that the CFPB require Service 1st Bank to : 1. Cease reporting and collection activity unless they can produce a valid agreement signed by me 2. Correct or delete the tradeline from all credit bureaus if they can not authenticate the signature 3. Conduct a proper investigation into how a document with a non-matching signature was used as verification. 

Thank you for your assistance in addressing this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX ( Crypto.coms dispute resolution team ) issued final determination letters confirming that multiple unauthorized transaction disputes on my prepaid card were resolved in my favor and that provisional credits were made permanent. 
The XX/XX/XXXX letter explicitly states : These provisional credits are now permanent and Any applicable fee ( s ) have been reversed. 
Despite this, my available balance remains {$0.00}, and the funds have not been released. 
Support agents have provided inconsistent information : some claim the credits were reversed or the dispute was not in my favor, contradicting the written final determination. 
Crypto.com indicated the funds would be accessible after a new card reissuance, but no timeline for issuance has been provided, and the funds remain inaccessible. 
I have cooperated fully, including providing any required verification or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
In XXXX, Loancare LLC tried to send me a check for Unclaimed Escrows. They sent multiple checks to me but never in my legal name. They chose to misspell my name on purpose even though I talked to them on the phone and made it VERY clear on how to spell it with the Phonetic alphabet.

I never got the chance to cash the original check because they never spelt my name correctly, thus the bank would not let me cash it in. I then left the matter to the State to become Unclaimed Property and was able to cash some of it in XX/XX/XXXX. 

However as of now, {$400.00} is missing and as far as I know, Loancare LLC is still in possession of it.

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
after i check my on-line account it showed paid with credit limit of XXXX available of credit of XXXX i paid the total amount XXXX XX/XX/2025 vie check number XXXX full amount so why is im still showing XXXX in my credit file after i close this account the representative said interest over and and over again in spite of evidence right in front of her with an attitude. refuse to hear me or correct the issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Froze my bank account during emergancy weather. Did not provide proof of debt. 

I have been compromised with XXXX  breach and military personnel records breach. Have had fraud protection on my credit since 2015. That requires Id and verification. 

I want contract and Identification to verify debt. Froze my account without providing verification

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I am a confirmed victim of identity theft and filed FTC Identity Theft Reports under penalty of perjury in XX/XX/XXXX. Those reports expressly document fraudulent mobile phone accounts opened using unauthorized personal identifiers, including fraudulent address and name variants that do not belong to me. The existence of these FTC reports placed XXXX XXXX and Sequium Asset Solutions , LLC on notice that any obligation arising from such activity is the result of identity theft and is unenforceable. 

Despite this, XXXX XXXX furnished, and Sequium Asset Solutions , LLC attempted to collect and report, a mobile collection account that was assigned on XX/XX/XXXX and later published to consumer reporting agencies with a status and balance date of XX/XX/XXXX. This activity occurred after identity theft had already been documented and disclosed. Once an FTC Identity Theft Report exists, continued collection, communication, or furnishing activity related to the fraudulent account is prohibited and can not be cured through verification or furnisher confirmation. 

After providing written notice directing Sequium Asset Solutions and XXXX XXXX to cease collection, communication, and reporting due to identity theft, any continued activity constitutes knowing and willful noncompliance. Verification, matching, or reliance on previously compromised identifiers is legally irrelevant once identity theft has been established. Continued attempts to collect or furnish this account represent violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, including unlawful post-notice furnishing, continued collection activity on an identity-theft account, and improper use of fraudulent identifiers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ratchford Law Group, P.C.
State: NY

Complaint narrative:
on or around XXXXXXXX XXXX XXXXXXXX i received a phone call about a debt from Ratchford law group with the on going conversation i requested documents from them about the debt in which i did not receive in the 30 day time frame on the letter that i have the date is XXXX XXXX post mark of the mailing date is XX/XX/XXXX and i didn't receive the paperwork until XX/XX/XXXX with misinformation with in the paperwork the amount is over XXXX which is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I am reporting a severe failure by Capital One to secure my account and provide access to my funds. For several months, I have been locked out of the Capital One mobile app. I have called customer service XXXX times to resolve this. During the initial calls, I was told my phone number was not in the system ; despite providing verification codes, agents claimed they could not help and told me to 'wait another day. ' Because Capital One failed to restore my digital access, I was unable to monitor my account. Consequently, my card was accessed by an unauthorized third party who made a fraudulent {$36.00} charge to XXXX. I confirmed with XXXX that this charge was not on my personal account. 
I paid the {$36.00} balance out of concern for my credit score and out of desperation to resolve the account 'warning, ' but the lockout continues. 
Despite deactivating the compromised card, I have never received the replacement card promised to me. Every time I call, agents state there is a 'warning ' on my account that prevents them from taking action. I am now stuck in a loop where the bank 's own security failures are being used as a reason to deny me service. 
I demand the following resolution : A manual override of the 'warning ' on my account by an Executive Specialist.

Immediate restoration of my mobile app and online access.

Verification of my mailing address and overnight delivery of a new replacement card. 
A refund/credit of the {$36.00} fraudulent XXXX charge that I paid under duress. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: LA

Complaint narrative:
So on XX/XX/XXXX the XXXX I filed a dispute with cash app for the amount of {$100.00} on three transactions to s XXXX for a total of {$300.00}. So today is XXXX the XXXX XXXX and I did the money back so I took the liberty out to call the vendor and tell them the situation because cash app was too lazy to do it or not incompetent enough to know what number to dial to talk to the vendor so I'll call him and tell the situation and the vendor sends the money back to me today at XXXX XXXX. on three different refunds into my account at Cash app and for some reason some genius at Cash have decides to cancel all three of them and send the money back and say that I lost the disputes and open them back up to being investigated again they broke a lot of laws and I want them held accountable what they're doing is dirty and their corrupt institution that needs to be investigated by the FDIC or somebody. So about XXXX minutes ago I got all my transaction history to try to figure out where the disputes were for XX/XX/XXXX and they all the sudden disappeared out of my transaction history so they're trying everything they can to cover their tracks. And now all the sudden after I threatened to go to the place with this evidence that disappears in my account reopens back up all the sudden after they close tonight.. I can send money now I can use my card now and they're acting like nothing ever happened I'm going to send screenshots of the three transactions that got canceled and I will send screenshots of where the three dispense were filed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
We moved out from our apartments XXXX XXXX. They sent us our final invoice of {$200.00}, then a few days later sent us another invoice for {$1100.00}. When we called to ask what was going on they corrected the invoice back to the original amount of {$200.00} on XX/XX/2026. In the email they admitted it was an error and sent us an updated invoice that said payment was due by money order by XX/XX/2026. XXXX days after this notice, XX/XX/2026 we get a collections email from XXXX XXXX that was trying to collect a debt from the apartments. They sent us a collections letter for {$1100.00} and recently corrected it to {$200.00} after their investigation. However, we dont want to pay to the collections because it should have never gone to them initially. The invoice said we had until XX/XX/2026 and we tried making payment XX/XX/2026 to the apartments and they refused because they sent us to collections prior to the date they agreed to give us to. We are being wrongfully punished by sending this to collections. We sent all of the proof to the collections agency and they are still charging us this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This situation has caused me serious XXXX  because the company is violating my rights under 15 U.S.C. 1681s-2 ( a ). Federal law requires data furnishers to report only accurate and complete information. Reporting inaccurate or unverifiable data is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Opportunity Financial, LLC
State: CA

Complaint narrative:
It's becoming hard to keep up with the payments of this loan. I got it as a refinance to a previous loan. The interest charged is an exorbitant amount, to the tune of 159.22 %. By the end of the payment terms if paid on time would be more than double what the refinance amount is ( {$3000.00} ), if not almost triple ( {$8000.00} ). As it was it was already hard keeping up with the previous one but this one is just ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX First Point XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX Re : Account # XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : Your company is reporting the below-referenced account on my credit report as a collection account. 

Collection for a balance of XXXX reporting to XXXX  I have disputed this item with the credit reporting agency, and they reported you confirmed the account as valid. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you, please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity. 

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and promptly, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Statement of Facts I am filing this formal complaint against Portfolio Recovery Associates , LLC ( PRA ) for persistent violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692e and 15 U.S.C. 1692g. 

This is a direct follow-up to my Initial CFPB Complaint # XXXX, submitted on XX/XX/year>. In that initial dispute, I explicitly demanded that PRA provide an unbroken chain of assignment and the original signed contract to verify their legal authority to collect on a XXXX XXXX account ( ending in XXXX ). 

In their response to that complaint on XX/XX/year>, PRA admitted to being a debt buyer but failed to produce a valid " Bill of Sale '' or " Schedule 1 '' account-level data. Instead, they provided a mere internal summary. Under the legal precedent of XXXX v. Portfolio Recovery Associates , LLC, such summaries are insufficient to establish a valid chain of title. PRAs prior response merely stated they " ceased all communications, '' yet they have failed to substantiate their legal right to report or collect this debt. 

Current Violations : 15 U.S.C. 1692e : PRA is misrepresenting the legal status of this debt by asserting ownership without the requisite assignment documentation. 

Willful Non-Compliance : PRA continues to maintain a balance of {$670.00} in their records despite their failure to validate the debt after being put on notice via the CFPB portal in XX/XX/year>. 

Desired Resolution I demand that Portfolio Recovery Associates , LLC immediately : Cease all collection efforts and permanently delete any trade lines associated with this account from XXXX XXXX, and XXXX. 

Provide a Letter of Release confirming the account is closed and the balance is zero. 

Remit a {$3000.00} settlement payment for willful FDCPA violations and the failure to provide proof of title after a formal regulatory inquiry. This payment should be sent to my current address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
Robinhood stock wallet will not let me access my funds and they offer no customer support. I've been trying to receive my funds for over 2 years and still have no success. I just want a customer support to talk to so they can release my money.

Company response to consumer: Closed with explanation