vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: MI

Complaint narrative:
XX/XX/XXXX of XXXX I was incarcerated at the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. I was released XX/XX/XXXX of XXXX. During that time of timeout incarceration there was unauthorized transactions on my XXXX XXXX XXXX through Comerica XXXX. I had filed a fraud claim and disput of transactions totaling in the amount of XXXX. The bank responded by opening a fraud claim XXXX XXXX. They claim that since the transaction is past 120 days they can not proceed with the dispute however it was extenuating circumstances. I received my statement on the week of XX/XX/XXXX when I noticed the unauthorized transactions. I was not notified of any decisions or dispute investigation extensions or given provisional credit. Comerica XXXX has failed to follow the laws under regulation E and is refusing to co-operate by giving me statements, they only will give me oral statements and nothing physical. I provided proof of incarceration to the bank and that I did not give anyone authorization to use my account and/or debit. They have sent me a check for {$.00} for the remainder of my balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
The dispute is someone used my identity to have XXXX service last year in XXXX and rack up a bill of {$620.00}. It went into collections with Jefferson Capital Systems LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CA

Complaint narrative:
This complaint concerns two related failures by Capital One on a dispute for XXXX charges totaling {$430.00} ( Case XXXX and Case XXXX ). New Issue Resolution Reported to CFPB then Reversed : Under prior CFPB complaint XXXX, Capital One reported " closed with monetary relief {$100.00} '' on XX/XX/XXXX. My account statement shows a " PURCHASE ADJUSTMENT '' of + {$100.00} rebilled on XX/XX/XXXX one day later. Capital One told CFPB the matter was resolved, then reversed the resolution without notifying CFPB. The {$100.00} credit no longer exists on my account. Ongoing Issue {$130.00} Never Resolved : Capital One used three contradictory justifications to deny Case XXXX : ( 1 ) XX/XX/XXXX letter cited insufficient evidence ; ( 2 ) XX/XX/XXXX letter claimed the timeframe had expired factually false, as the dispute was filed XX/XX/XXXX, within 60 days of the XX/XX/XXXX charge ; ( 3 ) XX/XX/XXXX letter reverted to insufficient evidence again. In none of these letters did Capital One identify a single specific item of missing evidence. My XX/XX/XXXX submission contained eight labeled exhibits ( A through H ) directly satisfying every item requested in Capital One 's XX/XX/XXXX letter. Root Cause : Capital One 's entire investigation was conducted against an incorrect transaction total of {$330.00}. The actual total was {$430.00} two charges for one reservation. Capital One acknowledged this error for the first time only after the prior CFPB complaint, which itself confirms no reasonable investigation occurred over the prior three months. The full outstanding balance is {$230.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
I originally took out a line of credit for XXXX I called and got pay off and it was XXXX I sent a cashier check in the exact amount of the pay off the pay off was good for 10 days I mailed the check in U.S postal service 2 days mail on XXXX it arrived for pick up on the XXXX I have receipts from post office Proof the money was not applied to my account until over 30 days later I have tried numerous times to speak with a supervisor about this and as of today XXXX have yet to do so but now I am being charged XXXX in late fees and interest

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
" In XXXX, my mortgage loan was transferred to a new servicer. I did not have homeowners insurance during XXXX. The new servicer sent multiple notices, but the notices did not clearly specify which year was missing coverage. Due to the unclear notices, I submitted proof of insurance for XXXX only. In XX/XX/XXXX, I received a notice clarifying that XXXX was the uninsured year. Only 48 hours after that notice, the company added a force-placed insurance charge of {$4000.00} to my loan without giving me adequate time to respond or obtain coverage. As a result, my monthly payment increased by {$830.00}, broken down as follows : Escrow addition : {$330.00} per month Shortage/difference amount : {$500.00} per month I currently pay my own homeowners insurance independently and do not require an escrow account for insurance. I have active insurance coverage for XXXX. Additionally, my own homeowners insurance policy costs {$950.00} per year, which is consistent with market rates for a property like mine. The force-placed insurance charged by the company is {$4000.00} for a single year, which is more than four times the market rate. This excessive amount demonstrates that the force-placed insurance is unreasonably priced and not in my best interest as a borrower. Under RESPA regulations, servicers are required to ensure that force-placed insurance costs are reasonable. My complaint is that the notices were unclear and did not specify the year of missing coverage, and that the charge was imposed only 48 hours after the first clear notice, without giving me reasonable time to respond. The additional {$830.00} per month is a significant financial burden. I am requesting : A full review of the {$4000.00} force-placed insurance charge Suspension of the additional monthly charges of {$830.00} pending investigation Investigation into whether the {$4000.00} charge is reasonable and proportionate to actual market insurance rates Clarification of the escrow requirements imposed without prior notice ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
They are reporting on my credit report and i dont know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: OR

Complaint narrative:
XXXX XXXX Fraud Department completed an investigation that I personally requested regarding an account XXXX XXXX claims is linked to me ( account ending in XXXX ). XXXX XXXX issued a formal determination confirming that I did not open or have any knowledge of that account, that it is fraudulent, and that I have been released from all liability. Despite this, XXXX XXXX continues to report a credit account in my name ( Account : XXXX, balance {$1700.00} ), and Experian continues to display this fraudulent tradeline. The information used to support this account does not match me : IP address does not match Phone number does not match ( XXXX is not mine ) Name on application is not my full legal name No valid authorization, funding source, or transaction history I have provided identity theft documentation, including a police report and FTC report, along with XXXX XXXX fraud findings. Despite this, the account remains on my credit report. This is inaccurate reporting and failure to properly investigate identity theft.

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 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: NC

Complaint narrative:
This is my formal complaint against XXXX for withholding the small % of XXXX owned by my deceased son who passed away in XX/XX/XXXX. For the past 11 months - since XX/XX/XXXX, I have attempted numerous times to resolve this matter in accordance with the guidelines set forth by the XXXX XXXX XXXX XXXX. My final attempt began on XX/XX/XXXX, but on XX/XX/XXXX I received an email from a 'no reply ' XXXX email address advising me the account was once again closed ( 3rd time ). There has been no communication from the Support team since. XXXX has continuously failed to cooperate with me as the legally authorized estate administrator, and has engaged in unauthorized retention of the estate assets that were owned by my deceased son. See the attached documents for the full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: TX

Complaint narrative:
I became aware on or around XX/XX/year> when I received a default notice dated XX/XX/year> from CRI ( Central Research , Inc. ), Account Number XXXX, for {$5000.00}. I have never applied for or taken out any student loan. When I attempted to create a XXXX account to investigate, I discovered an account already existed under my Social Security number with a XXXX address that is not mine and does not match my name in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Consumer Financial Services Solutions, Inc.
State: FL

Complaint narrative:
Accredited Debt Relief said to cancel I need to request in email to their customer service. I have done so twice in the last week and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and i didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didnt follow the proper 5-step validation procedure According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
They keep sending their mortgage analysis statement. This is NOT an itemized detail of debits and credits and I need them for BOTH mortgages for my attorney to review in order to find the problem they can not seem to find. Likewise, the " response '' they said they sent to me in XXXX ( from my previous complaint ) is attached to this complaint. It ISN'T EVEN MY MAIL!!!! Its someone else 's credit card statement and a cover letter addressed on the envelope to me at my address!!!! That means this person likely got MY mortgage information and letter!!!!!!!!!!!!!!!! Truly I feel it is time for this bank to be looked at very carefully! All that is happening is that I file a complaint, you send it to them, and they reply - case closed. NO ONE is looking at the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I made account with la curaco and I stopped doing payments and now I wont get accepted for and type of anything due to my credit being low.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CITIBANK, N.A.
State: MN

Complaint narrative:
I was charged {$400.00} for a free vacation promotion through a third-party ( XXXX XXXX ). The offer was misleading because it did not clearly disclose mandatory daily resort fees that significantly increased the cost. I disputed the charge with XXXX XXXX, stating the service was not as described and involved deceptive advertising. My dispute was denied, and I was not given a fair resolution. I am requesting that XXXX XXXX properly review this as a services not as described claim and issue a refund.

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 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I think that someone fraudulently tried to open a Chase credit card in my name. I was first notified of this concern when Chase bank mailed me a notice in the mail dated XX/XX/year> The reference # on the letter is XXXX. Chase bank denied the application. I then called chase bank and their faud specialist reached out to credit bureau to have the application removed from credit report. I then called XXXX and froze my credit on XX/XX/year> and activated a 1 year fraud alert I then went online to the XXXX and XXXX websites and put credit freezes for those bureaus also ( on XX/XX/year> ) and enacted a fraud alert

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Source Receivables Management LLC
State: MI

Complaint narrative:
Source receivables management company calls me repeatedly atleast 7 times every day. When they call they ask for someone else and when I ask about THEIR company specifics information is never given and I am hung up on. Call reps are rude and repetitive calls are harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
This is a follow-up complaint regarding continued harassment by Resurgent Capital Services L.P. ( Resurgent ). In my previous CFPB complaint ( Case # XXXX ), Resurgent formally responded on XX/XX/year>, stating : " It has been determined that XXXX XXXX is not the responsible party on the account. XXXX XXXX should no longer be contacted by Resurgent. '' Despite this official determination, I have received three additional collection letters from Resurgent in the past few days. Furthermore, XXXX XXXX response ( Case # XXXX ) admitted that the Social Security Number associated with this debt ends in XXXX, which DOES NOT match my SSN. This is a clear case of " Misidentification '' of a different individual with the same name. Resurgents continued collection attempts after admitting I am not the debtor constitute a violation of the FDCPA. I demand that Resurgent manually intervene to stop all communications immediately and permanently decouple my contact information from this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/XXXX I received an email from Capital One Offers stating that if I booked through XXXX I would receive 30 % cash back. I booked with XXXX that day through the email following the specified instructions. I used my Capital One Quicksilver card. I have a statement that shows a {$200.00} charge to XXXX on XX/XX/XXXX. 30 % of {$200.00} is {$60.00}. A few weeks ago i got an email with a {$40.00} credit to my Kohls credit card account. I have not used that card in years. I called customer service on XX/XX/XXXX at XXXX XXXX and spoke first a " XXXX ''. She was friendly but couldn't access the information and said she would need to transfer me. I asked her to send me to another rep or a supervisor. At XXXX XXXX " XXXX '' I think was her name took the call. She stated she was a supervisor. She was rude, impatient and had no empathy. I don't know how she got a job in customer service. She needs to be retrained at best or fired. She cut me off several times and kept telling me that I made the charge on the Kohls card. I had my online account in front of me and there are no charges for the last year on the card. I explained this to her. I explained that I had a charge on my Quicksilver Card for {$200.00} on XX/XX/XXXX. She said she was not discussing that card but my Kohls card. She refused to explain when I asked how I could have charged on my Kohls card and have no transaction on my kohls card history. I explained again but she was very rude. I hung up without a resolution or explanation. I got a survey from Capital One a few days later. I hoped I would. I retold my story like i have above and asked to be contacted. It is now over 2 weeks and no contact. Capital One lied about their offer and then followed that up with poor customer service from a supervisor no less! They are the ones, that at least in good companies, should be trained in customer service. This is unacceptable behavior and i want it documented. I will retell this story until they make it right or go out of business. I will recount their poor customer service on every website, review site, social media platform that i can access. XXXX should be fired. Capital One should be fined or go out of business if this is how they train their supervisors to handle escalations. I have been a customer of theirs for over 15 years. This is deplorable!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harpeth Financial Services, LLC
State: ID

Complaint narrative:
I was made aware of a fraudulent loan opened in my maiden name ( XXXX XXXX ) from Advance Financial. The loan was issued using my social security number, however my social security number is now tied to the last name XXXX. I notified advance financial via phone that the loan is fraudulent and was not taken out by me. Advance Financial confirmed that they had my file notated as such and that no additional action was needed from me to resolve with them. However, Advance Financial then sold my loan to XXXX XXXX XXXX, unknown to me. XXXX XXXX has now reported this fraudulent loan to my collections credit report, even though I reported this loan as fraudulent with Advance Financial. This loan is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 explanation