vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 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: FL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-24 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: IN

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Attached document requesting info for a CC never applied forthis is of course synchrony bank on behalf of XXXX XXXX XXXX statement

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 non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am submitting this complaint against Cash App, a service operated by Block , Inc., for systemic failures in consumer protection, unfair practices, and violations of federal law. Cash App failed to implement timely and effective measures to prevent and address fraudulent activity on its platform, leaving my account vulnerable and unprotected. Despite notifying the company promptly regarding unauthorized transactions, Cash App did not conduct a reasonable or thorough investigation. Their handling of my dispute did not comply with the error resolution requirements mandated under the Electronic Fund Transfer Act ( EFTA ) and its implementing regulation, Regulation E. Specifically : Cash App failed to properly investigate unauthorized electronic fund transfers. The company did not provide adequate provisional credit during the investigation period. Communication regarding the status and outcome of my dispute was unclear, delayed, or insufficient. My account was ultimately shut down without a fair review process, meaningful explanation, or opportunity to respond, effectively denying me access to my funds. These actions constitute unfair and deceptive practices in violation of the Consumer Financial Protection Act ( CFPA ). The lack of transparency, inadequate dispute resolution procedures, and arbitrary account closure caused significant financial loss, emotional distress, and ongoing hardship. Given that numerous consumers have reported similar experiences, this appears to be a broader pattern of conduct rather than an isolated incident. I seek full reimbursement of my financial losses, restoration of improperly withheld funds, and appropriate corrective measures to ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
Discover charged off my credit card account and subsequently issued Form 1099-C reporting cancellation of debt in the amount of {$10000.00}, with an identifiable event date of XX/XX/XXXX. The cancellation was reported to the IRS. Despite reporting the debt as discharged, Discover continues to report an outstanding balance of approximately {$10000.00} and a past-due status to the credit reporting agencies. I disputed this reporting with XXXX on XX/XX/XXXX, and with XXXX on XX/XX/XXXX. The information was verified as accurate without explanation as to how an outstanding balance remains following issuance of Form 1099-C. If the debt has been canceled and reported to the IRS as discharged income, continued reporting of an outstanding balance may create a misleading impression that a legally enforceable obligation remains. I am requesting clarification and correction to ensure the reporting accurately reflects the status of the account following cancellation of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Movement Mortgage LLC
State: WV

Complaint narrative:
CFPB Complaint Submission Company : XXXX XXXX XXXX XXXX XXXX ( Movement Mortgage powered by XXXX ) Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX, WV XXXX Complaint Summary I am filing this complaint regarding improper servicing of my mortgage loan and an inaccurate occupancy determination that has resulted in the denial of all home retention options while foreclosure is pending. XXXX denied my forbearance and loan modification request solely on the basis that the property is Non-Owner Occupied. This determination is incorrect. Although my spouse and I are separated, the property remains owner-occupied. My wife resides in the home as her primary residence. We previously submitted a current utility bill as proof of occupancy. It appears that this documentation was either not reviewed or not properly associated with our file. Because of this misclassification, XXXX denied : Special Forbearance Loan Modification Mortgage Recovery Advance And instead, conditionally approved only liquidation options ( short sale or deed in lieu ), despite my expressed intent to retain the home. Hardship and Current Ability to Pay The delinquency resulted from a temporary three-month period of unemployment. That hardship has now been resolved. I am currently employed earning {$30.00} per hour and am financially capable of resuming regular monthly payments. My objective is to retain the property and pursue a repayment or modification option that capitalizes arrears to the end of the loan term or otherwise restores the loan to performing status. Servicing Concerns I believe XXXX has committed servicing errors, including : Incorrect classification of the property as non-owner occupied. Failure to properly review submitted proof of occupancy. Denial of retention options based on inaccurate information. Advancing liquidation options while a correct loss mitigation review has not been completed. Under Regulation X ( 12 C.F.R. 1024.35 and 1024.41 ), a servicer must conduct a reasonable and complete evaluation of loss mitigation applications and must not proceed with foreclosure when a complete application is under review. I am requesting : Immediate correction of the occupancy status. Reinstatement of a complete owner-occupied loss mitigation review. Written confirmation that foreclosure activity will remain suspended during proper review. A detailed explanation of all documents used to determine occupancy status. Desired Resolution I want the opportunity to retain my home through a lawful and accurate review of all available retention options. I am not seeking liquidation. I am requesting fair servicing practices and compliance with federal loss mitigation regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau Re : Supplemental Complaint Account Closure Confirmation I am submitting this as a supplemental update to my existing complaint regarding my XXXX XXXX credit card account issued by U.S. Bank. On or about XX/XX/year>, I locked the account due to fraudulent charges after disputes had already been filed concerning unauthorized activity that U.S. Bank was informed of and yet resolved in favor of the merchant. When a credit card issuer fails to properly investigate disputes and allows an account to remain exposed to continued unauthorized charges, the consumer is left financially vulnerable and without the protections required under federal law. On XX/XX/year>, I formally requested that U.S. Bank close the account. At that time, the account reflected a {$56.00} credit balance. I was told the closure process required 24 hours and that I should call back to confirm. On XX/XX/year>, I called as instructed and was told the account was closed, no pending activity, and that a refund check for the {$56.00} would be mailed. On XX/XX/year>, the account reflected an {$8.00} balance due for a recurring charge. I called and was told it was a pending charge prior to me closing the account yet it was not mentioned when I contacted them on the XXXX and was told the account was closed. I was then informed that recurring charges may continue to post until the end of the billing cycle ( XX/XX/year> ), despite having been told the account was closed and Locked. I was further told that I should contact the merchant myself and request that they stop billing. The last time I filed a dispute, the merchant, instead of helping to resolve it, got away with charging my CC again and US Bank came up with 5 different reasons it was my fault and resolved in the merchants favor. It is a serious matter when a consumer is informed that an account is closed, yet the account remains open to additional charges and the responsibility to prevent those charges is shifted back to the consumer. An account that continues to accept transactions after closure leaves the consumer exposed to ongoing financial harm. My only request is written confirmation of the official closure date of this account and confirmation that the account is closed. Respectfully, XXXX 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 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Medical-Commercial Audit Inc
State: SC

Complaint narrative:
Company name : MCA management Amount due : {$720.00} This debt collection company has been affecting my credit for 6 to 7 years. Every year they updated on my account as if its a new lead added collection account. Ive been mistreated and abuse with their tactics. I recently reported them to the XXXX XXXX XXXX and received a demeaning and aggressive response from the company. Im not 100 % sure where this bill is coming from because I have yet to receive a itemized bill of the charges

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGEM - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: PA

Complaint narrative:
On XX/XX/XXXX, I received a phone call from the debt collector. On XX/XX/XXXX, I sent a certified mail dispute to the debt collector. On XX/XX/XXXX, the dispute was received. On XX/XX/XXXX, the debt was inaccurately reported to my credit. I called today, and the representative hung up in my face and refused to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I lost my documents, and several credit cards were opened, resulting in large debts in my name.

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 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Monterey Financial Services LLC
State: GA

Complaint narrative:
I reached out on several occasions I asked not to be contacted unless they were able to assist. I received the email from XXXX XXXX. I advised her only she could be able to email me directly. I called. I made the payment after we set it up and then I started receiving the emails. I called about that to try to square it away they transferred me back to XXXX, which is the person I complained about and she was so rude and nasty on the phone. I asked for a manager, and she put me through to another agent, and then that agent was even more rude and then came back and said I could leave a message with the manager on their voicemail. Anything back nor have I received the receipt that I was promised that Same Day I made the payment I would receive it. No apologies were given.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is 1832 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 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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC
State: FL

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

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 2026-02-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Beyond Finance regarding unauthorized activity after I exercised my right to cancel. On XX/XX/year>, I submitted a written cancellation request within the XXXX rescission period outlined in my agreement. My cancellation was timely and should have immediately stopped all activity on my accounts. Despite this, I received communication from Beyond Finance stating that they are negotiating XXXX of my creditor accounts. I am extremely concerned because : I revoked authorization for them to act on my behalf. I do not consent to any negotiations, settlements, or creditor communications. Any action taken after my cancellation may be unauthorized. At the time of cancellation, no funds had been drafted ( adjust if needed ). I expected all activity to cease immediately upon receipt of my rescission notice. I am requesting : 1. Written confirmation that my program has been fully cancelled. 2. Confirmation that no negotiations have occurred after XX/XX/year>. 3. Documentation of any creditor communications made after XX/XX/year>. 4. Assurance that no funds will be withdrawn and no fees charged. 5. Confirmation that they will not represent that they are authorized to act on my behalf. If any action was taken after my timely rescission on XX/XX/year>, I believe this may constitute deceptive or unauthorized business practices. .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX texted me at XXXX XXXX, telling me to contact them concerning a matter with Capital One , N.A . It then said that XXXX is a collection agency. ( See attached screenshot ). I responded via a contact form on their website and asked why they were contacting me at XXXX XXXX which is a violation of federal law. I got no response. They eventually sold the debt to someone else early this year. According to letters I received, XXXX contact info is as follows : XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Acct # XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation