vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Larry H. Miller Group of Companies
State: AL

Complaint narrative:
Debt was paid off and they still was calling about a debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XX/XX/2022, Bank of America closed my checking account. The closure date reported to XXXX is XX/XX/2022, and the account is listed as settled in full. 

Bank of America reported the account to XXXX as suspected fraud activity. I was never notified of any fraud investigation or fraudulent activity related to this account at the time it was closed. 

Recently, after reviewing my XXXX report, I contacted Bank of Americas fraud and risk department to request documentation supporting the fraud designation. During that call, I was told the account was closed as a business decision and that there was no fraud investigation and no documentation supporting a fraud determination. 

Despite this, Bank of America continues to report suspected fraud activity to XXXX. This reporting is negatively affecting my ability to open a bank account. 

I am requesting that Bank of America either provide documentation supporting the fraud designation or correct/remove the inaccurate XXXX reporting 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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Navy Federal didn't have proof of me opening a account, and now I can't open a account with them, and I don't have proof because everything was done online

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I texted stop to unsubscribe. They sent another text indicating I was unsubscribed, but they also added to contact them which upon further research is not permissible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/2025 Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Account Reference # XXXX To Whom It May Concern, I am in receipt of your correspondence dated XX/XX/2025 regarding an alleged debt owed to XXXX XXXX. 

I am formally disputing this debt in its entirety and requesting full validation pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. 

Until you provide proper validation, you must cease all collection activity and reporting pursuant to federal law. 

If you can not validate this debt, you are required to delete this account from all credit reporting agencies immediately. 

I also request that all future communication be in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 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: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
THIS ACCOUNT WAS OPEN WITHOUT MY CONSENT OR KNOWLEDGE. 
I informed the company of this information I also ask for all findings and nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
There is a credit card account number XXXX showing on my credit report that does not belong to me. I have no knowledge of this account and I did not open or authorize this credit card Capital One. 

Please investigate this matter immediately and remove this account from my credit report, as it is inaccurate and does not belong to me. 

Kindly provide written confirmation once this account has been removed. 

Thank you for your prompt attention to this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
They sent me a letter requesting that I provide information along with a XXXX XXXX signed to prove who I was so they could return overpayment to me and that there was an uncased check ( XXXX ) back on XX/XX/year>. I submitted the information back to them by Mail and also Fax and I have not heard anything since. I can not get through their phone service to the unclaimed property division by phone to get any update and they will not responde to my e-mail or letters as to what they are doing, and it has been seven months since I responded to them and the state I would hear back in eight weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Company : Experian Information Solutions , Inc . 
Account : XXXX XXXX Experian Account # XXXX I am submitting this complaint after more than eleven ( 11 ) documented attempts to obtain lawful debt validation and the method of verification for the above-referenced account. These requests were made via certified mail, standard mail, and formal disputes. 

In a prior CFPB complaint ( CFPB Complaint # XXXX ), Experian did not provide validation or the method of verification. Instead, Experian responded by stating the account may involve potential fraud, despite the fact that I explicitly stated I am not alleging identity theft. That response failed to address my request for lawful verification and avoided the requirements of the Fair Credit Reporting Act. 

I am again stating clearly that : I am not alleging identity theft I am submitting this dispute on my own behalf I am not using a third party, credit repair service, or attorney This account continues to be reported as a charge-off, despite reporting that reflects no late payments, no past-due balance, and no documentation supporting delinquency. These facts make the tradeline internally inconsistent and unverifiable. 

To date, Experian has failed to provide : The original agreement or contract A complete account ledger or billing history Proof of how the charge-off amount was calculated The method of verification required under 15 U.S.C. 1681i After more than eleven documented requests and a prior CFPB complaint, Experian continues to report this account without providing the documentation required under the Fair Credit Reporting Act.

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 2026-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing this complaint because Cash App placed my Social Security number ( SSN ) on a Cash App account that I did not open and have never authorized. I have never created or used a Cash App account. 
Despite this, Cash App issued IRS tax forms ( 1099/K forms ) for tax years XXXX, XXXX, XXXX, XXXX, and XXXX reporting income under my Social Security number that I never received. As a result, the IRS now claims that I owe approximately {$48000.00} for tax year XXXX, and I expect additional tax liabilities due to forms issued for later years. The IRS has already withheld my federal tax refund because of this incorrect reporting. 
This situation has caused me significant financial hardship and stress. I did not receive any of the income reported to the IRS, and I did not open or authorize any Cash App account using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: NY

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
I am on a payment plan & I have been making my payments.even after I have made payments.they continue to call and harras me and threaten me with suspending my drivers license.i am under constant stress because of them.and I noticed that when I went to the actual office to pay a sum.they seemed to mock me or make fun of me like they know that they are scamming me out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
I am being charged XXXX dollars when I by accident asked for a mortgage payoff amount. 

Date is XX/XX/year>

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 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I filed a dispute stating the amount owed was incorrect before it was sent to collections I spoke to company asking to provide or review court documents that would have correct amount owed and credit that should have been applied to account. No action taken by company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
Update to Existing Complaint Continued Collection Activity After submitting my original complaint and after Launch Servicing LLC received my written debt validation request and dispute on XX/XX/year>, the company continued collection activity.

Specifically, Launch Servicing LLC placed multiple telephone calls to me on XX/XX/year>, at approximately XXXX XXXX, XXXX XXXX, and XXXX XXXX. A voicemail was left during the XXXX XXXX  call stating that I should contact them or update my communication preferences.

I did not answer these calls and did not speak with any representative.

These calls occurred while validation was pending and constitute continued collection activity after a written dispute, in violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). I am requesting CFPB assistance to ensure collection activity ceases and my dispute is handled in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> unauthorized charge of XXXX XX/XX/year> unauthorized charge. Filed dispute with Wells Fargo was told I could not receive provisional credit due to the back office needing to look into me. On XX/XX/year> I contacted Wells Fargo in regards to claims/disputes provisional credit guidelines and was met with manger making monkey noises and mocking me on a call I recorded.

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 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortgage acquired my loan from XXXX XXXX, who had acquired it from XXXX ( XXXX ). On my first statement from Rocket, that are asking me to pay a {$15.00} Corporate Advance Fee. I contacted them via chat and requested more information on this fee from 8 years ago. They told me that it was from an inspection which occurred on XX/XX/XXXX. My loan has changed hands 4 times at this point and the idea that they could attempt to collect this few, when NONE of the other services did, it a little preposterous. I am sure I paid this fee and they are just " fishing '' for additional fees that they are trying to collect. I contacted via chat on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/year>, unauthorized electronic fund transfers totaling approximately {$6500.00} were made from my checking account. These transactions occurred after I was deceived by an individual impersonating a legitimate institution. I did not authorize these transfers in the manner they were processed and did not intend to permanently transfer my funds to the recipient. 

I notified the bank promptly on XX/XX/year>, and filed a dispute. The bank conducted an investigation and later denied my claim, stating that the transactions were authorized. I requested a full written explanation of the investigation results and copies of all documentation and evidence relied upon in making the determination, including transaction logs and authentication records. The bank stated the documents would be sent within 10 days, but I have not yet received them. 

I believe this constitutes an unauthorized electronic fund transfer under the Electronic Fund Transfer Act ( Regulation E ). I provided timely notice and cooperated fully with the investigation. I am requesting that the bank properly investigate this matter, provide the requested documentation, and reimburse the disputed funds as required by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I accidentally made a purchase of some clothing online from a fraudulent website XX/XX/XXXX for {$270.00}. The website purported to be for a storefront in the XXXX area ( where I live ), but they were shipping counterfeit goods out of XXXX instead. They were extremely obviously counterfeit and unusable. I requested a refund, but received an AI generated response asking me to donate the items to charity instead. 

I proceeded to do a charge back on XX/XX/XXXX with Bank of America who I have my XXXX through. They requested a completely unobtainable amount of information. Specifically, they required a separate third party clothing company to evaluate the clothing as counterfeit and issue a written statement on company letterhead that it was counterfeit. This is very obviously completely impossible to obtain. There is no store on Earth that you can walk into and get a hold of their legal department to issue you a document like this. 

I contacted Bank of America by phone to explain that this wasn't a shipping container full of clothing, it was less than {$270.00} and there was no way I was going to be able to meet their unreasonable demand, but was told I would have to if I wanted to have the charge back approved. 

I actually attempted to see if it was feasible to obtain a counterfeit analysis as requested when I went into a store to buy some pants the next week and was told " absolutely not ''. I assume that policy is pretty universal. 

So to sum up : Bank of America is abetting fraudulent websites by having completely unobtainable requirements for doing charge backs. One of the primary purposes of using credit cards online is to remove the incentive for fraud, and these business practices undermine that.

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 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: NV

Complaint narrative:
I am writing to file a complaint against CMC Credit Management regarding their handling of an alleged medical debt ( Account : XXXX, Original Creditor : XXXX  XXXX XXXX XXXX ) XXXX 

Inadequate Initial Notice : On XX/XX/year>, I received a " XXXX notification '' from CMC. While this notice complied with Nevada 's technical formatting requirements, it failed to provide sufficient information to verify the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The notice only included a name, account number, and balance. It provided no breakdown of the charges, dates of service, or proof that the debt is accurate.

Failure to Provide Verification : I formally disputed this debt in writing ( see attached letter ) and requested specific verification, including an itemized statement and proof of assignment. Under 15 U.S.C. 1692g ( b ), the debt collector is required to cease collection of the debt until they obtain and mail verification to the consumer.

Violation of Consumer Protection Standards : The CFPB has issued guidance warning that debt collectors violate federal law if they pursue medical debts that are unsubstantiated or fail to properly validate outstanding medical debt before continuing collection activities. The letter from CMC does not constitute proper validation.

Potential for False Reporting : I am concerned that if this debt is not properly validated, CMC Credit Management may attempt to report it to credit reporting agencies after the XXXX Nevada moratorium ends, which would constitute reporting inaccurate and unverified information, damaging my creditworthiness based on an invalid claim. 

Desired Resolution : I request that the CFPB investigate CMC Credit Management 's validation practices. Unless CMC can provide full and complete verification of this debt ( including an itemized statement and proof of ownership/assignment ), they should be instructed to : Cease all collection activities immediately. 

Close this account. 

Declare the debt null and void. 

Refrain from selling, transferring, or reporting this debt to any credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
I spoke with a coworker and they informed me that there are laws against companies that charge apr of 150 % and thats how much I am paying as of right now and I pay every week

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: UT

Complaint narrative:
I have set up auto-pay twice with freedom mortgage and eventually it stops working with no notice and I ended up missing 4 payments.

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