vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this formal statement to dispute the continued presence of negative accounts and collections currently appearing on my credit file. Please be advised that these accounts have already been fully settled and resolved. As such, their continued reporting as active negative items is inaccurate, misleading, and damaging to my financial standing. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I am demanding that you immediately remove these negative accounts and collections from my credit report. Because these matters have been settled, I also formally request that you block these specific items from being reported or appearing on my credit file ever again. The reporting of settled items as derogatory is a failure to maintain maximum possible accuracy of my credit information.

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 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to close my bank account on XX/XX/year> for the first time and then I tried to close it multiple times after that with the last attempt being XX/XX/XXXX or XXXX. I have records of these calls where I attempted to cancel my account and the automated system would say thank you, goodbye any time I said I want to close my account as the reason for the call. On XX/XX/XXXX or XXXX I finally got the customer service rep on the phone and I made sure to have her put that Im trying to close my account as a note in my account. She did that. Wells Fargo has confirmed to me that she did that but they are still trying to make me pay overdraft fees and service fees for the time period after I tried to close the account. I had to leave my account overdrafted for two months so they would automatically close it because they were not willing to close the account when I called. I should not be held responsible for any fees incurred following my very first time calling to close the account. Wells Fargo is notorious for being difficult to close accounts with.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I got a phone call from LVNV Funding llc stating that i owe a debt. So i reached out to them to ask for a validation of debt because they are reporting it to credit Bureaus so when i reached out to them to get there address and email they told me they will not provide any information unless i paid them for the contact information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One closed my credit card account based on the claim or assumption that I disputed the account and/or disputed inquiries related to the account. That information is completely inaccurate. I never disputed this Capital One account. This is my legitimate account, opened and used by me, and the account has always been in good standing with positive payment history. There are no late payments, no fraud claims, no charge-offs, and no reason this account should have been closed. I am currently in the process of correcting inaccuracies on my credit reports involving unrelated accounts. During that process, I disputed other inaccurate reporting with the credit bureaus. However, Capital One was never included in those disputes. I will be providing copies of dispute letters submitted to XXXX and other bureaus showing that I never disputed this Capital One account. Despite that, Capital One still closed my account, which caused unnecessary damage to my available credit and overall credit profile. Closing a positive tradeline based on inaccurate assumptions or failure to properly review my disputes is unacceptable. There are also reporting inconsistencies connected to this account. The account is being reported as closed despite having no legitimate basis for closure tied to fraud or disputes. If Capital One relied on inaccurate information from a credit bureau or internal coding error, then they failed to conduct a reasonable investigation before taking adverse action against me. Additionally, if Capital One internally coded this account as disputed or fraud-related without proper basis, that raises concerns regarding compliance with the Fair Credit Reporting Act, including duties related to accuracy and reasonable investigation under FCRA Section 623. I attempted to resolve this matter directly, but the account remains closed even though I never disputed it. This has caused financial hardship and negatively impacted my credit rebuilding efforts. If this matter is not corrected, I am prepared to seek legal assistance, including consultation with XXXX XXXX XXXX regarding improper account handling, inaccurate reporting, and damages caused by the wrongful closure of a positive account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aqua Finance, Inc.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I have contacted Santander XXXX USA over a dozen times since XX/XX/year>, to request a Power of Attorney ( POA ) so I can renew the tags/registration on my vehicle ( Ohio ) . To renew my tags/registration on my car I need a POA from Santander since they are the registered owner ( lessor ) of the vehicle. The tags/registration on my vehicle have expired since XX/XX/year>, so I can not legally drive it on the road. So I have been paying for a vehicle for 5 months that I can not drive because Santander will not send a POA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am submitting this complaint because there are collection accounts on my credit report that do not belong to me. I closely monitor my credit, and these accounts appeared without my knowledge or authorization. I have never approved or been involved with them, and it is frustrating and unacceptable to see inaccurate information reported under my name. This matter needs to be investigated and corrected immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am filing this complaint against XXXX XXXX and Elan XXXX XXXX for a flagrant violation of 15 U.S.C. 1642, which prohibits the issuance of a credit card except in response to a specific request. On XX/XX/year>, a XXXX XXXX representative ( " XXXX XXXX '' ) explicitly stated that for their credit products, the " Client never sees the application '' and that " Elan is not mentioned during the sign up. '' This is a confession of " Shadow Enrollment. '' By hiding the identity of the actual creditor ( Elan ) and withholding the application from the consumer, XXXX XXXX is engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act. I requested a standard XXXX from my depository institution ; I was instead surreptitiously enrolled with a third-party provider ( Elan ) without the `` clear and conspicuous '' disclosures required by Regulation Z ( 12 CFR 1026.5 ). I demand the CFPB investigate this bank-level practice where applications are withheld from consumers to facilitate third-party " agent-issuer '' contracts without consent. This " Shadow Enrollment '' was followed by a two-year campaign of harassment. Despite my repeated requests for documentation and help, Elan responded with aggressive collection attempts, threats, and deception. I demand the Bureau compel these entities to : Refund all illegally garnered money, including all interest, fees, and penalties, adjusted for inflation. Perform a total Credit Repair, deleting all derogatory marks or " internal '' flags associated with this fraudulently opened account. Investigate the predatory collection tactics used after I challenged the account 's validity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I told a supervisor named XXXX at rocket mortgage i have had a 90 day cushion on my mortgage for XXXX years and now they have slowed down when my statements are being sent to me and the 90 day cusion is gone yet they cant explain why it is happening, they say they dont have to send a new statement to me except for 1 every 30 days not when they recieve the funds and it clears my bank account like it has been for XXXX years ... also the customer service is nearly impossable to talk to a live person it takes multipal steps multipal times to speak to a human and if you request a superviser they usually hang up on you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
The name of this debt collector is portfolio recovery Associates in the amount of {$880.00} and it says its from XXXX XXXX. I have never had a XXXX XXXX credit card. This also is a result in identity theft because my Social Security number was comp

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
On XXXX I was transported from the XXXX XXXX XXXX XXXX in XXXX, AZ to XXXX XXXX XXXX XXXX in XXXX AZ. I had XXXX XXXX XXXX XXXX plus XXXX funds were obligated for the copayment under 42 CFR 136 as I am native American .. XXXX has attempted multiple times since XXXX to obtain needed documentation to pay the copayments without success and I continued to receive bills. I was sent to a collection agency ( XXXX ) in early XXXX. XXXX sent a request for me to be removed from collections and for the insurance claim form to be sent to XXXX in XXXX without success. No communication was heard again between either the collection agency or XXXX XXXX. A new collection notice was received from credit collection services in XXXX. Per the XXXX XXXX XXXX XXXX act, I am not liable for the remaining balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: JPMORGAN CHASE & CO.

Complaint narrative:
In XXXX XXXX, I was hospitalized at XXXX XXXX XXXX in XXXX, XXXX from approximately XXXX XXXX with a XXXX XXXX XXXXXXXX. Upon discharge, I was unable to use my original return ticket and purchased an emergency replacement flight home ( XXXX to XXXX via XXXX, XXXX XXXX, departing XXXX XXXX XXXX ), charged to my card at {$4500.00}. The replacement flight was booked in the same cabin class as my original ticket ( First/Business ) for two reasons : first, my original award ticket was itself booked in a premium cabin, making this a like-for-like replacement ; and second, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a premium cabin seat was a genuine medical necessity for a XXXX hour flight, not a personal preference. Before filing, I reviewed Chase 's own website at XXXX, which states : " Trip interruption insurance ( for trips that end earlier than planned ) may cover expenses like the cost of a last-minute flight home. '' My situation a documented medical emergency requiring a last-minute replacement flight directly matches this description. I filed claim # XXXX for {$3800.00}, representing the full replacement flight cost minus {$650.00} already reimbursed by my primary XXXX travel insurer for economy-class equivalent. I submitted hospital discharge records, the XXXX XXXX receipt, and proof of primary insurer settlement. On XXXX XXXX XXXX XXXX XXXX XXXX ( Chase 's benefits administrator ) denied the claim, citing only that the benefit covers " unused, prepaid, nonrefundable travel expenses '' and that my expenses are " not listed within the covered travel expenses. '' This language describes trip cancellation coverage, not trip interruption. No itemized explanation was provided for any specific claimed expense. Chase 's website explicitly states that trip interruption may cover a last-minute flight home, yet the denial applied a narrower standard without explanation, directly contradicting Chase 's own published description of this benefit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am an XXXX XXXX military member stationed in XXXX and have a Chase XXXX credit card. XXXX is a Key Provision state with state specific Servicemember 's Civil Relief Act ( SCRA ) protections. Per Louisiana Statute 29:312, no interest should be collected above 6 % during my time on XXXX XXXX, which began in XXXX. Additionally, my interest rate should be capped at no higher than 6 %. Here is a link to the Louisiana key provision statute : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kovo
State: TX

Complaint narrative:
I previously disputed multiple inaccurate and derogatory items being reported on my consumer credit reports with XXXX XXXX XXXX XXXX. Despite my disputes, the credit bureaus and furnishers continue reporting inaccurate, inconsistent, misleading, and unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). The disputed information includes : * inaccurate late payment reporting * charge-off reporting * inconsistent account statuses * inaccurate balances and past due amounts * unverifiable payment histories * unauthorized inquiries * inaccurate personal information including addresses I specifically disputed accounts reported by : * KOVO INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX I also disputed all associated derogatory reporting tied to these accounts, including late payments, delinquency history, charge-off designations, and payment history grids. In particular, KOVO INC is being reported inconsistently and inaccurately across bureaus, including inconsistent settlement reporting, delinquency progression, account status classification, and payment history coding. The account information appears unreliable and unverifiable. I requested that the credit bureaus conduct a reasonable reinvestigation pursuant to : * FCRA 607 ( b ) * FCRA 611 * 15 U.S.C. 1681e ( b ) * 15 U.S.C. 1681i However, the disputed items continue to be reported without adequate documentation or evidence of a proper manual investigation. I believe the bureaus relied on automated XXXX verification procedures rather than conducting a reasonable reinvestigation as required under federal law. I also requested removal of inaccurate personal information, including prior addresses, employment information, and unauthorized hard inquiries that are not tied to accounts I knowingly authorized. To date, the inaccurate and derogatory information remains on my reports and continues to negatively impact my creditworthiness and financial opportunities. I am requesting : * deletion of unverifiable and inaccurate accounts * deletion of inaccurate late payments and charge-offs * deletion of unauthorized inquiries * removal of inaccurate addresses and employment information * confirmation that a proper manual reinvestigation was completed in compliance with the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
The UWM company make an escrow analysis performed on XX/XX/year>. I received an electronic letter, through the message portal. After reviewing my Annual Escrow Disclosure Statement, the projected property taxes listed are {$25000.00}. I spoke to the county appraisal district office regarding this amount and was informed that because my home is located in a newly developed subdivision, there is currently no finalized estimated appraisal for the property. According to the appraisal district, the official assessed value for the home will not be established until next year. As the owner of a new construction home purchased for {$220000.00}, the current projection implies a tax rate of 11.55 %, whereas the actual combined rate for Zip XXXX is approximately 2.6 %. I have called the company several times, costumer services agents just transferred me to different departments without any knowledge of what they are doing, I tried to open a escrow research ticket and they didn't do it, I haven't been able to sent a secure message trough their portal because the system show that I have to communicate with Costumer service. I sent 3 letters via express mail and Certified with was received on XX/XX/XXXX and they haven't get back to me. At this time, the current escrow calculation has prevented me from making my mortgage payment as billed. I want to make clear that I do not intend to default on my loan obligations ; however, I am unable to pay what I believe to be an incorrectly calculated escrow amount until this matter is reviewed and corrected.

Company response to consumer: Closed with explanation