vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Eastern Account Systems of Connecticut, Inc.
State: NJ

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Eastern Account System RE : FORMAL DISPUTE, DEMAND FOR VALIDATION, AND CEASE AND DESIST Account Number : not furnished To Whom It May Concern, I am in receipt of your communication regarding the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), this letter serves as a formal dispute of the alleged debt and a request for validation. Under 15 U.S.C. 1692g, I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor ; The amount of the alleged debt with an itemized accounting of all charges, interest, and fees ; Copies of any contract, agreement, or instrument bearing my signature that created the alleged obligation ; Documentation demonstrating your legal authority to collect this debt ; Proof that the alleged debt has been legally assigned or transferred to your company ; Proof that the statute of limitations has not expired. Until such validation is provided, you must cease all collection activities as required under federal law. Additionally, pursuant to 15 U.S.C. 1692c ( c ), you are hereby instructed to CEASE AND DESIST from any and all further communication with me regarding this matter, except as permitted by statute. Be advised that any continued attempts to collect this alleged debt without providing proper validation, or any continued communication outside the narrow statutory exceptions, will constitute knowing violations of the FDCPA and may subject your organization to civil liability under 15 U.S.C. 1692k. Such liability may include statutory damages of up to {$1000.00} per violation, actual damages, attorneys fees, and court costs. Furthermore, reporting or continuing to report unverified or inaccurate information regarding this alleged debt to any credit reporting agency may constitute additional violations of federal law. If you can not provide the requested validation, you must immediately cease collection efforts and delete any related reporting to consumer reporting agencies. This letter is not a refusal to pay, but a notice that your claim is disputed and validation is required. Govern yourselves accordingly. Sincerely, XXXX XXXX. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: GA

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 :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My car is a total loss. I was hit by a drunk driver in XXXX both the finance company ( ally financial ) and insurance ( XXXX ) have been incompetent or non transparent about the process. I reported the accident as soon as it happened. Its been almost 2 months. My payments are behind and being reported to the credit bureau. I cant afford to pay the payment because Im paying out of pocket for rental cars. Both companies seem to have a bias and have been very dismissive. Ive struggled to pay my monthly obligations and expressed this to both parties, yet Im met with condescending remarks over my lack of payment for a vehicle I cant drive. They have deliberately dragged their feet with this process even though they were well aware it caused me a a financial hardship. Not to mention Im back and forth to the hospital as well as physical therapy due to this accident. Id like transparency and a little decency. Ive paid for services and they arent being rendered. The car payment shouldve been suspended as soon as they were made aware it was a total loss. Thats what I was informed from a customer service representative now they are backtracking saying my payment will be reported late due to none payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
am filing a complaint regarding an inaccurate and unverified collection account that is being reported on my credit report. My name is XXXX XXXX XXXX XXXX and I reside at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. The collection account is reported by Credit Collections for the original creditor XXXX XXXX XXXX with a balance of {$460.00} and account number XXXX. I previously sent a formal request for debt validation to the collection agency requesting proof that this debt is mine, proof of the original contract, and documentation showing that they have the legal authority to collect this debt. The company has failed to provide proper validation of the alleged debt. Despite this, they continue reporting the account to the credit bureaus, including XXXX, which is damaging my credit profile. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector must provide validation of a debt upon request and must not report inaccurate or unverifiable information. I am requesting that this matter be investigated and that the collection account be removed from my credit report immediately if the company can not provide proper documentation validating the debt. This inaccurate reporting is causing harm to my creditworthiness and financial reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year> the US Treasury sent me a check for {$25.00}, XXXX. I overpaid my student loan and was granted forgiveness under PSLF program. On XX/XX/year> I deposited that check in my savings account with wells fargo via the atm. I was told it would be held until XXXX OR until the funds were collected from the U.S. Treasury. On XX/XX/year> I visited the branch, they said they would try and release the hold when they were able to. On XX/XX/year> the hold was not released because wells fargo wasn't able to collect it. The hold was increased from XX/XX/year> to XX/XX/year> and {$6700.00} of the deposit was made available to me. On XXXX I called the U.S. treasury and they informed me the check they mailed to me was PAID on XX/XX/year>. I called XXXX to get the hold released and wells fargo told me it either wasn't collected yet ( lie ) or that they had to follow the u.s. law about banking.

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 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: MEGA CAPITAL FUNDING INC.
State: FL

Complaint narrative:
My original complaint was completed under my spouse account, XXXX XXXX with my name and signature, under my email XXXX. Mega Capital Funding sent a response to you stating that they can not respond since my spouse is not authorized to receive the information. I have attached copies of their response and the initial complaint. Case XXXX CCDB ID XXXX I have received their response one day prior to the 30 business days. My request was declined incorrectly again. I do not believe that they reviewed my documents, and each time i called them previously, i was told that they did not have my documents and had to order them. I am suspicious that they have misplaced my documents. I had my documents reviewed by a legal professional and they concluded that my request to cancel my escrow account on XX/XX/year> should have been completed and that Mega Capital Funding is in violation of RESPA. I have attached my response sent to them certified mail today and i have attached for your review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding a collection account being reported by Credit Collection Services for XXXX XXXX XXXX in the amount of {$3500.00}. This account previously appeared on my credit report and was removed. It has now been reinserted. Under the Fair Credit Reporting Act 611 ( a ) ( 5 ) ( B ), if information is reinserted after deletion, the credit reporting agency must certify its accuracy and provide written notice of the reinsertion within five business days. I did not receive any notification that this account was being reinserted. Additionally, the address where the XXXX XXXX was installed was not a residence associated with me and I did not authorize or sign any contract for this service. I am requesting : Documentation bearing my signature showing I agreed to the service Proof of liability for the account Certification of the reinsertion If these documents can not be provided, the account must be deleted immediately under FCRA accuracy requirements. This issue is time-sensitive as I am currently pursuing mortgage pre-qualification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: OH

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 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
This account has been in an active written dispute since XX/XX/XXXX, when I sent my first demand for contract validation, disclosure clarification, and removal of unauthorized add-ons related to the financing of my XXXX XXXX XXXX XXXX XXXX : XXXX ). On XX/XX/XXXX, the dealerships attorney issued a response, but it did not resolve the core issues raised. It simply repeated their position without providing the documentation I specifically requested. Since then from XX/XX/XXXX through XX/XX/XXXX I continued sending written letters demanding validation and raising concerns about unfair terms, bundled add-ons, and lack of proper disclosures. Despite the clear and ongoing dispute, on XX/XX/XXXX, my vehicle was repossessed without ANY Right to Cure notice, no warning, and no legally required opportunity to reinstate or bring the account current. I requested : Proof of the Cure Letter Written justification for repossession during an open dispute Written steps for reinstatement To this day, no proof, no notice, and no reinstatement process has been provided. This has caused : Loss of transportation Loss of income ( approx. $ XXXX ) Hardship impacting work, family, and stability

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I attempted to use my Bilt Credit Card to book a hotel through the Bilt booking platform and apply my available Bilt Cash and XXXX XXXX during the transaction. However, the Bilt booking system repeatedly generated error messages during the checkout process. Despite these errors, the system ultimately processed the booking without applying my Bilt Cash or XXXX XXXX and charged the full amount of {$150.00} to my credit card. This issue is clearly the result of a malfunction in Bilts booking system and is not caused by any action on my part. I made multiple attempts to complete the booking properly, but the system failed to apply the credits as intended. I have already contacted Bilt customer support, and their technical team has been unable to resolve the issue or provide a refund. Since the charge occurred due to a system error on Bilts side, I am requesting that the full amount of {$150.00} be refunded to my credit card immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: NM

Complaint narrative:
I attempted to contact Rocket Mortgage about my name change. I was never able to speak with a human. Their AI chat bot advised me to email my social security card to Servicinghelp@rocketmortgage.com to get my name changed. I did so on XX/XX/year>. To date, they have not changed my name. Today after being on hold for approximately 90 minutes, I did get through to a " customer service '' human being who told me that I had sent my email with my social security card to an email address they no longer used. Needless to say, it was extremely disconcerting to be told that after following the directions I was initially given and sending my social security card to them, I was given incorrect information.I am extremely concerned that my personal data has now been breached. So, I put a freeze on my credit with XXXX XXXX and XXXX. I do not trust Rocket Mortgage and believe they are reckless and incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> I received a {$150.00} deposit from an unknown sender and contacted PayPal support for guidance on how to refund it. While I was actively on the phone with PayPal support, two unauthorized withdrawals were made from my account to XXXX totaling {$260.00}. I did not authorize these transfers. PayPal has denied multiple disputes despite the suspicious activity occurring while I was speaking with their representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
I received a a letter in the mail dated XX/XX/XXXX about an account being opened in my name that I didn't do. I immediately contacted US Bank to report fraud. I was told within XXXX hours I would get an email with some paperwork that needed filled out and return to close the account. I. never got that paperwork, called in again and was apologized to and she said she would ask for it to be sent again. I decided to go to a local brand that day on XX/XX/XXXX and a local rep, XXXX XXXX helped me fill out the paperwork and get it scanned into the system. He was incredibly helpful and friendly. I called mid week the following week to make sure this paperwork was received. I was advised that it was and that it could take up to YEARS for this account to be closed and this is unacceptable to me. I asked numerous times to speak with the actual department handling the fraud and was told I could. I asked to speak with someone to file a complaint and was transferred to a XXXX XXXX, I left a message and NEVER received a call back. I just want to make sure that his account is closed as it is fraud and my concerns are not being addressed by US Bank. I will never bank with a company that is not taking this so seriously, the person had my SSN and everything. As of today I got a statement in the mail for this account and I am very confused as to why it is not yet closed. It is very frustrating that I can not speak with the department who is handling this issue. I keep being told that someone will reach out and no one does.

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 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: GA

Complaint narrative:
I continue to receive mail and phone calls from various companies stating that I owe bills I have no knowledge of my personal information has been stolen in the past. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Long & Foster Financial Services, Inc.
State: AZ

Complaint narrative:
Borrower : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Lender : Prosperity XXXX Mortgage Issue : Refinance Mishandling and Financial Harm Description of Issue In approximately XX/XX/XXXX, I applied for a home mortgage and was pre-approved by XXXX XXXX and her team at Prosperity XXXX Mortgage. After I placed an offer on the property, I was informed that I did not qualify under the original loan terms and was advised to obtain a hard money loan through XXXX XXXX XXXX, with the assurance that Prosperity XXXX Mortgage would refinance me shortly after closing. I was advised that this would be a temporary solution and that the refinance would be completed no later than XX/XX/XXXX. Although I was hesitant to proceed with a hard money loan, I relied on these representations. I closed on the property in XX/XX/XXXX and began making required payments of {$4400.00} per month ( interest-only, no grace period ) to the hard money lender beginning XX/XX/XXXX. I was given a scheduled closing date of XX/XX/XXXX for the refinance. However, on XX/XX/XXXX, I was informed via email by XXXX XXXX that final approval had not been obtained and that closing would not occur as scheduled. I was told approval was expected shortly. Since that time, the refinance has not closed. From XX/XX/XXXX through XX/XX/XXXX, I have continued making {$4400.00} monthly payments while being repeatedly asked for additional documentation. I promptly submitted all requested items and was repeatedly assured that my loan file was in underwriting and that closing would occur soon. Despite ongoing follow-ups, the refinance has not been completed. I have requested clarification and assistance from the assigned loan processor, XXXX XXXX, and escalated concerns to her supervisor, XXXX XXXX, but have not received meaningful resolution or confirmation that my file was properly submitted to underwriting. At this time, I have reason to believe my loan file may not have been appropriately processed or submitted to underwriting in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: AL

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 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charge annual fee which i have not used the credit card from Citibank for over one year. I called customer service on XX/XX/XXXX and asked him to waive the fee and close the account. He told no worries account is closed and late fees and annual fees are waived. Customer service never waived the annual fee and did close my account. I have been calling Citibank just to find out on XX/XX/XXXX from another customer service XXXX XXXX that customer service representative phone call from XX/XX/XXXX made a mistake on his part and should have been cleared about the options I have. Option 1 keep the card and pay the annual fee or option 2 is switch credit card with no annual fee charge. XXXX XXXX did state she will note this to the supervisor but at this point she is not able to do anything due to the account been over 30 days. Plus, they reported it to my credit bureau which affect my score. This is Citibank customer service mistake by not and i was misled to believe the annual fee was waived and everything was taking care of.

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 monetary relief