vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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: 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 2026-03-04 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: TN

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS - 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 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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I activated and tried to use my Comenity/Caesars XXXX XXXX credit card at a restaurant. I was informed by the restaurant that my card was closed. Upon calling Comenity Bank, they informed me that the account was closed on XX/XX/XXXX and I would receive a letter. I never received a letter in the mail about the closing. They charged my account with an annual fee and refused to remove the annual fee. I believe that I am not required to pay the annual fee since I never got a chance to use the card, since they closed my account before I could activate the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
On XX/XX/year>2026 at XXXX AM, after my Robinhood account was closed, Robinhood liquidated my assets and initiated an outgoing ACH transfer in the amount of {$1100.00} to my linked bank account. It has now been more than two weeks, and the funds have not been received in my bank account. I have contacted Robinhood multiple times via email and attempted to reach support through their website. However, because my account is closed, I no longer have access to in-app chat support, and I have received no response to my inquiries. I am requesting confirmation of the ACH transfer status, including the trace number and processing details. If the transfer failed or was rejected, I am requesting that the full amount of {$1100.00} be immediately reissued via physical check mailed to my address on file. XXXX XXXX XXXX, XXXX, Tx, XXXX Despite repeated attempts to resolve this matter directly with the company, I have received no communication or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: OH

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 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
midland credit is threatening to sue on a debt for XXXX XXXX that was satisfied and at this point if still owed the debt was last updated/closed XXXX2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-04 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: AZ

Complaint narrative:
Validation of Debt Request - JEFFCAPSYS/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 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 2026-03-04 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am filing this complaint regarding a dispute denial by Barclays related to a charge for construction services that were misrepresented and effectively resulted in duplicate payment. The transaction in question is a charge in the amount of {$7800.00}, which was paid using my Barclays credit card for windows and exterior doors related to a residential construction project. I am the homeowner and borrower on a construction loan for the property located in XXXX XXXX, Florida. Under the construction contract, the contractor was responsible for ordering and installing these materials. At the time of the charge, I paid the contractor directly with my credit card as an accommodation so work could proceed. However, under the construction loan draw schedule with my lender, the contractor was later reimbursed through the construction loan for the same work category ( windows and exterior doors ). This means the contractor effectively received payment through the construction loan draw process while I remained responsible for the credit card charge. When I realized that the contractor had been reimbursed through the construction draw schedule and had not reimbursed me for the charge I made on my credit card, I filed a dispute with Barclays for the {$7800.00} transaction. I provided documentation showing that : The charge was made for windows and exterior doors related to a construction project The contractor later received construction draw funds related to that same work category I personally paid the charge and was never reimbursed The contractor retained the benefit of both payments Despite this documentation, Barclays denied the dispute and concluded that they could not issue a permanent credit. As a result, I am now being held responsible for a charge that represents a duplicate payment for the same construction work. I believe the dispute investigation conducted by Barclays was incomplete and did not fully consider the context of the transaction or the documentation provided. This was not a typical retail purchase ; it was a construction-related payment where the contractor was later funded through a lender draw for the same category of work. In addition, I successfully disputed a separate charge with another credit card issuer related to the same contractor, which resulted in a permanent credit being issued after review of the circumstances. This indicates that other financial institutions reviewing similar documentation recognized the underlying issue.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
Validation of Debt Request - SPRING OAKS CAPITAL - 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 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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-03-04 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: CA

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 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Guild Holdings Company
State: NV

Complaint narrative:
I have authorized a recurring ACH payment of {$1700.00} to be withdrawn monthly for my mortgage with Guild Mortgage Company. I have consistently made my payments on time and have never been delinquent. My scheduled payment was successfully withdrawn on XX/XX/XXXX. However, an additional payment was withdrawn and cleared my account on XX/XX/XXXX, and as of XX/XX/XXXXXXXX, a third payment is pending. I contacted Guild Mortgage regarding these unauthorized duplicate withdrawals and was informed that there is a processing glitch on their end. I was further advised that they are unable to take corrective action at this time, despite the fact that thousands of dollars have been removed from my account without my authorization. I am currently overseas, and the time spent on hold attempting to resolve this matter has resulted in significant long-distance charges and considerable stress. While I was told the issue is being addressed, I have received no clear explanation as to when my fundscurrently totaling {$3400.00} in duplicate withdrawalswill be returned. I requested to speak with a manager but was placed on hold and ultimately informed that no supervisor was available to take my call. Although the representative was polite, no meaningful resolution, timeline for reimbursement, or offer of compensation for the financial impact and inconvenience was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: GOLDMAN SACHS BANK USA
State: ID

Complaint narrative:
I am disputing a charge for a car rental that was never provided. On XXXX XXXX I prepaid online for a rental car to be picked up in XXXX Florida. I went to the rental counter intending to rent the vehicle but was denied service by the merchant. I had valid insurance documentation and provided a credit card with sufficient available credit for the deposit. I did not cancel or change my mind. No vehicle was offered, no keys were issued, and no rental agreement was completed. Despite this, the charge posted to my Apple Card/Goldman Sachs Bank USA . I have disputed this charge with Goldman Sachs Bank USA multiple times over several months. I was instructed to contact the merchant directly, which I did in writing, but received no reply nor was the charge reversed. Goldman Sachs continues to deny the dispute without providing evidence that a vehicle was released or that services were rendered. The amount of the charge was {$330.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
CFPB Complaint Draft Rocket Mortgage PMI Issue Product : Mortgage or Home Loan Loan Number : XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX NC XXXX Company : Rocket Mortgage Description of the Issue : I am requesting that Rocket Mortgage remove the private mortgage insurance ( PMI ) on my conventional mortgage because I have reached the scheduled 78 % loan-to-value ( XXXX ) based on the XXXX amortization schedule. I am current on all payments. According to the Homeowners Protection Act ( HPA, 1998 ), PMI must automatically terminate when the principal balance reaches 78 % of the original property value on the scheduled amortization, provided the borrower is current. Past late payments can not legally prevent automatic termination. Despite meeting these requirements, Rocket Mortgage has refused to remove PMI. They have stated on XXXX phone calls on XX/XX/XXXX that XXXX did an XXXX and shows lates and can not get approval, which is not consistent with the HPA : Automatic termination does not require Fannie Mae approval It does not consider past late payments if the loan is current. An XXXX is not required to determine eligibility for automatic termination. I request that the CFPB investigate and require Rocket Mortgage to : Confirm the scheduled 78 % XXXX termination date for my loan Remove the PMI immediately in compliance with the HPA Provide a written explanation if PMI is not removed in accordance with federal law Loan Details : Original Loan Amount : {$200000.00} Original Property Value / Purchase Price : {$220000.00} Loan Term : XXXX Fixed Conventional Loan Start Date : XX/XX/XXXX Current Balance : {$170000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
I received an email which I believe is phishing scam. First of all the company logo has been changed. The real company has white in the middle of the connecting shapes. XXXX XXXX XXXX or XXXX XXXX is a company that offers loans and credit cards to retailers. I do not have a debt with a retailer who has used this company. Actually I have no debt at all. The email does not provide a date as to when this debt was sent to collections. Furthermore, my information has been compromised by several if not many companies. So, anyone could try to use my information to commit fraud or a scam like in this case. I sent this email to : XXXX today and they forwarded me to you the CFPB site to file a complaint. Here is a copy of the email I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: IA

Complaint narrative:
I had submitted my taxes through Cash App and did not receive my funds I talk to customer service multiple times with no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: VA

Complaint narrative:
Validation of Debt Request - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 2026-03-04 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: CBC Companies, Inc.
State: TX

Complaint narrative:
Dear Innovis Consumer Assistance,, XXXX XXXX XXXX - XXXX - FDCPA Section XXXX Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within 5 days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXX XXXX XXXXXXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXX XXXX XXXXXXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXX XXXX XXXX XXXX FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - FDCPA Section XXXX Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXX - XXXX - FDCPA Section 807 Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. XXXX XXXX XXXX XXXX XXXX XXXX FDCPA Section XXXX Violation Misleading - This account was not properly validated. Under FDCPA 15 U.S.C. 1692g, I must be provided written notice within XXXX days of initial contact. Since I did not receive proper validation, this account must be removed. In violation of 15 U.S.C. 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. FCRA 605B ( 15 U.S.C. 1681c-2

Company response to consumer: Closed with explanation