vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to formally dispute an unauthorized inquiry listed on my credit report under account number XXXX. I have reason to believe that this inquiry was made without my knowledge or written authorization. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681, any entity accessing my consumer report must have a permissible purpose and, where applicable, my written consent. I do not recall providing such authorization to this company, and therefore I request that you provide proof of the permissible purpose or written consent associated with this inquiry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
I have an account with Fay Mortgage Servicing and had an escrow account set up. My property taxes for XXXX were not paid and I was hit with a late penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am disputing a debt being collected by Pro Collect related to a former apartment residence. The account includes a balance of approximately {$6800.00}, consisting of rent charges and alleged damages. I previously requested validation of this debt, and the collector provided an itemized statement. However, the statement contains materially inaccurate information. It states that I was evicted for non-payment of rent. This is false. An eviction action was filed, I appealed and the case was dismissed by the court, and I vacated the premises voluntarily. Court records reflect this outcome. Additionally, the charges include amounts for damages that I did not cause. The underlying incident involved a structural failure of the unit and damage incurred during emergency rescue operations. These are not tenant-caused damages. The collector has provided an itemized bill but has not provided documentation establishing that I am legally responsible for these charges or supporting the claim of eviction. I have disputed this account directly with the collector and requested documentation supporting both the eviction claim and my legal liability. The collector has not provided sufficient documentation to support these claims. I am requesting that this account be investigated for accuracy and that it be removed or corrected accordingly.

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 2026-04-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Fusion Auto Finance
State: MI

Complaint narrative:
I returned my leased XXXX XXXX XXXX with approximately XXXX miles and no other excess wear or damage noted. I was later billed {$760.00} for tire tread depth. I disputed the charge and requested goodwill consideration given the low mileage, clean vehicle condition, and the fact that I immediately entered into a new lease. The company denied the request and stated this was their final decision. I am requesting a formal review of the charge and whether it is reasonable given the normal wear expected during a standard lease term. I have been lease loyal with XXXX and have never been charged for tires. The tires were rotated every 6 months throughout the lease and I was XXXX miles under mileage on the lease.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing a rental collection account being reported by a collection agency for an alleged debt related to XXXX XXXX XXXX in the amount of {$5300.00}. I do not recognize this debt as valid. I never received a move-out statement, final bill, or itemized list of charges from the apartment complex after vacating the unit in 2023. Because of this, I was not given an opportunity to review, dispute, or pay any legitimate balance before it was sent to collections. I previously disputed this account, and the collection agency responded that the information was accurate, but they did not provide any documentation or evidence to support the validity of the debt. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require proper investigation and validation of disputed debts. At this time, I am requesting : 1. Full validation of the debt, including a signed lease, itemized move-out charges, and proof of how the amount of {$5300.00} was calculated. 2. Documentation showing that I was properly notified of this balance before it was sent to collections. 3. If the company can not provide this documentation, I am requesting immediate deletion of this account from all credit reporting agencies. This inaccurate and unverified account is negatively impacting my credit and ability to obtain housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MA

Complaint narrative:
CFPB COMPLAINT U.S. BANK I am filing this complaint against U.S. Bank for failure to comply with federal law in handling unauthorized electronic transactions and identity theft. On XX/XX/2026, I submitted a complete fraud and dispute package to U.S. Bank via fax ( 44 pages ), including FTC Identity Theft Reports, sworn affidavit, and supporting documentation establishing that I am a victim of identity theft. This fax was successfully delivered to their dispute department. The fraud involves my U.S. Bank account, where I was locked out of my own account and approximately {$1300.00} in unauthorized transactions were processed without my authorization. These transactions are directly tied to a broader identity theft scheme involving fraudulent accounts and a business entity created in my name. Under Regulation E ( 12 CFR 1005.11 ), U.S. Bank is required to investigate within 10 business days and, if unable to complete the investigation, issue provisional credit to the consumer. As of XX/XX/XXXX, XXXXnearly 30 days laterU.S. Bank has failed to provide any provisional credit and has not resolved the dispute. This is a clear violation of federal law. U.S. Bank had actual notice of identity theft and full supporting documentation but failed to take required action. Their inaction has caused direct financial harm, loss of access to funds, and ongoing distress. I am requesting : 1. Immediate issuance of full provisional credit for all unauthorized transactions 2. A complete fraud investigation compliant with Regulation E 3. Written confirmation that I am not liable for any fraudulent activity 4. Correction of any information furnished to consumer reporting agencies or XXXX XXXX XXXX related to this fraud 5. Compensation for damages resulting from their failure to comply with federal law If this matter is not resolved immediately, I will pursue formal legal action.

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 2026-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
BELOW IS MY EXACT COMMUNICATION TO COMMERCIAL ACCEPTANCE " I am writing to formally dispute the validity of the above-referenced account. This alleged debt relates to an ambulance service that I did not authorize, did not request, and for which I did not sign any agreement accepting financial responsibility. Under the * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. * *, and the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * *, I am exercising my rights to dispute this debt in its entirety. You are hereby notified of the following : 1. I do not acknowledge this debt as valid. 2. I did not provide consent for the ambulance service, nor did I execute any contract or agreement obligating me to pay for such service. 3. You must provide full validation of this debt, including : * A copy of any signed agreement bearing my signature; * Documentation proving I authorized or requested the service; * A complete accounting of the charges; * Proof that you have legal authority to collect this alleged debt. If you can not provide the above documentation, you are required by law to : * Cease all collection activity immediately ; and * Remove any and all references to this account from my XXXX AND XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: VA

Complaint narrative:
I am filing this complaint due to Midland Credit Managements continued failure to respond to multiple written disputes and their ongoing reporting of an account that remains unverified. I have sent multiple rounds of formal disputes regarding this account, each requesting verification and documentation establishing that I am legally obligated for the alleged debt. Despite these efforts, Midland has failed to provide any meaningful response. They have not provided : A contract or agreement bearing my signature Any documentation demonstrating that I authorized or opened the account A complete chain of title showing their legal right to collect Any verification of the amount claimed Any response addressing the substance of my disputes Instead, Midland has either failed to respond entirely or continued reporting the account without providing the requested documentation. This is not a valid investigation. Ignoring repeated disputes and continuing to report the account without verification demonstrates a complete failure to comply with investigation obligations. Additionally, Midland continues to furnish this account to consumer reporting agencies despite having been placed on notice that the account is disputed and unverified. Reporting unverified information while failing to respond to disputes raises serious concerns regarding the accuracy and integrity of the information being reported. Their conduct demonstrates : Failure to conduct a reasonable investigation Failure to respond to repeated written disputes Continued reporting of disputed and unverified information Lack of documentation supporting the alleged debt Potential reporting of information that can not be substantiated At this point, Midland has been given multiple opportunities to validate this account and has failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reel Time Capital LLC
State: ID

Complaint narrative:
My parents are getting phone calls from this debt collector asking for me, but they dont explain what and why. I do not live with my parents and this agency has not yet to contact me personally. They are using abusive language and threatening action. I do not know or remember how that they got my parents home number. It needs to stop. I understand RTC has a reputation that has hurt many.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am reporting a missing payment from XXXX XXXX via XXXX ( a PayPal service ). According to the internal Payment Confirmation ( Payment ID : XXXX ), the amount of XXXX THB was supposed to be settled on XX/XX/year>. However, my bank XXXX XXXX XXXX XXXX has confirmed multiple times that no such transaction was ever received. Despite providing XXXX with this feedback, they have only sent a basic internal screenshot and have failed to provide an XXXX document or a Trace ID ( XXXX ), which is required by the bank to locate the missing funds. PayPal support has also refused to intervene. It has been over XXXX months, and the company has failed to provide the necessary proof of transfer to resolve this discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am submitting this complaint regarding a Chase XXXX Checking promotional bonus ( Earn up to {$750.00} ) that has not been honored despite full compliance with all terms and multiple confirmations from Chase representatives. On XX/XX/XXXX, I opened my business checking account at the Chase branch located XXXX XXXX XXXX in XXXXXXXX XXXX with banker XXXX XXXX. At the time of account opening, the promotional code was applied in person. The banker explicitly confirmed that the promotion was successfully attached to my account, showed this confirmation on her system, and provided printed confirmation. This is further supported by my documented communication with the banker and follow-ups ( see attached correspondence ), where the application of the promotion was acknowledged. Per the promotion terms : I deposited over {$20000.00} within the required timeframe ( completed XX/XX/XXXX ) I completed 5+ qualifying ACH credits ( completed XX/XX/XXXX ) I maintained the required balance continuously for over 60 days. All conditions were fully satisfied in good faith. However, when I later contacted Chase Customer Service, I was informed that no promotion was attached to my account. This directly contradicts what was confirmed at account opening and by the branch. I made multiple attempts to resolve this : Multiple calls to Chase Customer Service Multiple Secure Messages Multiple in-person visits to the branch Direct communication with banker XXXX XXXX During these interactions, both the banker and branch manager acknowledged that : The promotion had been applied at account opening The issue may be due to a system error A manual adjustment would be made to apply the bonus Despite these assurances, the {$750.00} bonus has still not been credited, and no clear resolution or timeline has been provided. Additionally, Chase Customer Service repeatedly redirected me back to the branch, even though the branch had already escalated the issue. This demonstrates a lack of internal coordination and failure to properly handle a valid customer complaint. I have only one Chase business account and have not received any similar promotional bonus with in the past 12 months. I fully meet the one offer per account requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am filing a complaint regarding Webster Banks failure to honor a promotional offer despite my full compliance and the banks own admission of internal error. On XX/XX/year>, I opened a Premium Checking account at a Webster Bank branch XXXX XXXX XXXX XXXX XXXX ). At account opening, I specifically confirmed with the banker assisting me that I was enrolled in the XXXX up to {$300.00} promotion. https : //cloud.email.websterbank.com/premium-bonus The official promotion terms clearly state : A customer must receive qualifying direct deposits of {$500.00} or more per statement cycle Each statement cycle that meets the requirement results in a {$150.00} payout Maximum bonus is {$300.00} The terms explicitly state : Each statement cycle you satisfy these conditions, you will receive a payout of {$150.00}. I fully met all requirements : XX/XX/year> : {$500.00} qualifying direct deposit XX/XX/year> : {$500.00} qualifying direct deposit ( See attached transaction records ) Despite meeting all conditions : I did not receive the {$150.00} bonus for XXXX statement cycle. I did not receive the {$150.00} bonus for XXXX I contacted Webster Bank multiple times via phone, secure messages, and in-person branch visits. In a written response dated XX/XX/year>, Webster Bank acknowledged : there appears to have been an error in the account coding Additionally, I was informed by a branch representative that : The missed bonuses totaling {$300.00} would be paid in XXXX. However : As of XX/XX/year>, no bonus has been paid No resolution has been provided No timeline has been given Key Issue I met all promotion requirements Webster Bank confirmed enrollment at account opening. Webster Bank acknowledged internal error Webster Bank failed to issue payment Webster Bank failed to correct the issue after escalation This constitutes a failure to honor advertised promotional terms and a deceptive and unfair business practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 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: NC

Complaint narrative:
As per 15usc 1611 Experian is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc : Consumer Financial Protection Bureau. Cc : Attorneys General Office. Cc : Better Business Bureau. Cc : State Senate. Cc : Federal Deposit Insurance Corporation. Cc : Comptroller of the Currency. Cc : Federal Reserve System. Cc : Credit and Insurance. Cc : Federal Trade Commission. Cc : State Regulatory Agency.

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 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mobile, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Subject : FCRA 609 Request for Validation & Immediate Deletion of Unverified Accounts To XXXX, XXXX, XXXX : I am writing to formally dispute several accounts listed on my credit reports. This letter serves as a request for validation under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g ( Section 609 ). Upon review, I do not recognize or can not verify the accuracy of the following accounts : Disputed Accounts : XXXX XXXX XXXX Account ending in XXXX {$170.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. {$1200.00} {$1200.00} XXXX XXXX XXXX XXXX Approx. {$2900.00} Under FCRA 609, I am requesting full disclosure and documentation regarding these accounts. Please provide : A copy of the original signed contract or agreement bearing my signature Complete account statements and payment history Documentation showing I legally agreed to assume responsibility for the debt The name and address of the original creditor Proof that the reporting entity has the legal right to collect and report this debt As you are aware, reporting agencies are required to maintain maximum possible accuracy under FCRA 607 ( b ). If you can not provide the above documentation, then you are in violation of federal law by reporting unverifiable information. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation. If these accounts can not be verified with proper documentation, they must be deleted immediately from my credit report. Please note : A simple verification or confirmation from the furnisher is not sufficient. You must provide actual documentation supporting the validity of the accounts. If you fail to comply with this request, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action for willful noncompliance under FCRA 616 and 617. Please complete your investigation within the required 30-day period and provide : Written confirmation of your findings Copies of all documentation used to verify these accounts An updated copy of my credit report reflecting deletions or corrections This letter is sent via certified mail and serves as a formal record of my dispute. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation