vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
Midland Credit Management is reporting XXXX illegal collection accounts against me totaling {$6400.00}. Account XXXX {$5400.00} XXXX XXXX Bank opened on report XX/XX/XXXX. Account XXXX {$590.00} XXXX XXXX Bank opened on report XX/XX/XXXX. Account XXXX {$330.00} XXXX XXXX Bank opened on report XX/XX/XXXX. I dispute all XX/XX/XXXX accounts for the following reasons. XXXX Midland obtained a one-party judgment and is collecting from and reporting against me without proper legal basis. I was not properly named in any court proceeding on these accounts. XX/XX/XXXX Account XXXX for {$330.00} is a confirmed fraud account. The original creditor XXXX XXXX Bank accepted my fraud claim on this XXXX account confirming it was fraudulently opened and used without my authorization. XXXX then sold this confirmed fraud debt to Midland who is now collecting on it. Collecting on a confirmed fraud debt is a serious FDCPA violation under Section XXXX. XXXX Midland is double reporting the XXXX account. XXXX still reports it as a charge-off AND Midland reports it as a separate collection. Same debt reportedXX/XX/XXXXviolates FCRA Section XXXX ( b ). XXXX Midland continues reporting all XX/XX/XXXX accounts despite consumer dispute notations already showing on my credit reports. Continued reporting after disputes without proper verification violates FCRA Section XXXX ( b ). I sent certified dispute letters to Midland and all XX/XX/XXXX credit bureaus on XX/XX/XXXX via certified mail. No response received. I demand immediate deletion of allXX/XX/XXXX accounts fromXX/XX/XXXX and XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I filled for edd got approved but never received the card but XXXX charges were made a total of XXXX i filed a claim and got denied and refiled it again today my claim number is. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My mortgage account with PennyMac was reported as XXXX days delinquent between XX/XX/XXXX and XX/XX/XXXX. Prior to this period, my account had already been placed into an approved forbearance due to hardship. This forbearance was approved before any payment issues occurred.During the time this delinquency was reported, PennyMac had not yet finalized the terms of my forbearance or issued a determination letter explaining my repayment obligations. I am currently still waiting to receive that letter. I remained in communication with the company and made payments during this time under the understanding that I was in an active forbearance program. Despite this, PennyMac reported my account as XXXX days late, which does not reflect the forbearance status or the timeline of events. I contacted PennyMac by phone to request a review and correction of this reporting. They informed me that the reporting was accurate and did not make any changes. This has caused a significant drop in my credit score. I am requesting that the reporting be corrected to accurately reflect the forbearance status during this period or that the delinquency be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: WA

Complaint narrative:
Hunter Warfield Inc reported a {$49000.00} collection account against me to all three credit bureaus in XX/XX/XXXX. This is illegal. The case is actively under appeal in XXXX XXXX XXXX XXXX XXXX I Case Number XXXX accepted XX/XX/XXXX. The debt is legally unresolved and can not be reported as a final collection while appeal is pending. XXXXXXXX XXXX XXXX XXXX XXXX attorney received the appeal acceptance papers before Hunter Warfield reported. I am XXXX XXXX XXXX. I am named in the original XXXXXXXX XXXX XXXX XXXX case and in the appeal. My husband XXXX XXXX passed away in XX/XX/XXXX and XXXX XXXX later this lawsuit was filed against our family. I have suffered documented XXXX XXXX caused directly by the stress and harassment of this illegal collection and credit reporting against me. Hunter Warfield has continued reporting every single month for XXXX consecutive months through XX/XX/XXXX. This violates FCRA Section 1681s-2 ( b ) and FDCPA Section 1692g. Certified dispute letters were sent XX/XX/XXXX via certified mail. No response received. I demand immediate deletion from all three credit bureaus. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Comerica
State: CA

Complaint narrative:
Complaint Target File againstXX/XX/XXXXXXXX XXXX ( Comerica Bank ) or XXXX ( XX/XX/XXXX as the service provider handling XX/XX/XXXXpayments. CFPB routes to the supervised entity behind your federal benefits card. Include XXXX XXXX XXXX if alleging supervisory failure, but primary is the account issuer. CFPB Complaint Body I received a termination notice from XX/XX/XXXX Payment Processing Service on XX/XX/year>, stating my federal benefits card account ends XX/XX/XXXX, XXXXtoday. This disrupts my XXXX XXXX XXXX veteran benefits, causing irreparable harm. This action is retaliatory, following my notices to XXXX XXXX XXXX XXXX XXXX XXXX XXXX on Rule XXXX proxy omissions, XXXX complaint against XXXX XXXX XXXX XXXX XXXX Federal Reserve complaints , and active litigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX (XX/XX/XXXX ). It violates XXXX XXXX ( XXXX XXXX XXXX ), fair access principles, and constitutes UDAAP by punishing a complainant exposing systemic risks like identity theft and governance failures in the XX/XX/XXXX program. Fair resolution : Immediate account reinstatement or expedited transfer of benefits to my new account ( details below ). Provide written explanation and preserve all records under litigation hold. Notify XXXX of compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
It is too long to write in here, so I sent a letter and I will upload it for you to send I have been fighting this for a couple years now. Please read the letter that I have submitted. Also in the file is the email that I was given, stating that any late payments would be removed and all late payments would be stopped during my re-modification. I have the proof. Since then, they took XXXX off told me they were gon na keep that off as long as I did not dispute this claim which I'm not going to stop disputing because I did nothing wrong. They have been lying the whole time and because I disputed after over a year, they put it back on. They are also on my XXXX report reporting that I was late in XXXX I sold my house in XXXX. It was impossible for me to be late when I sold the house and they keep writing I sold the house after foreclosure started. My house was already sold, and they were already paid in XXXX of that year. The account was closed on my credit report and then they came back and tried to write all that please read the attached letter. It explains everything and all the codes that they are violating. It's too long to fit on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I tried to open account they said if I paid the {$48.00} balance I can open account sent check over 4 weeks ago and I still cant open the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
XXXX ) On XX/XX/year>2026, a letter was issued by the Milestone Mastercard Credit Protection Program ( " the program '' ) stating that my request for Credit Protection Benefits due to involuntary unemployment had been approved. ( see attached file ). XXXX ) The letter states that I will receive a first benefit of {$64.00} within XXXX ( XXXX ) business days from the letter 's date, that I will continue to receive monthly benefits for XXXX ( XXXX ) additional months, and that a continuing benefit request form will be sent after those XXXX benefits have been paid to check if I am eligible for additional benefits. XXXX ) The letter DOES NOT address the criteria or guidelines used by the program to initially approve my request for XXXX ( XXXX ) months only. XXXX ) Upon checking the program 's terms and conditions ( see attached file ), NOWHERE does it state that customers are initially approved forXX/XX/XXXX months of benefits and that, at the end of that period, they must submit a continuing benefit request form to verify if they are eligible additional for benefits. XXXX ) On XX/XX/year>2026, I sent an email to XXXX ( the program 's email address ) mentioning these concerns and requesting additional information, but a response has not been provided to me. ( see attached file ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : Formal Notice of Credit Bureau Dispute Submission Request for CFPB Oversight To Whom It May Concern : I am writing to formally notify the Consumer Financial Protection Bureau that I have submitted written credit dispute letters to Equifax Information Services LLC as well as directly to the debt collection agency responsible for the inaccurate and unverifiable item appearing on my credit report. I am providing this notice to the CFPB so that there is an official record of my dispute submissions and the timeline by which the bureau and furnisher are required to respond under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXXXXXX XXXX XXXX Dispute Letters Submitted To : Recipient Items Disputed Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Collection account XXXX {$4700.00} ( Account XXXX XXXX XXXX XXXX XXXX XXXX ) reporting exclusively on XXXX ; disputed for inaccuracy, Metro 2 non-compliance, re-aging, missing required data fields, and failure to verify chain of ownership XXXX Attn : Disputes Department Legal Basis for Disputes : Debt validation request and formal dispute of {$4700.00} collection account demanding proof of original creditor, chain of ownership, signed contract, Texas licensing, statute of limitations verification, and full Metro 2 compliant documentation 15 U.S.C. XXXX ( a ) Each bureau has XXXX days from receipt to complete its investigation 15 U.S.C. XXXX ( b ) Furnishers are obligated to investigate and correct inaccurate information 15 U.S.C. XXXX ( b ) Bureaus must maintain maximum possible accuracy in consumer reports 15 U.S.C. XXXX Prohibition on reporting obsolete or re-aged information 15 U.S.C. XXXXg Debt collectors must validate debts upon written request 15 U.S.C. XXXX / XXXX Civil liability for willful and negligent noncompliance Each bureau and furnisher has been formally notified that failure to investigate and respond within the required XXXX timeframe is a violation of federal law. I respectfully request that the CFPB maintain this correspondence as part of an official record. Should Equifax or XXXX fail to comply with the FCRA 's requirements within the mandated XXXX window, I intend to file formal complaints with the CFPB, the Federal Trade Commission , and the Texas Attorney General 's office, and will consult with an FCRA attorney regarding my right to statutory damages of up to {$1000.00} per violation plus attorney fees under 15 U.S.C. XXXX. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
Ive been trying to use the card for years and it keeps getting declined. When I tried checking the card balance online I received an error saying that the card was invalid. When I called customer service they said that the card was was inactivated due to fraud monitoring. The card has remained in my possession since being gifted to me and I do not suspect fraud. They refuse to reactivate the card or send a replacement.

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 2026-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
On XX/XX/XXXX, a legal representative attempted to serve me papers at my home address, but I work from home and was unable to answer the door as I was in a meeting. On XX/XX/XXXX after tracking down a medical debt in my SMS spam folder from Mountain Land Collections ( who had used a XXXX digit long number to text me from ), I called MLC to attempt to verify the debt. They verbally explained where the debt had come from but I asked for a written itemized statement. XXXX told me that I could request one by email, as well as submit any documentation from bills that had already been paid concerning the XXXX, which I did. On XX/XX/XXXX I emailed again after not hearing back, again requesting an itemized invoice from the XXXX. On XX/XX/XXXX MLC emailed me back stating that they would not be emailing me anything regarding my case as it was already in litigation. On XX/XX/XXXX I call the number MLC provided in their email and speak to XXXX, who again is only able to verbally walk through the debt. She reports that previous texts being marked as spam and not being delivered, and the XXXX mailed letter they sent on XX/XX/XXXX not being delivered were complaints I would have to file with XXXX and XXXX and not their problem. She offers me a payment plan, which I accept at the time because I'm terrified that they are going to show back up at my house while I'm working. She said I would have to sign something however, and after sending it, I email them back again insisting on a written verification of the debt and letting them know that under no circumstances were they able to contact my employer, which is something the contract stated. I also asked for written verification of the legal fees they had tagged on to the total bill, which was initially {$400.00} but was now {$800.00}. At this time, I reached out to my insurance company, with the receipts of what I had paid previously for the XXXX, and XXXX also requested an itemized statement from Mountain Land Collections. In my email to MLC, I let them know that XXXX was requesting an itemized statement. XX/XX/XXXX MLC sends another legal representative to my door to serve papers, but we are out of town. MLC showing up at my place of residence multiple times while I'm working and out of town makes me feel unsafe, especially since they are refusing to send a written invoice of the alleged bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
This dispute involves a medical collection account containing protected health information. There is no evidence that reporting complies with HIPAA minimum necessary standards regarding disclosure of medical data. Additionally, the account continues to be verified without evidence of a reasonable reinvestigation under FCRA 1681i and is being reported without complete and accurate information under 1681e ( b ). I request deletion of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Mortgage — FHA 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: FL

Complaint narrative:
direct theft of funds XXXX a medical advance in XXXX doubledip lenders collected these funds from and filed a HUD partial claim and lien for XXXXillegal & predatory loan modifications 2 times interest rate breach original loan XXXX at XXXX at XXXXmonthly payment servicer unilaterally changed my contract durning medical times XXXX XXXX XXXX recall illness from XXXX to XXXX had XXXX XXXX XXXX of XX/XX/XXXX tax & information fraud on a XXXX interest mortgage XXXX XXXX for tax year XXXX servicer errors fail to properly credit monthly payments inaccurate reporting missing recouping funds unapplied funds in escrow account instead of principal and interest .aucrtion was set for XX/XX/XXXX at XXXX lender had me sign loan XXXX XX/XX/XXXX made me pay XX/XX/XXXX while in duress they cancelled at XXXX pm i sent them proof of payments from XXXX XXXX XXXX management, they sorry you lived in your home for 5 years and never made a payment its started XXXX and forclosure is still active after 9 years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 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 am writing to formally dispute the denial of rent rewards points for the months of XXXX and XX/XX/year>. During the transition from XXXX XXXX to XXXX XXXX, I followed the migration prompts and explicitly selected the option to continue receiving rent points. I met all eligibility requirements, including the minimum " everyday spend '' threshold required to earn the XXXX multiplier on my rent. Despite correctly setting up my account, I did not receive points for my XXXX or XXXX rent payments. When I contacted XXXX Customer Service, they claimed I did not select the option to pay rent via the credit card. This is factually incorrect based on the interface presented to me during the migration. I followed the same debit procedure I have used successfully for months, and the app interface indicated that my setup was correct for earning multiplier points. The migration process failed to correctly transfer my preferences, and XXXX has failed to properly inform or rectify this technical error. I have attempted to resolve this through their support channels, but they have been unhelpful and have refused to credit the missing points.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ProCollect, Inc.
State: CA

Complaint narrative:
The company the XXXX I ended my lease early and they all of a sudden brought up I had to pay a lease termination fee and there was no info in the lease agreement about it and have threatened me legally if I do not pay they will come after me in court and I will owe them more

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 2026-04-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received a letter from several, law firms stating that I had been sued by american express, which they had filed with the XXXX XXXX clerk on XX/XX/year>. This is the first time I have heard anything about this. The letter states that they may garnish or freeze my bank account, cloud the title on my homestead, or force a sale on my home. I know this is illegal and would like this matter to be resolved before this company does something else unlawfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have a Care credit card. I noticed on XX/XX/XXXX they charged me an interest charge on purchases of XXXX. I wrote them a letter couple weeks ago. Told them about that fee and how ridiculous it was and Wanted to know why the charge was so high. Told them XXXX and XXXX interest charge was around XXXX each month then XXXX for XXXX. Got No reply. I had a payment due on XX/XX/XXXX. I made the minimum due payment of XXXX on XX/XX/XXXX. The Payment went through, then I see a minimum due again for XX/XX/XXXX of XXXX. XXXX dollars?? Why? Now they charged me a Late fee of XXXX. Ridiculous!

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 2026-04-11 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: EQUIFAX, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief