vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: InDebted Corporation
State: MT

Complaint narrative:
I contacted Indebted regarding an alleged debt they claim I owe. I requested validation of this debt in writing, including proof of the original creditor, the amount owed, and documentation showing I am legally responsible for the debt. Since that date, I have not received any response from Indebted despite my attempts to communicate with them. This has prevented me from verifying whether the debt is accurate or even valid. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of a debt. Indebted has failed to provide any documentation or respond to my request. If this debt is being reported to any credit reporting agencies, it may be inaccurate and unverified. I am requesting that Indebted provide full validation of the debt or remove it from my credit report if they can not verify it. I am seeking a resolution to this matter and expect a prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Optio Solutions, LLC
State: AZ

Complaint narrative:
I am a victim of identity theft. I did not authorize, open, or benefit from the account ( s ) and inquiries that are currently appearing on my credit report. I recently discovered unauthorized activity, including hard inquiries and a collection account associated with Qualia Collection Services. I have not applied for any credit related to these items and did not give permission for my personal information to be used. I believe my identity may have been compromised due to recent data breaches, including the XXXX XXXX XXXX incident. As soon as I became aware of this fraudulent activity, I took immediate action to dispute the information with the credit bureaus and the reporting debt collector. I am requesting that all fraudulent accounts and inquiries be removed and that any reporting related to this identity theft be blocked. I certify under penalty of perjury that the information provided is true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Issues with XXXX, business open an extra phone number under my account.It was out my consent. I try to resolve this with them. But they would not help me, even when I i send over information via email. Wells fargo has not been happening with those issues, but has been making it more difficult. On more recent transactions.... I allowed them to remove the stop pay, which they decline. They said it would take one or two business day, which I requested it on a business day. They said I would have to enter my bank account and route number to pay bill, which I did, and they still refused to remove the money to pay my phone bill to XXXX business. The money still appears on my bank account. Wells fargo is becoming quite problematic. Customer service turns up on me and does not allow me to escalate properly. I have {$180.00} in my bank account, in order to pay this bill of {$110.00} with XXXX business. If wells fargo fails to circumvent funds this could be an issue. I believe it's being done purposely in order to cause issues. Screenshots were taken today.

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 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Company Name : Midland Credit Management Issue : Debt collection / Communication tactics Complaint : I am filing a complaint against Midland Credit Management for violations of the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/year>, I sent Midland Credit Management a formal debt validation request pursuant to FDCPA 1692g. In that letter, I clearly requested validation of the alleged debt and instructed them to cease all collection activity until validation is provided. Despite this, Midland Credit Management has continued to contact me through repeated phone calls and text messages. This behavior constitutes harassment and is a direct violation of FDCPA 1692g ( b ), which requires that all collection activity cease until proper validation is provided. Additionally, their continued communication after being notified in writing to cease contact is a violation of FDCPA 1692c ( c ). I have not received proper validation of the alleged debt, yet they continue to attempt collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I spoke with a representative from Portfolio Recovery Debt Collection and during my call I asked who do I owe debt to. I was told XXXX XXXX, however when asking when the debt was accumulated ; I was told in XXXX. That I had withdrew a cash advance from my line of credit. I did not have in my possession or any action of a XXXX XXXX to withdraw a cash advance in my line of credit in XXXX. I told Portfolio Recovery Representative that I suspect I was a victim of Identity theft and that the debt was fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/year> at XXXX. Someone had hacked into my CashApp account and borrowed {$200.00} and and used {$190.00} of my own money as well. They put it into bitcoin on my account through CashApp and took {$380.00}. I didnt not notice he notifications till around XXXX XXXX when I wake up for work I immediately reported it to Cash App support. I had my case open and closed at least 3 times now and they have not provided me with my refund of the money that was taken and are expecting me to pay for the bitcoin balance that was taken. I have attempted today XXXX XXXX to reopen my case since I submitted a police report as well about the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am a victim of identity theft and data breach. My personal information was used fraudulently to open several accounts in my name. I did not authorize these accounts or charges. These accounts have resulted in adverse credit reporting, including charge-offs and collections. I am formally requesting that all fraudulent accounts listed below be blocked or removed from my credit reports under 15 U.S. Code 1681c-2 of the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am filing this complaint regarding a debt that I requested validation for, but the debt collector has failed to properly respond. On or about XX/XX/year> I sent a written request for debt validation to Capital One regarding account number XXXX. This request was made pursuant to my rights under the Fair Debt Collection Practices Act. The debt collector has failed to provide adequate validation of the alleged debt. Specifically, they did not provide : - Documentation showing I agreed to the debt - A complete payment history or breakdown of the amount - Proof that they are authorized to collect on this debt - Verification from the original creditor Despite this, the account continues to be reported on my credit report, which I believe is inaccurate and in violation of federal law. I am requesting the following resolution : - Immediate deletion of this account from all credit reporting agencies- Cessation of all collection activity - Written confirmation that this matter has been resolved This failure to validate the debt while continuing collection efforts and credit reporting may violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I expect a full investigation and resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I am disputing a {$69000.00} debt with GoodLeap, LLC. This installment loan was originated through fraudulent inducement. I was marketed a 'No Cost ' government program by a solicitor ( XXXX XXXX ) who explicitly guaranteed 'No Debt, No Lien, and No Loan ' ( Exhibit A ). The identity of the lender, GoodLeap, was entirely suppressed, and was only discovered later when GoodLeap started their collections efforts. Admitted Disclosure Failure : GoodLeap management ( XXXX XXXX ) has admitted in writing ( Exhibit D ) that required financial disclosures were withheld until after the solar system was fully installed. This lack of transparency prevented informed consent. Collection Harassment : Since XX/XX/XXXX, GoodLeap has engaged in aggressive collection efforts despite a formal dispute and despite their own internal investigation. They place 34 daily automated calls and send unprofessional texts demanding 'YES ' responses to unauthorized loan modifications. Retaliatory Threats : On XX/XX/XXXX, GoodLeap sent a threat of 'Legal Action ' regarding this fraudulent debt. I have sent a formal Cease and Desist and Demand for Rescission via Certified Mail ( XX/XX/XXXX ), which they have ignored. I request the CFPB compel GoodLeap to cease all collection activity and discharge this debt originated through deception and admitted disclosure errors. Complaints were also filed with the California XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, California Department of Financial Protection and Innovation ( DFPI ), and California Attorney General ( Consumer Protection Division ) regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I have tried to get complete validation where I signed the contract for that credit card because this never showed up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX United States of America E-mail : XXXX Website : www.creditcorponline.com Office Hours : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX The debt was paid to XXXX XXXX Solutions with Debit Card XXXX XXXX XXXX XXXX XXXX The amount paid was XXXX on XX/XX/year>. The representative that took the call and payment is below : XXXX XXXX Customer Relationship XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX / XXXX : XXXX Respectfully, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bilt Technologies, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX updated their cards and they kept the rent portal but asked me to reconnect the checking account again. I did as they told on XXXX XX/XX/year> but the payment to the rent failed on XXXX, I tried another 3 times and they are all failed. Now I am facing the return check fee from the apartment and bilt since the payment to the balance also failed. I checked with chase and they told me the connection between bilt and chase checking is good. But bilt credit card just could not process any payment to the rent and withdraw money from my linked checking account. I tried to contact the customer service and the service is poorly and horrible. No one is taking care of it. I need further help to investigate the issue before I pay the money I should not pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
I am co-executor ( along with my brother ) of my deceased fathers estate. I have full legal authority over his accounts at XXXX XXXX XXXX XX/XX/year>, I provided the bank with all required probate documents establishing our authority as co-executors. Despite this, Bank Protection has refused to release images of my fathers canceled checks. These images are urgently needed by his tax accountant to prepare and file the estates tax return before the upcoming deadline.An ongoing fraud investigation is also open on the account. I received a call from XXXX in the Bank Protection Department ( phone number XXXX ). XXXX informed me that XXXX XXXX my previous point of contact ) is no longer authorized to assist me and that the bank will only release the canceled check images if we obtain a court order. XXXX refused to provide her last name and resisted my request to keep all future communications in writing via email.This refusal is delaying the tax filing and appears tied to the banks potential liability for paying checks with signatures that do not match my fathers known signature. I have made repeated polite requests, yet the bank continues to withhold records I am legally entitled to as co-executor.What I want the bank to do : Immediately provide electronic images of all canceled checks for the account ( no court order required, as proper fiduciary documentation has already been supplied ). Provide a timeline for completion and confirmation that the images have been sent. Investigate and address the unnecessary delay and poor customer service by Bank Protection. I have tried to resolve this directly with the bank for over a week with no success. I am now filing this complaint so the CFPB can help compel First Merchants Bank to fulfill its obligations to estate representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
I have been trying to check the status of my loans for the past 5 years and I'm not receiving in updates or current information on my loan counts and forgiveness.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 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: U.S. BANCORP
State: VA

Complaint narrative:
I am reporting U.S. Bank for failure to conduct a reasonable investigation under the Fair Credit Billing Act. On XX/XX/year>, the bank 's Head of Enterprise Complaints, XXXX XXXX, issued a final denial ( Exhibit A ), claiming no new evidence justified a reversal of fraudulent charges totaling $ XXXX, as shown in Exhibit B, the merchant had already admitted internally that services were never rendered and issued a full refund. The bank 's 'stringent review ' failed to uncover this basic fact, placing the entire investigative burden on me, a XXXX customer. Despite the merchant 's admission and subsequent refund ( Exhibit C ), the bank has not proactively reversed the {$29.00} in interest charges that accrued during their failed investigation.

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
Consumer complaint received 2026-04-07 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: Bilt Technologies, Inc.
State: HI

Complaint narrative:
On XX/XX/year>, I made a mortgage payment of {$3800.00} through my Bilt XXXX XXXX. My bank account was debited {$3800.00} at that time. Shortly after, an ACH dispute credit of {$3800.00} was returned to my bank account, and Bilt then issued an accidental second credit of {$3800.00} to my card on XX/XX/year> an error entirely on XXXX 's end. Beginning in XXXX XXXX, Bilt contacted me requesting repayment of {$3800.00}, claiming they were unable to collect the original payment. They sent multiple invoices through a third-party platform ( Checkbook.io ), all of which produced a " Forbidden account inactive '' error and could not be accessed. Despite weeks of back-and-forth emails, Bilt failed to provide a working payment method. On XXXX XXXX, XXXX, Bilt 's support agent asked me to provide my full bank account and routing number via email so they could initiate a manual debit or froze my account. I complied. On XXXX XXXX, XXXX, Bilt debited {$3800.00} from my linked XXXX bank account via ACH. However, my XXXX XXXX, XXXX Bilt card statement still shows a {$3800.00} " Principal Debit Adjustment '' as an outstanding Other Debit meaning I have now been charged {$3800.00} twice for the same transaction : once via the XXXX XXXX XXXX ACH, and once on my card statement. Bilt has not applied the ACH payment to reduce my card balance, nor have they provided a clear written accounting reconciling these two charges. I have contacted Bilt support repeatedly requesting clarification and resolution. Their explanations have been inconsistent and no correction has been made. I am requesting that the CFPB require Bilt to provide a full written accounting of all charges and immediately refund the duplicate {$3800.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
XXXX XXXX a m Exeter Finance LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding the above-mentioned account, which you claim I owe {$25000.00}, and the account number is incomplete.. This is a formal notice that your claim is disputed. Please note that I am requesting validation ; that is competent evidence, showing that I have ( or ever had ) some contractual obligation to pay you. Please provide the record that reflects the process by which my signature was generated/executed. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA/FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. My contact information is as follows : XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I initiated a Robinhood IRA rollover from my existing 401k account with another bank on XX/XX/XXXX. On XX/XX/XXXX I mailed the cheque via usps to Robinhood through their 3rd party Capitalize. The cheque was supposed to reach within 5-7 business days. Around mid XXXX I checked the status on usps tracking and it the status hasnt changed for over a week. I was worried since it was a significant amount of money. Next several days, I created a lost mail case with usps, reached out to Robinhood support and capitalize support separately but neither provided any adequate information. After a few more weeks and the status on usps not changing, I placed a stop order on the cheque. After nearly 3 months on XX/XX/XXXX Robinhood updated their status as they received the cheque and charged me XXXX $ for returned cheque. After inquiring with them, they now want me to rollover again to avoid the fee. I do not want to rollover just to avoid the fee since I think its forcing me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I am filing a complaint against ProCollect , Inc. for attempting to collect a debt that resulted from identity theft. This account relates to an apartment lease that was fraudulently opened in my name without my authorization. In XXXX, I disputed this account and provided documentation including an identity theft affidavit and police report. After providing this information, the debt was removed and treated as fraudulent. Despite this, I received a new collection letter from ProCollect dated XX/XX/XXXX stating that the account was recently referred to them for collection. This is incorrect because the account had already previously been referred to them and removed after the identity theft documentation was submitted. Attempting to collect a debt that has already been identified as fraudulent and removed is improper and misleading. I request that ProCollect immediately cease all collection activity related to this account and confirm in writing that this identity theft debt will not be pursued again.

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