vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 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: LA

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - XXXXXXXX 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 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 2026-02-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding the ongoing restriction placed on all of my Capital One credit card accounts. Shortly after I completed the required spending to qualify for the welcome bonus, my accounts were restricted. I earned XXXX miles and a {$250.00} travel credit in accordance with the promotional terms. My accounts are current, and I have never missed a payment. I was informed that unless I provide a drivers license and state ID, the restriction will remain in place. I was further advised that when I return from vacation to the United States and obtain a drivers license, there is no guarantee that the restriction would be lifted. Due to the restriction, I am unable to : Use my credit cards for purchases Access or redeem my XXXX miles Use the {$250.00} travel credit I earned after meeting the spending requirement I offered alternative documentation to verify my identity and address, including : My valid passport Bank statements Official Florida corporate department documentation A valid lease agreement These documents were refused without a clear written explanation of why they are insufficient. I am fully willing to comply with reasonable identity verification requirements. However, maintaining indefinite restrictions without clear standards or assurance of resolution prevents me from accessing both my credit lines and legitimately earned rewards. I respectfully request : A clear written explanation of the specific verification deficiencies. XXXX that rewards earned in compliance with promotional terms will not be forfeited. I am seeking a fair resolution and the opportunity to verify my identity through reasonable and consistent procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint concerns two unauthorized electronic fund transfers ( EFTs ) totaling {$2500.00} made via XXXX on XX/XX/year>. The specific internal Chase/J.P . Morgan transaction identifiers for these transfers are XXXX ( TRN : XXXX ) for {$2000.00} and XXXX ( TRN : XXXX ) for {$500.00}. I did not initiate, authorize, or benefit from these transfers. At the time of these transactions, I was physically out of the country on a cruise in the XXXX. I was not at my home XXXX ' location or on my home IP network, making the bank 's claim of 'authorized ' activity a physical impossibility. I have a travel itinerary and boarding passes to prove my location. The use of JPM-prefixed API identifiers suggests a sophisticated account takeover. Despite a written notice from the company ( Claim # XXXX ) stating I could request the information used in their research, the company has repeatedly refused to provide these documents over the phone, falsely claiming a subpoena is required. This is a direct violation of 12 CFR 1005.11 ( d ) ( 2 ), which requires the institution to promptly provide copies of the documents they relied on for their determination. I am a senior citizen residing in XXXX and believe I have been the victim of financial exploitation. I am requesting a full refund of the {$2500.00} and the immediate production of the investigation report, including the IP address and Device ID associated with the JPM identifiers listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: DC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, XXXX entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. Due to the unforeseen circumstances myself and my child are left homeless until I am able to get it resolved and a company can approve me for a new place.

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 2026-02-25 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: National Credit Adjusters, LLC
State: TN

Complaint narrative:
I am filing a complaint against National Credit Adjusters , LLC regarding improper collection and credit reporting practices. The company is reporting a collection account for {$510.00} related to a XXXX XXXX XXXX XXXX XXXX XXXX account allegedly opened in 2021. I formally requested debt validation under 15 U.S.C. 1692g. In response, the company sent only a copy of an old billing statement. They did not provide : A signed agreement Any assignment documentation or chain of title Proof that they purchased or legally own the debt Documentation establishing their authority to collect or report Additionally, in their written response, they explicitly stated that due to the age of the debt they can not sue me. This confirms the account is time-barred. Despite acknowledging the debt is beyond the statute of limitations, the company continues reporting this account to consumer reporting agencies without having provided proper validation or proof of legal standing. I believe this conduct violates : The Fair Debt Collection Practices Act ( 15 U.S.C. 1692g, 1692e ) The Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ) I am requesting that : National Credit Adjusters provide competent evidence of legal ownership and authority to collect ; or Immediately delete this account from all consumer reporting agencies ; and Cease reporting inaccurate or unverifiable information. I am attaching copies of my validation request and their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Northstar Location Services, LLC
State: AZ

Complaint narrative:
In the XXXX of XXXX there was a fraudulent charge of {$100.00} on my XXXX XXXX. I reported the fraudulent charge and asked for that card to be cancelled and they could mail me a new one. Instead of receiving the new card, I got an email that said my " new '' card had been activated. I called XXXX and they admitted they had sent my " new '' card to the fraudster. They admitted that the fraudster had opened an online account and added their name, mailing address and email to my account. Note that I do NOT have online accounts with any of my credit cards. There were more issues and I finally had to shut down that latest card and I closed my account with them and I asked that they send me a statement showing my account should be at a XXXX balance. Instead, they never sent me any more statements in the mail like they had been for more than the last 20 years like I had been getting them. Also, they had not removed the {$100.00} from that card and they started racking up {$40.00} per month in late charges and they sent me to a debt collection company. On XX/XX/XXXX I had phone call conversations with both XXXX and the debt collection company ( Northstar Location Services ) and I was told they would make this an internal situation. I got a letter from Northstar yesterday that stated XXXX would reduce their claim of {$400.00} down to {$260.00}. At this point, I have to send Northstar a check for {$260.00} as I have no other recourse to continue to fight them. Even though XXXX had all the information to locate the fraudster and they were supposed to turn the fraudster 's information over to authorities and clear my account, they continued to harass me this past year and then send my account to debt collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
They have called 6 times today, 5 times yesterday, and the is a multiple occurrence every single day. And this over something that I don't even know what it is in regards to. And when trying to call them back, they don't even tell me what it is in regards to unless I give them information they should already have about me. They are also threatening in their voicemails saying they are going to take legal action against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/year>, I received my paycheck. I went out to eat that night and my transaction got declined. I continued using my card for the night. They emailed me about the transaction but I didnt see it until the next day. I called them they said they had to verify my identity through an old cell number. I stated to them I cant use the phone number anymore. So since they couldnt verify my identity through phone number, they had to send a letter in the mail. I came to acceptance with the fact that I have to wait on a letter to get my bank cleared from fraud. I check my bank account every day since the block and my pending total has been {$2600.00}. I checked my account on the XXXX and it said that I was missing {$2000.00} and the pending total was {$690.00}. I checked my account today the XXXX and the total was {$2.00} I called them yesterday to ask them why my money was missing and they said that they cant talk to me until I get the letter in the mail. I feel like thats very unfair to me as a consumer to the bank and I feel like I should be able to be helped but instead they keep tossing me off to the side and telling me to wait until I get a letter and I dont like that. I just want to at least find out why my money is missing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Exodus Movement, Inc.
State: CA

Complaint narrative:
The Staking Rates Have Been Lowered B y Third Party Services. The Initial Agreed Upon XXXX XXXX ( The Amount Shown When Staki ng My XXXX and XXXX tokens ) Has Lowered. This Is a General Complaint That Affects All Wallets That Offer Staking Services. This Particular Wallet Is Exodus. Yet I have seen this tactic used By Other Wallets Who employ The Same type of deception. The Specific Tokens are XXXX and XXXX. Exodus claims that they show that the XXXX can Change Yet that disclaimer was not clearly shown during the initial staking process. This tactic is seemingly always Deferred to the XXXX Third party Staking Service. Which I believe is the ultimate responsible party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TClub Inc
State: SC

Complaint narrative:
On XX/XX/year>, I sent {$1000.00} USD via Abound Remit to a recipient in XXXX ( Transaction ID : XXXX ). On XX/XX/year>, I sent an additional {$500.00} XXXX ( Transaction ID : XXXX ). The Abound XXXX app shows both transactions as Delivered to Recipient. However, I have not received official receipts for either transaction, and the recipient has not received the funds. My bank statements confirm that the amounts were successfully debited from my account. I have contacted Abound XXXX multiple times through email and the in-app support system, requesting receipts and confirmation of delivery. Despite these attempts, the company has not provided any response or resolution. I am requesting CFPB assistance to investigate these transactions, obtain confirmation from Abound ( https : //www.joinabound.com/send-money/ ), and ensure the recipient receives the funds or that the funds are returned to me. Transaction Details : {$1000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX, my credit card statement reflected an Annual Fee of {$99.00}, described as ANNUAL FEE XX/XX/XXXX THROUGH XX/XX/XXXX. This fee posted on XX/XX/XXXX. This account was transferred from XXXX to XXXX in late XXXX. At the time of transfer, no annual fee was disclosed. My first two XXXX statements closing XX/XX/XXXX and XX/XX/XXXX both show Total fees charged : {$0.00}. No annual fee applied during the first year following the transfer. At no point prior to XX/XX/XXXX did I receive advance written notice that an annual fee would be added to this account, nor was I given an opportunity to reject such a change. The sudden assessment of a {$99.00} annual fee over one year after account transfer, without documented advance notice, appears to constitute a change in account terms subject to the disclosure requirements of the Truth in Lending Act and Regulation Z, and constitute a violation of federal consumer protection requirements governing credit card billing and change-in-terms disclosures including advance written notice of significant changes in terms for open-end credit accounts. Because the annual fee appeared without prior disclosure, I mailed a formal written dispute to the company via certified mail. The letter was delivered on XX/XX/XXXX, as confirmed by XXXX tracking. In that letter, I disputed the {$99.00} annual fee as a billing error and requested written confirmation that the fee would be removed. As of the date of this complaint, I have not received a written response addressing the substance of the annual fee dispute or confirming removal of the charge.

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 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
n XXXX, a remaining balance of approximately {$500.00} on this account resulted from a fraudulent charge that I did not authorize. I notified the company that this charge was fraudulent and requested that it be investigated and removed. The company allowed the transaction to go through and later refused to properly dispute or reverse the charge. Because the fraudulent balance was not removed, the account became past due and was ultimately reported as 30, 60, and 90 days late between XXXX and XX/XX/XXXX, and then reported as a charge-off beginning in XX/XX/XXXX. The account now reflects a charged-off balance of approximately {$500.00}, which continues to be reported as past due as of XX/XX/XXXX. I disputed this account with Experian , explaining that the remaining balance was the result of fraud and should not have been reported as delinquent. Despite this, Experian concluded the dispute without correcting or removing the inaccurate information. The charge-off and derogatory payment history remain on my credit report. As a result, I believe the credit reporting agency failed to conduct a reasonable reinvestigation and is continuing to report inaccurate information that stems from a fraudulent charge the company refused to properly address. I am requesting that this account be fully reinvestigated and that the inaccurate charge-off and late payment history related to the fraudulent balance be removed from my credit file.

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 2026-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX Credit Card I have been a loyal and responsible cardholder with a perfect, on-time payment history. I fully intended to satisfy the original balance of {$940.00} before the promotional expiration on XX/XX/year>. However, on XX/XX/XXXX, XXXX days before my promotion was set to expireI was unexpectedly laid off from my job. Losing my livelihood just days before the deadline created an immediate and significant financial crisis. Despite this, I have reached out to XXXX in good faith to settle my core obligation. I have contacted the customer service department to explain my situation, but they have refused to provide any assistance or flexibility. By strictly adhering to a " 3-day grace period '' policy and refusing to acknowledge my layoff, the bank is imposing a massive financial penalty ( {$2000.00} ) that is more than double my original purchase price. This is an unreasonable burden to place on a customer with a perfect payment history who is currently navigating sudden unemployment. I am acting in good faith and am prepared to pay the original principal balance of {$940.00} in full immediately if the interest charges are waived so that this account can be settled and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XX/XX/XXXX to XX/XX/XXXX I have reached out to rocket mortgage to remove property taxes from my mortgage. I am 100 % XXXX XXXX XXXX in the state of florida. I provided them all the documents they need. I have spoken to over 30 agents in this period. No one has been able to help me or remove the taxes from my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
I am referencing CFPB complaint ID XXXX, which was marked as closed. However, the issue remains unresolved. Citi continues to maintain a fraud block on my account and instructs me to contact their Account Takeover ( ATO ) department at XXXX ( option 7 ), as stated in their written response. However, I am currently outside the United States and I am unable to complete calls to this number. The call does not go through from my location. I have informed Citi multiple times via email that I can not reach this number internationally. Citi has my telephone number and has previously called me directly, yet they continue to require that I initiate the call to the ATO department. This creates an impossible situation : my account remains restricted, and the only solution they provide is to call a U.S.-only toll-free number that I can not access. Despite my repeated written communications and Citis ability to contact me directly, they have not offered any alternative verification method ( such as international callback, secure message verification, email confirmation, or other reasonable identity verification procedures ). As a result, my account remains restricted and I continue to lack full access to my own funds. I am requesting : An immediate alternative method of identity verification that does not require calling a U.S.-only toll-free number. Immediate restoration of full account access. Written confirmation explaining the legal basis for maintaining this restriction for months despite my cooperation and repeated attempts to resolve the issue. The prior complaint should not have been closed while the underlying restriction remains unresolved.

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 2026-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Exeter Finance, LLC.
State: DC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I have fell into a hardship which I am currently living with a family member and because of this account it is hard for me to provide housing for my children.

Company response to consumer: Closed with explanation