vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. XXXX ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC XXXX XXXX XXXX XXXXXXXX XXXX XXXX ). XXXX ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
The continued damage to my credit report by false debt collection and refusing to remove after CFPB investigated 4 times in 6 years as these corrupt debt collection agencies continue to sell the fraudulent debt to ANOTHER COLLECTION AGENCY after fighting off the first corrupt debt collection agency, this repetitive damage continues. I will and have started a personal vendetta and hint for this agency for CONTINUING TO HARASS & DAMAGE my years of perfect credit rating. No MERCY will be shown since all attempts to fight legally and prevailing, has done NOTHING to undue the DAMAGE CAUSED BY the corrupt " Jefferson Capitol systems '' Collection Agency. Company 's Response Thank you for bringing this matter to our attention. Based on XXXX XXXX XXXX complaint we have identified a XXXX debt under their name, JCS Reference XXXX XXXX. To resolve this matter, we have terminated collection efforts. If reporting, we will request the credit bureaus to delete our tradeline. Please allow XXXX days for the credit bureaus to update their records. We appreciate the opportunity to respond. They have been warned!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received a promotional offer from Capital One Shopping stating that if I spent {$550.00} or more on a flight purchase, I would receive a {$400.00} bonus reward. I made a qualifying purchase on XX/XX/XXXX for {$650.00} through the offer. However, their system incorrectly tracked only {$180.00} and marked the purchase as ineligible. I have contacted Capital One Shopping multiple times and provided the invoice and offer details, but I have not received a resolution or proper response. I booked the flight specifically because of this promotional offer, and my purchase clearly meets the spending requirement. I am requesting that Capital One honor the promotion and credit the {$400.00} reward as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: MN

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. XXXX ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC XXXX XXXX XXXX XXXX ( 2009 ). XXXX ) A copy of any agreement signed with the debt procuring party. XXXX ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. XXXX ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/year>, I was the victim of a highly sophisticated bank impersonation scam involving caller-ID spoofing of Wells Fargos official customer service number. The impersonator already had full access to my personal and account information. During the call, they referenced XXXX legitimate transactions on XX/XX/XXXX a XXXX XXXX transfer for {$25.00} and a XXXX payment as well as a {$2000.00} deposit from my employer, demonstrating their knowledge of my legitimate financial activity. While we were speaking, the impersonator sent multiple official-looking emails appearing to be from Wells Fargo XXXX which I can provide screenshots of. The impersonator claimed there was fraud on my account, referenced five unauthorized {$1000.00} transactions via XXXX XXXX from an account in Georgia, and asserted that because of their relationship, they could recover the funds and return them to my account. Believing them to be a legitimate Wells Fargo representative, I initiated a {$10000.00} transfer via XXXX XXXX. I reported the transaction as fraudulent to Wells Fargo the same day it occurred and also filed an official police report documenting the incident. Despite clear evidence of fraud, including their knowledge of my transactions, the repeated emails, and the police report, Wells Fargo denied my claim on XX/XX/year>, again on XX/XX/year>, and for the final time on XX/XX/year>, without providing a reasonable explanation of its investigation. Their repeated denials violate their obligations under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., and Regulation E, 12 C.F.R. Part 1005, which require financial institutions to investigate and promptly resolve unauthorized electronic fund transfers. XXXX. Relevant Timeline of Events XX/XX/year> Legitimate Cash App transaction for {$25.00} and XXXX payment ; {$2000.00} employer deposit XX/XX/year> Received spoofed call from impersonator ; referenced the above transactions and claimed fraud on my account XX/XX/year> While speaking, received multiple official-looking emails from Wells Fargo ( screenshots available ) XX/XX/year> Impersonator described XXXX fraudulent {$1000.00} transactions via XXXX XXXX from a Georgia account and advised a transfer to recover funds XX/XX/year> Transferred {$10000.00} to XXXX XXXX XXXXXXXX instructed XX/XX/year> Reported fraudulent transfer to Wells Fargo XXXX XXXX reference # : [ if available ] ) XX/XX/year> Filed police report documenting the fraudulent transaction XX/XX/year> Wells Fargo denied the fraud claim XX/XX/year> Wells Fargo XXXX XXXX claim again upon escalation XX/XX/year> Wells Fargo denied the claim for the final time

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order to be valid. XXXX ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC XXXX XXXX XXXX XXXX ( 2009 ). XXXX ) A copy of any agreement signed with the debt procuring party. XXXX ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. XXXX ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent and must be dismissed with all pertinent credit reporting agencies immediately. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
Recently multiple collections were posted on my credit bureau from your agency. Your collections need the following criteria in order XXXX be valid. XXXX ) A signed assignment or XXXX XXXX XXXX XXXX legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC XXXX XXXX XXXX XXXX ( 2009 ). XXXX ) A copy of any agreement signed with the debt procuring party. XXXX ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary XXXX be a debt collector in my state of residency. XXXX ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collections are fraudulent XXXX must be dismissed with all pertinent credit reporting agencies immediately. XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Axela Technologies, Inc
State: CA

Complaint narrative:
I wrote them to formally address several concerns regarding the handling of my account and the threatened foreclosure. I was previously informed that the balance must be paid in full immediately to avoid imminent foreclosure. However, when I inquired about the specific filing date, I was told it would occur today or tomorrow, but that information was inaccurate and meant for an emotional reaction Furthermore, the collection agency has failed to respond to my settlement offer, despite stating that the HOA has authorized foreclosure proceedings. I am also still awaiting a detailed breakdown of the fees assessed to my account, as the current charges appear exorbitant. I am submitting tis complaint to formally address ongoing issues regarding balance owed, frudiciary property damage and the management of the XXXX XXXX XXXX. The HOA and its management company are in violation of the Davis-Stirling Act ( Civil Code sections 4000-6000 ) due to a failure in fiduciary responsibility. Specifically, there was a failure to notify homeowners 23 years ago of known grading and irrigation challenges within the community. Over the last 10 years, these undisclosed issues have caused significant interior water damage to my kitchen and primary bathroom, as well as recurring exterior flooding. Consequently, I have had to replace my front and backyard landscaping four to five times. Despite previously communicating the resulting health and financial hardships to the HOA Manager, I have continued to be assessed fines and penalties. During the executive board session on XX/XX/year>, the HOA President acknowledged that the board was aware of these grading challenges. Furthermore, I am concerned by the inconsistent application of HOA rules, as fines have been canceled for other homeowners while my requests for similar relief have been denied. I have repeatedly requested a formal breakdown of the balance especially the other charges and double charges listed on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one auto its been over XXXX years XXXX still reporting on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: Chime Financial Inc
State: IA

Complaint narrative:
I opened this account end of XX/XX/year>. I recently opened a chime checking account XXXX set up direct deposit XXXX receive the banking bonus offered of {$350.00} in increments. I set up my direct deposit believing I would qualify for the XXXX part of the bonus XXXX so on. In the offer summary, the terms XXXX conditions stated receive qualifying direct deposits of {$200.00} or more XXXX chime account. I reached out XXXX customer service XXXX verify. They told me that each deposit needs XXXX be {$200.00} or more. My XXXX deposits were {$190.00} each. This is not stated in the terms XXXX conditions. Its stated as monthly receiving {$200.00} or more in direct deposits XXXX get the {$100.00} the XXXX month XXXX so on. I have attached the offer letter along with my deposits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Alorica Inc.
State: GA

Complaint narrative:
I have submitted disputes to the company about continuing to re-age the loan that has been charged off. They are conducting illegal practice under the fair credit act. I have reported this to them twice. Once in 2025 and again XXXX of this year and their response was to start over again for XXXX. It was XXXX of XXXX now it's XX/XX/XXXX which is today 's date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of a dispute for {$200.00} paid to XXXX. I did authorize the purchase, but the merchandise was never delivered to me. The carrier marked the package as delivered ; however, the parcel left at my address was not addressed to me and contained unrelated items ( a broom ). The delivery photo clearly shows a small unlabeled box with no shipping label, recipient name, or address. This parcel could not physically contain my clothing order. Cash App denied my dispute under authorized transaction, even though I never claimed the payment was unauthorized. My claim is that I paid for goods that were never delivered to me. Tracking marked as delivered does not prove successful delivery to the correct recipient. The merchant has not provided proof that the parcel delivered was addressed to me. I am requesting that Cash App properly investigate this as a merchandise not received dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a fraud claim # XXXX in amount of XXXX for a company whatnot I never made these purchases. I never have dealt with this company, I never recieved goods or services and yet I keep getting denied my fraud claim. I have sent a letter more then 3 times reopening this claim stating I have never done business eith this company and nobody in my house has either. I want my money that was taken from my account back. And I want bank of america to stop denying me something I had not used with my money in there bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My husband responded to an email from XXXX XXXX ( Rocket Mortgage ) asking for payment. He emailed back them {$1400.00} which cleared our bank on XX/XX/year>. This pmt was never posted to our account. NOTE : very important to note - as of XX/XX/year> my Husband had a XXXX and is currently in a skilled nursing facility. * XX/XX/year> called XXXX XXXX XXXX XXXX in XXXX XXXX XXXX she said to email her a copy of our bank statement. Emailed attachment to XXXX. She said she would escalate our request to find our pmt. * XX/XX/year> called XXXX XXXX XXXX, he did not see our email. He stayed on the line with us as we emailed our attachment again. He confirmed he had it and yes he could read all XXXX pages of our bank statement as well as noted our pmt to them on XX/XX/year>. He said that was all they needed to post our pmt. He stated he would escalate. * XX/XX/year> called XXXX XXXX XXXX XXXX. He stated that the previous XXXX clerks never escalated our request to post our pmt. He assigned case # XXXX, attached our email & bank stmt and escalated it up. He said we should see our pmt by XX/XX/year>. * XX/XX/year> called XXXX XXXX, she said our request was denied due to lack of proof of pmt! * XX/XX/year> called and insisted on a supervisor XXXX XXXX XXXX XXXX XXXX He requested a XXXX conversation with our bank to verfiy the pmt. I explained that the pmt was off my husband 's bank card and I would need to go to the nursing home to help him get on the phone. XXXX called me back after I got to my husband. XXXX looked up the bank and he placed the call to the bank. My husband gave the bank permission to talk with XXXX on the phone. XXXX recorded the call to the bank whereas our pmt was confirmed paid to Mr Cooper, {$1400.00} cleared. It was an ACH pmt. XXXX said that was all he needed to post our pmt and he ended the call. * * * XXXX called back a few minutes later and said the recorded phone call to the bank was not enough. He asked that we call our bank and have them email him a copy of the transaction!! My " post stroke '' husband called our bank and was told that they do not " email '' due to it is not secure, they will have to send us a hard copy of the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX XXXX is involuntarily closing my accounts ( XXXX and XXXX ) under the pretext of " abusive claims. '' I believe this is direct retaliation for my requests for fee waivers and a transition to an overdraft-free " Secure Banking '' account. On XX/XX/XXXX, the bank refused to provide the " internal '' documentation used to support this label, which violates the transparency requirements of the XXXX Fair Banking Executive Order. Furthermore, the bank stated they intend to report me to XXXX XXXX XXXX XXXX XXXX XXXX. This closure is preventing the receipt of my upcoming Social Security benefits, creating immediate financial hardship. I have an open case with the XXXX Case pending number and am requesting that XXXX keep these accounts open until both the XXXX and CFPB have completed their reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: First Help Financial, LLC
State: GA

Complaint narrative:
I financed my vehicle through First Help Financial after purchasing it in South Carolina in XX/XX/XXXX. In XX/XX/XXXX, I transferred the vehicle registration to the State of Georgia. The XXXX XXXX Tag Office ( XXXX ) requested the original title from the lienholder so the vehicle title could be properly processed in Georgia. However, the title has still not been sent by First Help Financial. The Tag Office informed me that they requested the title a long time ago but have not received it. Because of this, I am currently unable to renew my vehicle registration and my tag has now expired. This prevents me from legally operating my vehicle and is causing significant inconvenience and financial loss. I have already contacted First Help Financial and provided the documents they requested, but they informed me the process could take up to six weeks. Since this issue has already been pending for a long time, I am requesting that the title be sent to the Georgia authorities immediately so that my registration can be completed.

Company response to consumer: Closed with explanation