vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was called by what looked like XXXX Bank on my cell phone. They said they where the fraud department and that I was getting money taken from my account via zelle transfers. I was told to log in to XXXX to make a reverse transfer and then given the information to transfer money that would be returned after sent to reverse charges that would put the money back in my account. This took place on XX/XX/XXXX in the afternoon while I was driving home from work. The amount that was taken was XXXX dollars. I realized this was a scam after the funds where transfered and imidiately reported it to my banks both XXXX and US bank. The US bank asked me for all the details such as phone numbers and amounts used, I provided all the information that I had and they said there would be an investigation that would take XXXX days. So I waited and then called back to check the status and they said the claim was denied.

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 2026-04-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: MI

Complaint narrative:
I was a x customer with XXXX and before I decided to leave i had to get my phone replaced with my insurance company and I ended up getting my replacement phone in the mail and returned it within a few days after getting it in the mail from the XXXX, I get a text messages from a debt collector saying that I owe XXXX XXXX dollars and knew something wasn't right so I called them and told them that I received a message saying I owe you guys money and they told me like 10 times that it was for a non return device and asked if there was anything else that I owe they said no so I called the phone insurance company and every time I called them they said they have the phone and they will let XXXX know and remove the non return from my account, every time I called it was the same thing they have the phone and we will take care of it, which is a lie, I get another text messages from the debt collector saying that I owe XXXX dollars again I call because it doesn't make sense same thing it's only for a non return equipment and after the 6 time of asking they say i owe XXXX dollars for a bill I didn't pay and I ask them why they didn't tell me when I called last year and they said it was because it wasn't a high enough, I ended up paying that just because I felt it was right but I don't think it's right for me to pay over a thousand dollars that I return within the time frame, they will sometimes claim that they have the phone and other times they receive a empty box, assurant is the insurance, they are trying to steal money from me, if i honest didn't return the phone within the time frame or decided to return a empty box then I would have no problem paying it but I return the phone as soon as I got it and they are XXXX percent lying, they claim they have notes and the phone calls are being recorded in don't believe them, XXXX is trying to steal from me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avant Holding Company, Inc.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Issue : Failure to process XXXX claim / lack of response / financial harm I am filing this complaint against XXXX XXXX regarding a severely delayed and mishandled XXXX claim. For several months, I have made repeated attempts to resolve this issue. I have left numerous voicemails and provided my information more than twenty times. Despite this, I have not received any meaningful response. I have also been transferred between multiple departments that do not answer, preventing any progress on my case. Due to this lack of action, my XXXX claim has now been denied because the required check was never sent. As a result, my lender is now requiring me to begin making payments, creating a financial burden that should not exist if this matter had been handled properly. This situation reflects a failure in communication, follow-through, and basic customer service responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, two unauthorized debit card transactions totaling {$1200.00} ( {$730.00} and {$510.00} ) were made on my account. Capital One initially flagged this activity as suspicious and sent a fraud alert. I responded to one of the alerts and declined the transaction. Despite this, the transactions were later processed. I filed a fraud claim and provided supporting documentation, including screenshots showing that the purchases do not appear in my XXXXXXXX XXXX account and a police report. I also confirmed that I did not receive or access any tickets. Capital One denied my claim, stating the transactions were authorized based on IP address, device, and billing information. However, their conclusion is based on inaccurate and incomplete information : The email address used for delivery ( XXXX ) does not belong to me and has never been associated with me or my XXXXXXXX XXXX account. The transactions do not appear in my XXXXXXXX XXXX account history. The IP address provided resolves to a XXXX network in a different region of California, while my internet provider is XXXX XXXX XXXX. No evidence was provided showing that I logged into Vivid Seats or completed the purchase. I requested a reinvestigation and supporting documentation proving authorization, but no such evidence has been provided. I am requesting a full reinvestigation and reimbursement of the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
On XX/XX/XXXX a transaction was made at Rooms to Go in the {$10000.00}. This transaction had over {$1300.00} in items that weren't approved. Items include {$320.00} sheets, mattress protector bundle {$500.00} and XXXX pillows {$270.00} each. The mattress protectors was presented as a XXXX layer bundle with a XXXX year warranty but never disclosed the option of a XXXX year and the layers shown were seperate protectors. The sales rep stated for the mattress {$8700.00} we had a XXXX day comfort period, which we could return it for any item in the store, but failed to disclose that the exchange had to be equal value or more, we can only upgrade. The rep also said we had a XXXX year warranty on the mattress, which is not true. Also a {$99.00} protection plan was added for the base which we didn't know aboutThis issue remains unresolved. I have been offered partial returns and store credit, which I declined because I am disputing the full transaction due to misrepresentation.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I told them I did not authorize a transaction. And they still have denied my dispute several times even though i've provided the information they've asked for and proof that i've asked for cancellation and they still won't give my money back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX see what ihave XXXX down and my pictures XXXX not hvaing a license on the 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 non-monetary relief
Consumer complaint received 2026-04-27 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.

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Rocket mortgage services my home loan. they did a faulty escrow analysis clearly estimating taxes 10 % XXXX high. It resulted in an exorbitant increase. i understand an increase in the payment due to refilling a shortage and the new tax estimate but the over stating of the tax exponentially over estimated the liability. When i called to inquire and and discuss i requested a redone escrow analysis with the correct info that i clearly laid out for rocket. they told me it would be done in XXXX weeks and they would reach out to me. it has been over 45 days and nothing was sent and the redone escrow analysis was not done or even formally requested on their end. They blatantly lied to me to run out the clock till the new larger escrow payment kicked in. their practice of clearly telling me XXXX thing to appease me not following through at all and just running out the clock on me feels fraudulent and predatory. they are using a 55 % estimate which is the first tax bill and doubling it resulting in a 110 % tax bill estimate ... this is clearly spelled out on the tax bill. every time i call rocket i am told i have to reexplain and restart the process of requesting an updated escrow analysis obviously a tactic to try to break me down and waist my time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Last week I paid my XXXXXXXX XXXX off in full ( XXXX ) for the sum of {$220.00} and I was never informed of the possibility that my payment may be held and not released for XXXX business days. This happened to me and occurs with an unknown other number of cardholders and is subjected to their internal XXXX XXXX XXXX XXXX XXXX XXXX While I have never been late or had a returned item Discover discriminates against myself and others while they give immediate credit to their other cardmembers. I find this to be a violation of the law and needs to be dealt with accordingly, up to and including a possible XXXX XXXX XXXX lawsuit for discrimination and failure to disclose that payments are subject to a random hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I requested a debt verification letter to verify the debt, they did not provide what was requested and just verified the debt as " valid ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
During the summer of XXXX, I recieved a call from Home Depot regarding an order to be picked up. I shop at Home Depot but had not placed an order. I visited my local Home Depot and learned that I had a business charge account and thousands of dollars in products had been charged to my name with an associated business signing for the items. I disputed the charges and asked Home Depot to close the account. I filed a police report and thought to pull my credit report. My credit report revealed various charge accounts that I did not open. I afdressed the issues to each account to no avail. I addressed the accounts to the credit bureaus to no avail. Now, I am filing a complaint to have those accounts renoved from my credit report. I have an Incident Report from the Police department. I have a FTC report verifying my ID theft claim.

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
I was scammed by someone who claimed they were with chime security and that no funds would be removed from my account telling me that there was fraudulent activity on my account and they asked me to confirm my last XXXX transactions then requesting a transfer claiming no funds would be removed and then they took the {$900.00} from my savings

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: VA

Complaint narrative:
I have received phone calls from XXXX at minimum once per day, often multiple times per day, since XX/XX/year>. I have answered a few times and told them I am not the person they are seeking. I have had this phone number for over 12 years and do not have any outstanding debts nor do I know the person they are seeking. My phone history does not show all of the calls but I do have at least XXXX calls on my history log

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year> I was made a purchase from temu using my XXXX debit card for the amount of {$45.00}. At this time I made another purchase for the same amount accidentally and immediately I cancelled the second order, however my account was never refunded for this order. Ive contacted both XXXX as well as filed a dispute with XXXX which was Denied. XXXX says the funds were returned to the payment source but I havent received any refund and its been 60 days of contacting XXXX and XXXX and not being made whole by either party.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NJ

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
I am filing this complaint against COLUMBIA DEBT RECOVERY LLC DBA GENESIS for failure to properly validate an alleged debt and for reporting unverified information. This company is reporting a collection account on my credit report ; however, I have not received any written validation notice as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The account appeared on my credit report on XX/XX/year>, yet I did not receive any communication from this company until XX/XX/year>, via text message. To date, I have not received any written validation notice. By reporting this account prior to providing the required validation notice, the company engaged in collection activity without first complying with its obligations under federal law. Reporting a debt to credit reporting agencies constitutes a form of collection activity, and doing so without first providing proper validation undermines my right to dispute the debt within the legally protected timeframe. Additionally, I have not been provided with any documentation to support the validity of this debt, including : * No signed contract or lease agreement * No itemized breakdown of the amount * No proof of assignment or authority to collect Specifically, I request a copy of any contract or agreement bearing my signature that establishes a direct contractual relationship with COLUMBIA DEBT RECOVERY LLC DBA GENESIS. To date, no such documentation has been provided demonstrating that I have entered into any direct agreement with this entity. Despite this, the account continues to be reported as accurate, which raises serious concerns about compliance with both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Furthermore, communications from this company have included inconsistencies in my personal information, specifically reporting the debtor as " XXXX XXXX, '' which is an incorrect and incomplete version of my legal name. This further calls into question the accuracy of their records and their compliance with the FCRAs requirement to ensure maximum possible accuracy. I am requesting that this company provide full validation of the alleged debt, including the documentation referenced above, or immediately cease collection activity and remove this account from all credit reporting agencies. Failure to properly validate and continued reporting of unverified information may constitute violations of federal law. I request that the CFPB require this company to comply with all applicable laws and correct or delete this account accordingly. Supporting documentation is attached, including screenshots of my credit report showing the reporting date, and text message communications demonstrating the first contact date and the use of an incorrect name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The card was opened in XXXX of XXXX at a previous address that I have not lived at in 2 years. Reported it as fraudulent to citi/XXXX . Reported it as fraud to all three credit report sites. I have never opened the card nor responsible for the balance

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 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair 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. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: FL

Complaint narrative:
The company is Self/lead its says its a secure line of credit. I am a victim of an identity theft I do not know what this company is and I did not apply for any type of loan with them. I disputed with credit bureau and called company.

Company response to consumer: Closed with explanation