vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In my previous complaint I asked for debt validation letter, complaint CFPB XXXX. Company did not provided me any information and responded with a letter where they mention a complaint number not on my records they mentioned a complaint number XXXX which does not exist. Furthermore Discover has been running away from their duties under 15 U.S.C. 1681s-2 ( b ) where they have to validate and correctly report the debt. Further more final account statement balance is XXXX how come its a charge off. Response from discover is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM ASSET is falsely reporting on my credit. I have never had any accounts with them. Per my research SEQUIUM ASSET 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 non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: LA

Complaint narrative:
I was a cash app account member for many years. All of a sudden in 2023 .. XXXX been going back and forth with them since. When the class action lawsuit came I couldn't access my account for 2 months. I had over XXXX charges ranging from XXXX to XXXX. All coming from XXXX places. I contacted cash app as they did a investigation and gave me a few refunds. Then I started being denied I asked why and who are these companies using my debit card. They gave me no information. I then asked to speak to management they told me same thing regardless who I spoke to. Telling me they can not answer my questions but just that I violated the rules and policies. I asked which one they tell me they don't know. Next I know my accounts been closed. I have recently found out sometime later I am a victim of identity theft. As I have already filed reports and also police reports. All this totaling well over {$700.00}. And with closing of my accounts im still trying to get a better understanding to what happend. What's even strange about the whole situation I was even refunded like {$20.00}. After denying most my claims and after my account was closed. All the conversation is in messages with myself and cash app team where I filed a complaint online with them prior

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX filed for written possession on XX/XX/XXXX for the month of XXXX and XXXX the balance was {$2900.00}. The sheriffs department deliver the eviction notice a few days before the coordinate we had to call the office to find out what the court date was because we had not received our eviction notice. The scheduled court date was on XX/XX/XXXX once we arrive to court our name was on the docket, but the judge didnt see any record of why we were there .. Ill check at the sheriffs office. They had no record of why we was in court that day. And so because there was no record of why we were in court they had to continue the court date which we did not want to do, but we had no choice upon continuing the court date. Thats where the extra month was added. I was overlooking the final statement bill from the apartment complex and I noticed these charges of {$290.00} for eviction legal recovery- XXXX XXXX XXXX XXXX legal recovery -howell rule settlement damage and {$130.00} eviction legal recovery- howell rule 408 writ settlement damage I also noticed that I was charged for water utility and trash dating back to XXXX. Im not sure why I was charged for XXXX XXXX XXXX when the eviction process was for XXXX and XXXX. These charges should not exist on this settlement bill. I was charged {$110.00} for damages, if there were damages, why wasnt the damages taken from the security deposit? The damages were not taken from the security deposit, and they returned the security deposit to make it seem as if they were giving me a discount. Ive tried numerous times to dispute this matter but they wont budge and its unfair to keep seeing information accurate when Ive provided proof of inaccuracy. All they want is the money and arent willing to consider helping. Its their way or no way Im trying to take care of this matter but they wont provide letters for positive payments or anything of that sort. Ive sent documents about the extra charges and for some reason TransUnion will not remove the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: VA

Complaint narrative:
My personal Cash App account was closed in XXXX XXXX due to an automated flag triggered by a temporary spike in peer-to-peer transfers and simultaneous multi-device access. I am requesting a formal manual review by a compliance specialist to clear this misunderstanding. Throughout XXXX, my family was collectively managing the care and financial support of an underage minor child whose father is incarcerated. Because the child is a dependent minor and the immediate caregivers lacked stable accounts, I acted as the primary financial custodian. Relatives and mutual support connections sent peer-to-peer contributions to my account to fund the minor 's daily care, food, and communication utilities ( such as XXXX XXXX XXXX ). Because this was a coordinated family effort, multiple family members accessed the account to manage these immediate needs. As the primary account holder, I remained actively logged into the account on my primary device to monitor all activity and ensure security. Cash App 's automated system flagged the overlapping device logins and transfer velocity as a policy violation. However, my attached statements show a clear pattern of personal child care expenses ( such as XXXX XXXX XXXX and local family merchants ) and verified correctional utilities. This was a transparent, real-time family care network managed by me. As a verified user and a veteran, I request a manual compliance override to restore my personal account and device functionality.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO 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 non-monetary relief
Consumer complaint received 2026-06-09 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: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am disputing and seeking an amount of {$200.00} credited back to me that was stolen from me through Chime. I have already contacted Chime multiple times and opened a dispute with them but they have denied my claim. The recipient of the {$200.00} used a stolen identity to deceive me as part of a promised exchange for tickets which were nonexistent ( fake/AI generated ). Whomever was behind this fraudulent activity sent photos of an innocent person 's drivers license/ID as well as photos of the person and impersonated them, so I believed that this was the real person whom I was in communications with regarding this exchange. Once this fraudulent account received the money they blocked me and no further communications occurred. I had no way to request the money back or contact this person. I can provide multiple pieces of evidence regarding this fraud and deception. I have since been in contact with the innocent person whose identity has been stolen and impersonated and they are unaware that this has happened and they have also filed an identity theft report as well as a police report. I explained to Chime that I did not authorize a payment to whomever this fraudulent person was but rather was deceived to believe I was in communications with someone whom I could trust. I am seeking a return of this {$200.00} on this basis of deception and un-authorization of payment to this fraudulent identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: AZ

Complaint narrative:
The Following is my response to paragraph XXXX of the US Bank letter to me dated XX/XX/year>. XXXX. Please provide a detailed description of what was ordered/ purchased. I ordered a full XXXX year supply of Semaglutide XXXX for an order price of {$1100.00}. See paragraphs a. through d. below for details of what XXXX did with this order. a. XXXX, the XXXX XXXX application lead me to believe I could sign up for a future delivery date i.e., XX/XX/XXXX instead of XX/XX/XXXX because I already had XXXX drugs for XXXX, XXXX from another source. This was misleading and not true. This is important because the product shipped has a shelf life of XXXX days which makes the XXXX month useless because it exceeds the XXXX days shelf-life. The website was definitely false and misleading. b. XXXX, the XXXX website stated that compounded Semaglutide must be distributed in XXXX day amounts because of state laws in all XXXX states which I found to be totally untrue which was again false and misleading. XXXX XXXX, the website mislead me to believe that XXXX was the compounder of Semaglutide XXXX, when, in fact, XXXX is not the compounder of this drug. See warning letter to XXXX from the XXXX issuing XXXX XXXX for XXXX XXXX and XXXX ( CDER ) of the XXXX XXXX XXXXXXXX and XXXX XXXX ( XXXX ) letter dated XXXX XXXXXXXX XX/XX/year> ( letter attached ). d. Lastly, the previous XXXX Warning Letter contains many other warnings about false and misleading statements by XXXX. See warning letter referenced in paragraph c. above. At best, XXXX is guilty of false and misleading statements, if not legally fraudulent! I have demanded a full refund of the transaction amount for a full year of XXXX XXXX and XXXX has not complied with my refund demand. XXXX on XX/XX/year> did refund to me {$590.00} of the original {$1100.00} leaving a balance owned to me of {$600.00}. The partial refund was unsolicited and is not adequate to satisfy my claim against XXXX for a full refund. I can not do business with the XXXX company because of its misleading, false and fraudulent business practices and I am entitled to a full refund of the order price stated above. I entered a dispute in this transaction which US Bank gave me a XXXX credit of {$600.00} on XX/XX/year> and reversed the provisional credit on XX/XX/year> and closed the dispute. I believe US Bank should honor the dispute and give me a permanent credit for {$600.00}. If US Bank has any additional questions, please contact me at XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-06-09 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Please refer to case # XXXX and re-open. American Express has been completely unresponsive. I feel cheated and defrauded as a consumer. This treatment should not be allowed and is likely violating consumer protection laws. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have sent American Express Credit Bureau XXXX XXXX certified letters since XXXX XXXX, 2026, requesting full debt validation under 15 U.S.C. 1692g. Amex has responded with repeated stall letters requesting identifying information already provided, and confirmed account details, but has never produced : ( 1 ) a copy of the original signed credit agreement, ( 2 ) complete account transaction history, or ( 3 ) a full itemized balance breakdown. The account remains marked 'in dispute ' but Amex continues to report it to credit bureaus without providing valid validation. Account Identifier : XXXX. Account ending in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX collection of an alleged debt originally associated with a Milestone account issued by XXXX XXXX XXXX XXXX. Prior to XXXX involvement, I sent a written dispute and request for verification to the original creditor/servicer, Concora Credit , Inc . The dispute was sent by registered mail and requested documentation supporting the alleged obligation. I also provided notice of my legal name change and updated mailing information. Despite my dispute, the account was subsequently transferred or placed with XXXX XXXX XXXX. On XX/XX/year>, XXXX sent a Pre-Legal Notification stating that attorney review could be the next step. On XX/XX/year>, XXXX sent an Attorney Review Pending letter claiming ownership of the account and stating that the account could be referred to an attorney in Michigan if payment was not received. Also on XX/XX/year>, I mailed XXXX XXXX XXXX a written cease-and-desist and dispute notice by certified mail. In that correspondence, I disputed the alleged obligation, requested that collection communications cease, and instructed XXXX to limit any further communications to written confirmation that collection activity had ceased or notice of actual legal action being taken. XXXX received my correspondence, as evidenced by the signed certified mail return receipt. Despite receiving my written notice, collection activity and communications continued. I am requesting that XXXX provide : 1. Documentation demonstrating the basis for the alleged debt. 2. Documentation showing Midlands ownership of, or authority to collect, the account. 3. Documentation showing what investigation or verification was performed after my dispute. 4. An explanation of why collection efforts continued after XXXX received my written cease-and-desist and dispute notice. 5. A review of whether XXXX collection activities complied with applicable federal consumer protection laws. Attached are copies of my dispute correspondence, mailing receipts, delivery confirmations, and XXXX collection letters supporting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-06-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: AZ

Complaint narrative:
I am filing this complaint regarding the unacceptable handling of funds on my Netspend card account. Netspend has placed a flag on my card and is currently holding {$100.00} that rightfully belongs to me. Despite the fact that this is my card and my account, I have been unable to access my funds or receive a satisfactory explanation for the delay.

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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC Account number XXXX This account randomly popped up on my credit report ; have no idea where it came from asked them for proof of ownership the didnt give it to me.

Company response to consumer: Closed with non-monetary relief