vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Bureau of the Hudson Valley, Inc.
State: AZ

Complaint narrative:
I never had an account with XXXX XXXX in my life! This account was opened XXXX years after a moved out of said house. This collection company is just a subdivision of the utility. They know XXXX well there is XXXX evidence i opened this account, but they plat XXXX games. They say we'll we have to go by the information provided by our client. They no thats a lie. They still have provided me with XXXX evidence this account was opened by me!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase is currently violating the New York Exempt Income Protection Act ( EIPA ) regarding a legal restraint on my checking account. Under XXXX XXXX, a mandatory {$4000.00} floor must remain accessible. Chase has illegally swept my wages and reduced my available balance to approximately {$1800.00}. Furthermore, the Chase XXXX department ( XXXX ) has confirmed receipt of a formal XXXX XXXX from the judgment creditor 's attorney, but refuses to process it, holding my protected wages XXXX in an indefinite 'processing ' queue. Branch managers refuse to escalate to compliance. I need my illegally restrained funds released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bilt Technologies, Inc.
State: CA

Complaint narrative:
I am filing this complaint against XXXX ( Bilt ) for failing to conduct a proper and fair investigation into documented merchant fraud under the Fair Credit Billing Act ( FCBA ), and for completely ignoring my formal rebuttal and requests for documentation sent on XX/XX/year>. On XX/XX/year>, I attempted to purchase tickets for an event at the XXXX and was misled into a {$690.00} transaction by XXXX XXXX XXXX ( XXXX ), a secondary resale platform that used predatory design tactics to masquerade as the official venue box office. Crucially, during the transaction 's verification process, the merchant sent an SMS message requesting authorization. I explicitly replied with " NO '' via SMS to reject the transaction and demand cancellation. The merchant willfully ignored my explicit rejection and forced the transaction through against my will. XXXX initially denied my dispute. On XX/XX/year>, I sent a formal rebuttal and exercised my consumer rights under the FCBA to formally request copies of the evidence and documentation the merchant provided. I also provided clear evidence that in a formal XXXX complaint response ( Case # XXXX ), the merchant admitted they recognized my attempts to cancel, yet they provided false information to the bank claiming I completed verification. As of XX/XX/year>, XXXX has failed to provide any acknowledgment, response, or the legally requested evidence documents for nearly three weeks. They are administrative negligent, ignoring critical consumer fraud evidence while denying my legal rights. I am seeking a full reversal of the unauthorized {$690.00} charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-21 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: Experian Information Solutions Inc.
State: MI

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 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 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In XX/XX/year>, my personal XXXX XXXX XXXX wireless lines were migrated to an XXXX XXXX XXXX Business account at the direction of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In a written email dated XX/XX/year>, XXXX confirmed the lines were transferred and stated she had attempted to contact the retail representative to cancel the old residential account but had not been able to reach him. The old residential account was never cancelled. XXXX XXXX XXXX continued billing the residential account for the same lines already active on the business account. I was being charged simultaneously on both accounts for identical phone lines. I spent over 40 hours attempting to resolve this with XXXX XXXX XXXX. I continue to be an active XXXX XXXX XXXX business customer in good standing paying for these same lines to this day. Credence Resource Management is now collecting {$1400.00} on this account and reporting it to all three credit bureaus, damaging my credit. I disputed the debt with Credence and provided billing documentation proving the double billing. Credence investigated with XXXX XXXX XXXX and confirmed the charges as valid without addressing the double billing issue or the written admission by XXXX XXXX XXXX 's own employee that the residential account was never properly cancelled. Credence is attempting to collect a debt that exists solely due to XXXX XXXX XXXX 's internal failure. I am requesting that Credence immediately delete this collection account from all three credit bureaus and cease all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
Complaint Inaccurate Credit Reporting / Wise Loan Account To Whom It May Concern, I am submitting a formal complaint regarding inaccurate and unresolved reporting of a Wise Loan account that continues to appear on my credit report. I have made several attempts to resolve this account directly with Wise Loan. Each time I contacted them, I was informed that the account had been sold or transferred, but I was not provided clear or consistent information regarding who currently owns the debt or where payment should be made. Wise Loan advised that the account was sold to XXXX XXXX XXXX, but I was never contacted by that company and was never provided sufficient information to settle the account. Later, another company, XXXX XXXX XXXX, contacted me regarding the same debt. When I attempted to clarify ownership of the account, neither company was able to provide clear information regarding the transfer history or who had proper authority over the account. Despite this, Wise Loan continues to report the account under its name on my credit file. The account appears outdated, unresolved, and confusing, which has negatively impacted my credit report. The last reporting activity appears to have been in 2024, yet the information remains incomplete and misleading. I also disputed this matter with XXXX because the reporting appears inaccurate and inconsistent. However, the dispute was marked as accurate without resolving the concerns regarding ownership, duplicate collection activity, and outdated reporting. This situation has created confusion and unfairly affected my financial standing. I respectfully request the following : 1. Conduct a full review of this Wise Loan account and its reporting history. 2. Verify the correct current owner of the account. 3. Remove any inaccurate, outdated, duplicate, or misleading reporting connected to this debt. 4. Delete the Wise Loan tradeline if it is no longer valid, active, or properly maintained. 5. Ensure my credit report reflects only complete and accurate information. I have made repeated good-faith efforts to resolve this matter, but I continue to receive conflicting information while this account remains negatively affecting my credit profile. I am requesting assistance to ensure this issue is fairly reviewed and corrected. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent complaint filed against me by American Express Legal, acting on behalf of American Express XXXX XXXX, claiming I owe {$4600.00} or some other amount. I deny all allegations. I have never opened, authorized, or incurred any debt with American Express XXXX XXXX. I am not the debtor, and the alleged account and debt are entirely fraudulent, created and/or reported using my personal information without my knowledge or consent, constituting identity theft. This fraudulent claim has caused me significant stress, anxiety, and harm to my reputation. Legal action was pursued against me without verification or due process. I was not properly notified, given the opportunity to dispute the alleged debt, or provided any form of due process before the complaint was filed. These actions violate my constitutional and statutory rights. The actions of American Express Legal also violate federal consumer protection laws. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to have only accurate and verified information reported. Pursuing a claim against me without verification violates 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( reinvestigation ), and 1681b ( 2 ) ( permissible purpose ). Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., attempting to collect a debt I do not owe constitutes harassment, false representation, and unfair practices under 1692e and 1692f. I request that the CFPB investigate this matter, hold American Express Legal and American Express XXXX XXXX accountable for willful or negligent noncompliance, and ensure that my rights as a consumer and identity theft victim are protected. I also request that any complaint or legal claim filed against me based on this fraudulent debt be dismissed or vacated, and that American Express provide verifiable proof of the alleged debt, including original signed contracts and authorizations linking me to the account. This situation has caused emotional distress, financial anxiety, and reputational harm. I urge the CFPB to take action to prevent further misuse of my personal information, enforce compliance with FCRA and FDCPA, and provide relief for victims of identity theft. I declare that all statements in this complaint are true and correct to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
This is the XXXX time I'm dealing with XXXX XXXX. My info was compromised ( I'm assuming from EVERY time these XXXX XXXX XXXX XXXX get HACKED ). I've spoken to XXXX on numerous occasions. They've even agreed this debt is/was " NOT '' mine & " YET '', they placate me saying no worries we're taking it off. It'll be gone for a couple of months then it re-emerges with a new creditor. I can't get a loan or anything because XXXX XXXX XXXX XXXX XXXX XXXX XXXX too lazy to work, or they don't care whom they keep putting out as long as they get paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Avant Holding Company, Inc.
State: FL

Complaint narrative:
I am filing this complaint becausXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect and furnish a collection balance that has not been properly verified, itemized, or updated after a confirmed payment was made. On XX/XX/year>, I sent a written dispute and demand for correction/deletion regarding the XXXX XXXX XXXX XXXX XXXX. I responded directly to the collection communication I received from XXXX, so the company had notice of the dispute. My dispute explained that the tradeline was materially inaccurate and misleading because the reporting did not clearly and accurately reflect the original creditor, current owner, payment application, balance calculation, and account status. I also provided documentation showing that a payment of {$550.00} had cleared toward resolution of this account. XXXX own collection communication identified the original creditor as XXXX, current owner as XXXX XXXX XXXX XXXX and current balance as {$1000.00}. The same communication offered to resolve the account with a one-time payment of {$970.00} and included a debt collector disclosure stating it was an attempt to collect a debt. Avant responded separately on XX/XX/year> and confirmed that a {$550.00} mobile payment was made on XX/XX/year> using XXXX. Avant also confirmed the account was sold to XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/year> and stated that the payment would be forwarded to the respective debt buyer. Avant further stated that it submitted a request to delete its own tradeline from my credit report and directed all remaining reporting issues to XXXXXXXX XXXX XXXX Despite my written dispute and supporting documentation, XXXX XXXXas not provided a substantive response, has not confirmed correction or deletion, has not provided a complete itemization showing how the {$550.00} payment was applied, and has not explained the creditor-chain/reporting discrepancy. The continued reporting and collection activity is materially misleading and harmful. Because XXXX XXXXs a debt buyer furnishing collection reporting, and because the account has been reported with unresolved inaccuracies despite notice and supporting documentation, correction alone is not an adequate remedy. The appropriate resolution is complete deletion of the XXXX XXXX XXXX from all consumer reporting agencies. I am requesting that XXXX immediately delete the tradeline from all consumer reporting agencies and provide written confirmation of deletion. In the alternative, if the company refuses deletion, I request that it provide a complete written investigation response, full account itemization, chain-of-title documentation, proof of how the {$550.00} payment was applied, and the exact basis for continuing to furnish the account as accurate and complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: VA

Complaint narrative:
This company sends frequent emails weekly. So much so that it has become difficult to access important emails with the amount of flooded emails from a company called Halstead Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: TX

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 XXXXXXXX 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 2026-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kramer & Frank, P.C.
State: MO

Complaint narrative:
Numerous times in the past have, I advised Kramer and Frank to not contact me by any method for any reason whether its this issue or another one however they continue to do so. I am now requesting once again that they stop contacting me for any issue whether it be this one or another issue. They are not to direct third parties to contact me. I have medical problems and I live on permanent Social Security XXXX and also have a {$700000.00} lien against me so these unnecessary contacts are very stressful. I will not pay a debt collector any sum of money under any circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Me and my wife have separate chase saphire preferred credit card account I called chase customer service to help combine her points to my account to make it easier for us to use it XXXX checked with the representative that I talked to at least XXXX times that my wife 's point will not lose valuation which is currently worth XXXX per XXXX point. He swore to me the whole time it will not affect it so I went ahead and transferred the points and when I checked it XXXX weeks after it did lose the value of the XXXX points that I transferred last XX/XX/XXXX. I called chase again it was confirmed to me by the rep that we lose XXXX worth of points of the wrong information that was given to me XXXX was given an incident report # XXXX .And was promised it will get resolved and they will listen to the recording of my call. I called them back again XX/XX/XXXX and I was told by a supervisor there's nothing they can do so basically I have to suffer the consequences of them having a rep that's not properly train or lied to me and Chase won't take responsibility for their mistakes. I am hoping Chase will rectify this problem and give us the points that we worked har to earn or some kind of compensation to fix the problem instead of just brushing it off and saying we will talk to the rep who made a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Washington Trust Bank Financial Corporation
State: WA

Complaint narrative:
I have never worked with Washington Trust Bank and I hope I never have to. This has been the worst experience I have ever had with a bank, in my near 10 years of being a licensed real estate broker, 5 years as a managing broker. XXXX XXXX approved my clients with VA financing to purchase a XXXX XXXX home. My clients went under contract on their home in XXXX XXXX on XX/XX/year>. On XX/XX/year>, XXXX XXXX called my client and told her they are not approved for VA financing and they would have to purchase with an FHA loan. He further shared there would be approximately {$4000.00} due from my clients at closing. He asked my client to let me know this information, instead of being a professional and letting me know of the issue he caused. I called the Washington Trust Bank Customer Service phone number and received a call from XXXX XXXX ' supervisor, XXXX XXXX. XXXX acknowledged this significant issue and said that Washington Trust Bank would take responsibility by paying the amount, due to the error of their loan officer XXXX XXXX. Further, XXXX XXXX said that XXXX XXXX would be taking over their file. Since that day, Washington Trust Bank has done absolutely everything to complicate the issue, including needing a letter of explanation for the home being located in XXXX XXXX, XXXX XXXX, while my clients work in XXXX XXXX. Washington Trust Bank issued the pre-approval letter knowing where the home was located, then had an issue with the home 's location. The file was transferred to XXXX XXXX, who XXXX XXXX stated also was learning FHA loans. It is clear this is a failure of Washington Trust Bank to supervise the loan officers, who lack adequate training to oversee loans. XXXX XXXX stated XXXX XXXX came from the XXXX organization, which only approved Conventional financing. Washington Trust Bank further would not provide my clients with any indication if their loan was approved. It was very stressful for them and they had no choice to transfer their loan from Washington Trust. Once my clients made the decision to transfer their file to XXXX XXXX Mortgage, Washington Trust Bank required a check be mailed to a PO Box , which caused further unnecessary delay in closing on their home. XXXX XXXX with Washington Trust Bank questioned why my clients chose to transfer the file, despite the ongoing issues and non-stop challenges with Washington Trust Bank.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 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: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells fargo failed to help me after I disputed transactions from a social casino site .that made XXXX dollars in transactions 80 % of those transactions we unauthorized..

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 2026-05-21 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Hunt & Henriques
State: CA

Complaint narrative:
I am filing a complaint regarding inaccurate debt balance reporting and collection activity involving related to an account originally associated with. At the time Hunt & Henriques contacted me, I already had an active payment arrangement through a third-party credit counseling agency XXXX XXXX XXXX XXXX XXXX I provided documentation confirming the payment plan, payment history, and amounts already paid toward the account balance. Despite providing this information multiple times and following up by email, the balance Hunt & Henriques claimed I owed appeared materially higher than the actual remaining balance after credited payments through the counseling program. Hunt & Henriques acknowledged receipt of my information and confirmed the debt, but has not provided adequate clarification, updated validation, or an accurate accounting of the balance despite repeated requests. I am concerned the balance being pursued may be inaccurate or may fail to properly account for payments already made. I am requesting a full investigation and written validation of the debt, including : a complete accounting of the balance claimed, all payments credited to the account, any added interest, fees, or adjustments, and confirmation that collection activity complies with the Fair Debt Collection Practices Act ( FDCPA ) and applicable California consumer protection laws. I am seeking correction of any inaccurate balance information and assurance that no improper collection or legal action proceeds based on inaccurate accounting

Company response to consumer: Closed with explanation