vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 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: MS

Complaint narrative:
This is my second formal attempt regarding identity theft and security fraud reporting on my consumer reports with midland credit management for account # XXXX. I am not requesting a reinvestigation under FCRA 611. I am demanding an immediate block and deletion under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), which requires the credit reporting agencies to block fraudulent information resulting from identity theft within 4 business days after receiving proper identity theft documentation. I have already notified the bureaus that these accounts, and related information are the result of identity theft and security fraud. Instead of complying with the law and blocking the fraudulent information, they are improperly attempting to reinvestigate the accounts, which is not the remedy required under Section 605B. This is a violation of federal law. Section 605B requires blocking and deletionnot verification, not reinvestigation, and not delay. Their continued reporting of fraudulent information is causing ongoing harm to my credit profile, financial standing, and ability to obtain fair access to credit. I demand immediate : Block and deletion of all fraudulent accounts, and associated personal information related to identity theft Written confirmation of the block and deletion The method used to continue reporting this fraudulent information The name of any furnisher claiming verification despite the identity theft claim Failure to comply will be considered willful noncompliance with the FDCPA and continued reporting of identity theft information after notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket Mortgage closed my RESPA escrow dispute case # XXXX under the false premise that no tax exemptions exist for my property. I am providing two official certified public records from the XXXX XXXX XXXX XXXX ( XXXX ) confirming my XXXX XXXX ' status is active. Rocket Mortgage refuses to perform a corrected escrow analysis based on these current official county records, holds my full monthly payment of {$3100.00} in unapplied funds, and demands an unjustified shortage of {$2400.00} under threat of credit delinquency reporting. I request federal intervention to compel the servicer to correct my escrow accounts and apply my funds properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
WITHOUT PREJUDICE. Resurgent Capital Services L.P., collecting on behalf of LVNV Funding LLC, responded to a timely 15 U.S.C. 1692g debt validation demand with a bare account summary dated XXXX Reference ID XXXX, XXXX XXXX XXXX. account * XXXX, {$1300.00}, acquired XXXX This response does not constitute adequate validation under the FDCPA. No original agreement was provided. No complete payment history was provided. No documentation of chain of ownership from XXXX XXXX XXXX. to LVNV Funding LLC was provided. No itemization of interest, fees, or charges was provided. Under XXXX XXXX XXXX, a bare account summary is insufficient validation. Collection activity on an inadequately validated debt violates 15 U.S.C. 1692g. I am notifying this agency preemptively that any attempt by Resurgent or LVNV to furnish this account to any credit bureau will constitute an additional violation of 15 U.S.C. 1681s-2 ( b ) and will be addressed through all available legal channels. A cease communication demand has been sent via certified mail pursuant to 15 U.S.C. 1692c ( c ). I am a XXXX XXXX veteran, honorable discharge, 90 % XXXX XXXX XXXX XXXX. VA XXXX compensation under 38 U.S.C. 5301 is my sole income. My identity is VA-verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
b'Complaint against American Express regarding misapplied and missing payments:\nI am filing this complaint regarding American Expresss inadequate response (Ref. XXXX, dated XXXX XXXX XXXX), which I am attaching as supporting evidence.\nAmerican Express claims that two payments, totaling USD XXXX (USD XXXX on XXXX XXXX XXXX, and USD XXXX on XXXX XXXX XXXX), were processed through XXXX XXXX XXXX XXXX XXXX XXXX and credited to an account belonging to a third party identified as XXXX XXXX XXXX.\nI formally dispute this explanation for the following reasons:\nThese payments originated from my investment account at XXXX XXXX (Account No. QXR212549), intended exclusively to pay my American Express credit card number XXXX XXXX.\nI have clear evidence that XXXX successfully processed other payments to this same American Express account, which were correctly reflected in my credit card statements. Therefore, there is an established payment relationship and correct routing information.\nThe two disputed payments, however, were debited from my XXXX account but never reflected in any of my American Express statements or transaction records for the entire year XXXX, which I am also attaching.\nAmerican Expresss assertion that the funds were credited to a third party is unacceptable without providing:\n- Full trace details of the transactions.\n- Evidence of authorization.\n- Explanation of how funds intended for my account were redirected.\nI did not authorize any payment to any third party, including the individual named.\nAdditionally, American Express acknowledged a remaining balance of USD XXXX in my favor but has failed to clarify how or where this amount will be refunded.\nResolution requested:\nImmediate reversal of USD XXXX corresponding to the two misapplied payments\nRefund of USD XXXX acknowledged by American Express\nTotal amount to be credited: USD XXXX\nFunds should be returned to my originating account at XXXX XXXX using the following instructions:\nFinal Beneficiary: XXXX XXXX\nAccount Number: XXXXnBank: XXXX XXXX XXXX XXXX XXXX XXXX\nAddress: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nFurther Credit to: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express is unable to process the return through this channel, they must provide a clear, secure, and documented alternative mechanism.\nI am attaching:\nAmerican Express response dated XXXX XXXX XXXX.\nProof of debits from XXXX XXXX (XXXX XXXX and XXXX XXXX XXXX).\nAmerican Express statements for XXXX showing absence of these payments.\nThis situation reflects a serious failure in payment processing, allocation, and customer protection controls.\nI request immediate investigation and resolution'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX XXXX XXXX, I received a message from the social media app, XXXX, saying that my XXXX account, XXXX was reported and of risk of supposed deletion. In order to regain my XXXX account, I had to contact help desk agent XXXX XXXX, who shared his XXXX information. Fearing the deletion of my XXXX account, I spoke with XXXX XXXX on XXXX. While speaking with him, I was threatened with jail time if I refused to comply with his demands, which involved sharing my bank information. He even shared a fake resume and cover letter with me to further convince me that he was a professional. It turned out that XXXX XXXX posed as a XXXX help desk agent and he took advantage of my fear to gain information from me. Then my bank contacted me at XXXX : XXXX XXXX., which was the same time the scam took place. I reported this incident at XXXXXXXX XXXX with the bank, Chase. The bank promised me that there would be an investigation and a claim made for my situation. However, on XXXX XXXX XXXX XXXX XXXX XXXX, I was sent a letter that said my claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC
State: FL

Complaint narrative:
This complaint is filed for explicit violations of Regulation X of the Real Estate Settlement Procedures Act ( RESPA ), specifically 12 CFR 1024.41 ( Dual Tracking Prohibitions ) and 12 CFR 1024.35 ( Error Resolution Procedures ). 1. Underlying Servicing Violations & Illegal Dual Tracking The mortgage was transferred to the servicer at the beginning of XXXX. Payment assistance was immediately sought, and a signed XXXX form was requested from the company to secure third-party aid. The company systematically withheld this document for over four months, finally providing it in late XX/XX/XXXX only after a formal Better Business Bureau complaint was filed. On XX/XX/XXXX, two months of mortgage payments were submitted and accepted. On XX/XX/XXXX, the company 's automated online system generated and delivered an official email confirmation stating that a mortgage assistance/loss mitigation case had been opened. Despite this active loss mitigation case, the company referred the account to foreclosure just three days later, on XX/XX/XXXX, and subsequently rejected two valid mortgage payments submitted later that month. On XX/XX/XXXX, the company issued a payoff quote improperly assessing {$2000.00} in foreclosure-related attorney fees and costs, followed by an additional {$540.00} fee on XX/XX/XXXX. In a written response dated XX/XX/XXXX, the company admitted that its system sent the XX/XX/XXXX assistance case confirmation but claimed it was a " miscommunication '' and that no review was initiated. Under federal law, a corporate " miscommunication '' does not exempt a servicer from dual-tracking restrictions. Assessing thousands of dollars in foreclosure fees while an account is systematically led to believe an assistance review is active violates RESPA dual-tracking prohibitions. 2. Violation of Federal Error Resolution Deadlines & Servicing Transfer Based on the companys written admissions, a formal Notice of Error ( NOE ) under 12 CFR 1024.35 was sent via USPS Certified Mail to the companys designated research address. USPS tracking confirms that this certified letter was delivered and received by the company over a month ago. Under 12 CFR 1024.35 ( e ), the servicer is strictly required to investigate and respond to a covered error within 30 business days. The company has completely ignored this statutory deadline and failed to provide any response. Furthermore, the company has sent notification that the mortgage servicing will be transferred to a new servicer in XX/XX/XXXX. The company is actively attempting to transfer a loan balance containing {$2500.00} in unverified, illegal foreclosure fees while completely ignoring a valid, active federal regulatory dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Incorrect Name : - XXXX, XXXX, XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - 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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Subject : Request for Debt Validation To Whom It May Concern, I am writing regarding the following account listed on my credit report : I dispute the accuracy and validity of this account and request that you conduct an investigation pursuant to the Fair Credit Reporting Act ( FCRA ). Please provide verification and validation of this debt, including : The name and address of the original creditor The date the debt was incurred The amount of the alleged debt, including any fees or interest Documentation bearing my signature showing I agreed to assume this debt Proof that the party reporting the debt is authorized to collect on it If you can not provide proper validation, I request that this account be removed from my credit report immediately. I also request that you provide me with written results of your investigation and an updated copy of my credit report upon completion. Please note that this letter is not an acknowledgment or acceptance of liability for the alleged debt. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: AR

Complaint narrative:
My federal tax return was negligently deposited into a cash app account and I do not have access to it. Ive tried to recover the money with no success. Cash app customer service is very limited in things they can do to help with these situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: WI

Complaint narrative:
On XX/XX/XXXX, I received an email that Goldman Sachs Bank USA reduced my Apple Card credit limit from {$2000.00} to {$1400.00}. The reduction notice cited 'serious delinquency and public record or collection filed ' as a key factor from my XXXX credit report pulled on XX/XX/XXXX, and referenced a FICO XXXX score of XXXX. I contacted XXXX directly on XX/XX/XXXX, and they confirmed I have zero negative accounts and XXXX collections on my file. They also stated they do not produce FICO XXXX scores, they only provide XXXX XXXX and FICO XXXX. My actual verified FICO XXXX score from XXXX is XXXX, not XXXX. The only public record on my file is a bankruptcy discharged in XX/XX/XXXX, which was already present when Goldman Sachs approved my {$2000.00} credit limit in XX/XX/XXXX. My credit score has actually improved since approval. From XXXX through XX/XX/XXXX, I carried a balance while making consistent, on-time minimum payments every month. Never late or delinquent. On XX/XX/XXXX, I made a {$600.00} payment to pay down the balance. Goldman Sachs then reduced my limit by {$600.00} shortly after. Goldman Sachs is citing inaccurate credit information, a non-existent XXXX XXXX score and collections that don't exist, to justify penalizing me for on-time payment behavior on an account they approved with full knowledge of my bankruptcy and a lower credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX . They are not the original creditors. They brought my debt from Citibank. They can not prove that I did any business with them The amount that they are suing for XXXX they had the sheriff department to come and serve me some papers, but I was not at home so my mother got the papers about them showing me they have all my personal information something that I did not give to them

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I lost my wallet with all my private information. I started getting letters that my bank account was closed because of fraudulent checks saying my account is negative and that I owe them. I contacted the bank and they told me someone cashed in a fraudulent check in the atm and that they took out more money from my account than what I had. Everything happened while I was at working in the time given from the transaction of the activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Credit Karma, LLC
State: TN

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. In Credit Karmas response to the CFPB .. you stated that XXXX HAD THE FUNDS AND WERE ISSUINF THEM BY CHECK TO THE ADDRESS IS ON FILE. THIS IS INACCURATE BASED ON THEIR RESPONSE TO THE CFPB. I HAVE BEEN REPEATEDLY LIED TO, AND IT LOOKS LIKE NOW .. CREDIT KARMA IS TRYING TO PLACE BLAME ON THE OTHER BANK WHEN IT WAS THEM WHO FAILED TO DELIVER THE FUNDS PER THEIR OWN RECORDS. I AM DEMANDING THAT THE REFUND, PLUS LOSS OF USE OF FUNDS IN THE AMOUNT OF {$6000.00} BE RETURNED TO ME. I have been advised by XXXX that recovery of the ACH funds may be accomplished by the originating institution through submission of a letter of indemnity. If that information is accurate, this means a defined corrective path exists for Credit Karma / XXXX to recover the misdirected funds, yet no such corrective action appears to have been undertaken despite my repeated notice of the issue. This materially increases my concern regarding failure to reasonably mitigate damages, failure to cure after notice, and continued inconsistent handling of an already-approved reimbursement matter. If Credit Karma XXXX XXXX wishes to resolve this efficiently before arbitration proceeds further, I remain available to discuss immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: TX

Complaint narrative:
Identity Theft Dispute Engagement Code XXXX To Whom It May Concern : I am writing to formally dispute inaccurate information that appeared on my credit report because of identity theft and a data breach associated with Engagement Code XXXX. I recently discovered that my personal information was compromised and used without my knowledge, authorization, or consent. As a victim of identity theft, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and request an immediate investigation and removal of all fraudulent information related to this identity theft event. The account ( s ) listed below were not opened, authorized, used, or benefited from by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Date opened ) XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX ( Date opened ) Because these accounts resulted from identity theft, they are inaccurate and must not continue to be reported on my consumer file. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I request that you : Block the reporting of all information resulting from identity theft ; Remove the fraudulent account ( s ), inquiries, addresses, and personal information associated with theft ; Cease reinsertion of this information unless permitted by law ; Provide written confirmation that the fraudulent information has been permanently removed from my credit file. Additionally, if you verify any disputed information, please provide the complete method of verification, including the name, address, telephone number, and documentation relied upon to verify the account. Failure to comply with the requirements of the FCRA may constitute willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o. I expect written confirmation of the results of your investigation within the time required by federal law. Sincerely, XXXX 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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
Midland Credit Management is actively pursuing a frivolous lawsuit against me for a XXXX XXXX and XXXX XXXX account that is a documented result of identity theft. Their court documentation lists credit card statements sent to a corporate/institutional drop address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which has no personal connection to me. I have already provided Midland with an official FTC Identity Theft Report and a local Police Report that has achieved an 'Exceptional Clearance ' status, meaning law enforcement officially verified the fraud and identified the perpetrator. Despite having this evidence, Midland 's legal team is willfully continuing collection activities in violation of the FDCPA. ''

Company response to consumer: Closed with non-monetary relief