vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I am filing a complaint regarding inaccurate and incomplete credit reporting by Monterey Collection Services. This account is being reported with missing and inconsistent information. Specifically, the original balance is not properly listed, and key account details such as payment history and account terms are incomplete or absent. Despite this, the account continues to be reported as a valid collection. As a debt buyer, Monterey Collection Services is required to maintain and report accurate and verifiable information. The lack of complete account data raises concerns about whether this debt has been properly validated and whether the information being furnished is accurate. I dispute the accuracy and completeness of this account and request that Monterey Collection Services provide full documentation supporting the validity of the debt, including the original creditor, account balance, and chain of ownership. If they are unable to provide this information, the account should be removed from my credit report. Additionally, continued reporting of incomplete or unverifiable information may violate the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am filing this complaint because a collection account from Portfolio Recovery Associates , LLC appeared on my credit report without proper validation, and the actions taken by this company have raised serious concerns about accuracy and legality. I first became aware of this alleged debt after noticing the negative item on my credit report. I did not receive prior notice or proper service of a statement of claim before it was reported. After discovering the account, I disputed it with the credit bureaus and also contacted Portfolio Recovery Associates , LLC by mail requesting validation of the debt. Although I later confirmed through the XXXX XXXX XXXX XXXX XXXX that a statement of claim had been filed, I was not properly served in accordance with expected legal procedures. On XX/XX/year>, an individual came to my home and delivered documents presented as a court summons. The circumstances of this interaction were concerning. The individual was not clearly identified as an authorized process server, and the delivery method did not appear consistent with formal service of legal documents. Additionally, the person arrived in an unmarked and poorly maintained vehicle, which raised further doubts. The documents themselves appeared suspicious and potentially misleading. They were dated more than two months prior to being delivered, and I had received no prior communication about legal action. The documents also appeared incomplete or irregular, including missing a court seal, lacking clear case verification or a confirmable case number, and containing sections that were not properly filled out. Due to these issues, I believe the debt may not have been properly validated and that the collection practices used may be deceptive or misleading. This situation has negatively impacted my credit and caused significant confusion and concern, which is why I am requesting an investigation and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding an unreasonable delay in the review of my mortgage appraisal with Chase.home lending The appraisal was completed over two weeks ago and has been in review with a rush status for the past 8+ days with no explanation or resolution. This delay is now directly impacting my contractual closing timeline and creating significant financial risk. I have made multiple attempts to obtain a clear status update or timeline, and none has been provided. I am requesting : 1. Immediate completion of the appraisal review 2. A clear written explanation for the delay 3. Confirmation of whether this delay will impact my loan approval or terms If this issue is not resolved promptly, it may result in financial harm due to potential loss of earnest money and contractual penalties. I have put down $ XXXX in earnest money and I have another mortgage with Chase. It has never been like this before. I expect a response with a definitive resolution timeline within 48 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I was told to correct the points for travel i would have to contact XXXX XXXX I did and was told to contact card issuer. Barclays Tonight i made a payment and i traveled to XXXX so i did make my payment past XXXX pm XXXX XXXX time. The system would only allow me to select a date for XX/XX/XXXX. Tomorrow is XX/XX/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 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting a " Placed for collection '' date of XX/XX/XXXX on an alleged rental debt of {$10000.00}. This date is fraudulently re-aged my last payment occurred in XX/XX/XXXX, more than two years before the reported date. This constitutes deliberate re-aging in violation of FCRA 623 ( a ) ( 5 ). I submitted formal written disputes to all three credit bureaus via certified mail delivered March 24-26, 2026. TransUnion completed their reinvestigation on XX/XX/XXXX. Their formal written results accepted XXXX XXXXXXXX XXXX fraudulent XX/XX/XXXX date and are now calculating the XXXX reporting window from that fraudulent date showing an estimated removal date of XX/XX/XXXX. The correct removal date based on the actual XX/XX/XXXX date of first delinquency is XX/XX/XXXX. This fraudulent re-aging is extending my derogatory reporting window by two full years constituting concrete documented harm. This alleged debt is time-barred under California XXXX XXXX XXXX XXXX XXXX. My last payment was XX/XX/XXXX the four-year statute of limitations expired XX/XX/XXXX. XXXX XXXX continues reporting this time-barred alleged debt as an active open collection account. The alleged balance of {$10000.00} is materially inaccurate failing to account for amounts arising during periods covered by California 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the XXXX XXXX XXXX eviction XXXX. I possess approximately XXXX date-stamped photographs and written correspondence documenting uninhabitable conditions including rotted window frames, chronic ceiling water intrusion causing mold growth, garbage overflow with vermin, and compromised building security violations of California Civil Code 1941.1 reducing or eliminating the amount legitimately collectible. I sent a formal debt validation demand via certified mail delivered XX/XX/XXXX. No adequate validation has been provided. I am demanding immediate deletion of this account from all three credit bureau files. Additionally XXXX XXXX XXXX XXXX XXXX XXXX sent duplicate collection letters dated XX/XX/XXXX and XX/XX/XXXX while active bureau reinvestigations were running at all three credit bureaus. Sending collection demand letters during an active bureau dispute period is documented and noted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Subject : Barclay Mastercard Mishandled a Dispute Summary : This complaint concerns failure of Barclay Mastercard in addressing the handling of a charge dispute. Despite presenting them with timely information by faxed correspondence, they have ignored my request to refund me. They have been giving me the run around and not addressing my request for the refund. Details : On XX/XX/XXXX, XXXX charged my credit card {$230.00} in duty/VAT for a shipment of personal relocation items from XXXX XXXX XXXXXXXX. The XXXX employee incorrectly marked the shipment as commercial, which caused the improper charges. When I disputed this with XXXXXXXX they voided the original invoice and created a second invoice in XX/XX/XXXX for {$280.00}, billing it to the shipper. Since I was the shipper, this resulted in me being charged twice for the same error. I contacted Mastercard to tell them about the error. The person with whom I spoke, never created a dispute claim for the first invoice. They tried to say it was my fault that it hadnt been created. I had immediately called them when I saw the charges on my XXXX credit card statement. XXXX eventually refunded the XXXX invoice on XX/XX/XXXX. However, the original XX/XX/XXXX charge of {$230.00} was never refunded. Barclay mastercard refused to address it each time I called them. They continued to say that the case had never been opened. I tried to explain to them that there couldve never been a second case without the first case. On XX/XX/XXXX, XXXX emailed me claiming that the XXXX invoice was voided and credited.. I contacted Mastercard directly, and a representative reviewed every billing statement from XX/XX/XXXX through XX/XX/XXXX. They confirmed that no refund was ever issued for the XX/XX/XXXX charge. I sent Barclay dispute a copy of the email from XXXX stating that I should have received a refund. I sent this to them as proof that it was a valid request made by XXXX. Barclay still refuses to give me back my money. Barclay closed my dispute without addressing the missing refund. I have had this Barclay card for over 30 years. I am absolutely aghast at how XXXX being treated.

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 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
I am disputing a debt being collected by The CBE Group , Inc. on behalf of XXXX in the amount of {$820.00} ( reference number XXXX, dated XX/XX/year> ). The underlying transaction reflects that a buyer paid approximately {$2500.00} and was later refunded through a claim process. However, no funds were ever disbursed to the seller, and the seller account was not fully completed for payout. Because no funds were received and the account was not fully established, I do not believe a valid or enforceable obligation exists. I contacted The CBE Group by phone to dispute this matter and requested validation of the debt, including proof of personal liability, proof of any funds disbursed, and a detailed breakdown of the amount claimed. The representative refused to provide this information. To date, no documentation has been provided that demonstrates that this debt is valid, that funds were received, or that liability applies. I am requesting that The CBE Group provide full validation of this alleged debt, including documentation establishing liability and a breakdown of all charges. If such documentation can not be provided, I request that this account be closed with a XXXX balance and that all collection activity cease. I also request confirmation that this account is not being reported, and will not be reported, to any credit reporting agency while the debt remains disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
Every time I put money on my account, I either have to pay off the negative balance or someone hacks into my account and use my money and also doing disputes. So I want my account back and all my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as SYNCB/CARECR - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
CONSUMER NAME : XXXX XXXX COMPANY NAME : Wells Fargo Bank , N.A . LOAN NUMBER : XXXX PROPERTY ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX DESCRIPTION OF PROBLEM I am filing this complaint to report systemic 'Dual Tracking ' and administrative fraud committed by Wells Fargo Bank , N.A . specifically between XX/XX/XXXX, and XX/XX/XXXX. During this window, Wells Fargo induced me to apply for mortgage assistance multiple times to 'stop ' a foreclosure sale, while simultaneously refusing to pause the sale, eventually forcing me into an emergency XXXX filing on XX/XX/XXXX. EVIDENCE OF ILLEGAL DUAL TRACKING Wells Fargos own XX/XX/XXXX, correspondence defines 'Dual Tracking ' as proceeding with foreclosure while a pending application for assistance exists. My records prove that I submitted XXXX separate applications in response to direct solicitations from bank representatives ( XXXX, XXXX, and XXXX XXXX, all of which were processed and resulted in formal decision letters during the same period the bank was tracking my home for a XX/XX/XXXX auction : ADMINISTRATIVE FRAUD AND IDENTITY OBSTRUCTION Wells Fargo has engaged in a XXXX campaign of identity obstruction. They admitted to receiving my Superior Court Name Change Decree on XX/XX/XXXX, but refused to update their records for purposes of legal notice until late XX/XX/XXXX. Furthermore, at the original closing on XX/XX/XXXX, I explicitly informed the closing attorney that my marital status was XXXX, ' yet Wells Fargo recorded the Security Deed as XXXX ' a foundational error they have never corrected despite my repeated requests.

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 2026-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I lost my home due to the XXXX XXXX in XX/XX/XXXX. In XXXX of XXXX, I was transferred to XXXX XXXX I requested to pay off my loan in full in XX/XX/XXXX, using my insurance claim funds. I received a payoff quote ( which at the time had no prepayment penalty ), and sent in my final insurance claim check of {$250000.00} which should have brought the total amount of funds to {$410000.00}. Their loss draft department initially confirms that the funds are there. I call the loan servicing side to proceed with the payoff and they can only confirm {$250000.00}, to which I said there should be another {$160000.00}. The rep then told me I would have to figure it out with the loss draft department. I call the loss draft department back, explain the issue, and they said they'd have a response in a few days. I never got that call. Fast forward another month of being told the same thing - just to be told that the funds were never transferred from my previous servicer. I am now having the missing funds reissued from my insurance company, and have had to have new payoff quotes generated. The new payoff quotes now have a PREPAYMENT PENALTY attached to them in the amount of {$27000.00}. The loan contract clearly states that I am not to be charged a prepayment penalty if any application insurance proceeds are being used. Their legal team and my loan specialist have denied removing the penalty, even after I have referenced the " PREPAYMENT PREMIUM ADDENDUM TO NOTE '' section in the contract and continue to violate it. I've made many phone calls and send faxes pointing to the specific contract section. I am at a loss due to the fire - and feel as though I am being extorted/preyed upon for money, if not soon my land as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/XXXX I placed a call to report identity theft to Discover card. On XX/XX/XXXX I signed an affadavit sent to me by the company which included a detailed document in which I crossed out all transactions that occurred on the account from when the account was opened until XX/XX/XXXX, when I left my home with my child in protective custody and my husband was XXXX and taken to XXXX for XXXX XXXX. XX/XX/XXXX Phone call with Discover to answer follow up questions about what the crossed-out items signified in the document I sent them, where I clarified that the account was opened by my husband without my consent, and that I am not claiming responsibility for the account/charges on the account. On or about XX/XX/XXXX, I received a letter stating that it was determined that there was no fraud on my account, and I am responsible for the balance on the card and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Southwest Acceptance Finance Co
State: FL

Complaint narrative:
I am filing this complaint against Southwest Auto Finance regarding their predatory collection practices and an attempted wrongful repossession of my XXXX XXXX XXXX. Lack of Accessibility : The company maintains no online payment portal, no after-hours payment line, and refuses to allow voicemail or email correspondence for account management. This creates an intentional barrier for customers, like myself, who travel for work and attempt to maintain communication outside of standard business hours. Refusal of Transparency : On Monday, XX/XX/XXXX, I contacted the agency to cure a {$500.00} delinquency. I spoke with XXXX ( Collections Coordinator ), who attempted to demand an additional {$150.00} XXXX fee. ' I contested this fee as my vehicle had not been repossessed. Despite my repeated requests for a full account ledger to verify my balance and fees, my requests were ignored. Bad Faith Collections : Later that day, I spoke with a second agent who agreed to accept the {$500.00} payment to cure the debt and explicitly stated that other fees could be settled later. I processed the {$500.00} payment in full. However, despite curing the debt, XXXX XXXX XXXX failed to cancel the repossession order. Breach of XXXX & XXXX : At XXXXXXXX XXXX EST, a recovery agent trespassed into my gated complex and entered my vehiclewhich contained my professional equipment ( laptop ) and personal propertydespite the account being current. I was forced to physically intervene and provide proof of payment and bank debits to the agent to prevent the wrongful XXXX of my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I vacated my apartment on XX/XX/year> after notifying management in writing of a family XXXX situation involving myself and my minor daughter. Management acknowledged my situation, accepted a 30-day notice instead of the required 60 days, and physically assisted my departure on move-out day. My final account balance of {$2900.00} was sent to collections and includes accelerated rent charges of {$2000.00} and a reletting fee of {$350.00}, both of which are prohibited under Texas Property Code 92.016 when a tenant vacates due to family XXXX. Additionally, my XXXX rent payment of approximately {$1000.00} was misapplied by management toward early termination fees rather than rent, and I am now being billed for that same rent again. The only legitimate charge is a {$130.00} cleaning fee, which is offset by my {$150.00} security deposit, meaning I owe nothing. The collections account represents an illegal debt being collected in violation of Texas state law and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation