vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
In XX/XX/2026, I discovered that Radius Global Solutions placed a telecommunications collection account on my credit report, allegedly from XXXX XXXX XXXX, in the amount of {$3200.00}. I do not recognize this account and have no knowledge of this debt. I never opened or authorized any such account. This account appears to have been reported beginning around XX/XX/2026 without any prior communication or validation notice. I never received any written notice of this debt as required under the Fair Debt Collection Practices Act. I disputed this account with the credit bureau as not mine. Despite this, the account is being reported and is negatively impacting my credit and ability to obtain housing and financing. Reporting and attempting to collect a debt that does not belong to me, without proper validation, is a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am requesting a full investigation and immediate removal of this account. If the company can not provide complete verification, including a signed agreement and proof of obligation, this account must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: ID

Complaint narrative:
Portfolio Recovery Associates is reporting a collection account on all three of my credit reports for a balance of {$630.00}, with an original creditor listed as XXXX XXXX. The account shows a date of first delinquency of XX/XX/XXXX and a purchase/assignment date of XX/XX/XXXX. I have no record of ever receiving a written validation notice from Portfolio Recovery Associates regarding this alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) 1692g, a debt collector is required to provide a written notice within XXXX days of initial communication that includes the amount of the debt, the name of the creditor to whom the debt is owed, and a statement of my right to dispute the debt within XXXX days. I never received any such notice from this company, and they have not provided me with documentation that verifies ownership of the alleged debt, the chain of assignment from the original creditor, or an itemized accounting of how the balance was calculated. Despite not fulfilling their validation obligations, Portfolio Recovery Associates has continued to report this account to the XXXX major credit bureaus every month, causing ongoing and substantial damage to my credit profile at a time when I am actively attempting to secure housing for my family. I am requesting that the CFPB facilitate a response from Portfolio Recovery Associates requiring them to either produce full validation documentation, including proof of ownership of the debt, or to cease collection activity and delete their tradeline from all XXXX credit reporting agencies as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I sent a domestic payment within the United States using Cash App for {$200.00}. The transaction has been pending for over XXXX weeks due to a compliance flag. Despite multiple attempts to resolve this issue through customer support, I have only received repeated automated responses with no actual resolution or clear timeline. This delay is unreasonable, and my funds are being held without proper justification. I have requested cancellation of the transaction and return of my money multiple times, but no action has been taken. I am requesting immediate cancellation of the transaction and release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX Date : XX/XX/year> RE : Dispute of Debt and Request for Validation Account # : XXXX To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I dispute the validity of this alleged debt in its entirety and request proper validation. Please provide the following : XXXX. The name and address of the original creditor. XXXX. The date the alleged debt was incurred. XXXX. An itemized statement of the amount claimed to be owed, including any interest, fees, or charges. XXXX. Documentation bearing my signature or other evidence demonstrating that I have a legal obligation to pay this debt. XXXX. Documentation showing your authority to collect on this account, including whether you are the current owner of the debt or acting on behalf of the original creditor. Additionally, if this account is being reported to any consumer reporting agencies, please note that I am formally disputing this debt. Reporting information that is inaccurate or can not be verified may constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Until this information is provided, please cease collection efforts on this account as required under the FDCPA. I also request that all future communications regarding this matter be conducted in writing only. This letter is not a refusal to pay, but a notice that the debt is disputed. I reserve all rights under applicable federal and state laws. Please respond within the time period required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Summit A*R, Inc.
State: NJ

Complaint narrative:
Summit AR ( Account # XXXX ) placed a collections tradeline on my credit report for a damage claim from XXXX XXXX XXXX XXXX XXXX ( Claim # XXXX ). This debt was unjustly reported, and I am requesting its complete removal from my credit files. Here is the full timeline : In XX/XX/XXXX, XXXX alleged damage to a rental vehicle. XXXX never sent me a demand letter or any documentation of the alleged damage before referring the account to Summit AR for collections. I filed a timely claim with my credit card 's rental damage insurance benefit ( XXXX XXXX XXXX XXXX Rental Protection, Claim # XXXX ). XXXX prematurely closed the claim due to XXXXXXXX XXXX failure to respond to their requests for documentation. On XX/XX/XXXX, I sent Summit AR a formal debt validation request. On XX/XX/XXXX, I sent XXXX a written request for the demand letter, repair estimate, damage photos, and incident report needed by my insurer. XXXX did not respond. On XX/XX/XXXX, I sent a second written request to XXXX and a follow-up to Summit AR reiterating the disputed status and explaining that XXXXXXXX XXXX failure to provide documentation was the sole obstacle to resolution. On XX/XX/XXXX, XXXX approved my claim and issued a payment of {$2200.00} directly to XXXX XXXX XXXX XXXX XXXX. The balance is now {$0.00}. On XX/XX/XXXX, XXXX finally provided the documentation months after referring the debt to collections and months after my first request. Throughout this process, I acted in good faith. I never refused to pay. The delay was caused entirely by XXXXXXXX XXXX failure to provide basic documentation to me and to my insurer. Despite this, Summit AR reported a collections account on my credit report, which has negatively impacted my credit score. I have requested that Summit AR close the account and submit deletion requests to all three credit bureaus. I have also filed a dispute with XXXX ( Report # XXXX, filed XX/XX/XXXX ). I am requesting : ( 1 ) Complete deletion of the Summit AR tradeline from all credit bureau reports, ( 2 ) Written confirmation from Summit AR that the account is closed and deletion requests have been submitted, and ( 3 ) That the CFPB investigate Summit AR 's reporting practices in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX I accidentally paid XXXX XXXX property taxes directly in the amount of {$4800.00} while Rocket Mortgage simultaneously paid the same taxes through XXXX in the amount of {$2400.00}. XXXX XXXX refunded {$2400.00} to XXXX XXXX. Rocket Mortgage issued a refund check of {$4200.00}. However they provided XXXX official documents that directly contradict each other. Document XXXX escrow activity statement shows a XXXX XXXXXXXX XXXX tax payment in XX/XX/XXXX. Document XXXX detailed transaction history shows no such payment exists for the same period. I sent XXXX formal Qualified Written Request via certified mail to Rocket Mortgage in XX/XX/XXXX. Their response addressed the refund amount but completely failed to explain the {$3000.00} discrepancy between their XXXX official documents or confirm what happened to the {$2400.00} Cotality refund. I have official XXXX XXXXXXXX XXXX XXXX documentation confirming the XXXX refund including check number and date. The {$3000.00} discrepancy between their own documents remains completely unresolved and unexplained

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, at approx. XXXXXXXX XXXX PT, I visited the XXXXXXXX XXXX in XXXX XXXX, CA, to withdraw cash from an ATM I regularly use as a fee-free location approved by the XXXX XXXX XXXX app. After a successful {$300.00} withdrawal, I attempted to withdraw another {$100.00}. The ATM made loud mechanical sounds for an extended period, failed to dispense cash, but unexpectedly printed a receipt claiming the funds were delivered at XXXXXXXX XXXX I did not request this receipt, but I preserved it as evidence. Around the same time, I took a photo of the ATM screen in 'Technical Maintenance ' mode ( XXXX PM ) and called the support number directly from the app. I requested a Russian interpreter, which was denied. Despite the barrier, I clearly stated : XXXX ATM don't give me my money and give me only receipt. I need my money. ' The agent instructed me to file a dispute via the app. I followed these instructions, which was a difficult and time-consuming process because I had to take screenshots of each step and translate them to ensure I was filing correctly. While still at the location, I also took another photo at XXXX XXXX after the ATM automatically rebooted. The app interface provided no clear option to upload my photographic evidence. On XX/XX/year>, XXXXXXXX XXXX XXXX XXXXXXXX denied my claim via email, stating they 'are not able to assist with ATM malfunctions. ' This is a direct violation of Regulation E ( 12 CFR 1005.11 ). I am the sole breadwinner for my family, working for XXXXXXXX XXXX. I have already paid income tax on these {$100.00}. My son is under XXXX years old and is a recognized SSI recipient who survived an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX He requires XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Every dollar is strictly accounted for. The bank 's bad-faith denial and refusal to investigate constitute willful noncompliance under 15 U.S.C. 1693m. I demand a full refund and maximum statutory penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/year>, I disputed a {$980.00} charge with Capital One for a purchase made through a merchant via XXXX. I had intended to pay in XXXX installments, but XXXX charged the full amount immediately. The merchant told me to cancel the first order and reprocess it to use installments. I canceled the original order and have proof of cancellation and the XXXX numbers provided by my bank. Capital One initially issued a provisional credit for the amount, but later reversed the credit, stating that the refund had gone to XXXX. XXXX confirmed that due to the dispute opened by my bank, they could not complete the refund and that the bank was responsible for resolving the issue. I have not received the merchandise, and despite providing all supporting documentation ( refund confirmation, XXXX numbers, and correspondence with XXXX ), the issue has remained unresolved since XXXX. I have repeatedly tried to escalate with Capital One, but I only receive vague responses about ongoing investigations with no timeline for resolution. This has caused financial hardship, as the funds were needed for bills. I am XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX unfortunately we do not get paid much so this is very inconvenient

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Regarding Chase Claim # XXXX for {$23000.00}, I am filing this urgent update to report a systemic failure and a repetitive " cancellation loop '' within Chases claims department. Every time I contact a representativeincluding a XXXX call todayI am given the same scripted response that the check will be canceled and a new one issued, yet I never receive the funds. This repetitive stalling tactic is being employed despite my repeated warnings to Chase that I am facing imminent eviction and pending court dates due to the lack of access to my money. Chases refusal to expedite delivery or authorize a branch pickup while knowing I am on the verge of homelessness is willful negligence that has caused me extreme emotional distress and tangible financial damage. I demand an immediate end to this cycle, the overnight delivery or same-day branch pickup of my funds, and full compensation for the legal fees, late penalties, and psychological toll this ordeal has forced upon me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliphant United, Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding debt collection activities by Oliphant USA , LLC related to an alleged account originally associated with XXXX. I sent a written request for debt validation to the company, asking for documentation verifying the alleged debt and documentation demonstrating that Oliphant USA , LLC has legal ownership or assignment of the account. My request specifically sought information sufficient to verify the debt and establish the companys authority to collect it. The company responded to my request ; however, the materials provided did not include documentation demonstrating that the alleged debt was legally assigned or sold to Oliphant USA , LLC. The response consisted primarily of generic documents such as general terms and conditions, privacy notices, and other materials not specifically tied to my account. The materials did not include documentation establishing the chain of assignment from the original creditor to the current collector or other documentation demonstrating Oliphant USA, LLCs legal ownership of the alleged debt. As a result, the information provided does not appear sufficient to verify that Oliphant USA , LLC has the legal authority to collect the alleged debt. Despite this, the company continues to report the account to consumer reporting agencies and continues collection activity, including repeated telephone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
This account is the result of identity theft and was opened fraudulently without my knowledge, authorization, or consent. At the time this account was allegedly opened and used, I was away attending military basic training and had no access to my personal financial information, mail, or the ability to open or manage any credit accounts. I did not apply for this account, I did not authorize it, and I did not benefit from it in any way. Any charges, balances, or activity associated with this account are fraudulent. Under the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ), I am not liable for unauthorized accounts or fraudulent charges. Your company is legally required to investigate and remove inaccurate or fraudulent information. My military service during the timeframe in question further proves that I could not have opened or used this account. I am demanding the following actions immediately : Permanent deletion of this fraudulent account from all credit reporting agencies Written confirmation that I have XXXX liability for any associated balances Immediate closure of the account A full fraud investigation, including documentation of how this account was opened Immediate cessation of all collection activity and reporting If this matter is not resolved promptly, I will escalate by filing formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General. I will also pursue legal action for violations of federal law, including damages for inaccurate reporting, failure to investigate, and any harm caused to my credit. Be advised : continuing to report or attempt to collect on a fraudulent account after being notified constitutes a violation of federal law. I am documenting all correspondence and will use it as evidence if legal action becomes necessary. This is a formal dispute and demand for immediate correction. I expect full compliance without delay.

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 2026-04-08 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: UT

Complaint narrative:
I run my credit report, because now that I'm back in XXXX, I was getting letters on my regular mail from companies for credit I have not applied for credit. Capital One Account number ending on XXXX amount own {$630.00} XXXXXXXX XXXX Account number ending on XXXX starting account number XXXX amount own {$6900.00} XXXXXXXX XXXX Account Account XXXX Starting # XXXX Balance Owe {$8400.00} Please I need this out my credit report, is affecting my credit score, and my life. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am reporting unauthorized charges on my credit card account with First Tech Federal Credit Union that have not been properly resolved. I have not used this credit card for approximately XXXX years. Recently, I was contacted by the credit union regarding suspicious activity on my account. During that communication, I clearly stated that I did not authorize any of the charges and was informed that the charges would be removed and investigated. On XXXX XXXX, 2026, I submitted a formal written dispute confirming that all 2026 transactions on the account were unauthorized. However, after waiting several days, I reviewed my account and found that multiple unauthorized transactions from 2026 remain. These include several small charges ( approximately {$1.00} {$12.00} each ), as well as associated interest charges. As a result, I am currently being asked to pay approximately {$84.00} for transactions that I did not make. The credit union has acknowledged the dispute but has not resolved it. Unauthorized charges remain on the account, interest has been applied, and I have not received confirmation that I am not responsible for these charges. I believe the credit union has failed to properly resolve a reported fraud case and is continuing to hold me responsible for unauthorized transactions.

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