vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Relay Financial (US), Corp.
State: CA

Complaint narrative:
On XX/XX/year>, I opened a business checking account with Relay Financial ( banking services provided by XXXX XXXX ) via a promotional landing page ( XXXX ) offering a {$300.00} sign-up bonus. The Terms & Conditions stated I needed to deposit {$10000.00} and maintain that balance for 90 consecutive calendar days. I fulfilled all requirements. My {$10000.00} deposit cleared on XX/XX/year>, and I maintained the balance well past the 90-day mark. According to their terms, the {$300.00} bonus was to be deposited within 30 business days after meeting the hold time. Relay failed to pay the bonus. When I contacted support on XX/XX/year>, a representative verbally offered me {$200.00} instead of {$300.00}, claiming " technical difficulties. '' I declined this bait-and-switch offer. I subsequently provided support with screenshots of the original offer and Terms & Conditions. After months of delays, Relay 's support team is now requesting a non-existent " promotional code '' to fulfill the offer, despite their own Terms & Conditions stating the offer is triggered via a landing page, not a code. Relay Financial is engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) by advertising a financial promotion, refusing to honor the completed contract, attempting a bait-and-switch payout, and using deceptive customer service tactics to stall resolution. I am requesting the immediate deposit of the owed {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: NJ

Complaint narrative:
When I closed on my house in XX/XX/2026, it was first with Valon under a loan number. My first payment was due on XX/XX/XXXX. I made a semi monthly payment on XXXX. But the loan was transferred to valon mortgage Inc under a new loan number on XXXX. And the payment I made in XXXX was not being shown under this new loan number. I'm requesting that my ACH AutoPay payment paid/received on XX/XX/2026 currently in suspense under the previous loan number be moved/applied to my active loan number. This payment was not applied to an installment on the old loan because it was held in suspense, and I would like it transferred to the new loan for proper application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Account was opened XX/XX/year> Amount owed {$1000.00} XXXX XXXX XXXX XXXX Portfolio recovery I am formally disputing the alleged debt you continue reporting on my consumer credit file regarding the above-referenced account allegedly associated with XXXX. This account has previously been disputed multiple times, yet your company continues reporting this collection account without providing competent evidence that this debt is accurate, valid, legally collectible, or belongs to me. Your failure to provide sufficient documentation while continuing to report derogatory information may constitute violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). You are hereby required to provide complete validation and verification of this alleged debt, including but not limited to the following : 1. A complete copy of the original signed contract or application bearing my signature. 2. Full payment history and account statements from the original creditor showing how the alleged balance was calculated. 3. Documentation showing how your company obtained authority to collect this alleged debt. 4. Complete chain of assignment and transfer records from the original creditor to your company. 5. A complete bill of sale specifically identifying this account and alleged transfer. 6. Proof that your company is properly licensed and authorized to collect debts in my state. Additionally, provide : * The original date of delinquency. * The name and address of the original creditor. * An itemized accounting of the alleged balance. * Any agreements bearing my signature. * Any records of communication allegedly connected to this account. Be advised that generic account summaries, spreadsheets, screenshots, or computer-generated documents created by your company will not constitute proper validation of this debt. Until you provide the requested documentation, you must cease reporting this account as verified or accurate to any consumer reporting agency. If you can not provide competent evidence that this debt belongs to me and that your reporting is fully compliant with federal law, you must immediately delete this account from all consumer credit reporting agencies. Failure to comply may result in complaints being filed with the : * Consumer Financial Protection Bureau * Federal Trade Commission * My State Attorney General Any continued reporting of inaccurate, unverified, or misleading information after receipt of this notice may be considered willful noncompliance under the FCRA and FDCPA. I demand a full investigation and written response within the time permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am filing this complaint regarding a wage garnishment under XXXX XXXX Ohio court case XXXX and violations committed by Midland Credit Management Inc. VIOLATION 1 ILLEGAL GARNISHMENT OVERAGES : Across four consecutive pay periods beginning XX/XX/XXXX, garnishment amounts exceeded the legal maximum of 25 % of disposable earnings under 15 U.S.C. 1673. Week 1 XX/XX/XXXX overage {$34.00}. Week XXXX XX/XX/XXXX overage {$34.00}. Week XXXX approximately XX/XX/XXXX overage {$34.00}. Week XXXX approximately XX/XX/XXXX overage {$7.00}. Total illegal overage : {$110.00}. This systematic pattern across all four pay periods proves a consistently incorrect calculation formula was used. VIOLATION 2 WAGES SEIZED BEFORE NOTICE DELIVERED : My wages were garnished XX/XX/XXXXXXXX for pay period XXXX XXXX XXXX I did not receive the Notice to XXXX XXXX until XX/XX/XXXXXXXX three days after garnishment had already occurred. I was given no opportunity to request a hearing before money was taken, violating Ohio Revised Code XXXX. VIOLATION 3 FALSE CERTIFICATION OF DELIVERY DATE : The Garnishee Answer document certifies delivery to judgment debtor on XX/XX/XXXX. The XXXX XXXX employee notification letter is dated XX/XX/XXXXXXXX proving delivery on XX/XX/XXXX was impossible as the notice had not yet been mailed. This false certification XXXX violate FDCPA XXXX. VIOLATION 4 OVERCOLLECTION : Total garnished was {$1500.00} confirmed by employer year-to-date payroll records. Original judgment was {$1200.00} at 8 % interest from XX/XX/XXXX. Legitimate collectible amount including interest is approximately {$1300.00}. The garnishment order inflated the total by including {$250.00} in court costs already shown as paid at XXXX balance due in court records. Garnishment stopped approximately XX/XX/XXXXXXXX after collecting the full inflated amount. VIOLATION 5 CREDIT REPORTING INACCURACIES : After collecting {$1500.00} through court-ordered wage garnishment, Midland Credit Management continues to report a balance of {$1500.00} with XXXX payments recorded to all three credit bureaus as of XX/XX/XXXX. Two unexplained balance additions totaling {$260.00} appear in the reporting history with no disclosed legal basis. All three bureaus show different account statuses for the same account. Case reference : XXXX XXXX Ohio XXXX. Judgment date XX/XX/XXXX. Garnishment period XX/XX/XXXXXXXX through XX/XX/XXXX. Total garnished {$1500.00}. Original judgment {$1200.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I paid for the Experian mobile app service, and I was charged twice, and I'm still not able to use the app.

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 monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
On XXXX, XXXX, XXXX, I had a death in my family that was unexpected that has wrecked havoc in our family. I advised XXXX Main of the situation several times and advised them, that I was having trouble making payments until I get my family matters under control. They have constantly called me from my cell phone, to my job phone, to text messages, and using different numbers many times a day, which is illegal. They were not reluctant to assist me with this even though I expressed my willingness to pay but I couldn't pay the full amount. I made payments and they advised me in XX/XX/XXXX, to make a reduced payment to get back in track. In XX/XX/XXXX, I'm being sued for this debt even though, I expressed my willingness to handle the debt. Considering I am going through the death of my brother and then contacting constantly throughout the day since XXXX, had been nerve wrecking and caused many medical issues getting to get me and my family to a place of moving forward and handling issues. One Main has constantly harassed me and unprofessional during this devastating time. I spoke with the Branch XXXX, XXXX at XXXX XXXX XXXX XXXX, in XXXX, SC. I attempted to make a payment plan for this account and no judgment, but their Collections department XXXX XXXX in their collections department would not review the case and sell wants to file syit, even though, I have tried to handle this without a judgement. XXXX XXXX was excrement rude through email which is documented. One Main Financial had a class action lawsuit for the same practices they are continually practicing today and at this point they should be deemed a predatory company. That have received over XXXX complaints for the same issues in experiencing. Please stop this company from being predatory and harassing through practices that are illegal to consumers. Your assistance to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received an email on XX/XX/year> about my checking account being upgraded to a chase private client account despite none such action on my part. I called and asked when and who, told them that I recently had fraudulent activity on one of my chase accounts, and that this is concerning, that I do not consent, and want it corrected. They told me an agent named XXXX had done the change on XX/XX/year>. I recognized this name because this person calls me occasionally from the XXXX, CA branch to sell me investment services, which I declined in the past have not talked to since. I told them this, that I want the change to be rectified, that I'm not paying any fees, and that I do not want to speak to this agent, but someone higher. They told me a branch manager would contact me in 1 to 2 business days. I persisted that upgrading me to a financial service without my consent sounds a lot like fraud, and that I want it corrected sooner than that. They reiterated that bank managers don't have a lot of free time. Looking online, it seems that this is not an uncommon issue with chase bank. I persisted and was told I was being transferred to the branch manager, however the person who answered the phone said the branch manager had gone out to lunch. I am currently awaiting a callback. No one on Chase 's side seems to be taking any concern to the fact that a branch employee upgraded a client account to one that has higher fees/requirements without the customer 's knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my account. The reported information contains errors that do not accurately reflect my payment history. I have been a responsible payer, and the negative remarks on my account are incorrect. Under 15 U.S. Code 1666b, creditors are required to promptly correct billing errors. Additionally, under 15 U.S.C. 1681i ( 7 ), I am entitled to a full description of the reinvestigation procedure conducted regarding my dispute. As a consumer, I request to know all the steps the agency took to ensure the accuracy of the reported information before it was added to my credit report. Despite my efforts to dispute this matter directly with the reporting agency, I have not received adequate verification or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information appearing on my XXXX credit report regarding the following account : Creditor : XXXX XXXX Account Type : Credit Card Reported Balance : {$490.00} Account Status : Closed Reported Late Payments : XXXX Days Late Remarks : Account closed by credit grantor The information being reported is inaccurate and/or incomplete under the Fair Credit Reporting Act ( FCRA ). Specifically, I dispute the following : 1 The payment history and delinquency reporting are inaccurate. 2 The account is reporting 120+ Days Late despite inconsistencies in the payment timeline. 3 The account status, past due amount, and late-payment history require verification with the original creditor. 4 The reporting contains conflicting and misleading information that may be negatively impacting my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
According to section 392.101 of the Texas Finance Code prohibits a third party debt collector from engaging in debt collection if a surety bond is not filed with the Office of the Secretary of State. I have found that Spring Oaks Capital LLC does not have a surety bond on file with the XXXX. I have contacted the credit bureau with this information and uploaded proof from the XXXX website.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of my account. The reported information contains errors that do not accurately reflect my payment history. I have been a responsible payer, and the negative remarks on my account are incorrect. Under 15 U.S. Code 1666b, creditors are required to promptly correct billing errors. Additionally, under 15 U.S.C. 1681i ( 7 ), I am entitled to a full description of the reinvestigation procedure conducted regarding my dispute. As a consumer, I request to know all the steps the agency took to ensure the accuracy of the reported information before it was added to my credit report. Despite my efforts to dispute this matter directly with the reporting agency, I have not received adequate verification or resolution.

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 2026-05-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
My benefits card was never received and I've called with XXXX access to live representatives. My funds have been in accessable for over 39 days and I've made repeated failed contacts attempts. On XX/XX/year>, I called seven times. On XX/XX/year>, I called four times. On XX/XX/year>, I called twice. On XX/XX/year>, I called three times. On XX/XX/year>, I called once. This morning, XX/XX/year>, I've called twice. I go through an automated loop with no access to a representative to send a card that I never received in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America debit card was stolen on XX/XX/year>. After my card was stolen, unauthorized withdrawals and transactions totaling approximately {$4000.00} were made on XX/XX/year> and XX/XX/year> without my permission or authorization. I did not make these transactions and I was not even in the area where the money was withdrawn. I have proof of my cell phone location records showing that I was somewhere else at the time these transactions occurred. As soon as I became aware of the unauthorized transactions, I immediately contacted Bank of America and reported the transactions as fraud. I fully cooperated with the bank and took all the necessary steps required to report the stolen debit card and unauthorized activity. Despite this, Bank of America denied my fraud claim and is blaming me for the transactions. I strongly dispute their conclusion because I did not authorize, conduct, or benefit from these withdrawals in any way. I requested additional information regarding their investigation and the reason for denying my claim, but the bank did not provide sufficient evidence proving that I made these transactions. I believe Bank of America failed to properly investigate my fraud claim and failed to protect my account from unauthorized transactions. I am requesting that Bank of America reopen and properly investigate my claim and reimburse the unauthorized withdrawals and any related fees.

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 2026-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
The alleged debt is owed to XXXX XXXX XXXX for wireless communication. I closed this XXXX XXXX XXXX account during XX/XX/year>. I spoke with no less than five operators and demanded that each close my account. Each operator transferred me to another person who offered discounts in order to retain my service. I declined each offer and repeatedly demanded that my account be closed. Subsequently, I discovered in XX/XX/year> that I had been charged for XXXX XXXX and XXXX! I tried my best to remove my credit card from the XXXX XXXX XXXX account. However, I was charged for a fourth month of service during XX/XX/year> during that last month, I was successfully able to remove my credit card information and no additional bills were automatically debited from my checking account. I do not and should not owe XXXX XXXX XXXX any money whatsoever. I requested my account be closed and they continue charging me. This is fraudulent and deceitful. They should be ashamed of themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
XX/XX/XXXX - [ XXXX XXXX XXXX has flagged your account as Collections ]. At the time, I called this company and asked what this was for as I have never opened an account with XXXX XXXX XXXX. They said I had a debt of {$1500.00}. They have also sent me multiple calls and emails which I took straight to XXXX XXXX XXXX who confirmed it spam/fraudulent. Mind you the paper mail was very realistic so that's why I went to XXXX XXXX XXXX and showed them. I then disputed it on XXXX who was no help at all and closed the dispute not in my favor because just recently, XX/XX/XXXX, It has now been sold ( or so I assume ) to CREDENCE RESOURCE XXXX because I received another " flagged account as Collections '' notification for the same amount of {$1500.00}. After tons of research and calls to XXXX XXXX XXXX ( again ) they once again explained to me this is identify theft and fraud trying to get money, I am confident this is some sort of spamming. I read tons of others are experiencing this same thing with a false company " XXXX XXXX '' trying to get money paid by the person.

Company response to consumer: Closed with non-monetary relief