vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
CFPB Complaint XXXX Rebuttal & Documentation Demand Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This complaint should be reopened. Credence Resource Management continues to report a previously disputed and removed XXXX XXXX XXXX account that was later reinserted without proper notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ). The document provided is a billing statement dated XX/XX/XXXX for {$150.00}. This does not substantiate the key claims made by Credence, including account origination, delinquency, assignment, or lawful authority to collect. It is insufficient to meet validation and reinvestigation requirements under FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). Formal Documentation Demand Pursuant to FCRA 611, 605, 609, and 623 and FDCPA 809 ( 15 U.S.C. 1692g ), I request : - Letter of authorization and proof of authority to collect - Purchase agreement and full chain of title ( FDCPA 807 ; FCRA 623 ) - Original signed contract or authenticated application - Complete account-level accounting - Collection license and bonding authorization in my state - Method of verification used ( FCRA 611 ( a ) ( 7 ) ) - Evidence of permissible purpose ( FCRA 604 / 1681b ) - Compliance with GLBA and disclosure of any data sharing - Proof of XXXX XXXX reporting compliance - Compliance with FCRA 605 ( reporting timeframe ) - Proof the account was properly marked as disputed ( FCRA 623 ( a ) ( 3 ) ) Legal Notice - Under FDCPA 809 ( b ), collection activity must cease until proper validation is provided- Under FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ), reporting disputed information without proper notation is unlawful- I revoke any permission to access or share my information under FCRA and XXXX- I assert my privacy and opt-out rights - I invoke protections under the Servicemembers Civil Relief Act ( SCRA ) Procedural Violations - Failure to conduct a reasonable reinvestigation ( FCRA 611 ) - Failure to validate the debt ( FDCPA 809 ) - Failure to establish permissible purpose ( FCRA 604 ) - Inaccurate and incomplete reporting ( FCRA 623 ) - Failure to provide required disclosures ( FCRA 609 ) -- - Demand for Action - Immediate deletion of the account while under investigation - Cease reporting and collection activity until validation is complete - Full compliance with all documentation requests above Requested Resolution - Reopen this complaint - Require full documentation from Credence Resource Management - Investigate violations of FCRA and FDCPA - Require permanent deletion if compliance can not be demonstrated Credence Resource Management continues to furnish unverified and disputed information based on insufficient documentation. This matter requires enforcement-level review and corrective action. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Receivable Management Services LLC
State: OK

Complaint narrative:
I requested validation of this debt and received documentation that contains conflicting and unclear balance information. The validation provided shows XXXX different amounts with no explanation of how the total balance was calculated. The XXXX final bill lists a total of {$220.00}, yet also states a total amount due of {$770.00}, without any itemized breakdown or explanation for the difference. Because the amounts are inconsistent and unsupported, the balance being reported can not be verified as accurate. Despite this, the account continues to be reported on my credit report. I am requesting that this account either be properly validated with a full itemized breakdown and clear explanation of all charges, or deleted from all credit reporting agencies

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 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and improper debt collection practices by Credence Resource Management. Credence placed a collection account on my credit report that had previously been removed as a result of a prior dispute. The re-reporting of this account raises concerns regarding compliance with the Fair Credit Reporting Act ( FCRA ), particularly as it relates to the reinsertion of previously deleted information and the obligation to ensure maximum possible accuracy. After contacting Credence, including speaking with a supervisor identified as XXXX, I was informed that the company attempted to satisfy its notification requirements by sending a text message to a phone number that does not belong to me. I have never received proper notification or validation of this alleged debt. This raises serious concerns under both the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), including : Failure to provide proper validation notice of the alleged debt Use of inaccurate consumer contact information Reporting information to credit bureaus that may not be reasonably verified Re-reporting a previously deleted account without ensuring accuracy or proper consumer notification At this time, I dispute the validity and accuracy of this debt. I have not received sufficient documentation establishing that I owe this debt, nor have I been properly notified in accordance with applicable law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
My American Express checking account with the amount of {$650000.00} was put into restricted on XX/XX/year>. Every other day calling to AmEx when the restriction would be lifted, I would be informed when the review is completed, taking more than XXXX weeks now with no timeframe given.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter serves as my formal Identity Theft Report and immediate demand for action under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA 605B ). I am a victim of identity theft. The accounts and hard inquiries listed below were opened or made without my knowledge, authorization, or consent. I did not apply for, authorize, or benefit from these accounts or inquiries in any capacity. The following accounts and inquiries are fraudulent and must be blocked and permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The attached FTC Identity Theft Report qualifies as a valid Identity Theft Report under 15 U.S.C. 1681a ( q ). This submission meets all statutory requirements for a valid Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX XXXX gave me a check for {$10000.00} there in New York a long time. On Sunday the XXXX of XXXX I deposited the check. They said it would clear on the XXXX of XXXX .. it did not clear they said I have to wait till the XXXX of XXXX. That's illegal I would like my check back to bring to another bank and open another account at XXXX XXXX XXXX XXXX XXXX XXXX where my church has XXXX XXXX. I'm sick of this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo authorized a overcharged purchase without my knowledge. I was completely overcharged for a purchase I did not authorize. Wells fargo did not provide updates or reasoning for which was the reason of the denial of my dispute. Over XXXX $ for a two day normal car rental. This car was not exotic nor was damaged.

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 2026-04-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB Complaint XXXX Rebuttal & Documentation Demand Complainant : XXXX XXXX XXXX Date : XX/XX/XXXX This complaint should be reopened. XXXX XXXX XXXX continues to report a previously disputed and removed XXXX XXXX XXXX account that was later reinserted without proper notice, in violation of FCRA 611 ( a ) ( 5 ) ( B ). The document provided is a billing statement dated XX/XX/XXXX for {$150.00}. This does not substantiate the key claims made by XXXX, including account origination, delinquency, assignment, or lawful authority to collect. It is insufficient to meet validation and reinvestigation requirements under FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ). Formal Documentation Demand Pursuant to FCRA 611, 605, 609, and 623 and FDCPA 809 ( 15 U.S.C. 1692g ), I request : - Letter of authorization and proof of authority to collect - Purchase agreement and full chain of title ( FDCPA 807 ; FCRA 623 ) - Original signed contract or authenticated application - Complete account-level accounting - Collection license and bonding authorization in my state - Method of verification used ( FCRA 611 ( a ) ( 7 ) ) - Evidence of permissible purpose ( FCRA 604 / 1681b ) - Compliance with GLBA and disclosure of any data sharing - Proof of Metro 2 reporting compliance - Compliance with FCRA 605 ( reporting timeframe ) - Proof the account was properly marked as disputed ( FCRA 623 ( a ) ( 3 ) ) Legal Notice - Under FDCPA 809 ( b ), collection activity must cease until proper validation is provided- Under FCRA 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ), reporting disputed information without proper notation is unlawful- I revoke any permission to access or share my information under FCRA and GLBA- I assert my privacy and opt-out rights - I invoke protections under the Servicemembers Civil Relief Act ( SCRA ) Procedural Violations - Failure to conduct a reasonable reinvestigation ( FCRA 611 ) - Failure to validate the debt ( FDCPA 809 ) - Failure to establish permissible purpose ( FCRA 604 ) - Inaccurate and incomplete reporting ( FCRA 623 ) - Failure to provide required disclosures ( FCRA 609 ) -- - Demand for Action - Immediate deletion of the account while under investigation - Cease reporting and collection activity until validation is complete - Full compliance with all documentation requests above Requested Resolution - Reopen this complaint - Require full documentation from XXXX XXXX XXXX - Investigate violations of FCRA and FDCPA - Require permanent deletion if compliance can not be demonstrated XXXX XXXX XXXX continues to furnish unverified and disputed information based on insufficient documentation. This matter requires enforcement-level review and corrective action. Sincerely, XXXX 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 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: AR

Complaint narrative:
They sent me a debit card but wouldn't verify my identity so it could be activated instead refuse to let me be a card holder but kept my XX/XX/XXXX XXXX check and refuse to let me receive the funds of XXXX! I've been evicted, my bills shut off, no food or shelter now homeless XXXX XXXX XXXX lady,2 service dogs just cause XXXX XXXX want release my ssdi funds to the rightful payee,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Thomas George Associates, Ltd.
State: CA

Complaint narrative:
I am filing a complaint against Thomas George & Associates for continued harassment and violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). This company has repeatedly contacted me by phone on the following dates and times : XX/XX/XXXX at XXXXXXXX XXXX XXXX at XXXXXXXX XXXX XXXXXX/XX/XXXX at XXXXXXXX XXXX XX/XX/XXXX at XXXXXXXX XXXX On XX/XX/XXXX, I sent a formal cease communication request via certified mail ( USPS Certified Mail Number : XXXX ). In that letter, I clearly stated that all future communications must be made in writing only and that phone calls were not permitted. Despite receiving this notice, Thomas George & Associates has continued to contact me by phone. This ongoing behavior is unwanted, constitutes harassment, and is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from continuing communication after a consumer has requested, in writing, that contact cease or be limited. I am requesting that this company immediately stop all phone communication and comply with my written request. I also request that appropriate action be taken to address these violations. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint against American Express for deceptive and unlawful practices regarding an expired prepaid card, and for refusing to reissue the card or refund the remaining balance, which violates consumer protection laws. I am a resident of California and the lawful holder of an American Express prepaid card ( Card number ending in XXXX ). The physical plastic card had an expiration date of XX/XX/XXXX, but there is a remaining balance of {$25.00} on the account. When I contacted American Express customer service on XX/XX/XXXX to request a replacement card or a refund of my unspent funds, the representative refused to reissue the card or provide access to the remaining balance. AMEX claimed that because the card had expired, the funds were no longer accessible to me. This practice is unacceptable and violates California consumer protection standards. While physical general-purpose prepaid cards may bear an expiration date for the plastic itself, the underlying funds belong to the consumer and do not simply disappear. Under California law, funds loaded onto prepaid and gift cards are heavily protected against arbitrary expiration. Furthermore, under the federal Credit CARD Act of XXXX, underlying funds on prepaid and gift cards are protected for at least five years from the date of activation or the last time funds were added. AMEXs refusal to honor the underlying monetary value or provide a replacement card deprives me of my rightful funds and constitutes an unfair, deceptive, and abusive act or practice ( UDAAP ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I am disputing an alleged debt being collected by Diversified Adjustment Service , Inc. on behalf of XXXX XXXX. I have never opened, authorized, or used any account with XXXX XXXX, and I do not recognize this debt. I believe this may be the result of identity theft or incorrect information being attributed to me. I previously contacted the company and requested full validation of the alleged debt, including a signed contract, complete account details, billing history, and proof of identity verification. The company failed to provide this information. Instead, they provided inconsistent and inaccurate information. In one communication, they stated that the last payment on the account was XX/XX/XXXX. However, the written notice they provided shows that the account dates back to XX/XX/XXXX. These conflicting timelines raise serious concerns about the accuracy and reliability of their records. The documentation provided is only a collection notice and does not include any evidence that I opened or authorized this account. No signed agreement or proof of identity verification has been provided. Despite my dispute, the company continues attempting to collect this debt using inaccurate and unverified information. I am requesting that the company conduct a proper investigation, provide full validation of the debt, and cease all collection activity if the debt can not be verified. I also request that any inaccurate information related to this account be removed from all records and credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am a long-term Capital One customer with multiple accounts. I am filing this complaint regarding a " Capital One Offer '' for XXXX ( {$25.00} back on a $ XXXX purchase ) that the bank has failed to honor. On XX/XX/XXXX, I activated the offer ( Reference ID : XXXX ) and soon after completed a {$94.00} purchase in the same browser window. The transaction posted to my statement dated XX/XX/XXXX. Despite following all requirements, the reward never applied. My account portal shows the shopping trip status as " Waiting '' under " shopping trips without purchase, '' which means my purchase has never been tracked correctly. I have contacted Capital One 5 times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX twice and XX/XX/XXXX. Agents and supervisors have provided conflicting timelines ( 30 days, 45 days, and now 90 days ). It has officially been over 45 days since the transaction posted. Moving the timeline to 90 days appears to be a deceptive tactic to avoid paying advertised rewards. All of the agents were able to see my shopping trip records and I also have a screenshot at the time of activation. They also verified the transaction on the statement. Yet, they refused to manually verify and credit the account. They were claiming that its status was pending because the merchant " XXXX '' has not determined the eligibility yet. So I called XXXX as well to verify the information but I was told that XXXX does not determine the eligibility, but Capital One does. Either way, my purchase has not been correctly tracked to begin with. So waiting another 45 days would not resolve the issue. Only one out of 7 agents understood my situation and showed empathy saying his supervisor would be honoring the rewards but unfortunately she did not, and told me to wait another 45 days for the shopping trip never tracked correctly. I am regretting making unnecessary purchases because of the offer. And I no longer trust Capital One after these interactions with multiple agents giving me conflicting information without willing to help their loyal customer.

Company response to consumer: Closed with monetary relief