vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit 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: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
Concora credit has failed to handle my dispute properly for the tenth time. I made a dispute for two items. The company continued to fike dispute for wrong items and the wrong reasons. I did not say that I did not authorize the transactions. Please refer to the previous complaint and my faxed explanation of the dispute with the pictures and proof. My dispute was processed timely and with proof an an accurate account of the dispute. This company has failed to process it correctly and according to credit card agreement. If this isn't resolved timely legal action will commence. The photos and proof show the disputes was processed incorrectly again. The pictures show proof of a bracelet that was supposed to be gold turned copper and missing item.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/XXXX XXXX, I made a purchase on my Home Depot Credit Card with a XXXX % interest for 1 year promo. There is nowhere for me to pay off this promotional balance. On the app or onmy computer. when i called the number on the back of my card I was redirected in a continuous loop when I called to set this up. Online has been no help and i can't talk to anybody. I feel they will benefit from the back interest charge they will bill me for because there is nowhere to set up payments or pay off the balance. This was deceitful to lure me to spend with an almost XXXX % interest charge.

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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Winklevoss Exchange LLC
State: TX

Complaint narrative:
In XX/XX/year>, I deposited {$22000.00} into my Gemini account. On or around XX/XX/year>, I attempted to withdraw my full balance. Gemini permitted an initial withdrawal of {$5000.00} but then placed my account on hold and blocked all further withdrawals without adequate explanation. When I contacted support ( Ticket # XXXX ), I was told I needed to return the original {$5000.00} withdrawal before they would release my remaining funds. Those funds were legitimately withdrawn and are no longer available. My remaining balance is approximately {$17000.00}, reduced from the original amount due to XXXX price fluctuations during the hold period. I completed identity verification as requested and followed up repeatedly through proper support channels. As of the date of this complaint, my funds remain frozen and Gemini has not provided a lawful basis for the hold or a clear path to resolution. I have also filed a complaint with the XXXX XXXX Department of Financial Services ( XXXX Case No. XXXX ) on XX/XX/year>, which remains open. I am requesting that Gemini immediately release my remaining balance and permit full withdrawal to my original bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have an account that has reflected on my credit in which I have zero knowledge of the account and need it removed immediately from my credit report. This should have never been reported on my account because I have zero knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: NY

Complaint narrative:
Barclays has responded to my initial complaint but only partially resolved the issue. They reversed some charges but denied the remaining balance of {$450.00} based on the same false premise that " the card was in my possession. '' Fact : All charges were on the SAME replacement card that was mailed to me and never received. It is logically impossible for me to have possessed the card for the approved charges but not the denied ones. Action Taken : I have sent a formal Supplemental Appeal Letter via Certified Mail to Barclays ' Executive Office demanding full reversal of the remaining {$450.00}. I am requesting the CFPB to intervene and ensure Barclays applies consistent logic to all transactions on the compromised card. Awaiting Barclays ' response to the supplemental appeal.

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 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MA

Complaint narrative:
I was looking to purchase a ticket from presumably a real person. I reached out to this person via phone number and from there we chatted about the details about the transaction. We had both settled down on the cost of a single ticket for it being {$200.00} dollars. However, things begun going down hills from here. The seller reported to me that she had issue sending me the tickets using the XXXX app. Shortly after, I demanded the {$200.00} money back. Allegedly, the money was sent back to me through a business Zelle account her side, but instead of the money, what I received was a XXXX with the Zelle logo on it saying something like : " I was demanded to send back a fixed quantity amount of money to expand my credit to be able to receive the {$200.00} ''. I have received two of this Zelle logoed XXXX, and it was then that I realized it was a fraud. By this time I have already sent them, the initial {$200.00}, {$500.00}, {$500.00}, {$300.00}, {$300.00}. A total of {$1800.00} in exchange for a ticket that hasn't been sent to me. I reported this circumstances with the bank associated in this transaction, but their responses were that since I initiated and authorized the transaction, they couldn't do anything in recovering these money. The scammer information includes : phone # ( XXXX ), XXXX # ( XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
To : Midland Credit Management I am writing to formally dispute the account being reported by Midland Credit Management on my credit report in the amount of approximately {$620.00}, allegedly associated with XXXX XXXX XXXX and reported as beginning on or about XX/XX/2022. I have reason to believe this account is the result of identity theft and was opened and/or used without my knowledge, authorization, or consent. I did not apply for, authorize, or benefit from any account with XXXX XXXX XXXX that resulted in this debt. Therefore, I am not responsible for the balance being reported. Under the Fair Credit Reporting Act ( FCRA ) and applicable identity theft protections, I request that Midland Credit Management conduct a thorough investigation into this matter and provide documentation proving that I am legally responsible for this debt. Specifically, I request copies of : XXXX The original signed application or contract. XXXX Documents bearing my signature showing authorization of the account. XXXX Complete account statements from the original creditor. XXXX Any records verifying my responsibility for the alleged debt. If Midland Credit Management can not provide sufficient evidence that I am the rightful account holder, I demand that this account be immediately removed from all consumer credit reporting agencies, including XXXX XXXX and XXXX, and that all collection activity cease. I respectfully request written confirmation of the results of your investigation and notification that the account has been deleted from my credit profile if it can not be properly verified. Thank you for your prompt attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
My car is not drivable. Credit acceptance will not work with me, to either put payments on hold or lower it, so I can fix my car. They told me they do won't do that or refinance. I am on fixed income, due to XXXX, and because of the XXXX monthly bill, I'm lucky if I have even {$20.00} left for the month. When I bought the car, they did not even tell me the monthly payments .I did not know until I got the first bill. They only asked for the down payment. I really try to be a good person and not cause unnecessary problems. But I, also, should not have to do without vehicle because I trusted the car lot and credt acceptance to be legitimate and reliable. Guess I was wrong!!. Warranty is thru XXXX. No one around my area accepts them at all. I called XXXX, they can not even tell me any repair shops that accepts them I have no way to get to XXXX XXXX XXXX or even get groceries.

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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Date mailed : XX/XX/year>6 RE : Investigation Request Under FCRA 609 Unable to Verify Accounts To Whom It May Concern : I am disputing the following account on my credit report as they are unable to be verified : Please provide documentation used to verify these accounts, including any signed contracts or agreements. If not verified within 30 days, they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Alliant Capital Management LLC
State: CA

Complaint narrative:
Alliant Capital Management keeps calling my family member about my personal information. Please stop calling them to contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Finance of America Holdings LLC
State: GA

Complaint narrative:
I am XXXX XXXX I have a reverse mortgage with Finance of America through reverse mortgage servicing. My house burned down a few months age and my insurance company paid a total loss on my house. Check was made to me and Finance of America, Finance of America required me to mail endorsed check to them and stated they would use check to pay balance off and send me refund of difference. Check was received by them ( loss draft department ) on XX/XX/XXXX, initially they ( loss draft dept. ) stated it would take 5 business days for check to clear then proceeds would be sent to customer service to pay off balance and send refund check to me. On 6th day they stated it would actually they apologized now take 10 days then check would be sent to payoff dept. On 11th day and now 14th day they don't know what the status of the check is and they don't know why it still hasn't cleared. All they keep saying is it could take 30 days now ironically since they have gone from XXXX, now XXXX my balance for loan is 10 % of the check amount and i can't buy another house until I get the refund. I have asked for a supervisor multiple times and there has not been one able to speak to me yet. All i get is a supervisor will call me, but they don't do that either, i haven't received any calls from them. I feel like I am being taken advantage of and treated unfairly. Every day my mortgage is not paid off my balance goes up and whoever is in charge of the escrow account where my large check was deposited into is making money on interest. Please help...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I was told there was a car Loan on my account and I dont know when and where it came from. Its stopping me from getting a car loan for my self and by my self. Ive never had a car loan before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westcreek Financial
State: NV

Complaint narrative:
I had car repairs done to my car and I didn't have the money to pay the mechanic shop right away ( about {$2500.00} ). They offered me a finance option through a 3rd party source through Koalafi. i took it and 90 days after I took the finance option they doubled my payment because I didn't pay it off early. There was also a fee if I paid it off early. The {$2500.00} bill doubled to {$5000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Formal Complaint against JPMorgan Chase Bank , N.A . for Mismanagement of Debit Card Dispute, Unlawful Denial of Reopening, and Violation of Regulation E ( Electronic Fund Transfer Act ). Description of the Event : I am filing this formal complaint against JPMorgan Chase Bank , N.A . regarding their negligent handling of a debit card dispute. Chase has fundamentally failed to protect my consumer rights under Federal Regulation E ( 12 CFR Part 1005 ) and XXXX network operating regulations. The dispute involves two specific debit transactions pulled directly from my checking account via my XXXX XXXX XXXX ( ending in the last 4 digits : XXXX, totaling {$130000.00} and {$160000.00}. These point-of-sale ( POS ) purchases occurred on XX/XX/year> with the merchant XXXX La XXXX. Due to an issue with the order, I physically returned the merchandise to the store on XX/XX/year>. The merchant accepted the return, processed it according to their policy, and issued formal merchant refund slips ( credit vouchers ) proving the return cycle was completed. However, Chase has failed to post or reflect these returned funds back into my checking account. Chases Regulatory Violations and Mismanagement : Unjust Dispute Denial under Regulation E : I initiated a chargeback claim under XXXX Debit Dispute Reason Code 13.7 ( Credit Not Processed ). Chase summarily denied the claim, choosing to side with a systematic error rather than conducting a proper, exhaustive investigation despite the evidence provided. Refusal to Reopen a Valid Reg E Claim : Upon discovering the denial, I contacted the merchant 's corporate billing department. They formally confirmed that the refunds are fully cleared on their end, explicitly stating that the electronic fund transfer failure or deposit hold resides strictly with the issuing bank ( Chase ). Despite presenting this, Chase customer service management flatly refused to reopen the case, refused to accept my new documentation, and stated they would not log a new claim, leaving my deposited cash wrongfully withheld. Violation of Federal Error Resolution Procedures : Under Regulation E, financial institutions are obligated to investigate documented electronic fund transfer errors thoroughly. By denying a claim where merchant-issued refund receipts are present and refusing to allow an appeal or escalation, Chase is in direct breach of its federal statutory obligations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I applied for a vehicle refinance with Chase, and received approval email that included APR, monthly payment, loan term and deadline to submit the required documentation. The email does not state that I was pre approved, it clearly states that I was approved and outlines the financing offer being extended to me. However, two business days later, when I decided to proceed with the application, I was redirected to a webpage indicating that my application had been denied. This outcome is extremely confusing and appears inconsistent with the approval communication previously received, I would appreciate clarification regarding why an approved offer was later changed to a denial

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: TX

Complaint narrative:
The accounts I am disputing are : Creditor : Zion Debt Holdings Account Number : XXXX Balance : {$200.00} Associated Address : XXXX XXXX, XXXX, TX XXXX Creditor : Zion Debt Holdings Balance : {$270.00} Associated Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: OR

Complaint narrative:
This is continued from previous communications ( CFPB XXXX ) Please reopen this complaint- it has not been resolved. XXXX has not provided proof that the alleged {$10000.00} payoff payment was returned unpaid by the financial institution. The documents provided include a letter dated XX/XX/XXXX claiming that a payment was returned, but XXXX has not provided supporting documentation from the financial institution, a return code, a copy of a dishonored payment, or a complete payment history showing the alleged reversal. In addition, the XX/XX/XXXX letter appears to have been addressed to XXXX XXXX at a XXXX, Oregon post office box he never had and he never lived in XXXX Oregon. We did not receive this notice. This letter is dated a year and a half ago. XXXX has also failed to explain why XXXX XXXX XXXX released its lien, why title was issued, and why no effective notice of an alleged remaining balance was provided before the account was sent to collections and reported to credit reporting agencies. The response provided to the CFPB does not address the core issues raised in our complaint. Instead, XXXX states only that its records are correct without providing the documentation necessary to support that conclusion. I continue to request : A complete payment history for the account. Proof that the alleged {$10000.00} payment was returned unpaid. How the alleged {$10000.00} due later became {$9200.00} due. Documentation showing when XXXX first became aware of the alleged returned payment. Documentation showing all notices sent regarding the alleged returned payment, including the addresses used. An explanation of why the lien was released and title issued if XXXX believed a balance remained owing. We remain in possession of title documentation showing that XXXX XXXX XXXX released its security interest. Until XXXX provides documentation supporting its position, I continue to dispute the validity and accuracy of the alleged debt and related credit reporting. We have received letters from XXXX dated XX/XX/XXXX, stating they furnish information to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They are trying to harm us and not trying to resolve this situation.

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