vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I previously filed a CFPB complaint against Midland Credit Management regarding Account XXXX, a collection account for {$11000.00} that Midland claims to have purchased from XXXX XXXX. That complaint was assigned complaint number [ INSERT FIRST COMPLAINT NUMBER ]. In that complaint I requested complete debt validation under 15 U.S.C. 1692g, specifically the original signed credit agreement, chain of ownership documentation establishing Midland 's legal right to collect Account XXXX, a complete payment history from origination to present, and an itemized breakdown of the {$11000.00} balance. I also raised the issue of duplicate reporting, noting that XXXX XXXX. is simultaneously reporting the original charge-off account ( Account XXXX, balance {$20000.00} ) on all three credit bureaus for the same underlying obligation. Midland Credit Management responded to that complaint on XX/XX/XXXX and provided a single XXXX billing statement dated XX/XX/XXXX showing a balance of {$11000.00} on a XXXX XXXX XXXX XXXX account ending in XXXX. This response does not constitute debt validation under 15 U.S.C. 1692g. A billing statement from the original creditor does not establish the following : the original signed credit agreement between the consumer and XXXX, the chain of ownership showing that XXXX sold this specific account to Midland Credit Management and that Midland has the legal right to collect it, a complete payment history from account opening through charge-off, or an itemized breakdown of how the {$11000.00} balance is composed including all principal, interest, fees, and charges. Midland provided none of these documents. Midland also did not address the duplicate reporting issue with the original XXXX charge-off Account XXXX continuing to report a {$20000.00} balance on all three bureaus simultaneously with Midland Account XXXX. Midland Credit Management is continuing to report Account XXXX on my XXXX XXXX XXXX credit reports without having provided valid debt validation and without having resolved the cross-bureau inconsistency on Account XXXX, which shows XXXX payment history on XXXX while showing active collection markers on XXXX XXXX XXXX. Midland 's failure to provide valid debt validation while continuing to report this account is a violation of 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: PA

Complaint narrative:
XXXX I received a phone call from from Hunter Warfield saying I owed debt, so I asked for a debt validation letter. They told me they could only email it to me at the time. I provided my email then requested that it be mailed to me to my home address and they never emailed it or mailed it. I also requested that they only communicate via US mail moving forward, they never mailed me anything, then today XXXX they called me trying to ask me more questions. I have no knowledge of this debt and they will not verify that it actually belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, account XXXX I had a account ending XXXX which was recently closed, I sent couple XXXX $ XXXX to my sister so she let me stay in her apartment then she throw me out, and I contacted the XXXX and us bank claim department, and filled a claim then shortly after XXXX min after I called back XXXX and us bank claim dept, letting them know that it was misunderstanding, it was my sister family and it was resolved and requesting to close the claim, I couple times called said to them it was misunderstanding please dont proceed with the claim however it seems like it went through since I received a letter to my mail address stating the claim was denied after investigation, this exhibits that after I requested couple times to cancel the claim, the claim department handled negligently and they didnt cancel the claim after it was requested to cancel the claim couple times. and they investigated me and my sister then they denied it, its very unpleasant and shortly after they closed my account and my sister XXXX account was also closed shortly after along with her XXXX. I really dont know why my claim was improperly handled and after I requested to close the claim couple times and they havent canceled. please know that this can lead to lawsuit. I am very familiar with judicial process and paralegal, I had a case XXXX XXXX against City and state. As I said I am just contacting to make a complaint and investigation, I dont have intention to appeal reopen the account. I am very happy that we ended costumer relation but this complaint is because of repeated negligent action which I requested couple times to close the claim shortly after it was filled but they didnt cancel as per my request. And they closed my account and my sister account. I have call log history and letters to show in court Investigation, putting a note that this guy shortly after the claim was filled called and let them know it was misunderstanding, it was my sister and it was resolved requesting to cancel and withdraw the claim but they negligently didnt cancel the claim as it was requested and they pursued with invalid investigation and they closed my account and my sister XXXX account and flagged her XXXX account, I really happy that the Us bank closed my account and ended costumer relation with me, I am XXXX times lottery winner, multimillionaire with XXXX citizenship, I just want to make a note in XXXX XXXX that they wrongly didnt cancel the claim and lead to closure of my sister XXXX account and flagged my sister XXXX account please make a investigation or it can lead to lawsuit

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 2026-04-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> I tried to apply for chase sapphire XXXX card, after seeing I womt be getting welcome bonus offer. And I withdrawn, and In few minutes a account was opened, that wasn't fully not authorized by me, I contacted customer service to consult there marketing team, if a bonus offer could be applied or another option to have hard inquiry and account off my report, and they couldn't do neither, I'm considering to resolve this issue, by there offer to get this account closed and off the with hard inquiry removed or apply the welcome bonus offer so I can continue use the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding credit reporting by Upgrade Inc.. A payment for my account was due on XX/XX/2026. Due to a temporary issue, the payment was made on XX/XX/2026, bringing the account fully current. The balance has since been resolved in full. Following payment, I contacted the company to request consideration for a goodwill adjustment, as this was an isolated incident and the account is now in good standing. The company acknowledged the account is paid but stated they do not participate in goodwill adjustments and declined to review the request further. I am not disputing the historical accuracy of the reported late payment. However, I am requesting a fair review of the continued impact of this reporting given that : The account has been fully paid and resolved This was a one-time occurrence The current reporting is significantly impacting my ability to obtain financing I am requesting that the company conduct a reasonable review of this situation and consider a goodwill adjustment or any available option to reduce the negative impact of this item on my credit report. I would appreciate a response from the company addressing whether any exception review process is available in cases where accounts have been fully satisfied and are otherwise in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: NC

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX UNIVERSITY XXXX XXXX XX/XX/XXXX -- {$1500.00} XXXX XXXX FIN XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$18000.00} XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$41.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX -- {$240.00} XXXX BANK XXXX XXXX XX/XX/XXXX XXXX {$970.00} XXXX XXXX XXXX/ XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX XXXX {$430.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Subject : Escalated Complaint XXXX XXXX Failure to Properly Investigate Disputed Digital Transactions I am submitting an escalated complaint against Capital One regarding their handling of multiple disputes involving transactions made with a XXXX ( XXXX ) merchant. Capital One denied my disputes on the basis that the digital goods were received. However, this conclusion is fundamentally flawed and ignores the actual nature of the transaction and the service provided. Shortly after these purchases, the merchant permanently banned my account and revoked all access to the digital goods and services I paid for. As a result, I no longer have possession, access, or any ability to use the items purchased. In practical and economic terms, this is no different from not receiving the goods or services at all. Capital One failed to evaluate this critical fact. Their investigation appears limited to confirming initial delivery, without assessing whether the merchant fulfilled their obligation to provide continued access to the purchased digital content. This reflects a serious deficiency in their dispute resolution process, particularly for digital transactions where continued access is essential to the value of the purchase. By ignoring the merchants unilateral revocation of access, Capital One has effectively allowed the merchant to retain payment while depriving me of the benefit of my purchase. This outcome is inconsistent with basic consumer protection principles and raises concerns about unjust enrichment. I respectfully request : XXXX. A full and independent reinvestigation of all disputed transactions XXXX. Consideration of the merchants account ban as a failure to provide the purchased service XXXX. Immediate reversal of the charges if the merchant can not demonstrate that I retain access to what I paid for XXXX. A detailed explanation of the policies, evidence, and reasoning used in denying my disputes If Capital One maintains its position, I request that they clearly explain how a transaction can be considered fulfilled when the consumer is permanently denied access to the purchased goods. This situation sets a dangerous precedent where merchants can revoke access after payment without consequence, leaving consumers without protection. I expect a timely and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/year>, I was charged {$89.00} for Order # XXXX placed through a XXXX store. My confirmed shipping address was in XXXX, IL. XXXX tracking number XXXX shows the package was delivered to XXXX, Kentucky on XX/XX/year> not my address. I never received the item. I attempted to contact the merchant at the email address provided. All emails bounced back with a mailer-daemon error stating the address was inactive. The merchant 's storefront has since become completely unavailable, consistent with a fraudulent operation. I filed a dispute with Capital One, which was denied with the stated reason that the transaction was valid based on merchant-provided information from a merchant whose contact email was already dead and whose store no longer exists. I submitted a formal escalation on XX/XX/year> with full documentation including the order receipt, XXXX tracking, and bounce-back emails. I submitted a second final appeal on XX/XX/year>. I have received no substantive response to either escalation. A Capital One phone representative advised me to continue emailing until I received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Risecredit, LLC
State: CA

Complaint narrative:
i am filing a formal complaint against Rise Credit ( and XXXX XXXX current holder ) for illegal 're-aging ' and inaccurate reporting in violation of the Fair Credit Reporting Act ( FCRA ). I have evidence ( attached screenshot ) showing this account was previously 'Closed. ' The original delinquency occurred over XXXX years ago, making this debt obsolete for credit reporting purposes. However, the company has recently 'reopened ' or updated the status to appear as a current or recent delinquency. Under the FCRA, the XXXX reporting clock starts at the Date of First Delinquency and can not be restarted or manipulated by 'reopening ' a closed file or selling the debt. Furthermore, this debt is past the XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX and is legally unenforceable. The company is intentionally reporting inaccurate dates to bypass federal consumer protections. ''

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: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
XXXXCredit Card Scam XXXXCall received claiming they were CITI BankXXXXCase Number XXXXCredit Card Number XXXX XXXX XXXX XXXXXXXX XXXXIssue Date XXXXApplication Date XXXXI called the FBI, myself and was directed by Agent XXXX to submit this claim'

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 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The inquiry was not authorized XXXX XXXX XXXX XX/XX/year> Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XX/XX/year> Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX XX/XX/year> Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove this inaccurate information from my credit report. XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please remove this inaccurate information from my credit report. XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX Account Number : 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 Please remove it from my credit report. XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. XXXX. The following account is not mine XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.

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 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX claims that they are a debt collector representing Synchrony Bank. I first received a postcard by mail claiming this on XX/XX/XXXX and promptly emailed them a letter disputing the debt, informing them that I am a victim of identity theft. I also requested they validate this debt, which they only partially did. I called them at the number provided on XX/XX/XXXX to follow up and request what information they needed from me to prove this fraud and identity theft to them. After obtaining permission to record, the rep told me to send as much evidence as I had. I asked if I could have a few days time to do this as I was dealing with another time urgent matter. On XX/XX/XXXX at XXXX I emailed them copies of my full FTC identity theft report, my IRS affidavit, proof of freezing my credit reports, my recent experian scan showing that my info is still available for purchase on the dark web, police report, letter from XXXX XXXX admitting to the data breach, and communications with the XXXX XXXX : XXXX insurance that someone took out in my name as well as terminating that fraud insurance. Per their suggestion I called the XXXX to make a new police report and met with XXXX XXXX XXXX XXXXXXXX XXXX police department on XXXX. But apparently on XX/XX/XXXX, XXXX already generated a pack of information about their intentions to sue me. I did not receive the pack until XXXX, which is part of what prompted me to speak to the police. I showed the police that XXXX was demanding that I send them a full copy of my unredacted SSN card, and complete forms with further sensitive information about account numbers, addresses when used etc. XXXX advised me that under no circumstances should I send them any of this info, informed me that if they were legitimate they would already have the info. Seeing the dates in question on the statements provided by XXXX, she noticed it overlapped with when my identity was just stolen between the XXXX XXXX breach and XXXX XXXX XXXX XXXX breach. She updated my original police report instead of generating a new one. On XX/XX/XXXX I emailed XXXX again to inform them of what the XXXX said and that I would not be providing that info because what I already had provided should suffice. XXXX never fully validated the debt. They included a bill of sale but no where does it show that they have authorization for this specific debt. Additionally, they were informed multiple times this was a result of fraud and identity theft. The way they spell my name is WRONG on all documents by the way. It does not match my XXXX. When I spoke to rep over the phone on XX/XX/XXXX he repeatedly referred to me as XXXX. It's clear they do not have the right person. This debt is not mine and they should not be coming after me for it.

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 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
We initiated a phone call to Capital One Auto on XX/XX/year>, when an insurance claim we need to file revealed the VIN on the vehicle does not match the VIN on our title nor our loan nor the sales documents. We have called Capital One numerous times ( at least XXXX ) over several weeks. Each week we were told the VIN would be corrected within XXXX business days. On XX/XX/XXXX late in the evening we called the dealership, XXXX XXXX XXXX XXXX XXXX. They had no idea there was a problem. Immediately they spoke with their dedicated Capital One representative. On XX/XX/XXXX we went to the dealership and signed documents with an ink pen. They were delivered at Capital One on XX/XX/XXXX at XXXX, but Capital One claims they have no documents. We need our VIN corrected immediately at the XXXX XXXXXXXX XXXX XXXX XXXX or be provided with another vehicle that will match this VIN. The process at Capital One requires no less than XXXX transfers on each call, repeating the problem each time consuming approximately XXXX hours to be told they have no resolution, they do not know exactly what needs to be done for resolution, and they continue to tell us it will be a week. The dealer has been given the wrong resolution.

Company response to consumer: Closed with explanation