vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing a complaint against Capital One regarding their improper handling of a billing dispute and failure to honor my stop-payment request. I attempted to cancel my gym membership in accordance with my contract, which does not specify any required days or times for cancellation. I initially went to the gym in person to cancel, but the front desk employee instructed me to cancel via email instead and provided an email address. I followed these instructions and emailed the gym requesting cancellation. In response, the gym informed me that I must cancel in person only during specific hours ( Monday through Friday, XXXX XXXX to XXXX XXXX ). These restrictions are not disclosed anywhere in my contract. As a result, I was unable to complete the cancellation despite making good-faith efforts and following the gym staffs instructions. Meanwhile, the gym continued to charge my account. In XXXX, I submitted a stop-payment request with Capital One to block all future transactions from this merchant. Despite this, Capital One allowed additional charges to go through, including a charge of {$62.00} and ongoing monthly charges of {$37.00}. I disputed the {$62.00} charge and provided Capital One with supporting evidence, including my contract and email correspondence showing I attempted to cancel as instructed. However, Capital One denied my claim and reversed the provisional credit, allowing the merchant to retain the funds. I believe Capital One failed to : Properly honor my stop-payment request Conduct a reasonable investigation of my dispute Protect me from unauthorized or improperly authorized recurring charges I am requesting that Capital One : Refund the {$62.00} charge and any additional charges from this merchant Ensure a permanent block on all future transactions from this gym Correct their dispute handling practices to comply with consumer protection regulations

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Primus Law PC
State: UT

Complaint narrative:
I had a medical debt from XXXX XXXX XXXX XXXX that went to collects with XXXX XXXX XXXX They then hired primus law to sue me for the medical debt. I created a payment plan with primus and was paying my debt but the moment I was behind on my payment ( due date of XX/XX/XXXX and garnishment was approved XXXX ) they filed for garnishment without any attempt to contact me. They simply want you to default so that they can add more fees and Immediately garnish your wages. I had paid down the balance by {$200.00} and now I owe more than the original amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: VA

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
I had a medical debt from XXXX XXXX XXXX XXXX that went to collects with express recovery XXXX. They then hired XXXX XXXX to sue me for the medical debt. I created a payment plan with XXXX and was paying my debt but the moment I was behind on my payment ( due date of XX/XX/XXXX and garnishment was approved XXXX ) they filed for garnishment without any attempt to contact me. They simply want you to default so that they can add more fees and Immediately garnish your wages. I had paid down the balance by {$200.00} and now I owe more than the original amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth:XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX BALANCE : {$1900.00}, XXXX XXXX XXXX : {$1300.00}, XXXX XXXX XXXX XXXX : {$41000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I needed to transfer {$37000.00} from my checking account at XXXX XXXX to my checking account at Bank of America. I went to XXXX XXXX and purchased a Cashier 's Check in the amount of {$37000.00}, then drove to Bank of America and deposited it into my checking account there. I received notification from the teller at Bank of America that their policy was to hold Cashier 's check deposits for 7 days, but they gave me a phone number to call to have the hold lifted. I called that number ( XXXX ) this morning, and they informed me that the reason the funds were being held was that the Federal Reserve had not released the funds to them, and they refused to remove the hold. I then called the Federal Reserve, and they informed me that Bank of America was not being truthful, and that the funds were released 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 explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bilt Technologies, Inc.
State: FL

Complaint narrative:
I tried to make purchase and then my card was frozen. I sent my verification but BILT / XXXX wouldnt re open my account. No one will answer the emails. I have a car service appointment Im trying to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX Credit Acceptance Re : Request for Debt Validation To Whom It May Concern : I am writing regarding an alleged debt that your company claims I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. Please provide the following : * The name and address of the original creditor. * The amount of the alleged debt, including a breakdown of any interest, fees, or other charges. * Copies of any documents bearing my signature that show I am legally obligated to pay this debt. * Documentation showing that your company has the legal authority to collect this debt. * A complete payment history and accounting of the balance claimed to be owed. Until you provide the requested validation, I request that collection activities regarding this account cease as required by applicable law. This letter is not an acknowledgment of liability for the debt, nor is it a promise to pay. I am simply exercising my right to request validation. Thank you for your prompt attention to this matter. I look forward to your response.

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 2026-06-02 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: TX

Complaint narrative:
I have been working with Vanderbilt Mortage to purchase land and a mobile home. I was told the down payment was 5 %. It has taken awhile to get to the closing stage because of the land purchase. I received a loan disclosure on XX/XX/XXXX that said my interest rate was now 10.50 up from previous 9.9 %. The down payment showed 5 % or {$6200.00}. I called immediatley and asked why the interest rate with up. I was told the rate changed, but there was a note already that they were going to honor the 9.9 rate. No mention of any changes in the down payment. On XX/XX/XXXX around XXXX XXXX I recieved a call and was told the down payment was now 10 % down and not 5 %, I asked why and they said the promotion ended. I was not told there was a promotion or told that it would end. I was very upset and hung up. I called back XX/XX/XXXX and questioned the increase of the down payment amount. I was told that the promotion had ended. Again I questioned it and said I was sent a new disclosure on XX/XX/XXXX and it said my down payment was $ XXXX also asked why I had not received something in writing. I was advised since I was told this late on Friday, that I would be receiving an update. It is now XX/XX/XXXX and I have yet to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: KY

Complaint narrative:
The account for my vehicle was paid in full on XXXX. I received a letter dated XXXX acknowledging the account was paid in full. Since then I have continuously requested the copy of the lien release. I was told MULTIPLE times that it was mailed under different time frames. My last request I was told it would take 20 business days to receive. My vehicle was involved in an accident and without the title and lien release the insurance company will not release the total loss payout. I have contacted the DMV who told me Santander had not sent any notice to them. They told me to request the documents via email ; which I have 4 times now. Each time I was again told something different with different time frames and have not received anything. I am XXXX XXXX and without a vehicle during a XXXX XXXX XXXX and can not purchase a new vehicle without the insurance payout and cant do that without the lien release. The representatives with Santander have been awful, rude and useless. I have been hung up on multiple times and they refuse to allow me to speak with a manager or anyone in the title department

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Solar Mosaic LLC
State: AL

Complaint narrative:
This complaint is filed against Solar Mosaic , Inc. ( operating as Solar Servicing ) regarding Loan Number XXXX for violations of the FTC Holder Rule ( 16 CFR Part 433 ) and deceptive debt collection practices. The loan was originated for a principal amount of {$40000.00} to finance a residential solar panel installation by the installer, XXXX XXXX XXXX ( which has since filed for bankruptcy ). A formal public search of the municipal building and electrical permit database confirms that this system was installed completely illegally. Zero mandatory building or electrical permits were ever applied for or issued for this solar installation. Because the system was installed illegally without mandatory municipal safety inspections, it suffered a catastrophic structural and electrical failure, resulting in a fire that created an active life-safety hazard on the property. The company 's official account dashboard currently shows a remaining loan balance of {$37000.00} with a maturity date extending to XXXX/XXXXXXXX, and they continue to collect regular monthly payments of {$200.00}. Under the FTC Holder Rule, Solar Mosaic , Inc., as the holder of the consumer credit contract, is strictly subject to all claims and defenses which the debtor could assert against the seller. A finance company can not legally enforce a contract or collect payments on an unpermitted, illegal home improvement that constitutes a documented fire hazard. I am legally withholding further payments under the Holder Rule due to a total failure of consideration and severe building code violations. I demand that Solar Mosaic , Inc. immediately cease all collection activities, cancel the remaining loan balance of {$37000.00}, and issue a full refund of all payments made toward this hazardous, unpermitted installation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal temporarily blocked my account. They instructed me to do the following to unblock the account : resolve a negative balance ( {$24.00} ), provide a credit card statement, confirm my identity, and update security information. I resolved the negative balance on XX/XX/year> via a debit card payment and the account statement for XXXX, XXXX shows that they received and credited the payment. The remaining requirements were likewise completed and their completion has been acknowledged by Paypal. I have even tried ( unsuccessfully ) to use the website process by which I resolved the negative balance to resolve the negative balance a second time on the theory that it was worth {$25.00} to put this mess behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 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 2026-06-02 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: MA

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XX/XX/XXXXXXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to dispute a collection account being reported by LVNV Funding in the amount of {$800.00}. This account is completely unknown to me, and I do not recognize having any type of relationship with this company. I have also noticed that they are referencing XXXX XXXX, which is concerning because I have never had an account with XXXX XXXX and have never opened any line of credit with them. I am requesting full verification of this account, including clear documentation showing how this debt was established, when it originated, and how it was determined to belong to me. At this time, I have not been provided with any proof, no contract, no signed agreement, and no breakdown of the alleged account. I would also like to understand how this account was verified and allowed to be reported on my credit file without proper supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am getting the run around from Chase Bank XXXX XXXX. I am trying to cash an old check and I am unsure if it was ever cashed previously. I have called 6 times only to be put off for a few more days. Here is the history ; XXXXWas told note being sent to reissue the check XXXX - Was told the check was in the mail XXXX Was told it would take 30 to 45 days to be processed XXXXWas told the check could not be found and to call back in 3 to 5 business days. XXXXWas told today is the 5th business day and that a resolution should be posted today. Therefore I should call back tomorrow. XXXXTold it was resubmitted for reissue once again, 30 to 45 days, no resolution posted as prom used yesterday. There is no end to this, no resolution yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: VA

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: WA

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation