vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am disputing the fact that on my credit report, the charge-off status is not correct, it's false, considering the payments I have been making, I got on a hardship plan with XXXX, which dropped my interest rate to a low rate I feel this is not fair to me considering i have been making an effort to pay back this debt that all isnt mine but i am sadly stuck paying it I am victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: MO

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Re : Validation for account # To Whom It May Concern : This Letter is being sent to you in response to a list on my credit report. This is not a refusal to pay. But a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting, " verification '', I am requesting a validation that is competent evidence that i have some contractual obligation to pay you. Please provide at least the following information within 30 days from the date your receipt of this request for validation. XXXX. Name and address of alleged creditor XXXX. Name on file of alleged debtor XXXX. XXXX Account # XXXX. Address on file for alleged debtor XXXX. Amount of allege debt XXXX. Date that this alleged debt became payable XXXX. Date of original charge oof or delinquency XXXX. Copy of the contract and any amendments as this will show what the terms of the contract and so I can see if you are following this in the amount you are trying to collect from XXXX. Statements related to this alleged debt because I need to see all charges, payments, credits, etc., to compare this with the contract and see if the amount you are claiming is correct. XXXX. Was this debt assigned to a debt collector or purchased? XXXX. Purchased agreement if the debt was purchased so that I can see if you really own this debt XXXX. Agreement that bears the signature of this alleged debtor wherein he or she agreed to pay creditor, If your office fails to respond to this validation requestion within 30days from the date of your receipt, all references to this account must be deleted and completely removed from any credit fil and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: MO

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and XXXX, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Hello, Attached is my written request for debt validation regarding the account ending in XXXX that is being reported on my credit report. Please review the attached letter and provide all requested documentation and verification regarding this account. I request that all correspondence related to this matter be provided in writing. Please confirm receipt of this email and the attached document. Thank you for your time and assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My daughter received a fraudulent XXXX generated check claiming to be a scholarship and deposited. The person then hacked her XXXX account and sent it to themselves. My daughter reported the fraud to PNC and XXXX and filed a police report. My daughter then received her first direct deposit paycheck which Pnc held for payment. They then proceeded to go into my account and. Hold payments and then close almost all my daughters accounts. They have yet to give us any information about their investigations or any information on what money they are taking out they are just randomly emptying my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
CFBB About XXXX weeks ago, I applied for online banking with Huntington because it was compatible with the sports betting app I have used for years ( XXXX ). I was able to add my debit card to my apple pay wallet and transfer money, then a transaction didnt go through. I got an email from Huntington asking if I authorized it and to call in if so, and I did so they said I could try again in XXXX hours after being on the phone with them. I tried again about XXXX hours later, and it didnt work. Thats when I called in, and they said they placed a hold for security purposes. I asked why, and they said they can't cerify me unless I come into a branch. This is when I researched a branch nearby, and it is XXXX and XXXX XXXX away. I have XXXXXXXX XXXX on the checking account. I was previously able to verify myself on the phone with my phone number, but after being on the phone with multiple representatives telling me different things, my number had been removed by one of them at some point, which didnt allow me to verify my identity through the phone. I have my license to provide, I have all documents to verify that I am XXXX XXXX, but i've been told I must come out to a branch to lift the hold. So then I asked to close the account and transfer to my bank thats closer to home, and they repeated that I must come into a branch to physically identify myself because my account is " at risk and/or compromised ''. Which made absolutley no sense to me when I have been the one authorizing transfers and transactions, and keeping up with calling to maintain my account and identity. I want a better solution than what Huntington Bank has provided me. I would like to recieve my funds transferred to my XXXX XXXX XXXX XXXX, and I would like for them to verify me through phone, video call, or anything other than traveling. I have no car/transportation, so for me to get over to this bank would be almost impossible. That money is also very needed for upcoming fines. I just would like to know better options or possible solution to this problem. I was also given a refrence number for my case, and told to call in for updates. I called in today, and was told that they didnt know why I even opened a case when I was told to come in a branch. I told the lady, the last representative opened the case for me saying they would escalate the situation and find better options. Which I was let down this morning when the lady on the phone said that was basically pointless so I hung up and looked up what I can legally do to get my money back through a complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
THIS ACCOUNT IS REPORTING LATE PAYMENTS THAT DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY. THE INFORMATION IS MISLEADING AND DAMAGING TO MY CREDIT PROFILE. I AM FORMALLY DISPUTING THESE ERRORS AND REQUEST THAT THE ACCOUNT BE CORRECTED OR REMOVED IF IT CAN NOT BE VERIFIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate and unverified information currently reporting on my credit file. Under my rights granted by the Fair Credit Reporting Act, I am requesting an investigation into the following account ( XXXX ). Account Name : 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 XXXX XXXX XXXX XXXX Reason for Dispute : This account is inaccurate and has not been properly verified. According to Section XXXX of the Fair Credit Reporting Act, you are required to conduct a reasonable investigation of any information that I dispute. I am requesting that you provide documentation verifying this account, including the original contract bearing my signature and proof that the reporting party has the legal authority to collect this alleged debt. Additionally, under Section XXXX of the Fair Credit Reporting Act, I request disclosure of all information in your files regarding this account, including the source of the information and the method of verification used. If the furnisher of this information can not provide sufficient documentation verifying the accuracy and completeness of this account, the FCRA requires that the account be deleted from my credit file immediately. Please complete your investigation within the XXXX period required by federal law and provide written documentation of the results. Failure to comply with this request will result in additional complaints filed with the appropriate regulatory agencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: MO

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. They didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
We have a company card for Home Depot with a XXXX limit, they went over the limit by roughly XXXX with no notification or communication. Seeming that this amounts to 80 % over limit expansion, without notification, this constitutes predatory lending practices. We contacted XXXX and they say it just happens.

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 2026-06-11 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding deferred interest charges assessed on my promotional financing account with Comenity Capital Bank. I accepted a promotional financing plan that was presented to me as payments over a two-year period. My understanding was that I would make the required payments during those XXXX years. I enrolled in automatic payments and consistently made my payments throughout the promotional period. I often paid more than the minimum payment due and acted in good faith at all times. I was shocked to discover that approximately {$2600.00} in deferred interest charges were added to my account when there was only about {$580.00} remaining on the balance. These charges were unexpected and disproportionate to the remaining amount owed. I believe the marketing and explanation of the financing program were confusing and did not clearly communicate the consequences of having a remaining balance at the end of the promotional period. I do not recall being clearly informed that a relatively small unpaid balance could result in thousands of dollars in deferred interest charges. I was enrolled in electronic communications and automatic payments and did not receive a clear warning that XXXX my attention to the approaching promotional expiration date or the significant financial consequences that would result if the balance was not paid in full. I attempted to resolve this matter directly with Comenity Capital Bank. I submitted disputes and contacted customer service multiple times. However, I felt that my concerns were not properly addressed and that I was repeatedly redirected rather than provided with a meaningful review of my situation. I was ultimately told to submit additional written disputes after previous disputes had already been denied. Additionally, I am still in the process of receiving the services associated with the financing arrangement, making these unexpected charges even more concerning. I respectfully request that the CFPB review whether the promotional financing terms, disclosures, marketing, and customer service practices were fair and adequately communicated. I also request that Comenity Capital Bank reconsider the deferred interest charges and provide appropriate relief based on my payment history, good-faith efforts to repay the account, and the circumstances described above. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: CO

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing a formal consumer complaint against Klarna Inc. regarding a XXXX installment financing loan for order number [ INSERT YOUR NEOSABER ORDER NUMBER ], placed on [ INSERT ORDER DATE ]. The merchant associated with this transaction is Neo Sabers ( neosabers.com ). I am invoking my rights under federal law and the CFPB 's rules regarding Buy Now, Pay Later ( BNPL ) lenders, which mandate that providers must thoroughly investigate merchant disputes and offer refunds for defective goods. # # # The Facts : 1. I originally opened a transaction dispute within the Klarna app because the item had not arrived by its promised date. 2. When the package finally arrived, I prematurely manually closed the shipping/delivery dispute, assuming the contract was fulfilled. XXXX. Upon opening the package and testing the merchandise ( a XXXX XXXX XXXX ), I discovered that the item is physically defective. The tip of the XXXX blade remains completely XXXX and unlit. XXXX. I have fully charged the battery to 100 % and calibrated the hardware firmware via the official XXXX XXXX XXXX app. The app verifies full battery power, yet the hardware tip remains dead, confirming a localized internal circuit break or manufacturing defect. XXXX. The merchant ( Neo Sabers ) has completely cut off customer communication and is ghosting my multiple support tickets. # # # The Violation : I contacted Klarna 's customer service department to update my dispute to " Merchandise received damaged or not as described. '' Klarna agents refused to assist me, stating that because the initial delivery dispute was closed, their automated system is permanently locked and can not reopen or file a new dispute for this transaction. They instructed me to " resolve it with the merchant, '' despite the merchant being entirely non-responsive. Klarna is actively trying to enforce a XXXX consumer loan on a defective product while using a self-imposed, locked automated app button to circumvent its legal obligation to investigate consumer disputes. Klarna order reference : XXXXXXXX XXXX XXXX XXXX Desired Resolution : I request that Klarna immediately pause my XXXX payment schedule, manually override their system block to log a " Significantly Not As Described '' investigation, and cancel the loan balance upon verification of this defective merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: UT

Complaint narrative:
I got a call for a debt from a furniture company called acima. From a couch and other furniture purchases. It was fraud. I reported it and they are still 3 years later trying to get me to pay for something I did not buy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
On XXXX XXXX I was alerted that my credit score went down from a XXXX to a XXXX due to XXXX delinquent loan accounts. I later investigated and found out that I had overdue student loan payments through XXXX that I was never told about. I had never received any correspondence that these payments were due/ that I was late on payments. I never received anything in the mail, email, or texted about this. On the phone with a representative I was told that they called me, but never left a message. I have never made a late payment in my life, I am always up to date on payments. This would not have been an issue if they would have just communicated with me which they didnt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My social security was stolen and a Home Depot credit card application was submitted and approved by XXXX XXXX in XXXX of 2026. When I received the approval letter from XXXX XXXX in XXXX of 2026, I did contact XXXX XXXX to report the fraudulent application. I also put a freeze on my credit with all 3 credit bureaus, XXXX, XXXX, and XXXX at the same time. In XX/XX/year>, I received a statement from XXXX XXXX for a balance of {$3600.00}. I contacted XXXX XXXX again on XX/XX/year> to report and dispute. XXXX XXXX acknowledged my report and currently doing investigation on the issue. During the same time in XX/XX/year>, I also received a letter from XXXX, denying a credit application submitted to them without my knowledge. I did not take any actions with XXXX due to the denial letter. Per XXXX, XXXX also ran a credit check on me, which I assumed a credit application was submitted, also without my knowledge. This is another case of identity theft I want to make everyone aware of. Thank you for your time.

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 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Hello, Attached is my written request for debt validation regarding the account ending in XXXX that is being reported on my credit report. Please review the attached letter and provide all requested documentation and verification regarding this account. I request that all correspondence related to this matter be provided in writing. Please confirm receipt of this email and the attached document. Thank you for your time and assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief