vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ava Finance, Inc
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kikoff Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

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: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I used mobile deposit to deposit a check. The same check I receive every month for years. The hold time given to me at the time of deposit was {$270.00} available the next business day and the rest available on Tuesday XX/XX/XXXX. I later received an email stating that the entire amount was being held until the XXXX with the reg cc reason being they had reason to believe the check wouldn't be payed. That is not correct. I have received the same check every month for years and never once has it been an issue. The bank is using this as a way to intentionally and erroneously hold my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: GA

Complaint narrative:
I am an XXXX XXXX XXXX currently XXXX XXXX on the flight line in XXXX, operating under a primary VA Home Loan ( Loan # XXXX ) serviced by Village Capital & Investment LLC. I am filing a formal federal enforcement complaint for a bad-faith escrow over-collection and systematic violations of the timeline and investigation mandates outlined under the Real Estate Settlement Procedures Act ( RESPA ) Regulation X ( 12 CFR 1024.35 ). Let the record show that this is a long-standing, documented dispute. I formally initiated a written Notice of Error / Request for Information under RESPA Section 1024.35 guidelines directly to Village Capital 's escrow branch on XX/XX/XXXX, at XXXX XXXX. Attached to that original statutory notice was my certified XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Account # XXXX ) explicitly verifying my legal ownership as of XX/XX/XXXX. This closing date satisfies Georgia Title XXXX full-year occupancy rules, legally granting me a 100 % XXXX XXXX " XXXX '' XXXX Exemption for the entire XXXX calendar year. This slashes my real net XXXX XXXX and XXXX liabilities down to zero, leaving a true annual municipal footprint of exactly {$400.00}. Despite possessing my definitive, primary government documentation for XXXX ( XXXX ) calendar days, XXXX XXXX completely failed to perform a good-faith investigation or execute a database override. Instead, on XX/XX/XXXX, at XXXX XXXX, their frontline " XXXX XXXX '' desk issued a formal written refusal to adjust my account. They are baselessly claiming my veteran exemption is " prorated '' and have forced my online portal payment to remain frozen on an unexempted, outdated {$4300.00} annual baseline. To protect my credit rating and prevent an automated late-reporting mark on my profile while managing active airfield operations overseas, I was forced to manually submit an inflated, full-baseline mortgage payment of {$2700.00} on XX/XX/XXXX, which has officially settled on their system dashboard. Because Village Capital has allowed my statutory notice to stagnate on their servers and is actively over-collecting high-dollar escrow pacing deposits under a fabricated corporate proration myth, I require immediate federal intervention. I compel their Executive Compliance Team to run an immediate manual Interim Escrow Analysis, permanently adjust my monthly escrow pacing deposit down to my true requirement of {$100.00} per month, and issue a direct check refund for the escrow capital over-collected from my account today.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Possible Financial Inc
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Chime Financial Inc
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

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: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACE Midland Holdings
State: AL

Complaint narrative:
XXXX XXXX falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc. contacted me on XX/XX/XXXX attempting to collect {$190.00} on an alleged XXXX XXXX debt. I am in possession of official billing communications received directly from XXXX XXXX the original creditor dated XX/XX/XXXX and XX/XX/XXXX, both confirming the authorized final balance was {$160.00}. Transworld is attempting to collect {$29.00} above the amount documented by XXXX 's own records. Under FDCPA 15 U.S.C. 1692f ( 1 ) a debt collector may not collect any amount not expressly authorized by the original agreement. Additionally XXXX XXXX XXXX XXXX is simultaneously contacting me about this same XXXX account claiming {$190.00}, raising serious questions about which entity has legal collection authority. Neither collector can document authorization for the {$29.00} addition above XXXX 's confirmed {$160.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I tried to withdraw {$200.00} from the ATM at XXXX XXXX XXXX. XXXX drive-through as soon as my money was about to dispense the machine cut off. Cash app took the money off my card. I called them several times I disputed it they denied it appealed it. They denied it. I talked to the ATM technician several times they told me to file the XXXX claim and Cash App was liable Cash App told me theres nothing they can do Im on a fixed income, and that was my rent money. Im really upset on the way. Im, been treated. The owner of the establishment knows I did not receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Guild Holdings Company
State: UT

Complaint narrative:
I am a XXXX XXXX with no income since XXXX. I submitted a complete medical hardship forbearance application to Guild Mortgage on XX/XX/XXXX. Guild Mortgage delayed logging the application as complete until XXXX XXXX to their administrative delay, my account crossed into a deeper delinquency window, and Guild Mortgage has now reported duplicate negative 30-day late marks on my credit report on consecutive days.I am filing this formal complaint to demand an immediate expedited approval of my medical forbearance and a retroactive XXXX credit correction to completely wipe out the negative credit reporting that occurred while my completed application was sitting in their queue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 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: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I am filing a complaint regarding TD Banks handling of a disputed transaction for an ATV excursion that I purchased through XXXX. While on vacation in XXXX XXXX, I participated in an ATV excursion booked through XXXX. Within approximately XXXX minutes of starting the excursion, the ATV flipped over, causing injury to my leg and rendering the ATV inoperable. Due to the accident, I was unable to continue or complete the excursion. Immediately after the incident, I spoke with the excursion companys staff and receptionist. I was informed that I would receive a refund because I was unable to participate in the activity due to the accident and equipment failure. I relied on that representation and left believing the matter would be resolved. After returning home, I discovered that I had still been charged for the full excursion. I contacted XXXX and disputed the charge. XXXX denied my request and stated that I needed to work through my bank. I then filed a dispute with TD Bank. TD Bank subsequently denied my dispute, stating that XXXX claimed the charge was valid and that refunds are generally only available when cancellations occur more than XXXX hours before the excursion. However, my dispute is not based on a cancellation. I did not voluntarily cancel the excursion. I was physically unable to participate because I was injured in an accident shortly after the excursion began, and the excursion operator informed me that a refund would be issued. I am being charged for a service that I was unable to receive or complete. The issue is not whether I canceled within the required time frame, but rather that the excursion could not be completed due to an accident and equipment failure, and the merchant represented that I would be refunded. I am requesting that TD Bank conduct a reasonable investigation into this dispute and review all available evidence, including my account of the incident, any communications with XXXX, and any records from the excursion operator regarding the promised refund. I am also requesting reimbursement of the disputed charge because the services paid for were not provided as represented. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with 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: MD

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts currently reflected on my credit report. Upon reviewing my credit file, I have identified information that appears to be outdated, inaccurate, incomplete, or otherwise not reflective of my current financial circumstances. To ensure the accuracy and reliability of my credit profile, I respectfully request that the appropriate updates and corrections be made. I ask that my credit file be revised to accurately reflect my current, verified, and up-to-date financial information in accordance with applicable reporting standards and requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: FL

Complaint narrative:
Between the days of XX/XX/XXXX and XX/XX/XXXX I was contacted over XXXX times via mail about my deceased fathers debt. I have the physical paper proof as well as the scans from my XXXX profile showing the absolutely ridiculous amount of paper mail that is being spam-sent to my mailbox by Revcos medical bill collectors. Identical bills. Ridiculously wasteful, my fathers estate passed outside of probate and after notifying them of this I can not help but feel I am being retributed against for not paying my fathers debt via loss of use of my mailbox because its filled with their junk mail. It is my understanding that the limit for correspondences is the XXXX rule, which Revco has decided ultimately XXXX XXXX all over. Please stop sending me this junk. You will not get a XXXX from harassing me.

Company response to consumer: Closed with explanation