vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am filing this complaint against Discover Financial Services regarding the handling of my credit card application ( XXXX XXXX. XXXX ) and the events that followed. On XX/XX/year>, I applied for a Discover credit card, which triggered an address verification requirement due to a recent move. I was informed that acceptable documentation was limited to utility bills or bank statements reflecting my new address. As a recent mover, I do not yet have utility bills in my name. I was advised by Discover 's Credit Operations team to obtain an updated bank statement from my bank which is Discover Bank itself making this requirement impossible to satisfy through their own suggested channel. I contacted Discover Credit Operations and spoke with a representative named XXXX, who stated he was unable to assist. I escalated to his supervisor, XXXX, who offered the same response. I informed both that I had legitimate proof-of-address documents available a signed lease agreement and a letter from Discover Bank confirming my account and current address but both were rejected without explanation. I formally requested that a complaint be logged during this call. On XX/XX/year> the same day I spoke with XXXX and XXXX Discover declined my application. I was not informed of the decline at the time of the call. I only discovered this when I called back at a later date to submit the requested bank statement. The timing strongly suggests my application was declined immediately following my escalation request, without being given a reasonable opportunity to provide the requested documentation. As a result of this application, a hard inquiry was placed on my credit report, negatively impacting my credit score. I received no card, no resolution, and no good-faith effort from Discover to accommodate documentation that is widely accepted as valid proof of residence. I sent a formal written complaint to Discover 's Executive Office and have received no response. I am requesting that the CFPB investigate the following : XXXX. Discover 's refusal to accept a signed lease agreement and a Discover Bank-issued account confirmation letter as valid proof of address, despite these being standard identity verification documents. XXXX. The timing of the application decline on XX/XX/year> the same day I escalated my complaint and whether this constitutes retaliatory or improper adverse action. XXXX. Removal of the hard credit inquiry from my credit report given that the decline resulted from Discover 's own unresolvable documentation requirements. XXXX. Discover 's failure to respond to my formal written complaint submitted to their Executive Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MI

Complaint narrative:
I am in the final month of my auto lease for a Mazda XXXX and intend to exercise my contractual option to purchase the vehicle by paying the residual value. Because my work ( traveling physician ) requires me to be temporarily out of state this month, I need a one-month lease extension in order to complete the in-person paperwork required for the purchase. My dealership advised me that Mazda Financial Services can grant short lease extensions upon request. For over XXXX month, I have attempted to contact Mazda Financial Services at XXXX multiple times per day at varying hours. Each time, I am routed through automated prompts for several minutes and then disconnected without being able to speak to a representative. The system does not provide a callback option, alternate contact method, or clear business hours. There is no email address that I can write to. I contacted Mazda Customer Experience ( XXXX XXXX XXXX ) to request assistance or escalation. They confirmed that they are not Mazda Financial Services, can not intervene, and that there is no alternate contact method available. They advised me to continue attempting to reach Mazda Financial Services by phone, which doesn't work. As a result, I have been unable to communicate with the financial servicer regarding a time-sensitive lease matter, despite extensive good-faith attempts. My lease is expiring, and I am attempting to complete a purchase transaction, but I can not access the servicer to request a short extension. I am requesting assistance to ensure that Mazda Financial Services provides accessible servicing and allows me to request and process a one-month lease extension so I can complete my contractual purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 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: FL

Complaint narrative:
There is an Account from XXXX XXXX that not belongs to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is an Account from XXXX XXXX that not belongs to me

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
Validation of Debt Request - CREDENCE RESOURCE MA - XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This situation has created a serious financial hardship for me, and it is extremely concerning that this transaction was processed without my authorization. I believe this charge is being misused and should not have been applied to my account. I respectfully request that this matter be reviewed immediately and that the transaction be reversed as soon as possible. I would also appreciate confirmation that my account will be protected from any further unauthorized activity. In the amount of XXXX withdrawn on XX/XX/year>

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 2026-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There is an Account from XXXX XXXX that not belongs to me

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
* * Freedom Mortgage Escrow Mismanagement on VA Loan * * I am filing this complaint regarding the mismanagement of my escrow account on a VA loan originated in XX/XX/XXXX and serviced by Freedom Mortgage. At closing, Freedom Mortgage set my monthly escrow payment at {$330.00}. Their own escrow analysis document, dated XX/XX/XXXX, shows the correct amount should have been {$510.00} per month a $ XXXX underestimate from day one. This was not caused by a tax increase or insurance change after closing. Freedom Mortgage 's own FAQ included in the escrow statement lists " underestimated taxes when you closed your loan '' as a cause of shortage which is exactly what happened here. The actual tax disbursements in the first year totaled {$4300.00} against a projected {$2900.00} a gap of over {$1300.00} attributable entirely to their failure to correctly estimate my tax obligations at origination. * * Timeline of events : * * - XX/XX/XXXX : Loan closed, escrow set at $ XXXX - XX/XX/XXXX : Moved into property - XX/XX/XXXX : Received written escrow analysis showing a shortage of {$3100.00} - XX/XX/XXXX : Spoke with representative XXXX ( ID XXXX ), who admitted the tax department calculated only one tax payment instead of two and had not accounted for a stormwater tax assessment - XX/XX/XXXX : Escalated to supervisor XXXX ( ID XXXX ), who acknowledged the tax department did not independently verify tax information at origination * * Their proposed resolution : * * Pay a {$3100.00} lump sum or absorb an additional {$480.00} per month, bringing my total payment from {$2400.00} to {$2900.00} entirely to cover their admitted error. * * My requests and their responses : * * - Requested escrow removal : Denied - Requested further escalation : Supervisor XXXX stated that because this is a VA loan and they do not collect interest on it, they have no financial incentive to retain me as a customer and expressed indifference to whether I refinance elsewhere. This statement was made on a recorded call on XX/XX/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 2026-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
NewRez aka Shellpoint has run a mortgage analysis which is grossly misrepresented. They are claiming I am currently paying XXXX in home owners insurance and it will increase to XXXX annual. However, my closing disclosure states my annual home owners insurance premium is XXXX, thus making the increase XXXX annually, NOT XXXX. I find NewRez has deceptive lending practices and this is a deceptive attempt to raise my monthly payment without justification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: FL

Complaint narrative:
I once again trying to get Zion debt holding to not falsify reported information. The representative told me they didnt not have to remove the first delinquency date for first delinquents payment they used date reported to collections and from there stand point it was perfectly legal. Yet according to the FTC and all states determination the first delinquency date must be first non payment as well as the collection amount XXXX said was {$280.00} and they are submitting {$360.00} they dont send any factual documentation to XXXX but just a statement saying account verified as correct along with the fact they are not legal bonded in the state of Texas XXXX collect debt after responding that they were

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

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 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I was contacted by individuals impersonating XXXX XXXX Products. I had previously entered my business into what appeared to be a legitimate holiday raffle advertised on XXXX under their name and branding. The impersonators informed me that I had won the raffle. They stated that the prize included spending the day with the companys owners to help build my business, as well as receiving prize money exceeding {$10000.00}. The communication appeared legitimate, professional, and consistent with the brand, so I reasonably believed I had actually won. I was told that the prize money would be sent to me through Cash App. I was instructed to load a prepaid debit card and link it to my Cash App account, and I was specifically told that I needed to have at least {$2000.00} in my Cash App balance so the incoming prize funds would not be flagged as fraud due to the large amount. I followed these instructions believing they were necessary to receive my winnings. However, after uploading what I believed was the prepaid debit card containing the prize funds, the impersonators instead withdrew {$2000.00} from my Cash App account. I did not authorize a transfer to the scammers, nor did I understand that my funds would be taken. My consent was obtained through deception, impersonation, and misrepresentation. I immediately contacted both Cash App and my bank to report the transaction as fraud. I also filed a report with the Federal Trade Commission for documentation purposes. Despite this, Cash App denied my fraud claim, stating that the transaction was authorized. My bank then denied my claim as well, explaining that they could not recover the funds because Cash App refused to reverse the transaction. I later contacted the legitimate XXXX XXXX Products company to notify them of the impersonation, and they confirmed that the individuals who contacted me were not affiliated with their business. This transaction was not a legitimate authorized payment. It was induced by fraud, impersonation of a real company, and false promises of prize winnings. Cash App failed to conduct a meaningful investigation into the impersonation and denied reimbursement solely on the basis that I interacted with the app, ignoring the fact that my actions were based on fraudulent misrepresentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding an unauthorized transaction in the amount of {$1200.00} on XX/XX/year> that was made on my Cash App account. This transaction was not authorized by me, and I immediately reported it to Cash App upon discovering the issue. Despite my prompt notification and cooperation, Cash App has refused to reimburse me for the unauthorized charge. I find this response unacceptable, as consumers should be protected against fraudulent activity on their accounts. I am requesting that your office review this matter and assist in holding Cash App accountable for failing to properly investigate and resolve this unauthorized transaction. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
Payment was paid in full credit report did not reflect.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
If you want to avoid getting dragged into a civil lawsuit where you XXXX have to pay for damages, for something you did not even intentionally do, I suggest you delete the illegal collection accounts from my credit report today. You see, LVNV FUNDING has furnished a collection account on my credit report without validating this debt with me beforehand. In fact, the following debt XXXX never sent me a dunning letter ( which is mandatory to validate a debt ) within 5 days of the accounts getting reported ( which is also the initial communication ). Therefore, the accounts listed below must all get deleted from my credit report under XXXX USC XXXX. However, there is XXXX way you can leave the items on my credit report unscathed. And in order to do this, you must produce proof a dunning letter was sent to my address ( within XXXX days of the account getting furnished ). If you can not produce the requested information, then, by law, you must delete the collection items off my credit report by my next report update. The only reason I am aware of these accounts are because they were in my credit report. If I got a dunning letter beforehand I wouldve, without a doubt, disputed the debt and never let this criminal debt XXXX get away with this disgusting act. This is the reason, I intend to litigate immediately if these items are not removed from my report. I can not stand it when people try to take advantage of others which is obviously what is being done to me. So, if you want to free yourself from the heinous acts of the debt XXXX in this complaint, simply delete the accounts below and I will drop my claim :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation