vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am filing this complaint against MIDLAND CREDIT MANAGEMENT, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$2400.00} originally owed to XXXX XXXX XXXX XXXX, Account No.XXXX XXXXXXXX, on my consumer credit reports with XXXX XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XX/XX/year>, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information thatcannot be verified. This unlawful collection and reporting activity has caused me significant harm including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: CA

Complaint narrative:
This complaint concerns the XXXX XXXX XXXX XXXX which was acquired by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have already submitted a formal dispute directly to XXXX regarding this inaccurate collection account.I am a victim of the predatory loan practices detailed in the federal enforcement action " CFPB v. Climb Credit, Inc., et al. I was targeted by Climb Credit 's deceptive marketing emails featuring misleading student success stories. I relied on Climb Credits explicit representation that they had " vetted '' XXXX XXXX for high return on investment ( ROI ) and positive employment outcomes.The education provided by the school was completely obsolete, resulting only in predatory debt and XXXX job placement. Pursuant to Line XXXX of my original loan contract with Climb Credit, the contract contains the federally mandated FTC Holder Rule Notice. This clause explicitly states that any holder of the consumer credit contract is subject to all claims and defenses which the debtor could assert against the seller of goods or services.Because the underlying contract was induced through material misrepresentations and educational fraud, I have a complete legal defense against the repayment of this loan. Climb Credit is currently violating consumer protection laws by attempting to collect on this void debt and actively damaging my credit profile by reporting the account as a closed collection to TransUnion. I demand that Climb Credit immediately cancel the remaining balance of this loan, issue a refund for all past payments made under the contract, and delete the collection trade line from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Delete Request Credit Report Dispute To Whom It May Concern : I am formally disputing the accuracy and validity of the account listed below on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g : Creditor/Collection Agency Name : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$54.00} This account is inaccurate, incomplete, and/or can not be verified. As such, it must be deleted immediately from my credit file with your agency. If you can not provide written verification that substantiates this account under federal law, you are required to cease reporting it and delete it from my file. Furthermore, be advised that any continued reporting of inaccurate, unverified, or outdated information constitutes a violation of the FCRA and FDCPA. Should you fail to comply, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I am requesting : 1. Immediate investigation and deletion of the disputed account. 2. Written confirmation of deletion within 30 days, as required under the FCRA. 3. That you cease all further collection activities related to this unverified account. This letter is being sent via Certified Mail, Return Receipt Requested, to establish a record of my dispute. Thank you for your prompt attention. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Delete Request Credit Report Dispute To Whom It May Concern : I am formally disputing the accuracy of the following item ( s ) on my credit report : Creditor/Collection Agency : XXXX XXXX XXXX Account Number : XXXX This account is inaccurate, incomplete, and/or unverifiable. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request that you cease reporting this item and delete it from my credit file immediately. If you can not provide verified documentation that substantiates this account, you are legally required to remove it. Please complete your investigation within 30 days and send me written confirmation of deletion. Thank you, XXXX XXXX XXXX XXXX XXXX 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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation
State: TX

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 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: NY

Complaint narrative:
I purchased a wig through Klarna that was significantly different from the merchant 's description. The wig had density issues, uneven construction, excessive shedding, and did not match the advertised specifications. I provided photos, measurements, and other evidence to both the merchant and Klarna. The merchant did not respond to my original complaint for approximately two weeks and only responded after Klarna became involved. The merchant then denied my claim and stated the wig had been worn and washed. I dispute this characterization and provided evidence supporting my concerns about the product. Klarna closed my dispute and sided with the merchant despite the evidence submitted. When I contacted Klarna by phone, I was informed that I had exceeded the number of disputes I could file, but I was not provided with any written policy, disclosure, or explanation regarding this limitation. I am concerned that my dispute was not fairly investigated, that relevant evidence was not adequately considered, and that I was denied a meaningful opportunity to challenge the merchant 's claims. I am requesting a review of Klarna 's dispute handling process and decision in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 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: TX

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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I needed statements for my taxes for XXXX from my Citi double cash card ending in XXXX. In XXXX, I called them and it took some time to get it but they sent me two months of statements. When I met with my accountant, she needed the other four months. I called back today on XX/XX/XXXX, and they told me numerous times on numerous phone calls that they couldnt get them for me. I have the copies of them right here. I know it existed. They are refusing to send them 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 non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX only have XXXX bank account ( CHASE BANK ) that is my XXXX account so I can access the funds paying my bills buying groceries. I opened Chase Bank account XX/XX/year> and also my XXXX account. I believe I follow their rulers not commited fraud. This my only bank account so I can like normal human being. I appreciate your help and understanding in this matter. XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-09 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: MOHELA
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 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

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: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VI

Complaint narrative:
In XX/XX/XXXX, Truist Bank failed to execute an agreed-upon investment of {$35000.00} into an FDIC-insured Certificate of Deposit ( CD ) for a joint account with my husband and I. Due to this internal omission, our capital sat uninvested for over a year, causing severe financial injury via lost interest. While the {$35000.00} principal was finally returned to us in XXXX, the substantial damages from the missed interest remained unaddressed. On XX/XX/XXXX, the wife negotiated a verbal settlement amount with Truist representative XXXX XXXX ( aka XXXX ). XXXX XXXX explicitly stated via phone the couple would receive the payout within approximately XXXX weeks. At no point during this or prior negotiations ( with representatives XXXX XXXX or XXXX XXXX ) did Truist indicate that payout execution was conditional upon signing a detailed legal contract. Unfair and Coercive Impositions : Instead of the promised payment, the couple received a settlement letter requiring the execution of a complex, XXXX page contract before funds would be released. XXXX documentation explicitly instructed us to retain independent legal counsel at our own expense to review their paperwork. Truist effectively held our agreed-upon compensation XXXX to coerce us into signing away our legal rights while forcing us to absorb out-of-pocket attorney fees caused entirely by the bank 's error. Rejection of Complete Remedy : On XX/XX/XXXX, the wife sent a formal itemized letter requesting a full remedy for the complete scope of damages incurred, totaling {$7600.00} ( accounting for the initial lost interest, resulting tax implications, and the legal review fees Truist required us to take on ). On XX/XX/XXXX, XXXX XXXX responded with a lowball offer of only {$3500.00}, rigidly maintaining that even this partial amount was conditional upon a signed liability waiver. XXXX XXXX XXXX : Truist Bank refused our valid demand in XX/XX/XXXX, and has continuously withheld our rightful compensation for the last 16 months. Under consumer protection guidelines, stalling a valid claim across multiple calendar years expands the scope of financial injury. We are legally entitled to pre-settlement interest for the loss of use of these funds during Truists XXXX delay.

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 2026-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
My name is XXXX XXXX. My husband and I are XXXX XXXX XXXX and VISA customers. As a result of a customer service issue, XXXX XXXX XXXX issued us a {$100.00} prepaid VISA reward card as compensation. Unfortunately, we did not realize that the card had an expiration date. The card remained in a drawer and was never used before it expired. When I later discovered the issue, I contacted both XXXX XXXX XXXX and VISA to request assistance and asked whether the {$100.00} balance could be reissued on a replacement card. Neither company was willing to provide a resolution. I is not acceptable for the {$100.00} balance prepaid card to be forfeited. The funds were issued to compensate us, and I am simply requesting the opportunity to use the value that was originally provided. I am seeking a resolution whereby the {$100.00} balance is reissued on a replacement card. If this is done, I will use the card promptly and before any future expiration date. I would appreciate your assistance in helping resolve this matter. Thank you, XXXX XXXX XXXX, Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

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 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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I filed a Purchase Protection claim ( # XXXX ) for XXXX XXXX XXXX XXXX ( {$320.00} ) which were experiencing severe hardware failures while still under the manufacturer 's warranty -after failing to resolve issue directly with manufacturer. Despite my initial filing being timely, by the time the claim was assessed, the item had gone out of warranty and my claim was therefore closed due to a category mismatch, with an explicit instruction from the administrator to instead file under the 'XXXX XXXX XXXX ' benefit. I attempted to file a new claim ( # XXXX ) as instructed. However, the online portal consistently returns a 'something went wrong on our side ' error, preventing submission ( claim stuck with " draft '' status ). I have attempted to resolve this for weeks via the portal 's technical support form and a direct email to the administrator on XX/XX/year>. I have received no response not confirmation of a ticket, and phone support was not an option. I am being denied a contractual card benefit due to the administrators technical failure to provide a functional submission path.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX caused a serious violation of 12 C.F.F. Section 1024.41 ( f ) that prohibits mortgage Servicers from filing a foreclosure complaint until one is more than 120 days delinquent on the mortgage .. as well as an immediate breach of the modification settlement agreed by both parties in XX/XX/year>. The alleged default ( which we disagree with ) is XX/XX/year> and the XXXX from XXXX is dated XX/XX/year>. This XXXX letter is also sent BEFORE an agreed upon settlement modification letter to vacate a previous foreclosure on XX/XX/year>. XXXX XXXX in debt validation letter XX/XX/year> states the investor is different named than in the foreclosure complaint investor named that is filed in XX/XX/year> & then quickly dismissed by XXXX XXXX in XX/XX/year> less than only 1 month later. Leaving no doubt of the mistakes of debt validation letter, filing of wrongful foreclosure and of the violation of 12 C.F.F. Section 1024.41 ( f ) We are requesting CFPB to demand XXXX XXXX answer for all of the above and any fines and or settlement that is available, as we have been financially harmed and mentally stressed & anguish by XXXX XXXX and their breach of contract and violation of CFPB and Federal Regulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Comerica
State: NY

Complaint narrative:
I am filing a complaint regarding XXXX XXXX handling of my dispute attempts. I have mailed a letter disputing XXXX fraudulent XXXX transactions. The transactions XXXX XXXX XX/XX/year> in the amount {$530.00} XXXX XX/XX/year> in the amount {$370.00} The transaction were made in XXXX XXXX, CT. When I was physically in XXXX, NY. The charges were not mine nor were they authorized by me. XXXX XXXX has engaged in grossly negligent practices by creating roadblocks that prevent me from disputing these charges. They keep me on hold for hours, and when I finally reach a representative, they either claim they can not hear me, hang up the call, or place me back on hold indefinitely. This pattern of conduct makes it virtually impossible to dispute the fraudulent charges. Additionally, when searching online, I discovered numerous complaints from other consumers facing identical issues with XXXX XXXX, further highlighting a systemic problem in their dispute resolution process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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