vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
The account was open fraudulent and I sent in a fraud report identity theft report and proof of XXXX. They refused to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I filed a dispute with cash app for a motel room booking that was made thru a XXXX party app named agoda. When I arrived to the motel to check in they told me they couldn't accommodate my stay but refused to refund me for the room that I didn't stay in at all. I then left and booked a room elsewhere but I did dispute the charge thru cash app since I paid with my cash app card. I have been contacting cash app for any updates in regards to my dispute but haven't received any help or updates, cash app told me it takes XXXX XXXX days but It has been passed that time frame and they keep giving me the run around saying it's still in review which doesn't add up when I have spoken to XXXX and XXXX tried to offer me XXXX $ for dispute in question. I then refused that because I didn't pay XXXX $ for that booking it was XXXX XXXX Cash app hasn't been helpful at all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I am filing a new complaint regarding Eastern Account System due to inaccurate and inconsistent reporting of a collection account on my credit report. Eastern Account System has provided conflicting information regarding the balance of this alleged debt. In their prior response, they stated the balance is {$1300.00}. However, my credit report reflects a balance of {$320.00} for this same account. This discrepancy renders the account inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ). Additionally, XXXX claims notices were sent and not returned undeliverable, but this does not constitute proof that I received proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ). I do not recall receiving proper notice and was not given a meaningful opportunity to dispute prior to credit reporting. I dispute this account in full and request that Eastern Account System provide complete validation, including : Original signed agreement with the original creditor Full account statements and billing history Proof of the service address and that I was responsible for the account Documentation supporting the balance being reported Chain of assignment authorizing them to collect Until this documentation is provided, this account is disputed and should not be reported. Reporting inconsistent and unverifiable information is a violation of federal law. If Eastern Account System can not provide complete and accurate validation, I request immediate deletion of this account from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC

Complaint narrative:
This is a follow-up complaint regarding XXXX failure to properly respond to CFPB Case XXXX [ INSERT YOUR CASE NUMBER ]. XXXX claims to have purchased an alleged XXXX XXXX account and continues to report and attempt collection. However, after my prior complaint, XXXX failed to provide any competent evidence supporting the validity of this debt. I specifically requested full validation, including a signed agreement, complete payment history, and documentation establishing XXXX legal ownership of the account ( chain of title ). XXXX did not provide any of these materials and instead issued a generic response stating that business records exist. This does not satisfy validation requirements under the FDCPA, nor does it meet the accuracy and investigation requirements under 15 U.S.C. 1681s-2 ( b ). XXXX also failed to address the specific inaccuracies raised in my original complaint. As a debt buyer, XXXX must possess and produce full documentation to support both collection activity and credit reporting. Without such documentation, their continued reporting and collection efforts are improper. I am requesting immediate deletion of this account from all consumer reporting agencies and cessation of all collection activity. Continued reporting without proper validation will be considered willful noncompliance and will result in further escalation, including arbitration and additional regulatory complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
This is a follow-up regarding XXXX XXXX XXXXXXXX. A wire transfer was initiated from US Bank to my XXXX XXXX account, but XXXX has confirmed that the funds have not been received. When I previously inquired about the recipient 's details, US Bank provided me with the last XXXX digits of the account number used for the transfer. However, those digits do not match my actual XXXX account number. I have requested the full and exact account number to which the funds were sent to identify the error, but I have yet to receive a response. This matter is extremely urgent as the amount exceeds {$10000.00}. Please provide the exact transaction details and the full recipient account number immediately so this can be resolved. I look forward to your prompt response. Sincerely,

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 2026-04-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Ive done this before years ago I dont believe its lost

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — Other type of 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: Colony Ridge Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against Colony Ridge Land , LLC and their legal counsel for predatory lending, intimidation tactics, and direct violation of the spirit of the {$68.00} XXXX settlement reached with the DOJ and the State of Texas on XX/XX/2026. I own XXXX seller-financed lots with this company. My interest rate is an abusive 12.900 %. Out of my monthly payments, over 80 % goes strictly to interest. Following the DOJ settlement, I initially requested a loan restructuring and relief under the mandated " Default Avoidance Plan '' on XX/XX/2026. The company ignored my communications for over XXXX months. I sent a second formal notice on XX/XX/2026. Finally, today, XX/XX/2026, instead of offering relief or evaluating my request, the company had their attorney send me a deceptive and threatening " Verification of Debt '' letter. In this letter, they falsely claim my accounts are " delinquent '' and threaten imminent foreclosure. This is a blatant lie intended to intimidate me. The " Payoff Statements '' and " Payment History '' generated by the company and attached by this lawyer clearly show my payments are current. Furthermore, the attorney used a boilerplate intimidation template and forgot to remove the name of another victim from the footer of page XXXX, proving they are mass-mailing these threats instead of individually evaluating clients for the mandated settlement relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding improper debt collection practices involving an originally owed to Capital One and later placed with XXXX XXXX, XXXX. On XX/XX/year>, I entered into a settlement agreement with XXXX XXXX, XXXX for the above-referenced account. Under this agreement, I made XXXX ( XXXX ) successful ACH payments as follows : {$240.00} XX/XX/year> {$240.00} XX/XX/year> {$240.00} XX/XX/year> {$240.00} XX/XX/year> {$240.00} XX/XX/year> * * * Note : the first payment was drafted in XX/XX/year>. A sixth and final payment scheduled for XX/XX/year> was not successfully drafted. Despite my substantial compliance with the settlement agreement, the account was subsequently transferred or sold to Midland Credit Management, which is now attempting to collect on this account for {$2600.00}. Midland Credit Management is attempting to collect on this account without properly accounting for : The prior settlement agreement The payments I made under that agreement The remaining balance, if any, under the settlement terms Instead, it appears they may be attempting to collect an amount inconsistent with the settlement agreement, which may constitute : Misrepresentation of the amount owed Attempted collection of an inflated or incorrect balance Failure to properly validate the debt Concerns Regarding Firstsource : XXXX XXXX, XXXX accepted multiple payments under a settlement agreement and then transferred or sold the account. It is unclear : How the account was reported at the time of transfer Whether the settlement agreement was properly honored or documented Whether accurate information was provided to the subsequent collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: PA

Complaint narrative:
charge account was opened around XX/XX/XXXX with an original balance of approximately {$420.00} and a credit limit of {$3500.00}. The account later became delinquent and was reported as a charge-off/collection with a current balance of {$380.00}. The last reported payment was listed as XX/XX/XXXX. This account was later reported to my credit file on XX/XX/XXXX as a derogatory collection / charge-off, with remarks indicating it was charged off as bad debt and a profit and loss write-off. I dispute the accuracy and validity of this reporting and do not believe the account information has been properly verified. After the account appeared on my credit report, I attempted to dispute the item and requested validation of the debt. However, the account continues to be reported without sufficient documentation or proof that the debt is accurate or that I am fully responsible for it. The continued reporting of this charge-off without proper verification is negatively impacting my credit profile and does not appear to meet the accuracy and reporting requirements under federal credit reporting rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for wrongfully closing my account based on alleged fraud & Reporting incorrect information on my consumer report which is hindering me from accessing futures accounts with other institutions. I have never committed fraud or knowingly participated in fraudulent activity. I previously spoke with XXXX XXXX XXXX representatives who informed me this issue would be corrected, but the matter was never resolved and my account was still closed. XXXX XXXX XXXX actions may constitute unfair or deceptive practices under the Consumer Financial Protection Act, which prohibits unfair, deceptive, or abusive acts or practices by financial institutions. I am requesting : 1. A written explanation for the account closure 2. Removal of any unsupported fraud-related notations or restrictions tied to my name 3. A formal review of this matter and written resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Rocket Mortgage has failed to correctly apply my 100 % property tax exemption to my mortgage escrow account. On XX/XX/year>, I first sent Rocket Mortgage my XXXX XXXX XXXX XXXX documentation showing that I qualify for a XXXX XXXX XXXX XXXX XXXX Exemption. The letter is dated XX/XX/year> and states that the exemption applies to all ad valorem taxation for the 2026 tax roll. It also states that, for purposes of notifying my lender/mortgagee, the exemption begins XX/XX/year>. Despite this, Rocket Mortgage has not fully applied the exemption to my escrow account. They are still calculating or collecting escrow as if the full property tax exemption has not been applied. I have already tried to resolve this through Rockets normal channels, but the issue has not been fixed. I understand that non-ad valorem assessments may not be included in the exemption. However, Rocket Mortgage should not be collecting escrow for exempt ad valorem property taxes. I am asking Rocket Mortgage to immediately correct my escrow account, remove any ad valorem property tax escrow collection for 2026, issue a corrected escrow analysis, refund any over-collected escrow funds, and provide an itemized written explanation of any remaining escrow amount, separating non-ad valorem assessments from exempt ad valorem taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: MI

Complaint narrative:
I am a victim of identity theft involving a Klarna account. Someone accessed my account, made almost {$1200.00} in unauthorized purchases, and changed the phone number so I could not access it. I was unaware of the activity for months as a result. When I discovered the fraud, I contacted Klarna to file a claim. I was later told no claim had been recorded. After resubmitting, Klarna delayed the investigation for months and ultimately claimed they could not verify fraud, despite the fact that I did not authorize these transactions. I have never received the merchandise, did not make the purchases, and have supporting documentation including an identity theft report. Klarna has failed to properly investigate this matter and has allowed the account to be sent to collections. I am requesting : - Removal of all fraudulent charges- Immediate recall of the account from collections - Correction of any credit reporting related to this account This situation has caused financial harm and distress due to improper handling of a fraud claim. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
I am filing this complaint against XXXX and Sunrise Credit Services for deceptive collection practices and harassment. For months, they chased me down for " unreturned equipment. '' I originally sent the equipment back in XX/XX/year> and it came back to me returned. After it was returned to me I resent it and this time kept the shipping information. After repeated attempts at collecting on the equipment I provided a XXXX receipt ( Tracking : XXXX ) proving the equipment was delivered and signed for by " XXXX '' on XX/XX/year>. Only AFTER I provided this proof did Sunrise suddenly switch their story to a {$93.00} service bill that was never once mentioned during the entire collection process. Sunrise told me they were " stopping collections, '' but they were actually being deceptive and just shuffling this new, undisclosed charge back to XXXX to start the cycle over. Furthermore, they sent me a collection text as recently as XX/XX/XXXX, XXXX a month after they admit the equipment issue was resolved. Their staff was also hostile and unprofessional to my sister on the phone today, XX/XX/year>, hanging up on her even though she was calling from my number and I was present to provide authorization because I have lost my voice. This entire ordeal has caused me immense emotional distress and physical pain, including headaches, tongue tension, and painful tension knots in my back. I am being physically and mentally burdened by their refusal to acknowledge the facts. I demand that all charges be canceled immediately and that both companies confirm in writing that this invalid debt will not be reported to any credit bureaus.

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 2026-04-29 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I am formally disputing inaccurate and unauthorized information appearing on my consumer credit file. Specifically, my report contains multiple hard inquiries that I did not authorize and for which no permissible purpose has been provided as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I am requesting that each credit bureau provide documented proof of authorization, including any application bearing my signature. If such documentation can not be produced, these inquiries must be deleted immediately. Additionally, my credit report reflects collection accounts that are inaccurate, incomplete, and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of all disputed information. Case law, including XXXX XXXX XXXX XXXX XXXX. ( XXXX ) and XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), establishes that credit reporting agencies must go beyond superficial or automated verification methods. I am requesting full validation of these accounts, including signed agreements, complete payment histories, and documentation establishing the chain of assignment from the original creditor. If this information can not be properly verified, these accounts must be deleted from my credit file. Failure to comply with these federal requirements will result in formal complaints being filed with the Consumer Financial Protection Bureau and the Federal Trade Commission, as well as potential legal action. I expect a timely response in accordance with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
Consumer complaint narrative I am submitting this complaint regarding the improper closure of two accounts held by XXXX XXXX with Us bank. On XX/XX/year> Us bank closed two of my credit card accounts without prior notice and in error. No valid explanation has been provided for these closures. At the time of closure, both accounts were in good standing : No late or missed payments No fraud, disputes, or chargebacks Responsible and consistent account usage Compliance with all account terms There was no behavior or activity that would justify account closure. Concerns : Accounts were closed without notice or opportunity to respond No clear or valid reason has been communicated The closures appear to be erroneous or the result of improper internal action The action has caused reputational and potential financial harm Impact : Disruption of access to financial accounts Potential negative impact to credit profile Concern regarding future ability to maintain a relationship with Us bank Requested Resolution : 1. Immediate reinstatement of both accounts with full history preserved 2. Written confirmation that the closures were made in error 3. Written confirmation that XXXX XXXX remains a customer in good standing with Us bank 4. Written confirmation that she is eligible to apply for and obtain Us bank credit products in the future 5. Correction of any internal or external records to ensure no adverse reporting or flags remain This situation appears to be the result of an error and requires prompt correction. I request a full review and written response addressing all points above

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX I deposited a settlement check. The check was cleared by M & T bank by XX/XX/XXXX. All morning and afternoon on XX/XX/XXXX my card was working with no problem. After work around XXXX on XX/XX/XXXX Im at the store to purchase item and my card declined. I signed into my account Im unable to access has this my account has been blocked. I called and no one can tell me whats going on. Never got a text or email until the next day XXXX XX/XX/XXXX after I visited the branch. I went to the bank and still no one else can help me and they just told me I have too wait. Now I have no money to feed my kids and this is the most unacceptable thing I had to deal with. I was told I would be called in 24-48 hours and still nothing Im doing all the calling and sending the documents I have and still nothing

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