vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: TX

Complaint narrative:
Complaint with XXXX as they are incorrectly reporting a collection balance of {$1300.00} on all three of my credit reports and they refuse to remove even after providing proof. Their address is XXXX XXXX XXXX, XXXX, MI XXXX Phone is XXXX. Here is the sequence of events. Around XX/XX/XXXX I was contacted by a collection agency Credit Control LLC that a debt was owed to XXXX and an offer is being made to settle with XXXX payments for {$110.00} and the remaining balance of {$1300.00} would be considered resolved and reflect a XXXX balance. XX/XX/XXXX I began making payments of {$110.00} a month as per the settlement agreement. XX/XX/XXXX I was informed by XXXX XXXX that XXXX is taking over the final XXXX payments of {$110.00} and I should pay XXXX directly and not XXXX XXXX. XX/XX/XXXX I contacted XXXX and provided my account information and payments were made for final XXXX payments for XXXX and XXXX of XXXX with final payment being made in XX/XX/XXXX. XX/XX/XXXX- XXXX granted me new credit. XX/XX/XXXX- XXXX XXXX sent me a letter stating the old XXXX credit was sold to XXXX effective XX/XX/XXXX however this can not be true because there was nothing to sell. XX/XX/XXXX I received letter from XXXX that XXXX has acquired my old account for the same debt and they are handling the collection and a collection balance of {$1300.00} was placed on all three of my credit reports. XX/XX/XXXX - I sent a letter disputing the {$1300.00} collection balance on my credit reports to both XXXX XXXX and XXXX that this debt was invalid and provided them proof payments including the settlement offer letter I have in my records. Canceled checks were also provided but the response from XXXX XXXX is that the debt was sold to XXXX. XX/XX/XXXX - Received letter from XXXX with debt validation and denied my request to correct or remove the debt owed. XX/XX/XXXX - Received XXXX letter from XXXX with a debt validation and will not remove from my credit reports. This collection balance is incorrect and is in violation of the FCRA. The original creditor- XXXX XXXX, had no legal right to sell it as there was nothing to sell. And XXXX has no legal right to report something not owed. I do not owe {$1300.00} and XXXX needs to remove this debt from the credit reports. And XXXX XXXX needs to resolve their balance dispute with XXXX and is between them XXXX to update their records and disputes are not with 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 2026-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: GA

Complaint narrative:
I've already successfully settled this debt with XXXX XXXX XXXX legally However they still proceeded to still move forward and breach of our settlement contract to still sell my settled debt to national recovery agency despite settling the debt in court

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I disputed a {$660.00} credit card charge from XXXX XXXX XXXX because I never authorized the work that was billed. I brought my vehicle to the shop for a state safety inspection only. I did not authorize any additional repairs or services. After the inspection was completed, the merchant charged my credit card {$660.00} for additional work that I never approved. At no point did I sign a repair authorization, estimate, work order, or receipt agreeing to these charges. When I disputed the charge with Bank of America, the merchant informed Bank of America that I authorized the work. However, the only documentation that exists is an unsigned repair order and an inspection receipt. The merchant later provided a receipt with a signature line that does not contain my signature. The receipt contains a signature line that does not contain my signature. The repair work order does not contain any signature or authorization from me. Despite the lack of any signed authorization, Bank of America denied my dispute and stated that documentation showed I authorized the transaction. I mailed a written escalation to Bank of America requesting copies of the documentation they relied upon to determine that I authorized the charge, including any signed receipt or repair authorization. To date, no document bearing my signature has been provided. This dispute is not about dissatisfaction with services. It is about a charge being processed without my authorization and the bank concluding that authorization existed without producing evidence showing my consent. To date, no document bearing my signature authorizing the additional work has been produced.

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 2026-03-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OK

Complaint narrative:
I am filing this complaint against XXXX XXXX for fraudulent and inaccurate credit reporting stemming from XXXX mishandling of account ownership and collections. I moved to XXXX, XXXX in XXXX and procured XXXX services with a roommate. In XX/XX/XXXX, I moved out. At that time, the XXXX account was formally transferred into my roommates name. We were both on the phone with XXXX XXXX this process and provided all requested information, including names, email addresses, phone numbers, and Social Security numbers. I received an email confirmation from XXXX confirming the account update. From that date forward, I no longer had any ownership, responsibility, or association with that account. In XXXX, I opened a separate XXXX account at a different apartment. I later canceled that service due to dissatisfaction, and I have email confirmation showing proper cancellation with no outstanding balance. In XXXX, the current resident at the XXXX address discontinued XXXX services and failed to pay their final bill. XXXX sent billing and collection notices to the account holder, not to me. Despite this, XXXX incorrectly and fraudulently reported the delinquent account as a collection under my name, even though I had no legal or factual association with that account. I contacted XXXX multiple times. I was instructed to visit a XXXX store, where I went with the actual account holder. XXXX employees confirmed XXXX error, apologized, and stated notes were added to the account. I was told to call customer service to have the collection removed. On Friday, XX/XX/XXXX, I called XXXX and was told a supervisor would review the matter and return my call. No one contacted me. On XX/XX/XXXX, I called again and was told I must submit an identity theft affidavit before XXXX would correct the issue. This is not identity theft. This is XXXX internal failure to properly manage and report account ownership. Requiring me to submit false identity theft documentation to correct XXXX mistake is unreasonable and improper. Due to XXXX wrongful reporting : My XXXX XXXX dropped XXXX points I was disqualified from my FHA loan I am now required to provide {$10000.00} as a down payment to close on my home XXXX XXXX prevents correction before my scheduled closing

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Subject : Formal Complaint and Dispute of Unauthorized Transactions Credit Karma Spend Account I am submitting this complaint regarding my Credit Karma Spend checking account and the handling of unauthorized debit card transactions that occurred in XX/XX/year>. On XX/XX/year>, I realized that I no longer had possession of my physical debit card. After retracing my steps, the last place I clearly remember having the card was inside the middle console of my vehicle. Since that time, my vehicle had been detailed and serviced by a dealership mechanic, making it unclear when or by whom the card may have been removed. After receiving my tax refund, I had been regularly using my Credit Karma Spend account for normal purchases. While reviewing my transaction history, I noticed XXXX charges from XXXX that I did not authorize and did not make. These transactions are as follows : XX/XX/year> XXXX {$880.00} XX/XX/year> XXXX {$180.00} XX/XX/year> XXXX {$190.00} These charges were not made by me, nor were they authorized by me in any way. I primarily use mobile tap-to-pay for my purchases and rarely use my physical debit card, which further raises concern that these transactions were conducted by someone who had physical possession of the card without my knowledge or consent. After discovering the unauthorized transactions, I promptly reported them to Credit Karma. I received an email stating that the matter would be investigated and that a provisional credit may be issued during the investigation process. However, only a few days later I received another email stating that Credit Karma could not meet my checking account needs and that my account would be closed. As a result, my account was shut down and the dispute appears to have been dismissed without properly resolving the fraudulent transactions. Because the account was closed, I am now left without a clear path to recover the funds that were taken from my account. The total amount of the unauthorized transactions is {$1200.00}. I believe this situation was handled improperly and does not reflect fair banking practices. I reported the issue in good faith and expected a thorough investigation under consumer protection standards for unauthorized debit card transactions. Instead, my account was closed and the issue remains unresolved. I am requesting the following actions : 1. A full and fair investigation into the unauthorized transactions listed above. 2. Reimbursement of the total disputed amount of {$1200.00}. 3. Documentation explaining the basis for closing my account instead of completing the dispute investigation. These transactions were not authorized by me and I respectfully request that this matter be reviewed and resolved promptly. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XXXX I discovered that three charges had been made on my Capital One credit card. Two charges were inn the amount of {$2100.00} and one was in the amount of {$2100.00}. One of the lower amounts was removed as a duplicate charge. The charges were made to XXXX XXXX, two different stores, both in XXXX. I did not make either charge and have not been to XXXX in several years. I contacted Capital One and reported it immediately and they were to investigate. Capital One informed me that XXXX XXXX told them that the XXXX address which the items were ordered from matched mine and they were closing the case. Eventually I got the actual orders and the XXXX address does NOT match mine. Capital One further advised that XXXX XXXX had received my phone number as proof of identity which is against their written company policy ( they have to see the card or a government ID ) I should point out here that Capital One did no investigation at all. XXXX XXXX did eventually send letter to the local law enforcement agency which agreed that they were a fraudulent transactions. That letter from XXXX XXXX was dated XXXX. The XXXX from XXXX XXXX was XXXX XXXX ( XXXX ) XXXX. All of XXXX information either I got myself or the law enforcement person got it. Capital one now refuses to even discuss it with me saying there is nothing they can do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
Credit card misused and checking account being closed because of fraudulent charges made over my credit card limit. XXXX was stolen from XXXX XXXX in XXXX of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I am filing a complaint against Capital One regarding a Capital One Shopping promotional rewards offer that has not been honored. On XX/XX/year>, I used the Capital One Shopping portal to complete a XXXX XXXX order as a new customer for XXXX new lines ( Order # XXXX ). While on XXXX site, the Capital One Shopping overlay clearly showed {$750.00} Rewards Limitedtime offer applied. I captured screenshots of this and completed the order in the same session. I paid {$300.00} in taxes and fees on XXXX XXXX XXXX XXXX devices. XXXX XXXX XXXXrn period expired on XX/XX/year>. Capital One Shopping responded to my initial inquiry on XX/XX/year>XXXX XXXX XXXX XXXX XXXXXXXX, reference XXXX ) and told me to reach back out if the reward did not appear by XX/XX/year>. As of XX/XX/year>, no reward shows as pending or credited in my Capital One Shopping Rewards & Savings Dashboard. I followed up multiple times and provided : - The offer email and onscreen banner showing Up to {$750.00} Rewards Limitedtime offer applied for XXXX XXXX XXXX XXXX order confirmation and itemized receipt ( Order # XXXX ) - Screenshots of my Capital One Shopping dashboard showing no tracking for this purchase Capital One Shopping has now opened a second ticket ( # XXXX ) and most recently replied on XX/XX/year> with only a generic statement that my request is under review and XXXX take XXXX business days or longer. This is now more than XXXX months after the purchase and well beyond both XXXX return window and Capital Ones own written XX/XX/XXXX deadline. I believe Capital One has failed to honor a clearly advertised promotional reward, despite having full documentation that I qualified under the stated terms and completed the purchase through their portal. I am requesting that Capital One be required to : - Apply the full promotional reward ( {$750.00} + $ XXXX for XXXX lines ) to my Capital One Shopping account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Subject : Unlawful Withholding of Funds Following Account Closure Citibank Account Details : Account ending in XXXX : Balance of {$470000.00} Account ending in XXXX : Balance of {$380000.00} Date of Closure : XX/XX/year> Citibank closed these accounts several months ago. Despite the closure, they have failed to issue a cashier 's check or transfer the remaining balances to my external accounts. I have made numerous attempts to resolve this via phone and in-branch visits, but I am consistently told the accounts are " under review '' or " in the process of liquidation '' with no concrete timeline provided. I have made exhaustive attempts to resolve this through standard customer service channels and branch management. In every instance, I have been met with vague assertions that the accounts are " under review, '' yet no legal justification has been provided for the continued seizure of nearly {$900000.00} of my capital. If these funds are not released or a specific, legally substantiated reason for the hold is not provided within this timeframe, I will have no choice but to escalate this matter to the Office of the Comptroller of the Currency ( OCC ) and pursue all available legal remedies, including a lawsuit for the recovery of funds, interest, and legal fees.

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 2026-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
This company sent me a collection notice last XX/XX/XXXX and it was from XXXX. I called and asked them if I had a contract with them for this dispute and could they provide. They would not, I went back in my records and found the payment they are claiming I did not pay. I sent the info to the XXXX agencies to dispute. XXXX of the agencies removed it upon proof. The other XXXX would not. I sent a trackable set of documents and they would not accept and sent it back. I have not been able to get them to remove the other XXXX. I called as well. If you go online you can see over XXXX complaints against this company. They are trying to ruin my credit because they bought a debt that was paid. Not my problem. I have proof of all of this. They need to be stopped from using these abusing tactics. I would appreciate any help you might be.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have been in communication with Bridgecrest for over a month due to my account being behind. I was told that if I made a payment of XXXX before the due date of XX/XX/XXXX or on the date, I have been getting emails that had been giving misinformation with the time dates and amounts. Which I was referring to to keep up with my payment alongside the app online. The app doesnt give you full breakdowns like it needs to so I also referred to my emails which I do have but one of my main concerns is while I was in my vehicle. There was hooks attached and damaged my vehicle vehicles as the repo agent was trying to repossessed my car while I was still inside of the car. So Im knowledge that is illegal in Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: MA

Complaint narrative:
Validation of Debt Request - XXXX - XXXXXXXX XXXX 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 explanation
Consumer complaint received 2026-03-16 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: CA

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 2026-03-16 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: Shellpoint Partners, LLC
State: MO

Complaint narrative:
This complaint is a follow-up to CFPB Complaint XXXX. Shellpoint Mortgage Servicing closed the complaint with an explanation relying on a loan modification dated XX/XX/2023. However, I dispute the validity of this modification and the resulting principal balance. The company claims the modification was fully executed and provided a copy. I did not authorize or knowingly execute a loan modification and request verification of the execution of this agreement. Additionally, the response declined to provide servicing transfer and loan boarding records necessary to reconcile the principal balance discrepancy identified in my complaint. The principal balance remains significantly higher than the balance projected under the original loan terms, and the company has not provided documentation explaining how the current balance was calculated. I request that the CFPB review this matter again and require Shellpoint to provide documentation verifying : the execution of the XX/XX/2023 loan modification, reconciliation of the principal balance from origination through the present, documentation supporting the servicing transfer and balance boarding process.

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 2026-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
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