vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am submitting this complaint against Midland Credit Management XXXX Inc. regarding a collection account reported as MIDLAND CRED, with the alleged original creditor listed as XXXX XXXXXXXX XXXX XXXX, account reference # XXXX. This account appeared on my credit report without any prior written notice being sent to me. I was never notified of this alleged debt before it was reported, which is a direct violation of FDCPA 1692g ( a ). I was denied my right to receive notice and dispute the account before it caused damage to my credit.

After discovering the account on my credit report, I requested validation well over 60 days ago. Despite that request, Midland has continued to report this collection without providing any real proof that the debt is accurate, that I owe it, or that Midland has the legal right to collect or report it. To date, I have not received a copy of the original XXXX XXXXXXXX agreement, a full itemized breakdown of the balance, the date of first delinquency, proof of assignment or sale of the account from XXXX XXXXXXXX XXXX to Midland, or proof that any required notice was ever mailed to me. Simply stating that a debt exists or labeling it as verified is not lawful validation. 
Midland Credit Management is a known debt buyer with a documented history of consumer complaints and lawsuits related to improper collection practices, including reporting debts without sufficient documentation and relying on incomplete or inaccurate data. Continuing to report this account without producing verification constitutes inaccurate furnishing under FCRA 1681e ( b ), failure to conduct a reasonable investigation under FCRA 1681s-2 ( b ), and noncompliance with Metro 2 reporting standards, which require data to be complete, accurate, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I made a purchase of two concert tickets on XXXX XX/XX/year> from the merchant XXXX. The amount was {$190.00} and, to date, I have had to re-open a dispute regarding this case due to a lack of transparency in the investigation process and a clear lack of understanding of laws concerning valid transactions. I have disputed this transaction three times and each time Goldman Sach 's response has been, " you agreed to the terms of service when you made the purchase. '' They have refused to let me speak to anyone conducting the investigations or involved in reaching the decisions. Please keep in mind that a purchase is a transfer of goods or services between two parties and that the Fair Credit Billing Act provides a legal right to dispute any credit card transactions where the good or service were not received. Therefore, XXXX 's insistence that all sales are final absolutely do not apply here as they did not carry out their end of the transaction. They simply took my money. 

Each time I have opened this dispute, XXXX simply provides a screenshot of an email addressed to me and Goldman Sachs accepts it as fact. They do ZERO verification if this email was actually sent or if the supposed tickets inside it were valid. To make matters worse, they are currently refusing to allow me to submit audio files of a sixty minute phone call that I had with a XXXX representative as evidence. In this call, the representative alludes to the fact that my tickets were cancelled in XXXX and distributed to another customer because I disputed the transaction. ( If this is the case, an Apple Card support representative confirmed in a text support chat that this is not permitted activity from a vendor ) In the call, they also admit that they can not provide any proof that the email they've continually sent as evidence was actually delivered. I was notified that I was being recorded by XXXX and I notified the representative that I was recording them. This is absolutely permissible evidence and the refusal to consider it is shocking and shows clear anti-consumer sentiments and a level of favorability to the vendor that is not provided to their own customers. 

The fact of the matter is that XXXX promised me, as a customer, that tickets were currently available when I made my purchase. This was untrue and my tickets did not arrive when they were initially promised. 

XXXX also sent me multiple emails confirming that my tickets would always be available in my XXXX account. I have provided evidence multiple times that the tickets have never been available there and, to this date, there is still no record of them in my account. 

Please see attached evidence that I have provided to Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: Frost-Arnett Company
State: WA

Complaint narrative:
I have twice been contacted regarding supposed outstanding debt from XXXX XXXX XXXX XXXX XXXX of XXXX, Texas. The contact was supposedly from Frost-Arnett company but the contact phone number for them does not appear to be associated with Frost-Arnett and appears to be a scam number. I have never been to this medical center nor have I been in Texas within the past 20 years. While XXXX XXXX XXXX XXXX XXXX XXXXs named in the contact there was no account number to reference. I believe the link given in the text message is fraudulent and I did not click the link nor go to the web address of the link provided. I have made no interaction with this text. 

I have sent Frost-Arnett company in Texas a standard demand letter for information and am waiting for a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: eToro USA LLC
State: CA

Complaint narrative:
I've opened an account with eToro ( XXXX XXXX XXXX  ) through a {$500.00} promotional offer on XX/XX/XXXX. The offer XXXX XXXX XXXX XXXX stated that the promotional bonus would be granted after transferring {$5000.00} to the account. I made 3 bank transfers : {$1000.00} and {$1000.00} on the XXXX, and {$2900.00} on the XXXX, totaling {$5000.00} required to receive the bonus. The bonus I received was {$30.00}. I contacted eToto 's customer support on XX/XX/XXXX, asking to look into the issue. They responded that only the first transaction qualified for the bonus. The XXXX & XXXX 's of the promo did not have any mention that {$5000.00} had to be transferred in one transaction to qualify for the full bonus amount, which I mentioned to the customer support. They responded with a link to the same document that I reviewed when applying for the promo, only now it was modified and the language was added to state that only the first transaction qualified for the bonus. Here 's the link to the modified XXXX & XXXX 's document ( Part II, Section C ) XXXX XXXX XXXX XXXX. It seems like it was updated sometime around XX/XX/XXXX. I am also attaching the original version of the same document which was active when I applied for the bonus.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV Funding LLC ( XXXX XXXXXXXX ) XX/XX/year> {$1000.00} Sent letter requesting validation No reply ; account printout received Sent dispute request to XXXX XXXXXXXX : XXXX and Transunion XXXX : XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have months with my account closed without any explanation or prior notice from this bank, I have my money deposited before of closure is cleared long time ago and at this time is waiting for my refund check to be received as per according terms, rules and rights on our contract of bank and consumer, they have many time with my money held without any explanation, already contacted many times and inclusive go to a branch for able to fix this but no solution are obtained so kindly request attention on this unfair situation and just need cooperation from this bank to fix this and finally obtain my refund check on my address on file, I need escalation for this arbitrary treatment from this bank, they askin for information that already provided and confirmed so I dont know why they no verified at all, this is arbitrary and unfair procedure from this bank, so I kindly request again a solution and a valid explanation of this arbitrary actions, I hope for real solution and cooperation please...

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 2026-01-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NJ

Complaint narrative:
Good daythis situation is utterly frustrating and debilitating. Waking up to discover an unknown, unverified debt that isn't mine, followed by relentless harassment across multiple communication platforms using various tactics, is unacceptable. I never imagined starting my day with threats of legal action. As a law-abiding citizen, having my consumer rights blatantly violated is deeply insulting. This ordeal is severely impacting my mental health, causing sleepless nights and ongoing distress.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NJ

Complaint narrative:
I am submitting this complaint against XXXX Genesis regarding the collection account listed as Account XXXX XXXXXXXX for {$230.00}, with the alleged original creditor XXXX XXXX. This account was placed on my credit report without any prior written notice, which is the first and most serious violation. I never received the required initial notice before this debt appeared on my credit report, in direct violation of FDCPA 1692g ( a ). That violation alone carries statutory damages of up to {$1000.00}, which far exceeds the alleged balance being reported. After discovering this account, I formally requested validation more than 60 days ago, yet XXXX Genesis has continued reporting and collection activity without providing lawful verification. To date, they have not produced any documentation demonstrating that this debt is accurate, legally owed, or that they have authority to collect or report it. Proper validation requires more than a balance and a name it requires the original creditor agreement or lease, a complete itemized accounting of how the balance was calculated, the date of first delinquency, proof of assignment or chain of custody from the original creditor, proof of legal authority to collect, and evidence that proper notice was sent and delivered. None of this has been provided. Continuing to report this account without validation constitutes inaccurate furnishing under FCRA 1681e ( b ), failure to conduct a reasonable investigation under FCRA 1681s-2 ( b ), and noncompliance with XXXX XXXX reporting standards, which require complete, accurate, and verifiable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Payment Resolution Services
State: CA

Complaint narrative:
XXXX  sent me a letter on XX/XX/XXXX claiming that they did not receive a reply to my letter sent on XX/XX/XXXX. I reject this claim, as I replied to their letter on XX/XX/XXXX via certified mail. According to USPS, my letter was delivered on XX/XX/XXXX at XXXX local time ( tracking number XXXX ) to the address you requested, XXXX  Attn : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Attached is a photo of letter and tracking information from time of mailing at USPS as well as a print out of the tracking information from USPS.

Also included is a copy of my Explanation of Benefits dated XX/XX/XXXX for the claim in question. This statement shows my total responsibility as {$24.00}. Since I paid my provider the full amount of {$1000.00} directly, it follows that I am not responsible for the {$420.00} XXXX  claims I owe. As such, I dispute this debt and deny any personal liability. Please note that employees of XXXX XXXX XXXX team have attempted to contact XXXX  multiple times to recall this debt from collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
Ally changed my XXXX transfers from instant to delayed after years of normal service. On three separate calls, Ally Support repeatedly stated XXXX controls it, which is inaccurate, and can not explain the downgrade or provide escalation. I am requesting a clear explanation of what changed, why, and whether it can be restored.

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 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Complaint Narrative I am filing a complaint regarding a prolonged hold on a check deposit and repeated procedural failures by PNC Bank that made resolution unnecessarily difficult despite my full cooperation. 



I deposited a check and a hold was placed on the funds. I contacted PNC to resolve the issue and was told verification could occur. Over the course of multiple phone calls totaling more than 90 minutes, I received inconsistent and conflicting instructions from different PNC representatives. 



Earlier today, I spoke with a representative named XXXX in the fraud department. Instead of assisting with resolution, the representative became upset during the call and transferred me back to the general customer service line, stating I would need to speak with another fraud examiner or fraud specialist. 



I then spent approximately 40 additional minutes on the phone and was instructed to provide a reference number to the check writer so that their bank could verify the transaction. This instruction was given by another PNC representative named XXXX. I followed this direction exactly. 



When the check writers banker called PNC using the reference number I was provided, they were informed that no action could be taken because the reference number belonged to me, not the account holder, and that the account holder would need a separate reference number. This critical requirement was never communicated to me during the prior calls and could have been explained during the initial 40-minute conversation.

As a result, multiple parties time was wasted, and the verification process failed solely due to inconsistent guidance from PNC. At no point was a clear, accurate, or complete process explained from the outset. Had I been told initially that the account holder required their own reference number, the issue could have been resolved immediately.

I filed a complaint on XXXX the number is XXXX XXXX was great These failures caused significant stress, unnecessary delay, and administrative burden. I complied with every instruction given, yet PNCs internal miscommunication made verification practically impossible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I hold a Capital One credit card. On XX/XX/year>, I attempted a balance transfer and discovered that Capital One does not permit outbound balance transfers. This restriction was not clearly disclosed at account opening or in marketing materials. When I contacted customer service on XX/XX/year>, the representative could not provide a usable account number or explain any method to transfer the balance. Instead, he seemed rather confused about the whole concept of balance transfer. 

As a result, I am unable to move my balance elsewhere and continue to accrue interest solely because Capital Ones policy is designed to keep balances on their books to maximize profit, rather than to allow consumers flexibility in managing debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: SC

Complaint narrative:
I had a lot of unauthorized payments, missing out of my Back account, account I had hooked up to cash app, XXXX XXXX XXXXXXXX and my XXXX XXXX XXXX XXXX XXXX  account, as well, back since, XX/XX/year>!, and then some, and just the other day I called y'all number to file a complaint and one of your employees claims to be a cash app employees, lieing, said he can help, me, retrieve my cash app security settlement, money and windup, stealing, {$150.00} out of my Account, just the other day, I windup calling the ( CFPB ) and claiming to have work for your company and, Steal my money, the ( CFPB ) number I call that what was on the computer, the number I call is ( CFPB ) ( XXXX ) XXXX XXXX and had me to download a app ( XXXX  ) and said, he was going to deposit, money in to my account, from the cash app security settlement, and windup stealing, my money out of my account, and said that he work for your company and he said his name is, XXXX XXXX and he started missing with my phone from the cash app account and than, type in some, email : XXXX, said he work for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Lending Services LLC
State: OR

Complaint narrative:
I paid off a car loan through a trade in, and I was owed a {$3200.00} refund due to an extended warranty cancellation. Global lending services is holding the funds long after verifying the funds have cleared. They now say I will not receive the check until mid XXXX, for a car that has been paid off since XXXX. 

Global Lending Services is unwilling to send the refund now, even though the funds have cleared, or work with me to expedite shipping my {$3200.00} check. They say they will send a check on XX/XX/year>, with up to 20 days mail transit time. 

I am seeking expedited shipment of the check to me, I am willing to pay for overnight shipping.

Company response to consumer: Closed with explanation