vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have had AmEx card 43 years and always pay on time. In April there was a processing delay of 4 days and they charged over {$460.00}. They said in 2022 I enrolled in pay over time and this triggered charge. I have no recollection of enrolling in pay over time as I pay my balance in full each month and this would make no sense. I paid in full in April also ; apparently a couple of days late. I would accept the {$29.00} late fee but ~ {$460.00} of interest is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am attaching the audio recording of my conversation with the customer service representative regarding my agreement. In this recording, she explicitly demonstratesin XXXX complete disregard for the terms and confirms that they broke the agreement simply because I requested that they stop calling 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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
Complaint Against : Qualia Collection Services and The Villages of XXXX XXXX Apartments Complaint Type : Debt Collection / Credit Reporting Complaint Details : I am filing this complaint regarding an alleged apartment debt being reported and/or collected by Qualia Collection Services related to The Villages of XXXX XXXX Apartments in XXXX, Texas, Apartment Unit XXXX. The amount being claimed is approximately {$1300.00}. I dispute this debt in its entirety. I requested validation and documentation supporting the alleged charges, including itemized statements, inspection reports, repair invoices, photographs, and proof supporting the balance claimed. To date, adequate validation has not been provided. Despite the lack of proper verification, the account has been reported and/or continues to be reported to credit reporting agencies. I believe the reporting is inaccurate, misleading, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. My concerns include : Failure to properly validate the alleged debt Reporting disputed information without adequate verification Potential inaccurate credit reporting Collection attempts on an unverified debt Failure to provide sufficient documentation supporting charges beyond normal wear and tear I am requesting the following resolution : Immediate investigation of the disputed account Complete validation of the alleged debt Removal of inaccurate or unverifiable information from all credit reporting agencies Confirmation that the account is marked as disputed Cessation of collection activity until proper validation is provided I request that the CFPB review this matter and require the company to comply with all applicable federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received an airline credit card refund to a closed account ( Bilt ) and the refund was directed to Wells Fargo who opened a new account for me. On or about XX/XX/XXXX I asked them to close account and they stated they would mail a refund. Refund check # XXXX never received- it was sent to old address. I called them and they cancelled check and reissued Refund check # XXXX - confirmed they had good address. After XXXX days no check recieved. Escalated the complaint to the Wells Fargo ECMO team. They cancelled check XXXX @ and said they would reissue check number XXXX on XX/XX/XXXX. It is now XX/XX/XXXX and still no check. Claim # XXXX account ending 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 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SOFI TECHNOLOGIES, INC.
State: UT

Complaint narrative:
b'I am filing this complaint against SoFi for deceptive sales practices, material oral misrepresentation, and fraudulent inducement regarding a personal loan transaction.\n\nOn XXXX XXXX XXXX I was reviewing an offer on the SoFi website that stated I was approved for $XXXX in additional funding. Upon reviewing the digital paperwork, I actively paused the transaction because the contract appeared to structure the deal as a total loan refinance with a significantly higher interest rate (moving from my original XXXX% rate to a XXXX% rate), rather than adding a separate pocket of new funding. I chose not to sign the agreement due to these unfavorable, hidden terms.\n\n On XXXX XXXX XXXX at XXXX XXXX MST, I received a phone call from a SoFi representative from phone number XXXX XXXX to my number XXXX inquiring why I had not completed the digital signature.\n\nI explicitly told the agent that I hadnt signed the application because I did not want to refinance my existing XXXX% loan into a XXXX% loan with no new capital. The agent explicitly countered this and stated that the transaction was in their system as a "XXXX, independent loan" that would provide an additional $XXXX in funding. I verbally confirmed with the agent, asking: "So I will have two separate monthly payments, and my old loan remains untouched?" The agent explicitly confirmed this was correct.\n\nRelying entirely on this explicit verbal assurance from an authorized corporate representative, I hung up the phone and signed the contract.\n\nImmediately afterward, the system funded. Instead of receiving a second loan with $XXXX in new cash, the system executed a total refinancewiping out my original XXXX% interest rate, replacing it with a XXXX% interest rate, paying off my old loan, and leaving me with a balance of only -$XXXX.\n\nI immediately called customer service to halt the processing. A virtual assistant informed me that personal loan refinances cannot be used to pay off old loans in this manner, while a subsequent live agent told me the exact opposite: that I had refinanced to pay off the old loan and would receive no additional funds. When I attempted to stay on hold to speak with a Tier XXXX supervisor to cancel the "in-process" transaction, I was left on a broken hold loop indefinitely. I have also sent an immediate written cancellation request to XXXX.\n\nBecause I was intentionally misinformed by a SoFi agent to bypass my explicit hesitation and induce a signature, this contract constitutes fraudulent inducement and a clear violation of UDAAP (Unfair, Deceptive, or Abusive Acts or Practices) under the Dodd-Frank Act.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX is a legendary American streetwear and hip-hop apparel brand founded in 1999 by XXXX and XXXX XXXX XXXX Today, it functions as an accessible, casual streetwear label owned by XXXX XXXX and is widely available at online retailers. XXXX generates an estimated annual revenue in the range of {$10.00} million to {$50.00} million today. However, at its peak in the mid-2000s, the hip-hop apparel empire was a massive commercial powerhouse, generating over {$700.00} million in annual sales before XXXX sold the brand to XXXX XXXX XXXX for {$200.00} million.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: MD

Complaint narrative:
I am submitting an update to my complaint regarding National Debt Relief ( XXXX ). On XX/XX/year>, XXXX attempted to debit {$280.00} from my bank account even though I had : Revoked authorization for NDR to debit my account on XX/XX/year> Instructed my bank to block all future ACH withdrawals Terminated the NDR program in writing Because the debit occurred after my revocation, it is an unauthorized ACH transaction under Regulation XXXX I disputed the charge with my bank ( XXXX ), but the bank initially declined the dispute. I have requested that the dispute be resubmitted as an unauthorized ACH debit. This attempted withdrawal after revocation is part of the pattern of issues described in my original complaint, including contradictory information, failure to provide documentation, and improper or unexplained fees. I am requesting that this unauthorized debit be included in the CFPBs review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a note message from my banking ( XXXX ) that I have a major derogatory report on my credit report. I went to XXXX and viewed my report and there was a fraudulent charge from a Debt Collector ( XXXX XXXX ). The originator of this loan was " Cash Net USA '' for {$1000.00}. Now I owe {$2400.00} to pay off the debt. Apparently this was opened for {$1000.00} XX/XX/year>. I never received any correspondence throughout the year. When XXXX emailed me this was the first time to be alerted to this change. What I can only think happened was the {$1000.00} XXXX XXXX loan was taking out via XXXX XXXX, then the perpetrator was given a year to pay it and was delinquent. The note said I was XXXX days overdue. My score was in the XXXX 's and dropped XXXX points because of this. I have excellent credit to debt ratio, have not missed a payment in years ( or maybe even my entire life ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
What documentation supports the current balance and account status

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
I am filing an urgent complaint against SoFi Bank for unauthorized account actions, severe ledger mismanagement, and a failure to protect my account from system errors that threaten a valid dispute. A SoFi XXXX opened an unauthorized dispute on my account without my knowledge or consent regarding a {$52.00} transaction that was made on XX/XX/XXXX ( and posted on XX/XX/XXXX ). I did not authorize a dispute for that XXXX XXXX transaction. The only dispute I authorized and consented to was for a completely separate transaction of an identical amount ( {$52.00} ) that was made on XX/XX/XXXX ( and posted on XX/XX/XXXX ). A bank XXXX previously confirmed to me in writing that the unauthorized file ( the XXXX XXXX transaction ) was successfully canceled. Today, XX/XX/XXXX, the bank completely contradicted that agreement, stating via email that the cancellation is 'not guaranteed. ' Because the unauthorized dispute was active on my profile, the bank 's automated system has mechanically pushed an unearned, duplicate {$52.00} provisional credit into my account. I have contacted both chat and phone support to have this duplicate credit removed and the unauthorized case closed. XXXX staff and XXXX openly admitted on the phone that leaving this unauthorized file active risks causing the automated system to 'see double ' and wrongfully reject my legitimate XXXX XX/XX/XXXX transaction dispute. However, they stated they are powerless to manually override it. SoFi has logged this internally under Reference # XXXX. Because the bank refuses to correct an unauthorized action that actively threatens my valid dispute, I require high-level corporate intervention to override the automated system. These issues were directly caused by SoFi without my consent or control I should not be left to deal with the stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am filing this complaint regarding Bridgecrests inaccurate and incomplete post-repossession accounting practices involving my repossessed vehicle account. The retail installment contract included financed ancillary products including : - XXXX coverage, - Vehicle Service Contract coverage, - and XXXX products . Bridgecrests own ledger reflects a XXXX payment was applied to the account after repossession. However, the creditor has failed to provide any accounting or reconciliation regarding potential refunds, rebates, or cancellation credits associated with the financed Vehicle Service Contract and XXXX products . Additionally : - Bridgecrest claims the vehicle sold for only {$1900.00}, - yet has failed to provide auction records, condition reports, buyer invoices, bidding records, or proof of commercially reasonable disposition. The creditor also deducted disposition expenses without providing supporting documentation. Further concerns exist regarding the mailing of repossession notices to an outdated address despite the creditors apparent knowledge of my current residence, as I have been residing at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX since XX/XX/year>. The creditor had prior communications with me at this address and repossession-related activity was connected to this residence, yet notices were still mailed to a previous XXXX, NY address. Despite multiple requests, Bridgecrest continues to : - provide incomplete responses,- fail to provide requested documentation, - and continue reporting a disputed deficiency balance to consumer reporting agencies. I dispute the accuracy and completeness of the deficiency balance because the creditor has failed to provide a transparent and fully reconciled accounting of : - auction proceeds, - disposition fees, - XXXX adjustments, - ancillary product refunds, - and all post-sale credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
Subject : Illegal Billing of Discharged XXXX XXXX XXXX Federal Student Loans by AidvantageI am a former student of XXXX XXXX XXXX. In XX/XX/XXXX, the U.S. Department of Education announced a 100 % automatic group Borrower Defense discharge for all federal student loans borrowed by students who attended XXXX XXXX between XX/XX/XXXX, and XX/XX/XXXX. My federal student loans fall completely within this group discharge.Despite this legal, automatic federal discharge ruling, my loan servicer, Aidvantage, is continuing to send me bills and demand active payments on these accounts.Aidvantage is failing to accurately update its records, or it has failed to place my account into the mandatory administrative forbearance required while a Borrower Defense group discharge is being finalized by the Department of Education.I was told over XXXX years ago this would only take XXXX months to resolve and yesterday got bill again, I contacted them today said would be about XXXX months I keep getting the same answer and not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliance One, Inc.
State: IL

Complaint narrative:
On XX/XX/2026, I received a collection notice from AllianceOne Receivables Management regarding an alleged debt of {$6000.00} on a XXXX XXXX Card account. The notice instructed me to dispute by XX/XX/2026. On XX/XX/2026, I sent a written debt validation request via USPS certified mail, disputing the debt in its entirety and requesting validation pursuant to FDCPA 1692g. The letter was delivered to AllianceOne 's XXXX XXXX, PA address on XX/XX/2026 at XXXX ( USPS Tracking No. XXXX ), confirmed delivered to an individual. AllianceOne never responded. No validation was provided. No communication of any kind was received in the 71 days following confirmed delivery. Despite this, collection activity continued my account was reported as 30, 60, and 90 days past due to XXXX, and the account was closed by creditor action. All of this occurred while my timely validation dispute was legally required to suspend all collection activity under FDCPA 1692g ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC.
State: SC

Complaint narrative:
Was not giving records of payments from XXXX. When making payments loan amounts increased instead of decreased. Prolonged income based plan review for several months. Never received applied or denied status. Between XX/XX/year> and XX/XX/year>, made payments equal to {$300.00}. Loan amount went from {$4600.00} to {$5600.00}. Between XX/XX/year> and XX/XX/year>, made payments equal to {$240.00}. Loan amount went from {$3800.00} to {$4600.00}. This pattern is similar with other loans. Received default statement amount of {$26000.00}. Requested documentation of payments and fees. Nothing was provided at the time. Recently received " notice of default '' with amount above {$30000.00}.

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Portfolio Recovery Associates is reporting XXXX collection accounts on my consumer credit reports that I dispute as inaccurate, incomplete, and not properly verified. Both accounts are listed as Portfolio Recovery Associates with original creditor XXXX XXXX XXXX. XXXX account is reporting a balance of {$760.00}, and another account is reporting a balance of {$280.00}. I am requesting complete validation and verification for both accounts separately. Portfolio Recovery Associates must provide the original XXXX XXXX agreement, complete billing statements, full itemized balance calculations, date of first delinquency for each account, proof that Portfolio Recovery Associates owns each debt or has legal authority to collect each debt, and all documents used to verify the reporting with XXXX, XXXX, and XXXX. I am also concerned because both accounts are being reported by the same debt buyer, with the same original creditor, similar account numbers, and different dates/removal estimates. I need Portfolio Recovery Associates to prove these are separate, valid, legally collectible accounts and not duplicate or improperly reported collection accounts. These accounts are damaging my credit. If Portfolio Recovery Associates can not provide complete documentation proving the accuracy, ownership, balances, dates, and separate validity of each account, I request that the accounts be deleted from XXXX, XXXX, and XXXX. I also request that Portfolio Recovery Associates correct any inaccurate balance, date, status, remarks, duplicate reporting, or collection information being furnished to the credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CO

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 CXX/XX/XXXXe XXXX - XXXXisclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief