vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 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: CA

Complaint narrative:
For Midland Credit Management ( {$740.00} XXXX XXXX XXXX ) In XX/XX/year>, I sent a written dispute letter to Midland Credit Management requesting validation of a {$740.00} debt they are reporting. The original creditor is listed as XXXX XXXX XXXX. This debt is not mine. I have no knowledge of it. Midland has never provided any proof, including a signed contract or chain of assignment. Despite my dispute, Midland continues reporting this account. I am requesting immediate deletion. -- - For Midland Credit Management ( {$670.00} XXXX XXXX XXXX ) In XX/XX/year>, I sent a written dispute letter to Midland Credit Management requesting validation of a {$670.00} debt they are reporting. The original creditor is listed as XXXX XXXX XXXX XXXX. This debt is not mine. Midland has provided no proof that I owe this debt or that they have legal standing to report it. They continue reporting without validation. I am requesting immediate deletion. Complaint # 5 Midland Credit Management ( {$670.00} XXXX XXXX XXXX ) Complaint Type : Debt collection Company Name : Midland Credit Management Company Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue Description : Midland Credit Management is reporting a second collection account for {$670.00}, originally from XXXX XXXX XXXX XXXX. Like the other Midland account, this is unverified debt bought by a debt buyer. Midland has provided no proof of legal standing, no signed contract, no chain of assignment, and no payment history. Despite this, they continue reporting this account to credit bureaus, damaging my credit score. FCRA Violations : 1681n Willful non-compliance Requested Resolution : Delete this account immediately or provide full validation within 30 days. Complaint # 4 Midland Credit Management ( {$740.00} XXXX XXXX XXXX ) Complaint Type : Debt collection Company Name : Midland Credit Management Company Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue Description : Midland Credit Management is reporting a collection account for {$740.00}, originally from XXXX XXXX XXXX. Midland is a debt buyer. I have not received any proof that they own this debt, that the amount is correct, or that they have the legal right to report it. I have disputed this debt. Midland has not provided any validation, including : Chain of assignment from XXXX XXXX XXXX to XXXX Signed contract with my signature Complete payment history FDCPA Violations : 1692f Unfair practices by reporting unverified debt Requested Resolution : Require XXXX to provide full validation or delete this account from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I made a purchase of a pair of shoes from a vendor in XXXX for {$71.00}. The money was sent from my Bank of America checking account with account number ending in XXXX. The vendor in XXXX sent me the wrong shoes and refused to send the correct shoes or issue me a refund. I attempted multiple times to contact Bank of America to report the fraud and ask for a fraud reversal as I am a long time Bank of America customer and a XXXX XXXX customer but I was unable to reach the Bank 's department that handles fraud as they did not answer their phone and I was unable to file a complaint through my online account.

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 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I dont really remember the exact dates but I kept getting charged late fees for not paying the credit card balance and it went up to around XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I previously filed complaint XXXX against American Express XXXX Additional information : On XX/XX/year>, during a call with American Express, a representative confirmed that the wire routing number ( XXXX ) was used instead of the correct ACH routing number ( XXXX ) for the {$17000.00} disbursement sent on or around XX/XX/XXXX. This caused the transfer to fail. American Express stated that once the funds return, the loan should be automatically canceled and I will not be required to make any payments since I never received the money. However, it has now been over two weeks with no clear status on the funds or confirmation that they have returned to American Express. XXXX XXXX XXXX also has no record of receiving or rejecting the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: G&P Enterprises, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent XXXX conditional-tender XXXX money orders totaling {$3800.00} to Allied Trustee Services XXXX XXXX XXXX Mail XXXX Each money order bore the notation " Conditional tender '' in the address/memo field ; one specifically cited " Conditional tender per Civ. Code 5655. '' Under California Commercial Code 3311, tendering a conditional payment that the creditor accepts and retains discharges the disputed debt in full. XXXX 's own letter dated XX/XX/XXXX confirmed receipt of all XXXX money orders by serial number ( XXXX, XXXX, XXXX, XXXX ) totaling {$3800.00} and stated the funds were " applied to your assessment account. '' XXXX did not return the funds within 90 days. The debt was therefore XXXX. Despite this, XXXX sent a letter dated XX/XX/XXXX demanding {$13000.00} an amount that increased even after the {$3800.00} payment was applied and threatened non-judicial foreclosure commencing XX/XX/XXXX. This is a false representation of the amount and legal status of the debt in violation of 15 U.S.C. 1692e and an attempt to collect an amount not legally owed in violation of 15 U.S.C. 1692f. Allied also added an unauthorized {$35.00} " Partial Payment Notification Fee '' with no board-approved fee schedule, violating 15 U.S.C. 1692f ( 1 ). I sent a written cease collection demand under 15 U.S.C. 1692c ( c ) and a lien release demand under Cal. Civil Code 5685 via XXXX XXXX Mail on XX/XX/XXXX. XXXX has not responded. Desired resolution : Immediate cessation of all collection activity, release of the recorded lien ( XXXX XXXX XXXX. No. XXXX ), and written confirmation that the debt is satisfied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: GREENSKY OPERATIONS, LLC
State: ND

Complaint narrative:
In XX/XX/XXXX, I financed an {$18000.00} HVAC installation through GreenSky ( Loan ID XXXX, Plan XXXX ). The merchant, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ), installed a system that does not match what was contracted including equipment that was not properly certified, a labor warranty that was misrepresented as manufacturer-backed when it is actually administered by XXXX, and a backdated equipment registration. I have an active complaint with the North Dakota Attorney General ( XXXX XXXX ) documenting these issues. I filed a merchant dispute with GreenSky ( XXXX XXXX ). I followed up by email on XX/XX/XXXX and again on XX/XX/XXXX. I have received no substantive response from GreenSky on any of these contacts complete radio silence. GreenSky advertises a merchant dispute process as part of their loan product and is not following it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Cedars Business Services, LLC
State: AZ

Complaint narrative:
I am filing this complaint regarding Cedar Business Services ' attempts to collect an alleged debt on behalf of XXXX XXXX XXXX under Reference Number XXXX. I dispute the validity and accuracy of this alleged childcare tuition debt. Despite my dispute, Cedar Business Services has attempted to collect the alleged balance without providing sufficient documentation to establish that the debt is valid, accurate, and legally enforceable. I have requested validation of the alleged debt, including a copy of the original signed enrollment agreement, a complete payment history, an itemized accounting of the balance claimed, and documentation demonstrating Cedar Business Services ' authority to collect on behalf of XXXX XXXX XXXX. To date, these documents have not been adequately provided. I am concerned that Cedar Business Services may be attempting to collect an amount that has not been properly substantiated and may be reporting or furnishing inaccurate information regarding this account. If this account has been reported to any consumer reporting agency, I request confirmation that it is being reported as disputed. Any reporting of inaccurate, incomplete, or unverifiable information may violate the Fair Credit Reporting Act ( FCRA ). I believe Cedar Business Services has failed to conduct a reasonable investigation into the validity of the alleged debt and has continued collection efforts despite the existence of a legitimate dispute. Resolution Requested : Immediate investigation of this disputed account. Complete validation of the alleged debt, including all supporting documentation. Written proof of Cedar Business Services ' authority to collect on behalf of XXXX XXXX XXXX. Confirmation that any credit reporting associated with this account is marked as disputed. Removal of any inaccurate, unverifiable, or improperly reported information from all consumer reporting agencies. Cessation of collection activity unless and until the debt is fully validated. Written response addressing each issue raised in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Skrill USA, Inc.
State: TN

Complaint narrative:
I am disputeing some transactions that happened on my card with with skrill at XXXX and I feel like that the company is screwing me because my bank is not agreeing with me even tho I provided proof of my account that I im disputeing against I'm sending. the screenshots to you all as well to show that my account I have with myprize shows that there is no purchase history are anything an that along is grounds for my money to be refunded to me asap as that is what [ he XXXX XXXX but I feel as my bank is going against me an not actually helping me an seeing the facts that I have provided an as well proof that even XXXX XXXX is showing that the purchase was made they are sling going by that an refusing me my money back when I have shown an prove an provide all I need to an that's my account that I have with the merchant an showing that it's not showing in my account an that shows that I indeed not receive what I payed for I have as well took screenshots of my account with myprize to show my playing history an it shows that I have not played with any coins that I bought so that along with the screenshots of my account van showing the transactions do not appear in my account with them an screenshots showing my account with them as well showing my playing history an it shows that I did not play with what I purchased so that grounds for my money back but yet they are going against me all becaue the merchant shows that a payment was made an yes there was payments made but as well I can show an prove that I didn't receive it and our play with the coin packages that I bought so I am indeed tutor to a full refund for each transaction that I made but didn't receive the coins so I would like for you all to step in an clearly see that I have an proved that even tho the merchant is trying to provide my bank with the purchase history and they along are going by that an not seeing that I have provided back with my account showing that there is no such purchase history in my account with them an as well showing that I have not played with the coins I purchased I would really like for you all to step in an handle this an see that am intitle to a full refund for each transaction becaue even tho the merchant shows that they was purchases made I have shown that it does not show in my account and that I have shown as well my play history an it shows that I played with none of purchase I made are did I XXXX received so please step in an help me with this as they refunded me my money back into my account but then took it right back out an not going by the law an agreement with such issues that I am having an along with the edvicene that shows an prove that I don't play are receiving any of the packagee that I purchased

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am filing this formal complaint with the CFPB because the US Department of Education is inaccurately reporting my student loan accounts as active collections and seriously past due, despite my documented severe financial hardship. I suffered an involuntary layoff and have been dealing with total unemployment for the past two years. I have had no taxable income and have not even been required to file federal income taxes for the last two years. Under federal law, I am fully eligible for an Economic Hardship Deferment or an Income-Driven Repayment plan with a {$0.00} monthly payment. Instead of adjusting my account to reflect my financial hardship, the department has left these accounts reporting as active collections with massive past-due balances, which is tanking my credit scores while I am actively trying to get back on my feet. I am invoking my rights under the following state and federal consumer protection statutes : Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) : Information providers have a legal obligation to report accurate data. Continuing to report these accounts under a collection status when they qualify for retroactive hardship adjustments constitutes inaccurate and non-compliant reporting. Higher Education Act ( 34 CFR 685.204 ) : This regulation grants me the legal right to an economic hardship deferment or forbearance during periods of documented unemployment. Texas Finance Code 392.301 & 392.304 : Texas state law strictly prohibits creditors from misrepresenting the character, extent, or status of a consumer debt, or reporting false information to a credit bureau. Keeping a derogatory collection status active while I qualify for a {$0.00} hardship payment violates these codes.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Paid the credit card before it reached charged off status and credit card company ( capital one ) never updated the status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: MS

Complaint narrative:
I am disputing a {$130.00} charge from XXXX XXXX XXXX because I did not authorize or make this transaction. My card was used without my permission by another individual. As soon as I became aware of the unauthorized charge, I reported it and filed a dispute in good faith. I understand my previous dispute was denied, but I am respectfully requesting that this case be reviewed again. I did not receive any benefit, service, or authorization related to this transaction, and I was not the person who used my card. This charge was the result of unauthorized use of my payment information. The loss of {$130.00} has caused financial hardship for me, and I am simply seeking reimbursement for money that was taken from my account without my consent. I am willing to provide any additional information or documentation needed to support my claim and assist with the investigation. I respectfully ask Cash App to reconsider the evidence and conduct a thorough review of this transaction. I value the security of my account and appreciate your time and attention to this matter. Thank you for reviewing my dispute and helping resolve this unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received XXXX XXXX services ordered by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was insured at the time of service and paid the required {$25.00} copay. I was never contacted by the provider regarding any outstanding balance before this account was placed in collections on XX/XX/XXXX. I discovered this collection account on my credit report on XX/XX/XXXX. After reviewing the reported date of first delinquency, I determined it relates to this medical visit. The balance being reported is inaccurate. My insurance was ultimately billed and the claim was processed and paid. Any billing issue appears to have resulted from an administrative error in the provider 's claim submission process, not a failure to pay on my part. I have attached supporting documentation, including my insurance information, Explanation of Benefits, and proof of copay payment, showing that this claim was covered and paid. Please investigate this account and remove it from my credit report if the furnisher can not verify that the reported balance is accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am filing this complaint regarding Synchrony Banks failure to refund funds that were improperly withdrawn from my bank account and its repeated failure to resolve the issue despite numerous attempts on my part. I opened a financing account through XXXX XXXX that was serviced by Synchrony Bank. When the account was established, the payment settings were apparently configured incorrectly, resulting in Synchrony Bank automatically withdrawing approximately {$6800.00} from my personal bank account when the first statement became due. This withdrawal was not intended and created a significant financial hardship. After I contacted Synchrony Bank, I was informed that a refund would be issued. Synchrony mailed a refund check, and I promptly deposited the check at my bank. However, my bank rejected the check and informed me that a stop payment had been placed on it. As a result, not only was I unable to access my refunded funds, but I also incurred bank fees due to the returned check. Since that time, I have contacted Synchrony Bank more than 15 times over approximately two months attempting to obtain my refund. During these calls, I have repeatedly been transferred between representatives and managers, forced to explain the situation over and over again, and provided conflicting or inaccurate information. Representatives have repeatedly stated that a replacement refund check was sent, yet no replacement check has ever been received. I was also informed that the account records would show when a refund check had been issued, but the information provided by different representatives has been inconsistent. Most recently, after more than a month and a half of unsuccessful attempts to resolve this matter, a representative advised me that Synchrony needed to investigate if the original check was cashed before issuing another refund. This explanation is unreasonable because the original check could not be cashed after Synchrony placed a stop payment on it. I financed this furniture because I could not afford to pay for it outright. The unauthorized withdrawal of approximately {$6800.00} and Synchronys ongoing refusal or inability to timely return my funds has caused substantial financial stress and hardship. I have spent countless hours attempting to resolve this issue, yet Synchrony continues to delay repayment of money that rightfully belongs to me. I am requesting that Synchrony Bank immediately issue my full refund, reimburse any fees incurred as a result of the stopped payment check, provide a written explanation regarding why a stop payment was placed on the original refund check, and review its customer service and refund handling procedures to prevent other consumers from experiencing similar issues.

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