vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: TN

Complaint narrative:
BHG Financial declined my loan consolidation request on XX/XX/year>. As of XX/XX/year>, I have not received the required written adverseaction notice. On XX/XX/year>, XXXX informed me that my consolidation request was denied. Under the Equal Credit Opportunity Act ( ECOA ) and Regulation B ( 12 CFR 1002.9 ), a lender must provide a written adverseaction notice within 30 days of a credit denial. It has now been more than 30 days, and I have not received any written notice by mail or email explaining the specific reasons for the denial or my rights under ECOA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Re original complaint XXXX. XXXX closed this complaint but there is still a block on my account. My bank credited XXXX on XX/XX/XXXX, transaction ID XXXX for {$1100.00}. XXXX has not lifted the block and once again, they claim they have customer service via online and phone but that is a lie. Their phone service is an automated AI agent who tells you they basically can't do much and once again online sends you in an endless loop of chatbots, saying they can't help. My bank already completed and closed the dispute back in late XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am submitting this formal complaint and dispute regarding inaccurate information and inaccurate amount owed being reported by Hunter Warfield on my credit report. I am disputing the balance being reported on this collection account because the amount appears to be inaccurate, and misleading under the FCRA. This inaccurate reporting is negatively affecting my consumer credit profile and financial standing. Under the Fair Credit Reporting Act. 15 U.S.C. 1681e ( b ) requires furnishers and consumer reporting agencies to maintain maximum possible accuracy when reporting consumer information. 15 U.S.C. 1681i requires disputed information and removal of inaccurate data. Reporting and incorrect balance constitutes inaccurate credit reporting under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of the widely publicized XXXX XXXX XXXX XXXX District mail theft/check-washing ring in XXXX, Texas. I met my legal obligation under Texas Business & Commerce Code 4.401 by reporting this altered, unauthorized check to JPMorgan Chase on XX/XX/XXXX, XXXXwell within the 30-day window. It has now been 98 days. Chase has acknowledged the fraud internally, and I have provided a police report and a XXXX. XXXX XXXX XXXX report. Despite this, Chase continues to withhold my funds, sending automated stall letters claiming they are waiting on a response from the cashing bank. Under the Uniform Commercial Code ( UCC ), Chase is strictly liable to me as their depositor. Their inter-bank warranty collection disputes do not legally allow them to hold my money hostage indefinitely. I demand an immediate, permanent re-credit of my stolen funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: DE

Complaint narrative:
ProCollect is reporting a collection account on my credit report for {$2700.00} with the original creditor listed as The XXXX at XXXX XXXX, an apartment community I used XXXX live at. I do not owe this amount. XXXX ProCollect thinks I owe from that apartment is not accurate, XXXX I have never been shown anything that proves where this {$2700.00} even comes from or how it was calculated. I sent ProCollect a written dispute XXXX validation request on XX/XX/year>. I asked them XXXX prove this debt is actually mine, XXXX send the itemized breakdown of how they arrived at {$2700.00}, XXXX XXXX provide the documentation showing they have the right XXXX collect this account. They have not sent me anything that actually validates this debt or backs up that number. They just keep reporting it. On top of that, this account is not even being reported consistently. The date the account was opened is listed differently on XXXX bureau than the other XXXX. The date of last activity is showing as XXXX different dates across the XXXX bureaus. XXXX the comments are different on each XXXX, where XXXX says it was placed for collection XXXX another says I have not satisfied the debt. This is the same XXXX account, XXXX it is being reported XXXX different ways, which tells me the information itself is not reliable. This is doing real harm. I have an unverified {$2700.00} collection sitting on all three of my credit reports, it is dragging down my credit, XXXX it is creating XXXX XXXX blocking me while ProCollect refuses XXXX prove a debt I do not owe.

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 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: American Credit Acceptance, LLC
State: DC

Complaint narrative:
i went to XXXX to buy a car, on me XXXX dollars cash. first place make me waste like 4 hours , drive me to lot of body shops and at the end send me to XXXX XXXX XXXX there, i was tired, they show me just one car They said in XXXX ads, down payment is XXXX and monthly XXXX XXXX. I got a XXXX rogue XXXX milles, some scratches and few hits in the roof 73 months 27.99 % interest rate balance XXXX so, first, i was earning good money but they didnt want to show me different options, they asked me XXXX dollars of down payment, and never told me about montly in XXXX plus interest XXXX more per month, i lost the job and was paying XXXX per month per a used car then they told me XXXX the cheap cars, my car almost new, NOW is asking me for brake pads and tires, they are not the original ones, it means my car has XXXX milles now and need brake pads and i cant afford because the high price of the montly payment, plus the tires of this car are made it for XXXX milles, are done, and this is upset becuse i went to pay XXXX dollars in down payment and i payed XXXX, but the car cost XXXX and the credit was per XXXX and i dont understand im new in america i worked in XXXX XXXX this time and they are charging me 28 % of rate interest, the highest in the market, but i showed migration documents as legal, bank account and job good one, no debts and they put me the biggest interest because something " ilegal '' i asked to refinance but i have to pay a lot and the car cost XXXX, and the credit XXXX so, they did something bad i need help till today i payed more than XXXX dollars and the debt keeps in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Credit Collection Services for committing identity theft. I have never given Credit Collection Services any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation therefor Credit Collection Services committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Credit Collection Services can not provide me with proof such as a signed agreement between me and Credit Collection Services giving them permission to work with me regarding any debt they believe that I owe or tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Credit Collection Services can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Credit Collection Services continues its collection efforts, I will file for litigation for actual damages caused and Credit Collection Services will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Sports & Imports Auto

Complaint narrative:
Consumer Financial Protection Bureau Complaint Complaint Regarding Defective Vehicle Purchase and Unfair Business Practices XX/XX/year> I am filing a formal complaint regarding a vehicle purchase that occurred on XX/XX/year>. Within one day of purchase, on XX/XX/year>, I attempted to contact the dealership to report multiple issues with the vehicle that were present immediately after purchase. The issues included : * The radio knob falling off * The driver-side window not functioning ( unable to go up or down ) * Noticeable shaking of the axle while driving, raising safety concerns Despite promptly reporting these issues, I was instructed to contact account management to speak with an individual named XXXX. However, I was unable to reach or speak with this individual until XX/XX/year>, causing an unreasonable delay in addressing serious concerns with a newly purchased vehicle. Upon finally speaking with the representative, I was informed that : * I could return the vehicle, but my {$2000.00} deposit would be retained * The axle issue could be repaired, but it would take 37 days * No loaner vehicle or rental would be provided during the repair period I find these responses unacceptable and indicative of unfair and deceptive business practices. I purchased this vehicle in good faith, and within less than 30 days, it has exhibited multiple defects, including a significant safety concern related to the axle. The dealership has refused to provide a reasonable remedy, such as : * A full refund of my deposit * A replacement vehicle * Adequate accommodation during repairs ( loaner or rental vehicle ) Instead, they are attempting to retain my deposit while offering inadequate solutions that place an undue burden on me as the consumer. Given the immediate nature of these defects and the dealerships failure to resolve the matter in a fair and timely manner, I am requesting the following : 1. A full refund of my {$2000.00} deposit 2. The option to return the defective vehicle without penalty and or replacement vehicle 3. Investigation into the dealerships practices regarding the sale of potentially unsafe vehicles This situation has caused significant inconvenience, financial concern, and safety risk. I am requesting prompt review and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Global Lending Services LLC
State: VA

Complaint narrative:
This was included in my bankruptcy and its still being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I satisfied my debt obligations XXXX XXXX XXXX XXXX Wells Fargo Card Services over XXXX weeks ago. Both companies have not updated my credit XXXX show XXXX balance. This is causing me a great deal of XXXX as I have a mortgage loan in processing that is supposed XXXX close next week. I truly need help getting both accounts XXXX post XXXX balance with all XXXX credit reporting agencies immediately.

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 2026-06-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint and dispute regarding inaccurate information and inaccurate amount owed being reported by XXXX XXXX on my credit report. I am disputing the balance being reported on this collection account because the amount appears to be inaccurate, and misleading under the FCRA. This inaccurate reporting is negatively affecting my consumer credit profile and financial standing. Under the Fair Credit Reporting Act. 15 U.S.C. 1681e ( b ) requires furnishers and consumer reporting agencies to maintain maximum possible accuracy when reporting consumer information. 15 U.S.C. 1681i requires disputed information and removal of inaccurate data. Reporting and incorrect balance constitutes inaccurate credit reporting under federal 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 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Dave Operating, LLC
State: AL

Complaint narrative:
Dave charged me {$30.00} claiming that its for an XXXX loan from XX/XX/year> but there are no transactions on my account for XX/XX/XXXX at all. I called and asked them to reverse the charge and put my money back into my account but they continue to run me in circles and disconnecting the call when I request a manager. Im attaching my statement for XXXX as well as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: TX

Complaint narrative:
I am filing this complaint against Kingston Data and Credit International regarding an invalid debt of {$220.00} they are attempting to collect on behalf of XXXX XXXX ( XXXX XXXX, XXXX ). My membership contract with XXXX XXXX included a relocation clause exempting me from further charges if I moved from my residence. I formally notified XXXX XXXX of my move in writing, yet they continued charging me in violation of our agreement. I submitted a formal FDCPA debt validation request to Kingston on XX/XX/year>. They provided validation documents on XX/XX/year>, including the original contract which itself confirms the relocation clause that exempts me from these charges. Despite having proof that the original creditor violated the contract terms, Kingston considers the debt valid and is continuing collection activity. This debt is not legally enforceable as the underlying charges were made in breach of the original agreement. I am requesting that this account be closed, all collection activity cease immediately, and any negative reporting to XXXX and XXXX be removed. I had consistently made my payments throughout my membership and was in good standing. Despite notifyng XXXX XXXX of my relocation, they continued sending threatening emails warning that my account would go to collection if I did not pay even though they were fully aware I had moved and was no longer using the facility, they told me to go to another gym which would be far out of where I was living in XXXX XXXX and was not possible. This conduct was very coercive and in bad faith, as every time I would call them to resolve the matter they will send me to different corporate to get it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/year>, I reported fraud charges on my XXXX XXXX XXXX Account on my XXXX, XXXX XXXX XXXX statements. The total fraud charges were {$2600.00}. I reported it to XXXX XXXX completed their XXXX XXXX XXXX form XXXX faxed XXXX them on XX/XX/year>. I had been communicating with them by phone. Their customer service is in the XXXX XXXX there is a language barrier that prevented me from understanding what I needed XXXX provide them. I have been a customer XXXX XXXX for XXXX years XXXX primarily use my account for in store purchases of groceries XXXX consumable products. The charges I identified as fraud were made by out of state stores with the majority at an oil change store in NY. I provided XXXX fraud investigation with the information I obtained from XXXX on the merchants. If they look into the history of my account, I have had no transactions of this type in my XXXX year history. I think they need XXXX provide me with provisional credit while they investigate. They also need XXXX provide me the case number with the XXXX name. I am a retiree living on a fixed income XXXX I need this issue resolved. This has affected my XXXX XXXX XXXX I have called XXXX Services every XXXX weeks XXXX get the status.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Midland Credit Management in the amount of {$440.00}. This account is completely unfamiliar to me, and I do not recognize this debt at all. I have made multiple attempts to have this account verified, yet I have not received any documentation, validation, or clear explanation of what this debt is or where it originated from. I am not aware of any agreement, transaction, or relationship with Midland Credit Management, and I do not know who the original creditor is that they are claiming to represent. This lack of transparency is extremely concerning to me. As someone who is well aware of my consumer rights, I do not feel comfortable having an unverified and unexplained account continue to report on my credit file. I have made good faith efforts to request proper validation, but those requests have gone unanswered.

Company response to consumer: Closed with explanation