vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
On XX/XX/year>, I mailed written debt validation requests to several debt collectors that are reporting collection accounts on my credit reports. I sent these requests after discovering multiple collection accounts listed under my name that I wanted to verify for accuracy. The companies I contacted include National Credit Adjusters XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX AI, and XXXX XXXX. My letters requested validation of the alleged debts and documentation showing that each company has the legal right to collect and report the accounts. In response to my request, National Credit Adjusters sent documentation that appears to show an agreement between myself and the original creditor. However, the documents provided do not include any bill of sale, assignment, or other documentation demonstrating that National Credit Adjusters purchased or was legally assigned the debt. As of today, the other debt collectors have not yet provided validation of the debts. Despite this, these companies continue to report the accounts on my credit reports. I am requesting that each company provide proper documentation validating the alleged debts, including documentation showing the chain of assignment and proof that they have the legal authority to collect these accounts. If they can not provide this documentation, I am requesting that the accounts be removed from my credit reports. I am submitting this complaint because I believe it is important that companies reporting debts on consumer credit reports provide accurate documentation and verification of the accounts they claim to own or collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Block, Inc.
State: NY

Complaint narrative:
I was scammed by a XXXX that Im currently taking lawful action on. I contacted cash app to start a dispute which I showed proof of the scam and I did not receive my service. I had to contact them just for them to say it was denied. I filed the dispute XX/XX/XXXX XXXX same day this scam occurred. I also called cash app spoke with a XXXX that said I would be ok and receive my funds please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
am submitting this complaint regarding disputed transactions that were processed from my bank account. Over approximately the last XXXX days, multiple transactions totaling about {$20000.00} were processed and used to fund an online gambling account with XXXX. I did not authorize the wagering activity associated with these transactions. When I discovered the activity, I immediately contacted the company and closed the account. I also promptly contacted my bank and opened a dispute regarding these transactions. I am requesting that the bank conduct a proper investigation into whether these transactions were authorized and review all relevant authentication records, device logs, and transaction details associated with the charges. Because of the significant amount of money involved, I am seeking assistance to ensure that the bank completes a thorough investigation and properly evaluates my dispute under applicable consumer protection rules. For transparency, I have also submitted complaints to the XXXX Gaming Commission and the XXXX Attorney Generals Office regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The agency failed to provide proof of ownership, chain of title, or the original signed contract. Debt remains unverified without payment history or balance breakdown.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

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 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: GA

Complaint narrative:
Request requested information to get into my account because it was lockdown in XXXX. Held my funds from me causing them to be sent back to the IRS because they sat there for so long. Requested my funds, and theyve only sent me part of it and will not retrieve the rest of them that they had sent back, causing me to lose them. Due to them not being able to provide information requested about the investigation and why my account was locked out. Asked if they could retrieve the rest of my funds that was caused to be sent back and they will not respond to me. So that they had sent a check out to me and it would take XXXX to XXXX days and I still have not received my funds yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
On XX/XX/year> a scammer cloned my Bank 's, XXXX XXXX, customer service number and called me presenting themselves as part of the fraud team and informed me of an ongoing federal investigation of internal fraud of XXXX XXXX and that I was a victim and I needed to withdraw the credit that FDIC granted due to the investigation. They had me withdraw my funds and deposit it into Chase Bank ATM through use of a digital wallet card. I was to be able to withdraw my funds after participating in the " investigation ''. This didnt happen. I contacted the XXXX department of Chase Bank same night and they said without account information they could not help to freeze or investigate the account and to go into that same location in the morning and they could help. I went to Chase Bank the next day, located XXXX XXXX XXXX XXXX XXXX XXXX Ut, and as I was standing in line a member from the management team approached me, asked me about my day and if he could help with anything. I explained my situation and he was told that he didn't have time for this because it is a busy location and he has back to back appointments and I would have to schedule an appointment for another day or try my luck at another location. I informed him that the fraud team told me it had to be this same location as they are the only ones with access to their cameras and the transaction details. Said go schedule an appointment. So why even approach me and ask what he could help me with if he didn't have the " time '' or if he was only being cordial with no true intent of helping with anything. So, I went and scheduled an appointment with the teller and described everything once again as she took notes. If I were banker hearing about someone using my bank for fraudulent activity I would want to know immediately and take action. This location seemed nonchalant and flippant about my claim. The manager that had spoken to me had even mentioned that when these things happen the money moves fast. I said exactly why immediate action is required, but none was taken. I lost {$4000.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: TN

Complaint narrative:
My mortgage servicer, LoanCare, approved a mortgage deferment for my loan after I specifically confirmed with their representatives that participating in the program would not negatively affect my credit and that repayment options would be available at the end of the deferment period. Despite these assurances, the deferment appears to have never been properly implemented on my account. After approval of the deferment : * Payments continued to be withdrawn even though the deferment was supposedly active. * I was told the continued withdrawn payment would be refunded, but the refund never occurred. * I continued receiving delinquency letters and was repeatedly told by representatives to ignore them because the deferment had already been approved. * The start date of the deferment was changed or unclear. When the deferment period ended, I called prior to the XX/XX/XXXX payment date and was unexpectedly informed that the entire deferred balanceapproximately over XXXX XXXXwas due immediately in full. I had never been told this would happen. I was originally told there would be repayment options such as restructuring or repayment plans. After explaining that we could not pay {$16000.00} at once, LoanCare asked us to submit financial documentation showing why we could not come up with the money. We submitted documentation clearly showing that we do not have anywhere near that amount across our bank accounts. Despite providing the requested documentation, our request was denied. We were told we would have until XX/XX/XXXX to appeal, yet it appears the decision may have been finalized before that timeframe expired. Additionally, LoanCare reported the account as late or delinquent to the credit bureaus, despite my being told multiple times that participating in the deferment would not negatively affect our credit. This reporting caused our credit scores to drop more than XXXX points and has significantly impacted our financial situation. All of the calls referenced above were recorded by LoanCare, and I request that these recordings be reviewed. I am requesting that LoanCare : Conduct a full investigation into the handling of this deferment Provide written confirmation of when and how the deferment was applied to the account Correct any inaccurate reporting to all credit bureaus immediately and quickly Remove any late or delinquent reporting related to this deferment Provide a clear explanation of why we were told one set of terms but treated differently We entered the deferment in good faith based on the information provided by LoanCare representatives. The handling of this situation has caused significant financial harm and 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 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal request for validation of the above-referenced account pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I dispute this debt in its entirety and request that you provide full validation. Please provide the following : The name and address of the original creditor. A complete account history, including the date of first delinquency. A copy of the original signed agreement bearing my signature. Documentation showing a complete chain of assignment from the original creditor to your company. Proof that you are licensed to collect debt in the State of Georgia. Until such validation is provided, you must cease collection efforts and reporting of this account to any credit reporting agency. If you are unable to provide the requested documentation, you must immediately delete any credit reporting associated with this account. I reserve all rights under federal and state law. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB
State: OH

Complaint narrative:
I used a family members credit card, with permission, to make the down payment on the purchase. When I went to look at making another payment, which did happen to be late, I went to check which debit card was selected for payment, only to find the credit card selected. When I went to back out of the page it hit make payment instead and charged {$230.00} to my family members credit card. For every other purchase on my Klarna account, ONLY a debit card has been accepted. The credit card should not have even been an option. Every other purchase specifically states Credit Cards are not accepted for payments. I immediately reached out to Klarna to stop the payment. I was on the phone with someone within 5 mins, and it is a Sunday. They said the payment already went through and that there was nothing they could do. I explained that this card was not authorized for that payment. I asked to speak with a supervisor but apparently they dont take calls. The rep said they only do emails, and that he had to put in a ticket. Now I have to explain to my family member that they were incorrectly charged. It is so stupid that there is not a Confirm Payment page. Its just a make payment with two/ three cards pulled up at once. I feel the company 100 % could have stopped this payment, having worked years of retail myself, and that if I had been able to speak to a supervisor on the phone, we couldve resolved that problem today. Instead, I wasted 30 minutes on the phone for absolutely no resolution. This is a ridiculous company who is purposefully remaining inaccessible to customers. Ive included screenshots that show how on my other three payment plans credit cards are not accepted, and grayed out. And Ive included screenshots of the ordering question, and of the final payment confirmation that shows a credit card as the final payment, the credit card number thats grayed out on every other order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Comerica
State: FL

Complaint narrative:
I am filing a complaint against Direct Express regarding a locked account and refusal to provide my account XXXX statement. My account was locked and I was instructed by Direct Express representatives to email a copy of my identification for verification. I complied and sent the requested ID XXXX XXXX at XXXX EST. I was told the verification review would take approximately 50 hours. After waiting over 72 hours, I contacted customer service again XXXX XXXX at XXXX EST. I was then told to resend the email and wait an additional 70+ hours. Representatives have also stated they can not confirm whether my verification email has even been received. I have already spoken with multiple supervisors one named XXXX and received the same response each time. No one is able to confirm receipt of my documents or provide any alternative solution. I urgently need my XXXX bank statement from my Direct Express account in order to finalize housing arrangements. Direct Express is refusing to provide my account statement even by mail while the account is locked. Because of this delay and lack of assistance, I am now at risk of losing my housing and becoming homeless. I am requesting immediate review of my identity verification and access to my XXXX account statement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: CHERRY TECHNOLOGIES INC.
State: NY

Complaint narrative:
To whom it may concern : I am writing this letter to explain the situation with Cherry Technology. I applied for financing for a procedure at XXXX XXXX XXXX XXXX XXXX XXXX, which I never received because I was a victim of fraud by the clinic, which closed and declared bankruptcy. Since I never received the procedure, I contacted Cherry, but they offered no solution, even after I sent them documents proving that the clinic had closed. I requested a refund of all the money I have been paying since XX/XX/year>, I have contacted other people who also have financing with Cherry from the same aesthetics clinic, and they claim that Cherry Technology is a fraudulent company that works in complicity with the clinic and is unwilling to resolve anyone 's situation, despite being aware that the clinic closed due to bankruptcy and committed fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Williams, Rush & Associates, LLC
State: CA

Complaint narrative:
Was informed about the debt which I personally choose to be disputed it was not offered claiming the debt was taken over by different company and I can not depute the wrong amount and the fact that I had created a XXXX complaint due to company changing terms and conditions on their own behalf and not legally documenting it then was notified about the original debt getting transferred over to somebody else which was not the company that notified me then another company had called me with the third-party claiming they need my address, not claiming what it was for what was going on. So I took the info to look into it I contacted whoever was originally trying to get to me that was XXXX and they asked me. How do I want to pay off my debt I said that the information was incorrect and the amount to the original contract is different and that they needed to understand that I already disputed it and the company never had contacted me back or updated the contract so I never signed and so I asked for validation of debt with activity which they said they dont need to send anything over since they didnt have it only whatever was sent to them so I sent a dispute and request for debt validation and not contact me until they do so I havent heard back from them since XX/XX/XXXX no response and then another company ( this company ) had told me they were going to garnish my wages and I said they need to verify that debt now with the account activity, the original debt that contract then this company put it on my credit report XXXX of this year but doesnt even inquire until XXXX when they contacted me to tell me that its in collections already

Company response to consumer: Untimely response
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Velocity Portfolio Group
State: CA

Complaint narrative:
A line of credit account originally opened with XXXX XXXX ( account number XXXX, opened XX/XX/XXXX, charged off XX/XX/XXXX, balance {$650.00} ) was sold to Velocity Investments LLC as confirmed by the historical information on my XXXX credit report. As the new owner of this debt, Velocity Investments LLC is now the furnisher of record and bears full legal responsibility for the accuracy of any information reported to the credit bureaus regarding this account. Under FCRA 623 ( a ) ( 1 ), furnishers are prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Velocity Investments LLC, as the purchaser of this debt, has a legal obligation to ensure the account is being reported accurately, to notify the credit bureaus of the ownership transfer, and to correct any inaccurate information being reported by the prior furnisher XXXX XXXX I disputed this account and the reinvestigation completed in XX/XX/XXXX resulted in a notation of " Completed investigation of FCRA dispute consumer disagrees '' and " Purchased by another lender. '' Despite this, no corrective action was taken by Velocity Investments LLC to update the reporting or remove inaccurate information. Velocity Investments LLC has failed in its duty as the current debt owner to ensure accurate reporting under FCRA 623 ( a ) ( 1 ) and 623 ( b ) ( 1 ), which requires furnishers to investigate consumer disputes and correct inaccurate information. Additionally, as a debt buyer, Velocity Investments LLC must comply with the Fair Debt Collection Practices Act ( FDCPA ) and California 's XXXX Fair Debt Collection Practices Act ( RFDCPA ). Their failure to properly manage the reporting of this account violates both state and federal law. This has caused denial of business financing, lost contracts, lost revenue, and significant emotional distress.

Company response to consumer: Closed with explanation