vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
XXXX tried to sell something on my account without my approval consent or authorization and are asking me to pay them money as a result of me not knowing that they sold something I had in my possession and didnt sell it because I didnt agree to it nor did I know about it in the first place I tried to email and call them for a resolution they still decided to charge my bank account without my permission consent or approval and did so as a result I disputed the charge and blocked all transactions from XXXX as I was being charged for nothing, I dont understand how can I be charged for something that simply wasnt sold they made false promises to the buyer not me because I wasnt aware of what was going on and XXXX failed to contact me and reach out. This happened in XXXX and I asked for the closure of my account and XXXX has been very rude and unhelpful and unfair they contacted a debt collection agency the CBE Group who has reached out and again were very rude and didnt help me and were right away sided with XXXX without having a chance to grasp what I was telling them, Its not about the money because its only XXXX dollars its the fact they expect me to pay for something because the item sold on their behalf which is my item to the buyer wasnt received and they want to fault me yet I didnt even know this was going on until months if not weeks later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
XXXX XXXX XXXX sued me for a credit card debt with Syncrony bank. I sent multiple letters attempting to settle or negotiate debt that were never responded to. The notices were sent from an Oklahoma office that the collection notices were sent from. I then received a notice of garnishment, with verbiage stating not to mail anything to the Oklahoma office. I attempted to send multiple email directly to the firm and attorney using email addresses listed on the garnishment notice. When typing the email address XXXX into the address bar I received an error stating it was not a valid email address. Previous notices encouraged me to contact the office to discuss option which I did in writing and via email for record keeping. However despite their encouragement they refused to respond. Both of these tactics are deceptive and unfair within the definitions of UDAAP and FDCPA.

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 2026-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IN

Complaint narrative:
My father passed away on XX/XX/year>. I waited the 45 days required to go to his bank ( PNC Bank ) and deliver to them his death certificate and small estate affidavit. Once I turned those items in, the bank told me that since the estate money came from social security, they had to return the funds back to social security. Them pulling the last deposit he had out of the account lead to the account going negative. I called social security, and they affirmed to me that the money is supposed to be in the account and act as estate funds. I went back to PNC, and they told me that the funds have to go back to social security regardless, and that they are holding them for up to 6 months until I personally pay his negative account balance. So if I pay the negative balance, they then give the funds back to social security ( who doesn't want it ) and then I have to file with social security and wait months on finally accessing estate funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am submitting a complaint regarding Capital Ones improper denial of my billing dispute based on timing, as they have disregarded the timeline surrounding the transaction despite explicitly providing data for it. This dispute involves a defective medical product purchased from XXXX since it failed to perform its intended function. I began attempting to resolve the issue directly with the merchant in XXXX, just one month after the purchase. From that point forward, I made multiple efforts to obtain a resolution, including numerous follow-up communications spanning from XXXX through XXXX. Despite my continued attempts, the merchant entirely failed to respond. Because I was actively engaged in resolving the matter directly with XXXX XXXX, I delayed filing a dispute. Capital Ones denial basis fails to account for the fact that I raised the issue promptly after discovering it and how I remained in continuous communication with the merchant for several months and their failure to respond and abandonment, ultimately prevented resolution. This is not a standard late dispute. By disregarding the timeline of my attempts to resolve the issue, Capital One has effectively penalized me for acting in good faith and attempting to resolve the matter without immediately escalating to a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I am filing a complaint regarding an auto loan that includes charges resulting from deceptive dealership practices. At the time of purchase, I was told that I would not be approved for financing unless the loan amount was increased and additional products were included. I was led to believe these add-ons and the higher loan amount were required by the lender. The vehicle price was approximately {$15000.00}, yet I was placed into a loan exceeding {$22000.00} based on this representation. These additional products were presented as required for approval, which I now understand was not true. The vehicle has since been declared a total loss. Insurance payments, GAP coverage, and refunds have already satisfied most of the loan balance. However, a remaining balance is still being collected, which is directly tied to these misrepresented and unnecessary charges. I have contacted the company and requested a review, but no resolution was provided. I am requesting a full review of this account and removal or adjustment of charges resulting from this misrepresentation.

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 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT CALLERS INC
State: GA

Complaint narrative:
I am disputing a collection account reported by Contract Callers Inc for {$78.00}. The company did provide an initial validation notice ; however, I have made additional attempts to request clarification and to communicate in writing for documentation purposes. The company has not responded to my follow-up requests. Instead, they have attempted to contact me by phone, including asking that I return their call, while not addressing my written communications. I am not refusing communication, but I am requesting that communication be provided in writing so that I may properly review and document the information. The account continues to be reported on my credit file despite the companys failure to respond to my follow-up requests for clarification and written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding the continued reporting of fraudulent and inaccurate information on my credit file, despite my full compliance with federal law and submission of proper documentation. I am a documented victim of identity theft. My personal information, including my Social Security number, was compromised as part of a data breach, and I have since identified accounts and/or inquiries on my credit report that I did not authorize, open, or benefit from. I submitted a valid Identity Theft Report through IdentityTheft.gov and provided all required supporting documentation to the credit reporting agencies, including proof of identity and evidence of the data breach. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), the credit bureaus are legally required to block all information resulting from identity theft within four ( 4 ) business days of receiving such documentation. Despite this, the credit reporting agencies have failed to block and remove the fraudulent accounts and/or inquiries. Instead, they have either continued reporting the information or responded with vague and insufficient claims that the items were verified, without providing any documentation or explanation as required by law. This conduct constitutes multiple violations of the Fair Credit Reporting Act, including : Failure to block identity theft-related information ( FCRA 605B / 15 U.S.C. 1681c-2 ) Failure to conduct a reasonable reinvestigation ( FCRA 611 / 15 U.S.C. 1681i ) Failure to ensure maximum possible accuracy ( FCRA 1681e ( b ) ) Improper verification and continued reporting of disputed information Failure to provide method of verification upon request Additionally, the continued reporting of fraudulent accounts is causing ongoing harm to my credit profile, financial standing, and ability to obtain credit. I am requesting that the credit reporting agencies : 1. Immediately block and permanently remove all fraudulent accounts and unauthorized inquiries associated with my identity theft claim 2. Provide written confirmation of deletion 3. Disclose the method of verification used for any items they claim were verified, including the source of the information and documentation relied upon If these violations are not corrected immediately, I am prepared to pursue further action, including complaints with additional regulatory agencies and potential legal remedies under FCRA 616 and 617 for willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I contacted Credit Acceptance regarding a past vehicle loan and was informed that they would settle the debt for {$7000.00} I paid the debt in full on XX/XX/26 and was informed that they would remove the debt completely. Upon calling numerous times I was then told they wouldn't remove the tradeline but I could dispute it with the credit bureaus and then a deletion could be done. And I had to wait 10 business days for the letter to be received. I received the settlement in full letter but upon me calling back they said no there is no other letter that is available and that I do qualify for another loan thru them. Since my debit was paid. I explained that the letter provided did no suffice as I needed a deletion letter. Then they directed me to the credit bureaus.

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 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
A process server hired by Portfolio Recovery Associates , LLC attempted to serve me at completely inappropriate times early in the morning when I was gone and late at night when my XXXX XXXX XXXX child and I were sleeping. Just after XXXX, and just before XXXX at night. After multiple days of harassing behavior I came out one morning to find the attached notices from the process server XXXX XXXX taped to my front door and garage door. The notices are positioning himself as a law enforcement official and are threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Valon Technologies, Inc.
State: CO

Complaint narrative:
I am filing this complaint against Valon Mortgage for the following violations of the Homeowners Protection Act ( 12 U.S.C. 4901 et seq. ) : Failure to Honor Statutory " Original Value '' : My Closing Disclosure ( Page 1 ) establishes the " Original Value '' of my property as {$760000.00}. Per 12 U.S.C. 4901 ( 12 ), this value is fixed at the time of the transaction. Valon has repeatedly attempted to substitute a lower current Automated Valuation Model ( AVM ) of {$690000.00} to redefine my 80 % LTV threshold. Obstruction of the 80 % Cancellation Threshold : My Notice Concerning Private Mortgage Insurance ( Page 71 ) explicitly states my right to request cancellation when my balance is first scheduled to reach 80 % of the original value, which is {$610000.00}. Valon 's " PMI Supervisor '' claimed in writing that I was ineligible for review unless I paid down an additional {$59000.00} based on their AVMa direct violation of the 80 % LTV request right granted by 12 U.S.C. 4902 ( a ). Incorrect Cancellation Dates : My signed disclosures establish a " Borrower-Requested Cancellation '' date of XX/XX/XXXX. XXXX has moved this date in their internal system to XX/XX/XXXX, effectively erasing my 80 % LTV request rights and only displaying the 78 % " Automatic Termination '' date. Misuse of Investor Guidelines : Valon has cited " XXXX XXXX Guidelines '' as a justification for overriding the HPA. Federal law ( HPA ) takes precedence over internal investor guides. While a servicer may require evidence that a property has not declined in value, they can not use an AVM to pre-emptively deny a borrower 's right to reach the {$610000.00} threshold established at origination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I reported criminal identity theft and fraudulent inducement involving the merchant XXXX and the stolen persona of public figure XXXX XXXX. Despite providing FBI ( XXXX Case # XXXX ) and FTC ( Report # XXXX ) documentation, American Express refused to open a fraud investigation. They are erroneously treating a criminal scheme as a 'merchant dispute ' and are demanding I contact a fraudulent entity, which is a safety risk and a violation of my rights under the Fair Credit Billing Act regarding self-concealing fraud and the Discovery Rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
This has NOT been reported to my credit yet, and I am filing this complaint to prevent inaccurate reporting. Dispute of Lease Charges for Canceled Order Merchandise Never Received I am filing a formal complaint regarding a lease agreement with Acima Leasing connected to a purchase made through XXXX. The order was placed on XX/XX/year> ( Order # XXXX ). The items were never picked up and were canceled by XXXX, and I did not receive any merchandise. XXXX confirmed the cancellation and stated clearly that : The order was canceled due to not being picked up on time I would not be charged for the items Any temporary hold would be removed within 10 business days I also have confirmation that cancellation notices were sent on : XX/XX/year> at XXXX PM ( XXXX ) XX/XX/year> at XXXX PM ( XXXX ) Additionally, XXXX support confirmed that the funds were released on their end and that any further charges must be resolved directly with Acima Leasing. Despite this, Acima Leasing continues to charge me for a lease tied to merchandise that was never received. I am formally disputing this lease because no goods were delivered. I should not be held financially responsible for items that were canceled and never provided. I am requesting the following : Immediate cancellation of the lease agreement Removal of all charges associated with this transaction Full refund of any payments already made Written confirmation that my account has been cleared and will not be sent to collections or reported negatively I have attached documentation showing proof of cancellation and communication with XXXX confirming that the order was canceled and no items were received. If this matter is not resolved promptly, I am prepared to escalate this issue further and dispute any related charges with my financial institution. I expect a timely resolution to this matter. I have proof of screenshots of the below if needed Order Cancellation XXXX Email Confirmation Canceled Order Proof No Delivery Funds Released Confirmation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, borrower on FHA loan XXXX, and I am filing this complaint due to abusive mortgage servicing practices by Freedom Mortgage.Issues include : Abusive interest rate of 7.375 % Extension to a 40year term after an existing Partial Claim Monthly payment of {$4700.00}, equal to 83 % of my income Two active HUD Partial Claims Four total liens on my property Improper capitalization of charges Violation of FHA Mortgagee Letter XXXX Violation of HUD Handbook 4000.1 Modification increased my payment instead of reducing it I request an immediate investigation and a written response from Freedom Mortgage. Sincerely, XXXX XXXX XXXX Victim of abusive mortgage servicing practices

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year>, I received a Chime XXXX credit card in the mail. The card had my first and last name on it, but it was not a card that I had authorized, nor did I request it. I called an assistance phone number by Chime. The representatives kept asking for personal information such as my first and last name, SSN, home address, and phone number. I tried to give the Chime representative the card number that I received by the representatives reiterated that they need personal information in order to find and close the unauthorized account. The representatives refused to use the card number and ended the call without helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I received Eastern Account System - Debt Collector : Please call XXXX at your earliest convenience. We can help. To optout txt STOP. Today XX/XX/XXXX at XXXX, I received You will rcv msgs from Eastern Account System of CT , Inc. - Debt Collector. Msg freq varies. Msg & data rates may apply. Txt HELP for help. To Opt-out txt STOP. Today at XXXX Received on XX/XX/XXXX at XXXX and XXXX respectively, also XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On XX/XX/XXXX and XXXX I texted stop. It has not.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/2026 Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Subject : Formal Complaint LVNV Funding LLC XXXX XXXX Willful Violations of FCRA and FDCPA To Whom It May Concern, I am submitting a formal complaint against LVNV Funding LLC and XXXX for multiple, ongoing, and willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Background : The original creditor for the account in question is XXXX XXXX Bank. LVNV Funding LLC claims ownership of this alleged debt but has failed to provide any valid proof of assignment or chain of title. Despite my formal dispute and demand for full validation, LVNV continues to attempt collection and furnishes this information to XXXX XXXX, despite being notified of my dispute, continues to report this account, including reinserted information that was previously deleted. This reinsertion occurred without proper certification or the legally required notice within five ( 5 ) business days, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). These actions constitute : Reporting inaccurate and unverified information Continuing collection activity on a disputed, unvalidated debt Reinsertion of previously deleted items without legal compliance Failure to maintain reasonable procedures to ensure maximum possible accuracy Demanded Actions : 1. Permanent deletion of this account from all credit reporting agencies 2. Immediate cessation of all collection activity by LVNV Funding LLC XXXX. Full documentation of the alleged debt, including original contract from XXXX XXXX XXXX chain of assignment, and evidence of LVNVs authority to collect XXXX. Written confirmation that XXXX has removed all improperly reinserted information XXXX. Documentation proving compliance with all FCRA reinsertion requirements Failure to take these actions immediately will result in escalation to legal remedies, including statutory, actual, and punitive damages for willful violations of federal law. I expect the CFPB to enforce my consumer rights and hold both LVNV Funding LLC and XXXX accountable for their actions. Sincerely, XXXX XXXX I dispute this account 60 days ago and its still reporting inaccurate info on my credit report

Company response to consumer: Closed with explanation