vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AZ

Complaint narrative:
There is an account reporting on my credit that I have no knowledge of, and I am formally requesting proof that the debt belongs to me. If the information I request can not be provided, I ask that this account be swiftly and permanently removed from my credit report. The information on the account is as follows : Account info Account name HARRIS & HARRIS LTD Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$560.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$560.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$560.00} Highest balance - Terms XXXX Month On record until XX/XX/XXXX 2031

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX XXXX XXXX To Whom it May Concern, This letter is in response to a Collection reported on my credit report. This is neither an acknowledgement of debt nor a refusal to pay, but a notice to request validation. Under the Fair Debt Collections Practices Act ( FDCPA ), I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. Please provide the following alleged information to me within XXXX ( XXXX ) days from receipt of this letter. [ Creditors Name and Full Address ] [ Name of Debtor of Record ] [ Full Account Number ] [ Amount of Debt ] [ Due Date of Debt ] [ Original Charge Off or Delinquency Date ] [ Explanation of how the Debt was calculated ] [ Evidence that the Debt is within States applicable Statute of Limitation ] [ Name of Collection Agency or Owner of Debt, if applicable ] [ Amount Paid if Debt was Purchased ] [ Completed and Executed Agreement, including Signature Pages, for the Debt ] Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. [ I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act. b ) Defamation of Character. Thank you for your consideration. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
CD matured on XX/XX/year> On XX/XX/year> I requested it be wired to my XXXX XXXX XXXX account. I waited for it to show up, it did not show up so I called Marcus Goldman Sachs They told me it had to go thru their XXXX Department which takes XXXX days. I waited... called them again, then they said they could not transfer to my bank account but a check could be cut. They cut the check but sent it to my old address ( in Florida ) I called them again to give them my new address in Washington State. Marcus told me I had to fill out an Affidavit and have it notarized stating I did not receive the check, I Federal Expressed the notarized, signed Affidavit overnight to Marcus ' Utah address. I called a couple days later to see if they received it and they did. They told me another check would be cut so I waited to receive it. I did not receive it so I called Marcus again. On XX/XX/year> - my last call to them, they said the check was NOT cut, or mailed. They said a check would be cut on XX/XX/year>. I told them that was unacceptable waiting XXXX months for a CD that matured XXXX and the XXXX months of interest I am loosing waiting for XX/XX/XXXX. Every time I call Marcus, their story changes. How can they do this? I can't even see that money anymore in my Marcus phone app. Can you please advise how i can get my money. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: UNITED COMMUNITY BANK
State: TN

Complaint narrative:
On Tuesday at approximately XXXX XXXX, I went to the United Community Bank XXXX XXXX XXXX XXXX in XXXX, Tennessee to cash my payroll check. The check was drawn on United Community Bank itself. The teller reviewed the check and required two forms of identification. I complied. The teller then attempted to verify the check by calling payroll but did not reach anyone. I offered a reasonable solution by contacting my area coach and asked the teller to attempt verification again. Instead of continuing to assist me or explaining alternative options, another employee came from the back, walked to the front door with a key, and stated, XXXX, were closing, even though it was still before the posted XXXX XXXX closing time and I was actively being assisted. I was denied service, dismissed abruptly, and forced to leave without my payroll check being cashed. I exited the branch in tears due to the humiliation and emotional distress caused by this interaction. I believe I was subjected to heightened scrutiny and denied routine banking services in a manner inconsistent with how other customers are treated, and I believe this treatment was based on my race. Following the incident, the branch XXXX contacted me by phone to apologize, indicating acknowledgment that the situation was handled improperly. I am requesting a formal investigation and written response.

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 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
All of my description has disappeared and I am seriously mad about this, I am not writing it all over again. I need my advance and I am in XXXX XXXX and I have evidence of negligence and the app that hasn't updated still saying est. XX/XX/XXXX and it's the XXXX and no refund. Advance, they promised a advance within seconds to minutes then XXXX hours then who knows, all just to get my business and become fraudulent without actually attempting to make the situation right acting out of bad faith. I demand restitution and I want to be reimbursed for my time and my financial crisis that they have been negligent about and further hindering my life and pursuit of happiness in good faith and I have now had many more issues as a result of this negligence and I will be pursuing legal action if this is not resolved very soon as legal action has been pursued on me as a direct result of not being able to pay my bills and such

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing the accuracy and validity of this account. I do not agree that this debt is owed, and the information being reported is incomplete and/or incorrect. This account does not reflect my records, and I have not been provided with sufficient verification to support the claim. I am requesting a full investigation and the immediate removal of this collection from my credit report in accordance with my rights under the Fair Credit Reporting Act. Until proper validation is provided, this account should not be reported. Midland credit report agency

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
XXXX sent a bill to collections not even a week after non payment. If contacted I would have paid the {$80.00} immediately. It was during financial hardship. When made aware of the collections from XXXX XXXX I immediately paid. I have been trying to contact them about a goodwill letter to get it taken off credit report as Ive had perfect credit my whole life until now thanks to them its been over a XXXX XXXX disputes with only luck from XXXX taking it off immediately. Eastern Account System has not replied to a single message XXXX sent numerous with month gaps inbetween. XXXX called their number around XXXX times. No luck. XXXX impossible to get a hold of and I keep getting sent to a robot then after clicking multiple options it beeps then hangs up every single time.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TrueAccord Corp.
State: NY

Complaint narrative:
I purchased a cell phone in 2018 and fell ill. I have been in hospitals since 2018 and I am still in one. The debt should be taken care of by the statute of limitations since it has been at least 7 years since I stopped paying and I am unable to pay even now for another 2-3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: American First Finance, Inc.
State: NY

Complaint narrative:
Americanfirstfinancial Financial service Mon XXXX You sent have XXXX Americanfirstfinancial Americanfirstfinancial Americanfirstfinancial Lmk when you receive the payment invoice Americanfirstfinancial Americanfirstfinancial Should I send you new tag Americanfirstfinancial Americanfirstfinancial Yes Americanfirstfinancial Americanfirstfinancial XXXX XXXX You sent stop playing games Americanfirstfinancial Americanfirstfinancial Your payment has been initiated thats why the payment invoice was generated, once the required charge is settled your payment will reflect on your account immediately Youll receive disbursement notification shortly, keep an eye on your email and let me know when you do I understand how frustrating this might be, but Im assuring you youll get your deposit since the invoice has been generated You sent i been had scam taken advantage of Americanfirstfinancial Americanfirstfinancial I understand you XXXX that is the last payment and you receive your loan right away and I will never scam you I understand you really need the money and you have been approved already just the last payment You sent noway in XXXX, i going to giveXXXX you more money Americanfirstfinancial Americanfirstfinancial That is the last payment XXXX and going to make the loan {$3000.00} but you promise to pay back whenever you got XXXX I will never lie to you I know you really want the money trust me XXXX Americanfirstfinancial Americanfirstfinancial Lmk when youre ready ro make the payment trust me that is the last payment XXXX Americanfirstfinancial Americanfirstfinancial XXXX You sent no XXXX Americanfirstfinancial Americanfirstfinancial That is the last payment if you pay it now yoh will get your loan now now Americanfirstfinancial Yes Americanfirstfinancial Americanfirstfinancial XXXX trust the process XXXX XXXX I promise you XXXX this is the last price after the payment you we get your loan Replying will start a chat with Americanfirstfinancial. We use information from this chat to improve your experience. Learn about business chats and your privacy. XXXX XXXX Hi XXXX! Please let us know how we can help you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Coast 2 Coast Financial Group, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Last XXXX of XXXX : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Re : Account Number : XXXXXXXX XXXX XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist from any and all communication with me regarding the above-referenced alleged debt. Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must not communicate further with the consumer except : To advise that further collection efforts are being terminated ; To notify that certain specified remedies may be invoked ; or To notify that the debt collector intends to invoke a specified remedy. You are therefore directed to : Immediately cease all telephone calls to my home, mobile phone, workplace, or any third party. Cease all written correspondence except as permitted under federal law. Refrain from any further contact beyond what is expressly allowed by statute. Be advised that I am documenting all communications. Any violation of the FDCPA will result in complaints filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office. I also reserve the right to pursue civil remedies for statutory damages, actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1692k. This letter is not an acknowledgment of the alleged debt and does not constitute a waiver of any rights or defenses. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Quad Corporation, Inc.
State: SD

Complaint narrative:
The Quad Corp has repededly called my phone after i have asked them to only contact me via email.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Systems of Omaha, LLC
State: VA

Complaint narrative:
I am filing this complaint regarding National Account Systems continued reporting of inaccurate and unverified information on my consumer credit reports. The account is reported as follows : Account Number : XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4300.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Credit Report This account is reported inconsistently across consumer reporting agencies, including conflicting status designations ( open versus closed ) and differing activity data. These discrepancies raise concerns under 15 U.S.C. 1681e ( b ), which requires information to be reported with maximum possible accuracy. I have formally disputed this account with the credit reporting agencies on two separate occasions. Both disputes were returned as verified. Despite verification, National Account Systems has not provided competent documentary evidence substantiating the validity of the debt. I have also submitted written validation requests pursuant to 15 U.S.C. 1692g, requesting : Full validation of the alleged debt Itemization of the balance Documentation evidencing lawful assignment and complete chain of title Proof of legal authority to collect Evidence of authority to collect debt in Virginia No adequate documentation has been provided. Under 15 U.S.C. 1681s-2 ( b ), National Account Systems is required to conduct a reasonable investigation upon receiving notice of dispute from consumer reporting agencies. Verifying disputed information without substantiating documentation and while reporting materially inconsistent data suggests that a reasonable investigation did not occur. If National Account Systems can not produce competent evidence establishing lawful ownership, accurate balance calculation, and authority to collect, continued reporting constitutes furnishing inaccurate or unverifiable information in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I signed up for the XXXX XXXX XXXX early this year and was promised an XXXX point balance upon spending a set amount upon spending that amount I only received half that's why I'm filing this complaint I've tried to resolve it through email multiple steps including higher an attorney but I understand they only offer arbitration so that's why I'm taking this step.

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 2026-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
We checked into a hotel that we paid for in full through XXXX. When checking in they ran our card for incidents and was supposed to be refunded when we checked out. We checked in on XXXX XXXX and then again XXXX XXXX and were charged {$100.00} each time. The hotels name is XXXX XXXX and when I called the credit card company they said the charges were not a hotel and was probably fraud so they made us cancel our card and at that time XX/XX/XXXX the money was refunded to my account. Then on XX/XX/XXXX they charged our account back the {$200.00}. I called and they said because we ran the card it was no longer fraud and I needed to wait XXXX days to see if the hotel would correct it. I have emailed and called the hotel. No response by email and when we call they say those charges never went through and they were just pending that they cant help me. I have talked to XXXX different people almost XXXX hours on the phone three different times and they all say there is nothing they can do. The last time I was on the phone I asked for a XXXX waited about XXXX min then they told me they would call me back with in the hour and that was almost XXXX weeks ago. I have waited the time for the funds to be reversed by the hotel and they are not, I have spend so much time explaining that these were just supposed to be pending charges till we checked out. Nothing was wrong with the room or charged to the room. XXXX of the last people I talked to with the credit card company was able to confirm that the llc the charge was made to was the hotels llc so when I called the first time they didnt need to cancel my card. I have the receipts for the rooms being paid in full to hotels.com. I dont know how else or who can help me get this {$200.00} back. This is my first time having a XXXX ( XXXX ) and if this is how they help their customers I will be canceling this card, I have got nothing but the run around and just wait more time and just call the hotel or we will call you back and they never do. I was even referred to call the XXXX benefits bc my XXXX master card said they could not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC
State: CA

Complaint narrative:
b'I received a notification from a credit bureau that I had an adverse information situation on my credit report. I pulled up my report and found a fraudulent name listed as an AKA for my real name and a notice that an account had been opened in this fraudulent AKA name on XXXX. I did not recognize any of this information, I did not open any account and I did not owe the company XXXX any money. That is who this collection agency said I was delinquent with. The company that put this notice on my credit record is called Valor Intelligence Processing - XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The phone number is XXXX XXXX. I called them and asked what this was all about and why they turned this into my credit report. The person I spoke to asked me all kinds of questions in broken English, very hard to understand, and asked me to give him all of my personal information. I did not do that and he said that he could not help me with my problem. Obviously my name was different but he would not give me what this was for, how much or why I had never received any correspondence about this issue. He could not answer any questions and refused to answer mine unless I gave him all of my information. After I hung up the phone I did an internet search on this company and found out that it is a fraud and there are hundreds of complaints that have been filed. According to XXXX it is a phishing and extortion company that tries to get people to pay on something that they did not buy or an account that they did not open. I spoke to Comcast (who I supposedly owed the money to) and they checked my account and said there was no outstanding balance and my account was in perfect order. I have contacted XXXX and have frozen all of my credit rating accounts. I need this collection issue taken off of my account immediately. It has already dropped my credit rating. I have no documentation to send you because I never received an email, letter, contract, etc having anything to do with this issue.'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation