vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST MERCHANTS CORPORATION
State: IN

Complaint narrative:
I attempted to deposit {$3500.00} in cash at an ATM on XX/XX/XXXX. The ATM camera footage clearly shows that the money was deposited into the machine. Only {$1400.00} was retained/accepted by the ATM, while {$2000.00} was not retained ( returned/rejected or taken back ). The bank denied my dispute and refused to credit the retained amount of {$1400.00}, stating it was because another person made the deposit ( someone assisted me ). However, this was my transaction under my supervision, and the footage confirms the cash went into the machine. No receipt was issued, likely due to an ATM malfunction, jam, or error. This is not a small or insignificant amount {$1400.00} is significant money, and the bank should have credited the retained portion. Despite my rebuttal with exact amounts and clarification, the dispute remains denied. I have attached all relevant emails, messages, statements, and communications with the bank. I am requesting that the CFPB investigate this and require the bank to re-review the case at a higher level, as the footage supports my claim that the deposit occurred and the retained funds should be credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
RE : CEASE & DESIST / DEBT VALIDATION DEMAND - VIOLATIONS OF THE FDCPA & FCRA To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above. Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt. You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ). I am formally demanding the following documentation within 15 calendar days from the date of this letter : The original signed contract or application bearing my signature showing liability for this debt. The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency. A copy of the bill of sale or purchase agreement showing your agency legally owns this debt. XXXX. An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges. XXXX. Your debt collector license number and the state ( s ) in which you are licensed to collect. XXXX. Your surety bond information, as required by law in certain jurisdictions. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return the account to the original creditor and permanently cease any further action on this matter. Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs. I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/year> tried to do a virtual deposit/ instructed that amount was over the threshold - needed to go to ATM or bank XXXX went to local atm and deposited check ( amount ~ $ XXXX ) ; during deposit transaction was given lengthy time to clear ( XXXX days? ) ; Called Bof A since they had the check and agent said the lengthy timeframe was due to the weekend. Check your account during business hours and should be XXXX days XXXX checked on account on Tuesday - stated XXXX after XXXX PM to clear. Tried to call BofA but after XXXX minutes hung up XXXX still showed funds not available until XXXX tried to contact bank via on line agent agent provided same timeline which given XXXX Saturday, could not get funds until Monday XXXX This not acceptable and if not should be against the law for a bank to carry over a week float time on its customers money. This is a check from MassMutual and validating check and amount between XXXX large institutes in the age of technology should not be a XXXX day effort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 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: NJ

Complaint narrative:
XX/XX/year>. At XXXX. I was trying to use my cash app card via tap method. I tried once, it declined, then I tried XXXX more times and it declined. Later I check my account and the {$15.00} that says declined, came out of my accountXX/XX/XXXX times. So in total XXXX $ was removed from my cashapp account. I reached out to the merchant at the restaurant I was buying from and they said they saw no record of my card number. I tried to dispute the transaction on cashapp, but it didnt go through because the device recognized it as declined even though it took my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TekCollect Inc.
State: TX

Complaint narrative:
I have been a victim of identity theft and I have been informed by a company named TEK Collect Inc that I have a debt that I have never done business with at all they have contacted me, and I have told them to send me a written agreement that I have done business with them and they have never done it at all so later on I noticed there was a remark on my credit report showing that they added a remark on my credit report. so i contacted them and told them about it and they hung up on me and I have been trying to get them to remove this off my credit and they have not to yet I have been requesting documents showing that I have done business and they will not and this is against the law. i have informed them that i have been a victim of identity theft and they did not want to here it at all. please help me get this situation handled i don't need things on my credit that I did not do at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I made a purchase on XX/XX/XXXX using a Best Buy credit card issued by Citibank under a 24 month deferred interest promotion. The promotional purchase amount was approximately {$3000.00}. Over the following two years I consistently made payments toward the balance. By the XX/XX/XXXX statement the remaining promotional balance was {$470.00}. That statement indicated that the promotional balance needed to be paid in full by XX/XX/XXXX to avoid deferred interest charges. At that time I had AutoPay enabled and continued making payments. A payment of {$100.00} was made on XX/XX/XXXX. However, because the balance was not completely paid off by the promotional expiration date, Citibank added {$1500.00} in deferred interest to my account on the XX/XX/XXXX statement. This increased the balance to {$1900.00}. I had paid nearly the entire promotional balance over the 24 month period and was only approximately {$400.00} to {$470.00} away from paying the balance in full. I did not receive any clear warning notifications directly in the email alerts themselves that the promotional period was about to expire. The emails only contained a summary and required logging in through a link to view the full statement where the notice appeared. During this same period I was dealing with a stressful immigration situation involving the renewal of my green card through USCIS, which caused significant personal stress and distraction. Because of this I unfortunately missed the exact expiration date. As soon as I realized the deferred interest charge had been applied, I contacted Citibank customer service to request assistance. I spoke with both customer service and a supervisor, but they refused to review or adjust the charge and stated that too much time had passed. Given that I had already paid nearly the entire promotional balance and only a small amount remained, the retroactive interest of {$1500.00} appears disproportionate relative to the remaining balance.

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
I have had my identity used to obtain unemplyment benefots during XXXX and i have worked my entire adult life. I have unknown inquiries on my credit report and 2 credit cards that do not belong to me. A Atlas credit card and Total Visa are not mine. I have recieved a letter from the FBI fraud dept advising me that my PII havd been comprimised and they are investigating several entities in the matter. Please remove. Thank you, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: VELO LAW OFFICE
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your contact regarding the above-referenced account. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including an itemization of any interest, fees, or additional charges. 3. Copies of any documents bearing my signature that show I agreed to assume this debt. 4. Proof that your agency is licensed to collect debts in my state ( if required ). 5. Documentation showing that you have the legal authority to collect on this debt. Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. If you can not validate this debt, please confirm in writing that the account has been closed and that no further collection efforts will be made. This letter is not a refusal to pay, but a notice sent pursuant to federal law requesting validation. I expect your response within 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I contacted Bridgecrest back in XX/XX/XXXX trying to do a loan modification to bring my account current. The modification was completed on XX/XX/XXXX, at that time. I was also advised that the end of my loan would be extended to XX/XX/XXXX and at that time I would owe a lump sum of $ XXXX. I asked for detailed paperwork showing how I could owe them this amount of money and spent a long time on hold for them to tell me that they did not have time to look through all of the billing to figure that out, and they would forward me the information so I could look at it myself. My loan was modified to other times, once on XX/XX/XXXX and the other on XX/XX/XXXX. They are stating from these modifications, the interest rates and fees are totaling over the {$5000.00}, but are unable to show me where the fees are coming from. I have my original contract which shows at the end of my loan. There is a final payment of {$510.00} would be due. I do currently still owe XXXX payments on this vehicle plus the {$150.00} in fees that were on the account as of XX/XX/XXXX, but today I received a message stating that I owe {$5800.00}. I have already paid more than double with this car is worth and just want this to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 XXXX XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd.
State: MO

Complaint narrative:
I'm requesting an itemized statement ( debt validation or verification ) that I owe this debt. under FDCPA ( Fair Debt Collection Practices Act ) I have the right to request proof that I owe your company and the debt is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I am filing this complaint against NewRez LLC d/b/a Shellpoint Mortgage Servicing ( Loan No. XXXX ) for continuing violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Real Estate Settlement Procedures Act ( RESPA ) spanning from XX/XX/XXXX to the present. In XX/XX/XXXX I submitted a written debt validation request pursuant to XXXX XXXX. XXXX ( b ). Despite this, Shellpoint continued collection activity without providing lawful validation, including the following : Between XXXX and XX/XX/XXXX Shellpoint issued multiple past-due and delinquency notices without validating the debt. On XX/XX/XXXX they issued a formal notice of default threatening acceleration and sale of my property. On XX/XX/XXXX I served a formal written Demand for Full Debt Validation via Certified Mail ( CMRRR No. XXXX ) to their registered agent, demanding the original signed promissory note, chain of title, full loan payment history, and documentation of any securitization or assignment. On XX/XX/XXXX I sent a second written notice via Certified Mail ( XXXX XXXX. XXXX and XXXX ), confirmed delivered XX/XX/XXXX per USPS records XXXX On XX/XX/XXXX Shellpoint responded with a letter titled " Validation of Debt '' but expressly declined to produce documentation establishing legal standing or enforceable authority to collect. This does not constitute lawful validation under XXXX XXXX. XXXX ( b ). On XX/XX/XXXX I sent a further formal notice to Shellpoint and GNMA via Certified Mail ( CMRRR Nos. XXXX ; XXXX ; XXXX ; XXXX ) documenting their continued failure to validate. On XX/XX/XXXX Shellpoint issued another delinquency notice without having provided lawful validation. On or about XX/XX/XXXX I discovered through an Experian credit alert that NR/SMS/CAL reported my account as " Bank Adjustment / Deed in Lieu / Bank Liquidation '' with a balance of {$340000.00} as of XX/XX/XXXX. I was never notified of this adverse action. This negative credit reporting while my validation request remained outstanding violates XXXX XXXX. XXXX ( b ) and XXXX. I have certified mail receipts, delivery confirmations, and all correspondence documenting this pattern of violations over XXXX months. I am requesting that the CFPB investigate these violations and require Shellpoint to immediately cease all collection activity, provide lawful debt validation, and remove the negative credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
CDR Genesis is reporting a collection account on my credit report that I dispute. The account allegedly originates from XXXXXXXX XXXX XXXX XXXX and reflects a balance exceeding {$9000.00}. I have serious concerns regarding the accuracy and validity of this account. I have requested validation of this alleged debt, including the original lease agreement, itemized statement of charges, and documentation showing CDR Genesis has the legal authority to collect the debt. Under the FDCPA and FCRA, furnishers must be able to verify the accuracy and completeness of information reported to credit reporting agencies. At this time I have not received documentation validating the alleged debt. If CDR Genesis can not provide proper validation, the account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or around XX/XX/year>, my checking account with Bank of America was closed after a mobile check deposit was made as part of what I later discovered was an employment-related scam. I was contacted through Instagram by individuals posing as legitimate employers and was instructed to provide my online banking login credentials so they could deposit a check. Believing the opportunity was legitimate at the time, I complied. At the time of the transaction, I did not believe I was participating in fraudulent activity. When contacted by the bank and asked whether I made the deposit, I confirmed that I had because I believed it was connected to legitimate employment. I now understand this was a scam and acknowledge that sharing my login credentials violated account security guidelines and exposed my account to misuse. No funds were released into my account, no withdrawals occurred, and there was no monetary loss to the bank. The ChexSystems report reflects No Monetary Loss. I was a Bank of America customer for approximatelyXX/XX/XXXX years prior to this incident and maintained my account in good standing. In a prior unrelated incident earlier inXX/XX/XXXX, I was the victim of unauthorized check fraud involving checks issued in my name without my knowledge. I reported that activity immediately, cooperated fully, and closed the affected account as advised. This incident resulted in Bank of America reporting Suspected Fraud Activity to ChexSystems.

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