vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
ARS NATIONAL SERVICES INC. XXXX XXXX XXXX XXXX XXXX XXXX ARS Reference no XXXX XX/XX/year> Subject : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt referenced in your records. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), you are hereby notified to stop all communication with me immediately. This includes, but is not limited to, phone calls, emails, text messages, and written correspondence. You may only contact me further to : Confirm that you will cease further communication ; or Notify me of any specific legal action you intend to take. Be advised that any further communication beyond these exceptions may constitute a violation of federal law, and I am prepared to document and report such violations to the appropriate authorities, including the Consumer Financial Protection Bureau ( CFPB ) and my state Attorney General. This letter is not an acknowledgment of any debt, nor does it constitute an agreement to pay any alleged obligation. Please ensure that your records are updated accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Interest rate was increased to XXXX last year despite no major change to my credit score or monthly payments. I called Chase bank and they said they had sent a letter which I never received. I asked the reason for the increase and never got a reason. My friend with the same card and simliar credit score has a interest rate at around 20 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THESE INQUIRIES ARE ERRONEOUS AND DO NOT REPRESENT ANY AUTHORIZED OR VALID CREDIT ACTIVITY ON MY PART. I DID NOT GRANT PERMISSION FOR THESE ACCESS EVENTS, AND THEIR INCLUSION ON MY CREDIT REPORT IS UNJUSTLY AFFECTING MY CREDIT STANDING. I AM FORMALLY CHALLENGING THESE ENTRIES AND DEMAND A DETAILED REVIEW AND PROPER AUTHENTICATION. IF THEY CAN NOT BE SUBSTANTIATED WITH ADEQUATE DOCUMENTATION, THEY MUST BE REMOVED PROMPTLY.

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 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
Apparently I owe XXXX money when I paid the apartment directly the last money staying there XXXX kept trying to charge after my lease was up XX/XX/scrub>XXXX XXXX XXXX intrest fee??? XXXX This is my first notice ever

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year> i noticed a huge line of charges on my Bank of America travel credit card. 23 transactions made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Almost all of them have the word " XXXX '' in the description of the purchase or an Arabian word. I realized my card was hacked and I called Bank of America immediately, i gave them all the details and answered to all the questions with all the proof i got for claiming fraudulent activity on my credit card. They sent me a new credit card and a provisional credit in my account. In few weeks I received first letter from the bank telling me they weren't able to approve the claim and they removed the provisional credit on my account, making me responsible for the entire amount of the fraudulent transactions, XXXX dollars. I went to the bank since, multiple times. I tried to prove i can not be held responsible for the fraud since I never went in XXXX, the only one card I had it was used in USA in the same time it was charged in XXXX so it couldn't be used with my consent like they said in the denial letters. My whole history with bank of america is showing I am paying my multiple credit cards on time, at all times, never ever have had shady business, me and my family. The last 4 months was for me a huge distress and a lot of XXXX provoked by the visits at the bank. Nobody answered to my questions, I have asked repeatedly for the documents they said they used to take the decision to keep me responsible, I never received any documents and any answers to my questions. The employees on the fraud department i have been on call multiple times in my bank visits didn't help with absolutely anything. The claim it's been reopened three times, it came back denied without any explanations. I have to mention the bank haven't sent me any single warning for any of these charges made in XXXX, like being suspicious activity, in email or text, when they happened. On my last visit in one of the branches in realized they are not there to help me and only making me to lose my time with endless phone calls to the fraud department who was only keeping me on waiting room when I was asking why I didn't receive any documents yet after all this time. I tried to send a long, descriptive email to the CEO of the bank. Three email adresses, the emails are bouncing back. The emails are not going anywhere. I came here to find justice. Thank you in advance.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I am disputing a charge of approximately {$8500.00} related to services that did not meet the agreed terms. The transaction was posted on my account around XX/XX/year>. I notified the credit card company and formally disputed the charge. Under the Fair Credit Billing Act ( FCBA ), the creditor is required to conduct a reasonable investigation of the dispute. However, the company failed to properly investigate my claim. Their decision relied solely on statements and documentation provided by the merchant, without independently verifying whether the services were actually delivered as agreed or whether there was misrepresentation. I requested detailed documentation, including proof of services performed, itemized billing, and evidence supporting the validity of the charge. The company did not provide sufficient evidence to justify the debt. Additionally, the company continues to hold me responsible for the disputed amount, including interest charges, despite the unresolved nature of the dispute. I believe this violates my rights under the Fair Credit Billing Act, as the investigation was not conducted in a fair or reasonable manner. I am requesting that this matter be properly reviewed, that the disputed amount be removed, and that any related interest or negative impact be corrected.

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 2026-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aargon Agency, Inc.
State: TX

Complaint narrative:
Sent to collections and ruined my credit score. Made arrangements

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
When the dept collection company, Absolute Resolution, first contacted me about my XXXX XXXX credit card account that they purchased I informed them I had entered a fraud complaint with XXXX XXXX regarding charges that were made on the account. Absolute Resolution continues to contact me even though I have asked them to stop due to them not providing me what I have asked for. I have asked them to show me the original copy of the credit card agreement, payment history and a verification letter stating an investigation was done to show accuracy of the debt, that they have not provided but continuously call me all times of the day, interrupting my job and family time They are now threatening to sue and garnish my check that I work hard for and takes care of my family. I am asking you for an investigation of my account under the Title 15 of the United States code and Fair Credit Act ( 15 U.S.C 1681 ), Antitrust Laws ( 15 U.S.C 1 ) and the Security Exchange Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
ATTENTION CREDIT REPORTING AGENCIES, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX : P.O. Box XXXX, XXXX, GA XXXX XXXX XXXX To whom it may concern, This item was purchased by a third party debt collector. Jefferson Capital System these items are misrepresentation of the debt. Debt collectors may not falsely represent the character, amount, or legal status of a debt. This is a violation of the fair debt collection practices act. I would like this information removed from my credit report. Thank you. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
This submission addresses new statements made by Goldman Sachs Bank USA in its XX/XX/year>XXXX response ( third denial ), which introduce a material inaccuracy regarding the consumers position. The Bank states that I asserted these transactions were associated with online gaming platforms. This is incorrect. I have never conceded that these transactions are valid, authorized, or enforceable. My dispute has consistently been presented as a billing error dispute under Regulation Z, including issues related to merchant description, transaction classification, and the adequacy of the Banks investigation. Goldman Sachs did not contact me at any point during its claimed investigation ( s ) to clarify my position, despite having a complete written record. The introduction of a position not contained in that record raises concerns regarding the accuracy and reliability of the Banks determination. A reasonable investigation under 12 C.F.R. 1026.13 requires evaluation of the billing error claims as presented. A determination based on an inaccurate characterization of the consumers position calls into question whether a compliant investigation was conducted. I request that the CFPB review the accuracy of the Banks response, require Goldman Sachs to explain the basis for its characterization, and evaluate whether its handling of this matter complies with Regulation Z.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: TX

Complaint narrative:
This account was originally with XXXX XXXX XXXX and later referred to Hunter Warfield , Inc. ( collection agency ), operating under Resident Interface. Beginning in XX/XX/XXXX, I disputed the balance directly with XXXX XXXX XXXX due to accounting errors and charges not supported by the lease agreement, which XXXX XXXX XXXX acknowledged. In XX/XX/XXXX, after the account was referred to collections, I continued disputing the balance with both XXXX XXXX XXXX and Hunter Warfield , Inc . Since that time, I have submitted monthly requests ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) and emails to both parties requesting full written validation of the alleged debt, including an itemized accounting and supporting documentation. Despite these repeated efforts over several months, no validation has been provided. The only response received has been that the matter is under investigation, with no clear timeline for resolution. As of XX/XX/XXXX, this issue has remained unresolved for several months, and Hunter Warfield , Inc. continues attempts to collect on this disputed and unvalidated debt. I maintain documentation supporting my dispute, including proof of payment of the security deposit and prior communications with property management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: CA

Complaint narrative:
I was arrested on XX/XX/XXXX and I did not process any transactions from that point forward on my XXXX XXXX XXXX XXXX. As of XX/XX/XXXX I have been at XXXX XXXXXXXX XXXX XXXX which is like a XXXX house located at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. ( I am still considered XXXX and have an earliest possible XXXX date of XX/XX/XXXX ) After about a XXXX being here I finally had access to internet and a regular phone to call the XXXX phone number to contact the bank. ( due to a blackout period when you first arrive. ) I called to verify my account status and discovered that there were a plethora of transactions not done by me. They were fraudulent and I opened up a dispute with Comerica. ( who handles the XXXX Veteran debit cards marked XXXX XXXX. Initially the gave me provisional credit of {$99000.00}. I eventually provided a letter for the XXXX XXXX here outlining my XXXX since XX/XX/XXXX. They denied my claim because they said my pin # was utilized, and that I did not remember if my pin was written down anywhere. I told them that I may have had it written down somewhere but I can not remember every aspect from XXXX XXXX years ago. Also my limited research found that there are numerous ways people can get access to a pin number. I requested that they reopen the case since I was finally able to provide a police report, an identity theft report, and a report of my credit being accessed and how I reported it and froze my account with the credit bureaus. Dealing with them has been a veritable nightmare requiring hours upon hours of hold time and transfers that sometimes run in circles. After all this they denied it again on the same basis and left me no other recourse. Please assist a XXXX XXXX Veteran recover my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY

Complaint narrative:
Wells Fargo sent me a letter because there were issues with my address. I went to the bank with the required documents, and the person who assisted me said that everything had been resolved ; however, XXXX days later, Wells Fargo froze both my personal and business accounts. No one has been able to resolve this for me, and my accounts remain frozen ; I even have a family emergency and have no way to access my money.

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
My mother sent me {$35.00} to go get her a liquor bottle from the store. I looked at my Cash app. It was not there. I had XXXX dollars as well so it went up to {$39.00} but I never got it and my XXXX dollars was gone then my mom sent {$36.00} then it shut up automatically to XXXX then I spent on her drink that was XXXX and if you do the math XXXX that equals XXXX I shouldve been able to send her {$35.00} back and still had my money, but Cash app took up upon themselves to take what was supposed to be given to me I want it back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Date Account Opened : XX/XX/year> Original Balance : {$480.00} Current Balance : {$630.00} I am filing a complaint against Midland Credit Management regarding a collection account being reported on my credit file. This account originates from XXXX XXXX and was placed with Midland Credit Management without proper notification to me. I did not receive a validation notice as required under 15 U.S.C. 1692g. Additionally, this account has been reported to the credit bureaus, including XXXX, without prior validation or sufficient proof that the debt is accurate and that Midland Credit Management has the legal right to collect.

Company response to consumer: Closed with explanation