vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XX/XX/XXXX Consumer Financial Protection Bureau Via Online Complaint Portal Re : Complaint against Resurgent Capital Services , L.P . Dear CFPB : I am filing this complaint against Resurgent Capital Services, L.P. for repeated violations of the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F after they received my certified demand letter. Timeline XXXX XX/XX/, I disputed the debt verbally and requested all supporting documents. Resurgent responded with only a generic account summary report with no bills of sale, chain of title, or other supporting documents. On XX/XX/, I sent Resurgent a certified letter ( return receipt requested ) that ( 1 ) demanded mail-only communication, ( 2 ) made a formal written dispute of the debt under 15 U.S.C. 1692g, and ( 3 ) explained why their response was insufficient. Resurgent received the letter on XX/XX/. After receipt of my certified letter, Resurgent continued to send me emails with vague and misleading subject lines. Specific Violations Regulation F 1006.6 ( h ) Continuing to use email after I explicitly requested they stop and use U.S. mail only. FDCPA 1692g ( b ) & Regulation F 1006.38 Continuing collection activity after my written dispute without providing adequate verification of the debt. FDCPA 1692e ( 10 ) & Regulation F 1006.42 Emails with vague/misleading subject lines that do not clearly identify Resurgent as a debt collector. Regulation F 1006.42 Sending electronic communications without my prior consent. These actions form a pattern of harassing and abusive collection practices in violation of FDCPA 1692d. Requested Relief Investigate Resurgents conduct. Require Resurgent to immediately cease all electronic communications and all collection activity on this account. Order Resurgent to provide full, proper verification by U.S. mail only, including a complete chain of title ( bills of sale/assignments ), detailed itemization, and original creditor documents. Take any other appropriate enforcement action. I have attached : Copy of my certified letter to Resurgent Proof of delivery ( signed return receipt ) Copies of the recent emails from Resurgent ( with dates and subject lines ) I am happy to provide any additional information. Thank you for your assistance. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: WA

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am requesting validation of an account associated with LVNV FUNDING LLC, as I have reason to question the accuracy and validity of this debt. After reviewing my records, I have not received sufficient documentation confirming that this account belongs to me or that the balance being reported is accurate. What is particularly concerning is the nature of debt buyers like LVNV FUNDING LLC, where accounts are often purchased, resold, or reassigned multiple times. I have not been provided with documentation showing the full chain of ownership, proof of assignment, or any agreement linking me directly to this account. This raises concerns about whether the debt has been properly verified or if it is being reported multiple times across different entities. Additionally, these inconsistencies suggest the possibility of duplicate reporting, inaccurate data matching, or a data breach, where my personal information may have been used without proper authorization. Under XXXX5 U.S.C. 1692g ( b ), I am requesting full validation of this debt. Under 15 U.S.C. 1681s-2 ( b ) and 1681e ( b ), all reported information must be accurate and properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I am submitting this complaint regarding the reporting of a late payment on my Apple Card account issued by Goldman Sachs. The late payment occurred in XX/XX/year>. Since that time, I have brought the account fully current and have maintained it in good standing, and the account is now paid in full. I previously contacted Goldman Sachs through Apple Card support to request a goodwill adjustment for this isolated late payment, given that it is over two years old and does not reflect my current financial behavior. However, I was advised to contact the credit bureaus instead, and my request was not escalated or reviewed further. I understand that the reporting may be technically accurate. However, I am requesting that Goldman Sachs conduct a reasonable goodwill review of this late payment based on my current account standing and payment history. This negative mark is impacting my credit profile despite my efforts to responsibly manage and improve my financial situation. I am simply requesting fair consideration for a one-time exception. I would appreciate a thorough review of my request and a direct response from Goldman Sachs regarding whether a goodwill adjustment can be made. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: NY

Complaint narrative:
Jefferson capital Collection agency kept calling and sending me mail about a XXXX bill of {$420.00} that was already paid off. I provided documentation to the agent and sent it to him .XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
An unsecured Loan was taken out with the 2 Owners of a Small Business for up to {$25000.00} in XXXX of XXXX with three cosigners including myself. In XXXX of XXXX a dispute with the Owner over use of those funds and the business operation with me having no involvement with the business or access to the account, I In XXXX of XXXX I requested removal from the Owner as Cosigner with no response or action even after he agreed to meet and resolve the issue. Once again in XXXX XXXX. In XX/XX/XXXXXXXX went to the bank to ask for assistance with no possible help or resolution. In XXXX and XX/XX/XXXXXXXX spoke on the phone to Bank Customer service sent 2 letters and fax with no response only there is no Banker appointed to help me, In XXXX sent one fine registered letter to bank

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bright Capital Inc
State: MT

Complaint narrative:
They will not delete my account and routing number.and keep doing transactions on my account As i asked them to close my account. And refund my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Block, Inc.
State: WA

Complaint narrative:
Names : XXXX XXXX Email : XXXX Cashtag : XXXX Zipcode : XXXX Cash App refused to honor my dispute and provide provisional credit for unauthorized transactions after my phone and credentials were stolen On or around [ XX/XX/year>XXXX ], while I was at the hospital, my phone and login credentials for my Cash App account were stolen. Shortly afterward, unauthorized transactions occurred on my account. I promptly reported these as unauthorized transactions/fraud to Cash App on XX/XX/year>. I clearly explained that my phone had been stolen and that I did not authorize any of the transactions. Cash Apps own policies state that for eligible disputes involving unauthorized electronic fund transfers, they will investigate and, if they can not complete the investigation within 10 business days, they must provide provisional credit while the investigation continues ( up to 45 days total under Regulation E / Electronic Fund Transfer Act ). More than 10 business days have now passed since I filed the dispute, yet Cash App representatives have been telling me stories repeatedly told me they can not provide the provisional credit because I misplaced my phone. This reasoning does not make sense and appears to violate my rights : The phone was stolen ( not simply misplaced ) while I was in the hospital. I reported the unauthorized transactions promptly after discovering the theft. Federal consumer protection rules ( Regulation E ) require financial institutions like Cash App to provide provisional credit in cases of reported unauthorized transfers when the investigation takes longer than 10 business days, unless specific narrow exceptions apply ( which do not appear to apply here ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Issue : Incorrect account closure / unfair practices Citibank improperly closed my XXXX XXXX XXXX account ( ending in XXXX ) based on false information that my XXXX membership was not active. Their XX/XX/year>XXXX letter states my account was closed due to non-renewal of membership. However, my XXXX membership is active and valid through XX/XX/year>. This means the closure was based on inaccurate information and should never have occurred. As a result of Citibanks error : My credit account was closed without valid cause Earned rewards were forfeited My credit profile may have been negatively impacted I attempted to resolve this by phone in XXXX with no success, showing a failure in their internal dispute process. This appears to be an unfair and deceptive practice, including : Failure to verify account status before adverse action Improper forfeiture of earned rewards due to their own error Potential inaccurate reporting to 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 non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have told Chase bank numerous times I did not want over draft on my account and did not want to have charges come out when there was not funds to cover it. My account was in the negative and I did not realize it until I woke up the next morning and saw XXXX fees for overdraft fees each for {$34.00}. I transferred the money to my account. The next morning I woke up to the same fees again. I talked to 3 employees and then 3 supervisors. No one would help me and would not provide an explanation when I was looking at the proof the XXXX set of XXXX charges should of not happened. Then I tried to close my account and they kept transferring me telling me I needed to talk to a supervisor and then the supervisor would not help me even close my account. Telling me I had to go in. They have done nothing to help me to not lose the {$200.00} in overdraft fees and then again when I tried to close my account to not help with not having to deal with this again. I do not have these issues with my other 2 banks. I have proof that I have told them I do not want over draft. I have nothing on auto pay, changed my debit card and yet they keep taking money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-10 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: MD

Complaint narrative:
Im filing this complaint because I feel like Im being held responsible for something that is clearly not my fault. I used my American Express card to purchase XXXX XXXX XXXX XXXX graphics cards from XXXX, totaling about {$7700.00}. The carrier marked the items as delivered, but I never received them. I checked immediately and the packages were not there, and I never had possession of them at any point. Because of how expensive these items were, I filed a police report. I also contacted XXXX, but they refused to refund or replace the items and told me to go through my credit card company. I had a similar issue with a XXXX monitor that was also marked as delivered but never received. In that case, XXXX reviewed everything and gave me a refund, which makes it even more frustrating that this situation is being handled differently. When I filed a dispute with American Express, I provided all the information I had, including the police report and order details. Despite that, they denied my claim and are relying only on the carrier saying the items were delivered. I dont understand how I can be expected to pay for items I never received. There was no signature required, no proof the packages were actually handed to me, and nothing showing I ever had them. Im not trying to get out of a charge or return something I simply never got what I paid for. I even asked American Express to take another look at this as a goods not received situation and refund the charges from XXXX. It didnt work And what makes it worse is they no as a XXXX personnel that barely be home that have submitted there orders there aware of why I wasnt there

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
Subject : Formal Complaint Inaccurate Credit Reporting by Carrington Mortgage Causing Financial Harm I am filing a formal complaint against Carrington Mortgage Services for reporting inaccurate and misleading information to the credit bureaus, which has caused me significant financial harm and distress. Carrington Mortgage has reported late payments on my credit report that are not accurate. I have documentation showing that my account was not delinquent as reported, yet these inaccuracies remain on my credit profile. Despite my efforts to address this issue directly, the incorrect information has not been corrected. This inaccurate reporting has had a direct negative impact on my creditworthiness, including but not limited to : - Increased interest rates and reduced loan eligibility - Inability to secure favorable financing terms- Financial loss due to higher borrowing costs - Emotional distress and reputational harm Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to report accurate information and promptly correct any inaccuracies. Carrington Mortgage has failed to meet these obligations. I am requesting the following actions : 1. Immediate investigation into the inaccurate reporting 2. Correction or removal of all inaccurately reported late payments 3. Written confirmation of the corrections made to all credit bureaus 4. A detailed explanation of how this error occurred 5. Assurance that future reporting will be accurate and compliant I am prepared to provide supporting documentation, including payment records and correspondence, demonstrating that the reported late payments are incorrect. This matter is time-sensitive, as the inaccurate reporting continues to negatively affect my financial standing. I expect prompt resolution in accordance with federal law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 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: NC

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
While completing the transaction, I mistakenly labeled it as XXXX XXXX internet bill, XXXX XXXX which I now understand does not reflect the true nature of the transfer and may have caused confusion. I sincerely apologize for this error and any concern it may have raised. This transfer was not related to any goods, services, or business activity.The transaction in question was a XXXX XXXX personal gift XXXX XXXX. Specifically, an amount of XXXX XXXX [ XXXX usd ] XXXX XXXX was sent to me on XXXX XXXX [ XX/XX/year> ] XXXX XXXX Here is the Reference ID : XXXX. PayPal is non-responsive to my inquiries and is currently in possession of my property without providing a valid legal justification or a clear path to resolution, causing financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Help my rights are being violated, 15 U.S.C. XXXX ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing withinXX/XX/XXXXdays of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I had around {$12000.00} ( at the very least ) in XXXX with Kraken. I went to the Kraken website and tried to login to check my balance and couldn't. A phone number came up for me to call first to set up a manual verification. The number I called is : XXXX. I called and a person answered claiming to be a Kraken agent to assist me. He gave me another number in case we get disconnected which is : XXXX. He had me download an app to share my computer. He gave me several numbers for I.D . He then got me to scan my phone over the XXXX symbol which got me into my account and he withdrew all of the {$12000.00} leaving XXXX cents left. I have filed a complaint with Kraken, police dept. and the FBI.

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 2026-04-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Derogatory Account / Collection Dispute Subject : Dispute and Request for Validation of Derogatory Accounts ( FCRA XXXX, XXXX ; FDCPA XXXX ) To Whom It May Concern, I am disputing the accuracy and completeness of derogatory account ( XXXX ) reported on my consumer XXXXXX/XX/7201 Educational- report. Pursuant to FCRA XXXX, you are required to conduct a reasonable reinvestigation of the disputed information. Additionally, under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers of information may not report information that they know or have reasonable cause to believe is inaccurate, and under XXXX ( b ), they must conduct an investigation upon notice of dispute. To the extent any of these accounts are in collection, this letter also serves as a request for validation under the Fair Debt Collection Practices Act ( FDCPA ) XXXX, including the amount of the debt, the name of the original creditor, and verification that I am legally obligated to pay. Please provide competent evidence of the alleged obligation, including a copy of the original signed agreement, complete payment history, and the method of verification used. If you are unable to verify, you must delete the account ( XXXX ) pursuant to FCRA XXXX ( a ) ( XXXX ). Please also provide the name and contact information of each furnisher and a description of your reinvestigation procedures per FCRA XXXX ( a ) ( XXXX ). Sincerely, XXXX 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