vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
Collection Company sue me on XX/XX/XXXX on a time barred debt that they stated on the citation that was charged-off on or about XX/XX/XXXX. My self answer with the affirmative defense of Statute of Limitation under the Texas Civil Practice and Remedies as this action was not commenced within XXXX years after the cause of action occurred .. With NO RESPONSE by Plaintiff. My self send a second notice with a Demand of Immediate Dismissal & Notice of Statutory Violation .. With NO RESPONSE by Plainttif . Court day still active by XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
I am reporting Americas Car-Mart of XXXX for multiple violations of consumer protection and debt collection laws, primarily regarding Safety Fraud and Illegal Harassment after purchasing a XXXX XXXX XXXX XXXX XXXX XXXX Safety Violation ( Day 2 ) : On the second day of possession, I discovered the vehicle had been sold with pre-existing, life-threatening defects : tires with exposed cords and wires. Per Ark. Code 27-32-101, it is illegal to sell or operate a vehicle in this condition. 2. Breach of Guarantee ( Day 4 ) : On the fourth day, the transmission began failing. Management refused to honor their advertised " 100 % Satisfaction '' 7-day/500-mile exchange policy, citing a minor XXXX overage ( XXXX miles total ) to trap me in a contract for an unmerchantable vehicle. 3. Systematic Harassment : After falling approximately one week behind on payments due to the vehicle 's unreliability, the dealer began a campaign of high-volume harassment. As of XX/XX/XXXX, I have received 71 collection calls in 23 days ( averaging over 3 calls per day ). This frequency violates the " 7-in-7 '' standard of Federal Regulation F and is intended to annoy and abuse. 4. Bad Faith Repair Ultimatum : Management offered a repair only if the car was delivered by a " Monday morning '' deadline, which was impossible given my XXXX commute and my husband 's XXXX commute. I am willing to return the property to the lot where I signed the loan and am requesting a full rescission of the contract and a refund of all payments made to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
I got a collection account on my credit that is not mine I disputed it and it says all information is correct but I never got any information on the debt or where its from

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ascent Holding Co
State: GA

Complaint narrative:
I am submitting a complaint regarding my private student loan with Ascent Funding, which was used to finance my enrollment in XXXX. XXXX has officially ceased operations as of XX/XX/year> due to insolvency. At the time of closure, I had completed over 80 % of my program but had not yet completed the remaining coursework or the required job preparation and career services portion of the program. The career services and job preparation components were a material part of the programs value proposition and a significant factor in my decision to enroll and finance the program. Due to the schools sudden closure, I have been prevented from completing these required components and from accessing the remaining services included in the program. I contacted Ascent Funding to request administrative forbearance and a review of my loan due to school closure prior to program completion. While a temporary postponement has been approved, Ascent Funding has denied any further loan adjustment or consideration, stating that repayment obligations remain regardless of the schools closure. I believe this situation warrants further review because the educational services tied to this loan were not fully delivered due to circumstances outside of my control. I am requesting that Ascent Funding conduct a more thorough review of my loan in light of the schools insolvency and the incomplete delivery of contracted educational services. Specifically, I am requesting : A formal investigation into whether the loan should be adjusted due to incomplete program delivery Consideration of additional relief options beyond temporary postponement Clear documentation of the criteria used to deny further loan adjustment I am prepared to provide documentation of XXXX closure, my program progress, and the program structure, including the role of career services in completion. This situation has placed me in financial hardship due to the loss of access to essential components of the program I financed through this loan. I am seeking a fair and equitable resolution. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX by XXXX denial of my dispute involving services that were paid for but never provided. On XX/XX/2026, I disputed XXXXXXXX XXXX XXXX transactions totaling {$700.00} : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These payments were not casual peer-to-peer transfers. They were made for a clearly defined service that the merchant agreed to provide. After receiving payment, the merchant failed to deliver the agreed service and subsequently blocked all communication, preventing any resolution. I submitted documentation showing the service agreement, proof of payment, and evidence of the merchants failure to perform. On XX/XX/2026, XXXX denied the dispute stating there was no error and no fraud because the transactions were authorized. My concern is that the investigation appears to have relied solely on the fact that the transactions were authorized and classified as peer-to-peer, without evaluating the documented merchant non-performance and misrepresentation. Authorization alone does not resolve disputes involving services not rendered. The merchant accepted payment for a defined service and then failed to deliver while blocking communication. Additionally, because these transactions were funded using my XXXX card issued on the XXXX network, I am requesting confirmation that XXXX evaluated this dispute under applicable provisions for Goods or Services Not Provided. Based on the documentation provided showing merchant non-performance, I am concerned that my dispute may not have received a reasonable investigation. Given these circumstances, I respectfully request that XXXX : Reopen and reinvestigate this dispute Confirm that all documentation was reviewed Confirm whether applicable network protections were considered Issue a goodwill credit for {$700.00} based on documented merchant non-performance I acted in good faith and attempted to resolve this matter directly with the merchant before filing a dispute. Supporting documentation has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Subject : Follow-Up Dispute Request for XXXX of XXXX ( XXXX XXXX. XXXX ) To Whom It May Concern, I am writing in response to your recent investigation results regarding my prior dispute. You stated that the following account was verified as accurate : - Creditor/Collection XXXX : Midland Credit XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX, XXXX, GA XXXX. I am writing to file a formal complaint against the debt collection practices of XXXX regarding an alleged debt associated with account number XXXX. This account, which currently shows a balance of {$1400.00}, is inaccurately reported as being in collections under my name. I have no knowledge of this debt and am certain that it does not belong to me. On XX/XX/2026, I formally disputed this erroneous account information due to incorrect details reported by an autoblast system. Despite taking this action, the issue remains unresolved, and the account continues to negatively impact my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ), consumers are protected against the collection of debts that are not owed. Furthermore, the Fair Credit Reporting Act ( FCRA ) ensures that consumers have the right to dispute inaccurate information on their credit reports. In compliance with these laws, I am exercising my rights to dispute this debt and request that XXXX cease all collection activities related to this account. The presence of this unauthorized collection account has caused significant harm to my creditworthiness, impacting my ability to secure loans and favorable interest rates. The stress and inconvenience of dealing with this incorrect reporting have been burdensome and unjust. I am seeking the complete removal of this account from all three major credit bureausXXXX XXXX XXXX XXXX. I expect XXXX to investigate this matter thoroughly and ensure that my credit reports reflect accurate and truthful information. Please address this complaint promptly and confirm the removal of the disputed account from my credit reports. I appreciate your attention to this matter and anticipate a swift resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint regarding a denied fraud claim involving a XXXX transfer. I was the victim of a fraudulent impersonation scam involving identity theft. The individual who received my money falsely posed as a legitimate attorney affiliated with a charitable organization. They used a real attorneys name and contacted me through XXXX, XXXX, and email to gain my trust. As part of the deception, I was provided with fraudulent information and led to believe I was engaging in a legitimate legal process. Based on these false representations, I sent money via XXXX. I submitted evidence to Bank of America, including screenshots of communications and proof of impersonation. Despite this, my claim was denied on the basis that the transaction was authorized. I want to make it clear that : I did not knowingly authorize a legitimate transaction My consent was obtained through deception and impersonation This is a case of fraud, specifically identity theft and impersonation Bank of America failed to properly consider the nature of this fraud and incorrectly categorized the transaction. I am requesting : That my claim be reopened and thoroughly investigated That the evidence of impersonation fraud be properly reviewed That all possible efforts be made to recover my funds

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 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
I financed {$5200.00} through Affirm ( Loan # XXXX ) with merchant XXXX for personal training services that were never delivered. Despite complete non-delivery of services, Affirm continues to charge me {$1200.00} in interest ( 14.91 % APR ), bringing my total obligation to {$6500.00} for nothing received. I filed three disputes with Affirm all denied. I initiated arbitration the merchant refused to participate. Affirm has now blocked me from filing further disputes while continuing to collect interest. I am requesting full loan cancellation and refund of all payments made to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: VA

Complaint narrative:
On XX/XX/year>, I received a letter by mail from XXXX collections, XXXX. It stated that I had a returned check with XXXX for {$55.00} ( and owed this amount ). I called and the rep ( a male ) that answered refused to give me any information until I provided him my phone number. He then claimed to have the same exact phone number on file ( which is untrue and deceptive practices ). After which time, I started receiving robo calls and harassment daily. I completed their paperwork and attestation stating that I am victim of identity fraud, I've never lived in XXXX, and I've never ( ever ) had or owned a bank account with XXXX. I faxed this to XXXX on XXXX. I also reached out to XXXX. XXXX opened their own investigation, and they found that I have never owned a bank account with XXXX. I received a letter from XXXX on XXXX stating that they found no record of me ever having or owning a bank account with XXXX. I sent a copy of this to XXXX XXXX on XXXX along with a cease-and-desist letter. However, XXXX XXXX continue to harass and robo call me constantly. Please find attached letter from XXXX along with my correspondence to XXXX XXXX. I contact XXXX XXXX on XXXX, XXXX, XXXX, XXXX, and again today XXXX. Please assist with resolving this matter. Thank you. Regards, 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
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I made the payment on time. These entries do not reflect my true payment history, and I will not accept false reporting that damages my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
Subject : Complaint XXXX Payment Count Errors, Missing Payment History, XXXX Excessive Processing Delays I am filing a complaint regarding the handling of my XXXX XXXX XXXX XXXX ( PSLF ) payment count and a severely delayed buyback request. Issues : -Previously qualifying XXXX payments have been retroactively reclassified as ineligible due XXXX forbearance on the due date -I did not request these forbearances, XXXX some were administrative in nature -I made payments during several of these months -Entire months of payment history have been removed XXXX no longer appear in my account -My qualifying payment count has decreased after previously being near or at XXXX payments Additionally : XXXX submitted a XXXX buyback request over XXXX months ago XXXX has been no resolution, timeline, or meaningful update provided Impact : These errors XXXX delays are preventing me from receiving loan forgiveness for which I may already be eligible. Requested Resolution : -Immediate manual review XXXX correction of my XXXX payment count -Restoration of improperly removed qualifying payments -Investigation into missing payment history -Expedited processing of my XXXX buyback request This situation reflects both servicing errors XXXX unreasonable processing delays that are materially harming my ability XXXX obtain loan forgiveness. I request prompt investigation XXXX resolution. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AL

Complaint narrative:
CASHAPP XXXX LET ME WITHDRAW MY MONEY THATS STUCK ON THERE PLEASE HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I had received word that my credit report was not very good. As I never had any previous history with a credit card company before, I tried XXXX set up a discover account. Only XXXX find out that I allegedly opened XXXX already XXXX it was past due for payments. {$1400.00} in debt. I called XXXX XXXX close the account XXXX was vetoed. I tried XXXX dispute it XXXX I havent gotten far.

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 2026-03-24 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: NY

Complaint narrative:
Capital One repeatedly confirmed in writing that multiple transactions on both my credit card XXXX my bank account were unauthorized and that I would not be held responsible. I received several official letters ( from XXXX through XXXX ) identifying numerous fraudulent transactions, including repeated XXXX charges, XXXX charges XXXX unauthorized ATM withdrawals, XXXX other activity. These letters clearly state that I am not responsible for those transactions. Due XXXX ongoing fraud, Capital One replaced my cards multiple times XXXX issued credits XXXX my accounts. I have filed complaints more than XXXX times regarding both my credit card XXXX my bank account. Each time, I was told the case was under investigation. However, instead of resolving the issue, Capital One repeatedly closes the cases without providing a proper explanation XXXX later reverses the previously granted credits. In several cases, the merchants themselves ( including XXXX and XXXX ) confirmed the transactions were unauthorized and issued refunds. Despite this, Capital One still reversed the credits XXXX is now claiming I am responsible. I was also informed by a Capital One representative that the funds in my account belong XXXX the bank, which is incorrect and concerning. These are my personal funds XXXX disputed amounts that were previously credited XXXX my account. Capital One has also permanently restricted my account XXXX is withholding my funds, including a {$1300.00} deposit XXXX additional disputed amounts. I have not received any proper written explanation, investigation report, or evidence supporting these reversals. This issue affects both my credit card account XXXX my bank account. I am requesting : XXXX ) Immediate reinstatement of all reversed credits XXXX ) Full release of all my funds XXXX ) Written explanation XXXX documentation of all reversals XXXX ) Full access XXXX all account statements from XX/XX/XXXX to present I am attaching evidence including official fraud letters from Capital One confirming these determinations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for mortgage assistance from Security Service Federal Credit Union ( XXXX ) due XXXX a medically documented involuntary loss of income. My application was denied based on incomplete XXXX inaccurate information. The denial stated that my hardship was resolved, even though my income loss was caused by a XXXX XXXX an insurance benefit denial that is still under active review with the Texas XXXX XXXX XXXX. I submitted a complete XXXX XXXX XXXX ( XXXX ) with income documentation, medical information, XXXX proof of hardship. XXXX did not evaluate my updated income, did not consider my contribution income, XXXX did not apply the required XXXX XXXX guidelines. They also failed to consider exception pathways for involuntary hardship. On XXXX, I submitted a full updated income packet through my XXXX online account, including SXXXX XXXX income beginning XX/XX/year>, annual income totals, future income projections, XXXX verified assets. XXXX viewed the documents on XXXX but has not reevaluated my application or acknowledged the updated information. I am requesting CFPB oversight because the servicers denial does not reflect a complete, accurate, or compliant evaluation under federal servicing rules or XXXX XXXX requirements.

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 2026-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a written dispute regarding an alleged debt being reported and/or collected by XXXX XXXX XXXX XXXX In my dispute, I requested validation of the debt, including documentation verifying the amount owed XXXX proof that the company has the legal authority XXXX collect the alleged debt. As of today, I have not received any response or validation documentation from XXXX XXXX XXXX regarding my dispute. Under the Fair Debt Collection Practices Act ( FDCPA ), when a consumer disputes a debt, the debt collector must cease collection activity until verification of the debt is provided XXXX the consumer. Despite my dispute submitted on XX/XX/year>, XXXX XXXX XXXX has failed XXXX provide the required validation. Because the company has not responded to my dispute or provided the required documentation, I am requesting that the CFPB investigate this matter XXXX require the company to : Cease collection activity XXXX remove the account if they can not properly validate the debt. This complaint is being filed due XXXX the companys failure XXXX comply with federal consumer protection laws after receiving a dispute. The account continues XXXX be reported XXXX credit reporting agencies despite the lack of validation after my dispute, which may raise compliance concerns under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation