vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FORD MOTOR CREDIT CO.
State: LA

Complaint narrative:
I received a letter in the mail from XXXX XXXX XXXX saying I owe debt to them which I am unaware of. I asked them to provide me with proof that I owed them the debt. They sent a contract but the contract had a digital signature on it. I sent a letter back letting them know that ; that wasnt my signature on the contract they provided. I responded to them what is below and I also attached the letters I sent Under the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX XXXX in Global and National XXXX XXXX ( XXXX XXXX ), the burden is on the collector to substantiate the debt and attribute the signature to the person they are attempting to collect. The mere presence of an electronic signature clause in a document does not prove that I am the individual who executed that signature. You have yet to provide any evidence that I am the individual who executed that digital signature. Therefore, I demand that you provide the following evidence of attribution : XXXX. The XXXX XXXX XXXX : Provide the full certificate of completion or audit log for the electronic signature, including the XXXX address, timestamp, and the email address to which the signing link was sent They have not yet provided me with anything yet. This is my XXXX time asking them to provide proof that I signed this contract. It is not right to send me a contract with a digital signature. I am unaware of this debt collection and Im not about to be responsible for paying something that Im unaware of. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am filing a complaint against American Express regarding their handling of dispute XXXX. SUMMARY : I disputed two charges from XXXX XXXX / XXXX XXXX for a travel package totaling {$2600.00} ( Order # XXXX ). This order was an accidental duplicate caused by a timeout on the merchants website during checkout. AMEXS FAILURE : Amex resolved the dispute in the merchants favor based on the merchants claim that I received the tickets because I claimed a XXXX transfer link. This is factually incorrect and misleading. Claiming a digital transfer link is not the same as attending the event or using the tickets. The tickets were never scanned or used. The event has now concluded. The merchants own dispute response document contains their internal notes confirming I contacted them in XX/XX/year> to resolve this directly contradicting their claim that I never reported any issues prior to the event. Additionally, the merchant failed to deliver a service explicitly promised in writing in both of my confirmation emails : an on-site host at The XXXX XXXX. I have a timestamped chat log from the night of the show proving no host was present and that I was forced to contact the hotel directly for basic assistance. Amex accepted the merchants misleading response without requesting or reviewing my supporting documentation, including : Both written confirmation emails promising an on-site host Timestamped Venetian chat log ( real-time complaint during the event ) XXXX verified day-of social media post confirming active ticket market value Merchants own internal notes confirming my XX/XX/year> contact Amex told me on the phone that they have never seen anyone get money back from XXXX suggesting a predetermined bias against disputes involving this merchant rather than an impartial review of the facts. When I escalated to a supervisor, I spoke with XXXX ( Supervisor ID : XXXX ). I was told Amex does not issue reference numbers for calls but that all calls are recorded. I am requesting the CFPB obtain the recording of this call as evidence of Amexs predetermined bias against this dispute. REQUESTED RELIEF : I am requesting the CFPB investigate American Expresss handling of dispute XXXX and require them to conduct a full, impartial review of the evidence before making a final determination. Card : American Express XXXX Merchant : XXXX XXXX XXXX XXXX XXXX Amount : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: OK

Complaint narrative:
I am filing a complaint regarding a collection account being reported by Rent Recovery Solutions related to a former rental property. I vacated the property in XX/XX/year>. I do not recall receiving any itemized statement of damages or notice of charges within the legally required timeframe after I moved out. Recently, I requested validation of this debt. In repsone, I was provided only a copy of the lease agreement and a balance summary. The summary includes a general charge of {$3.00}, XXXX. I did not recieve an itemized list of charges, documentation or photos. I have not been provided the following an itemized statement of damages move-out inspection report invoices or reciepts supporting the alleged repair charges photographic evidence of damages doucumentation showing when or how the itemized statement was sent Without proper itemization and documentation, I am unable to verify the accuracy or legitimacy of the amount being reported. Reporting a debt without sufficient verfication may be a violation of the Fair Credit Reporting Act. I am requesting the following resolution Full Validation of the debt, including detailed itemization and supporting documentation or Immediate removal of this account from all credit reporting agencies if proper validation can not be provided.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I disagree with Equifaxs response. I previously submitted my identity theft block request by certified mail, and I am uploading proof of mailing, tracking/delivery confirmation, and copies of the documents I submitted. My request was made under FCRA 605B, 15 U.S.C. 1681c-2. I provided documentation supporting my identity theft claim, including proof of identity, my identity theft report/police report/FTC report, identification of the information being disputed, and my statement that the disputed information does not relate to any transaction made or authorized by me. Equifaxs response is not sufficient because it does not clearly identify which specific document they claim was missing, incomplete, or unacceptable. A general statement that documents were not enough does not explain what deficiency prevented Equifax from processing my identity theft block request. I am requesting that Equifax reprocess my identity theft block request, review the documents already provided, and block the fraudulent information from my Equifax credit report as required under FCRA 605B. If Equifax still refuses to block the information, I request that Equifax provide a specific written explanation identifying exactly which required document is allegedly missing or defective, and why the documents I submitted were not accepted. Attached are : 1. Certified mail receipt 2. USPS tracking/delivery confirmation 3. Copy of my identity theft block letter 4. Proof of identity 5. Proof of current address 6. Proof/document showing my full Social Security number, if required 7. FTC Identity Theft Report and/or police report 8. Copy of the credit report pages/items I identified as identity theft 9. My statement that the disputed information does not belong to me and does not relate to any transaction I made or authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
Fraudulent charges, reversed the charges and said the charges were authorized by me and it was not.

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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Marlette Funding, LLC
State: MI

Complaint narrative:
Earlier this year, I set up a second checking account and a XXXX was missing on the front of it causing my payment to be reversed. I reached out to XXXX XXXX and the rep assisted me in getting the payment made and left me thinking the checking account number had been updated in the system since I have never been able to edit my payment information. I can remove it but not edit it. I recently attempted to pay my XX/XX/year>2026 bill with the secondary checking account on file and the payment was again returned. A {$35.00} reversal fee was added and nearly all of my credit was taken away. Prior to my reversed payment, I had over {$500.00} in available credit. Now I have less than {$60.00}. When I called this morning, on XX/XX/XXXX, to address the reversed XX/XX/XXXX payment, the rep sounded like he was being awakened from a deep sleep. He told me to call my bank even though the bank had nothing to do with the issue. The rep refused to put a supervisor on the phone and instead offered me a call back. I am not in the position to receive call-backs due to my work. After calling a second time, a rep that sounded more awake, assisted me in deleting the incorrect bank account I was not allowed to edit. I advised that the system still would not allow me to edit my banking details even though it was an option listed. The website glitches so often that it is not usable for all functions. I snapped a screenshot of the choppy letters being shown. The minimum payment looks like another webpage is trying to lay over it or something. Also, whenever I have tried to redeem cash rewards in the past, I have to call in. The second rep I spoke with told me to email their back office at a very long email address. When I went to email XXXX the email errored and just disappeared. I have re-issued the payment. I am being retaliated against by having nearly all available credit taken away and a reversal added to my account for an error that I called to address months ago.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Incorrect information on your report — Account information incorrect
Company: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
CFPB Complaint Narrative Company : LoanMart ( XXXX LoanMart ) Issue : Incorrect information on your report / Account status is incorrect Description : I am filing this complaint against LoanMart for reporting inaccurate, contradictory, and damaging information on my credit report for Account XXXX XXXX XXXX XXXX. There are three major violations occurring here : Contradictory Reporting : My credit report lists this account as a " Collection/Chargeoff '' with a past-due balance of {$13000.00}. However, the " Consumer Statement '' and " Comments '' section on the same report explicitly state : " ASSUMED BY ANOTHER PARTY. NO LONGER MY ACCOUNT. '' If the account was assumed by another party, I am no longer the responsible debtor and the balance should be reported as {$0.00} or deleted entirely. Failure to Provide 1099-C : Despite reporting the balance as a " loss '' and a " chargeoff, '' the creditor has failed to issue me IRS Form 1099-C ( Cancellation of Debt ). If they are claiming this debt is a loss for tax purposes, they are legally required to provide me with that documentation. FCRA Violation : By acknowledging in the comments that the account is no longer mine, yet still reporting a five-figure derogatory balance against my name, the furnisher is failing to report accurate data under the Fair Credit Reporting Act. This is keeping my credit score suppressed and preventing me from financial progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX closed access to my credit card account today XXXX as part of their sale of their XXXX XXXX XXXX business to Citi. However, Citi will not let me sign on until XXXX So these two banks have effectively denied me access to my account for 4 days, all without any notice. I currently have no access to manage my account, to see my transactions, to make a payment, etc. This " black-out '' without advance warning is simply gross negligence on the part of XXXX and Citi, for me, and I assume millions of other people. This complaint is against Citi Cards and XXXX XXXX however your system only allows 1 company name.

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 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: NY

Complaint narrative:
I am submitting a formal complaint regarding inaccurate, incomplete, and potentially unverified information being reported on my consumer credit file by Receivable Management Services. This collection account is currently reported as paid/closed, however the reporting furnished to consumer reporting agencies appears incomplete and does not demonstrate full data integrity or proper verification of all required account fields. The information being reported lacks sufficient supporting detail to confirm that it is accurate, complete, and not misleading as required under the Fair Credit Reporting Act ( FCRA ). Account in question : Date opened : XX/XX/year> Status : Paid, Closed Original balance : {$190.00} Highest balance : Not reported The tradeline is missing complete account data elements that are typically required to properly verify the accuracy and completeness of a collection account reporting. When key data fields are missing or not fully substantiated, it raises serious concerns as to whether the furnisher has conducted a reasonable investigation prior to reporting and whether the continued reporting meets FCRA accuracy standards under 15 U.S.C. 1681s-2 and 1681i.

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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Request for Reconsideration of Closed XXXX Fraud Case New Third-Party Evidence Not Considered I am submitting a new complaint regarding a previously closed dispute with Chase involving XXXX XXXX payment of {$250.00} sent on XX/XX/year>. This case was previously closed by both Chase and CFPB. However, I am reopening this matter due to new, material third-party evidence of fraudulent activity that was not available or considered during the original investigation or response. Key Facts : - On XX/XX/year>, I sent a {$250.00} XXXX payment to an account represented as a pet adoption center. - The payment was made based on information that appeared legitimate at the time. - After the transaction, I conducted further investigation and reported the account to the platform where I originally found the listing/contact. - The platform confirmed that the account violated its policies due to fraudulent or scam-related activity and restricted/banned the account for misconduct. - This confirmation was issued after the original dispute was closed and was not considered in Chases investigation or CFPBs prior review. Issue : Chase closed the claim under the determination that the transaction was an authorized XXXX payment. However, this conclusion did not take into account subsequent third-party confirmation of fraudulent activity associated with the recipient account. This is not a case of buyers remorse or a simple payment dispute. The transaction was induced through misrepresentation, and there is now independent confirmation that the recipient account engaged in deceptive and fraudulent conduct. Concern : The original investigation appears to have been completed without consideration of all relevant evidence, specifically the external fraud confirmation obtained after case closure. As a result, the determination may not reflect the full set of facts. Request : I respectfully request that CFPB : XXXX. Require Chase to reopen and fully reconsider this claim in light of the new evidence. XXXX Review whether Chase conducted a complete and reasonable fraud investigation. XXXX. Ensure that external, third-party fraud confirmations are properly considered in determining outcomes for Zelle-related disputes XXXX I am attaching supporting documentation, including platform confirmation and related communications. Thank you for your time and consideration of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account status incorrect
Company: Chime Financial Inc
State: NH

Complaint narrative:
My Chime account was closed by the institution on XX/XX/26. Since the closure, Chime has reported a negative balance/delinquency to the credit bureaus. I have contacted Chime customer service several times XXXX to resolve this balance. However, front-line representatives repeatedly state, " Your account is closed and we can not help you, '' and refuse to provide a method for payment or an itemized validation of the debt. I tried sending through account transfers but returned.Payment amount is only {$70.00} The Problem : Chime is damaging my credit history by reporting a debt while simultaneously blocking my ability to verify or pay that debt. Under the Fair Credit Reporting Act ( FCRA ), they are required to ensure the accuracy of reported data and provide a reasonable path for dispute or resolution. Their refusal to assist me because the account is " closed '' is a violation of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase for XXXX on an American Express Blue Rewards card and then I received a message shortly thereafter that my line had expired been reduced to XXXX and I need to stop making any purchases to avoid overlimit charges to my account. This is a fraudulent business practice act whereby the customer is being maliciously prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: VA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX regarding a disputed debt in the amount of {$30000.00} related to an income-based education agreement originally with XXXX XXXX XXXX a company that is no longer in operation. I previously disputed this account with Equifax. The debt collector responded by verifying the account without providing any documentation directly to me. No proof of ownership, assignment, or validation has been provided. This debt is being reported and collected inaccurately for the following reasons : 1. This was an income-contingent agreement requiring payments only if my income exceeds approximately {$40000.00} annually. My current income does not consistently meet this threshold, yet the account is being reported as unpaid and delinquent. XXXX. The original company ( XXXX XXXX. ) is no longer in business, and I have not been provided any documentation showing a valid legal assignment of this debt to the current collector. XXXX. I have not been provided a copy of the original agreement upon request, nor any documentation showing that services were fully delivered as promised. XXXX. The agreement was entered under rushed conditions, and the program outcomes were misrepresented, including job placement expectations. Despite disputing this debt, the collector continues to report it as accurate without proper validation. I am requesting : - Full validation of the debt, including chain of ownership and original contract - Investigation into improper credit reporting - Correction or removal of this account from my credit report if validation can not be provided This matter involves potential violations of the Fair Debt Collection Practices Act ( FDCPA ) and inaccurate reporting under the Fair Credit Reporting Act ( FCRA ).

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