vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: TX

Complaint narrative:
I disputed a transaction on the date of XX/XX/year> for {$540.00} and XX/XX/year> because they didnt add the multiple transactions to the dispute for the amount of {$210.00}, {$210.00} because I didnt receive the good or services I was promised.They then denied my dispute the next day and just gave me no proof why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: WA

Complaint narrative:
I am submitting a complaint regarding a charge on my credit card for tickets to XXXX XXXX in XXXX, XXXX. I purchased tickets through a website that appeared to be the official XXXX XXXX ticket provider. The sites branding and presentation led me to believe I was buying directly from the official venue. After completing the purchase, I realized the website was a third-party reseller and not the official ticket site. The website was misleading and did not clearly indicate it was a separate vendor. I immediately contacted the merchant to cancel the booking and request a refund. The merchant refused, stating that their tickets are non-refundable, even though the purchase was made under misleading circumstances. I did not knowingly authorize this purchase from this merchant. Because the merchant misrepresented itself and refused to refund the charge, I am requesting the CFPBs assistance in resolving this issue and ensuring the charge is reversed. I have documentation including the purchase confirmation and my cancellation request. When I first contacted my credit card company to report this charge, I was told to wait until XXXX weeks after the event date before they could assist. When I called again to escalate and request a formal dispute, I was told they would not open a dispute at all. I was also informed that the merchant is a customer of the bank, which may have influenced their refusal to assist. This delay and refusal have left me without recourse, even though the merchant misrepresented itself and refused to refund the charge. I am requesting the CFPBs assistance in resolving this issue and ensuring the charge is reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to formally dispute the recent withdrawal of {$6500.00} from a joint account. This withdrawal relates to a check I deposited into a personal account that was later closed. I want to make it clear : The check was not properly endorsed to me, and the funds were never made available. I never received, withdrew, or used the {$6500.00}. Taking this money from my joint account was unauthorized. Any claim that I owe the bank this amount because of temporary credit is invalid, as I never had access to the funds. Withdrawing this money under these circumstances is improper, unauthorized, and may constitute theft. I request the following immediately : Reverse the {$6500.00} withdrawal from the joint account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am disputing inaccurate rental debt reporting by National Credit Systems.The company is reporting a rental collection balance that I believe is inaccurate and not properly verified. I previously disputed this debt and requested validation, including a copy of the lease agreement, a full payment history, and an itemized breakdown of all charges and fees used to calculate the total balance.I did not receive sufficient documentation clearly showing how the reported amount was calculated or proof that all added fees and charges are valid and legally owed.Despite my request for verification, the collection remains on my credit report without proper validation. This inaccurate reporting is harming my credit and financial standing. I am requesting a full investigation, proper validation of the debt, correction of any inaccurate amounts, and removal of the account if the debt can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: VA

Complaint narrative:
This complaint is being submitted as a follow-up to CFPB Complaint No. XXXX. Village Capital closed the prior complaint with explanation ; however, the underlying issue remains unresolved. Village Capital committed a mortgage servicing error by misapplying funds from our escrow account to pay property taxes associated with an incorrect parcel number : XXXX # XXXX. Our property is associated with XXXX # XXXX. As a result of this error, escrow funds that were intended for our property were used to pay taxes for a different parcel. This improper escrow disbursement created an artificial escrow shortage on our account. Instead of correcting the servicing error, Village Capital increased our monthly mortgage payment to make up for the escrow deficit caused by their misapplication of funds. As a result, we are being required to cover a shortage that was created entirely by the servicers error. The XXXX of XXXX has confirmed that a refund was issued for the incorrect tax payment and has indicated that Village Capital has received the re-issued refund. However, Village Capital continues to state that they have not received the refund and has not corrected the escrow account. Due to these conflicting statements, the issue remains unresolved and our escrow account continues to reflect a shortage caused by the servicers error. Under the Real Estate Settlement Procedures Act ( RESPA ) and Regulation X ( 12 C.F.R. 1024 ), mortgage servicers are required to properly administer escrow accounts and correct servicing errors in a timely manner. The failure to correct this escrow misapplication and the resulting borrower harm remains unresolved. Because this issue involves a servicing error, improper escrow disbursement, and continued borrower harm resulting from the servicers failure to correct the escrow account, I am requesting that this matter be reviewed as a formal mortgage servicing error under RESPA and Regulation X. I am requesting that Village Capital : Correct the escrow account to remove the shortage caused by the improper tax payment. Restore the escrow balance to the amount that would have existed had the servicing error not occurred. Adjust our monthly mortgage payment to reflect the corrected escrow balance. Provide written confirmation that the escrow account has been properly corrected. Until the escrow account is corrected and the shortage caused by this servicing error is removed, the matter can not be considered resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX I received an offer from American Express to add an additional card member to my account ending in XXXX. The offer was XXXX skymiles in exchange for the additional member spending {$500.00} within XXXX months. The offer was accepted on XXXX XXXX and completed by By the beginning of XXXX. On XXXX XXXX I reached out to American Express regarding the offer, was told via chat support they couldn't see the offer, and it would be elevated for review. I stated I have screenshots as the offer was still active. American Express stated on XXXX XXXX the offer was not actually ever available, when I provided the offer XXXX ( it was still active on my account page ) and the terms they doubled down and deleted the offer from my account page. They offered a XXXX skymiles in exchange for an offer that has been documented with emails and screenshots as existing. I declined and filed with the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
XX/XX/year> ( XXXX, XXXX and XXXX ) I keep getting multiple phones from this company asking for a specific person that is not me. I have repeatedly told her to stop calling my number and that she is harassing me by calling. Today I received I call that I answered and told her this again, then received XXXX more calls that I did not answer and left XXXX voicemails. I called back the number and no answer then I called the number she left on my voicemail. He told me to call back the number that called me and I explain no one answered that line and she left his number for me to call. I then told him that the person they are calling for is not me and not my phone number and to stop calling & harassing me. All this has gone on during my work hours today at work. On XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - all the other calls I deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt. collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX days of initial contact. The accounts Ive referenced are not XXXX % 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. This company is violating my rights they and have not provided me with validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) and yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital One , N.A . Date Account was open : XX/XX/year> Account Last XXXX digits:XXXX Credit Card Balance {$2400.00} XXXX XXXX XXXX Capital One , N.A . Date Account was open : XX/XX/year> Account Last XXXX digits:XXXX Credit Card Balance {$2400.00} USC 16 926 Please send me the detail list of legally payment history made by me on this account. I want to see the signature that I put on a contract guaranteeing that I would pay a secondary creditor named XXXX XXXX XXXX XXXX XXXX. I am also asking to see if there have been any insurance claims found for the above debt. I am disputing the reporting of the Charge Off Account, because the dates are inaccurate and appears re-age the debt, under FCRA 605 ( a ) ( 4 ), 15USC 1681C ( a ) ( 4 ) obsolete charged-off accounts more than XXXX years old may not be reported, under the FCRA 607 ( b ), 15 U.S.C. 1681 E ( b ), you must assume maximum possible accuracy. Please correct the dated to the true date of First delinquency on this account that exceeds the XXXX-year period. I am disputing the reporting of the above charge off account because the dates I need to know the inaccuracy. Also, if Capital One had insurance on my debt, that's which had been rectified. Currently XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, ( XXXX ) XXXX, email : XXXX Lastly, I would want see proof that Capital One has given the chain of title to collect on this debt. FCRA623 605A4and 15 USC 1681CA. I need the first delinquency, and the last time payment were made before the charge off happened. According to FCRA 605A4 15USC 1681CA 4 and FRCA607B-15USC 1681 E and B. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/26, I received several emails from Chime stating changes were made to my account, including that my phone number and email address were changed. I did not make these changes. I called Chime 's XXXX XXXX number and spoke with their XXXX team. Chime asked for the last XXXX of my social, birthdate, and name. After providing that information, they stated they couldn't verify my information and wouldn't answer any questions. I am concerned someone used my personal information exposed in a data breach last year to log in to my Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
My account is frozen and I have been on hold for a hour and a half and they are not answering so I can unfreeze my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Fees or costs after closing
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I refinanced my home loan and my Helock was paid off by the title company and Golden 1 C.U. keeps sending me a bill and won't release the lien against my home.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: NC

Complaint narrative:
I am submitting this complaint regarding National Credit Systems , Inc. attempting to collect a debt of {$5800.00} allegedly related to a rental account with XXXX XXXX XXXX in Florida. I am a victim of identity theft and this account was fraudulently opened using my information. I have already provided National Credit Systems , Inc. with documentation proving this, including a police report confirming the identity theft, a copy of my drivers license verifying my identity and address, and information showing that I have never lived in the state of Florida where this rental account was opened. Despite providing this documentation, the company continues to attempt to collect this debt from me. I have attempted to resolve this issue by contacting the company directly ; however, the agent assigned to my account repeatedly hangs up the phone during our conversations and refuses to properly address the identity theft documentation I submitted. This behavior is extremely unprofessional and prevents me from resolving a fraudulent account that is not mine. I am requesting that National Credit Systems , Inc. : 1. Immediately cease all collection efforts related to this fraudulent account. 2. Conduct a proper investigation into the identity theft documentation I have already submitted. 3. Remove any reporting of this account from my credit reports. 4. Provide written confirmation that I am not responsible for this debt. I am attaching copies of the police report and identity documentation that I previously provided to the company. Thank you for your assistance in solving this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
Bill payment don't now who the loan did a refinance paid XXXX XXXXXXXX s lot of money loan still hig car is not worth all the money look like I will pay for this car this is target r3ady to so XXXX XXXX and credit acceptance

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bilt Technologies, Inc.
State: WA

Complaint narrative:
The company is Bilt. On XX/XX/year>, I used their service for the first time for BillPay to pay my mortgage. Transaction was carried out that day. On XX/XX/XXXX, I received an email stating that " Your mortgage payment could not be processed. '' Tried contacting them for the first time, with no resolve. XX/XX/XXXX : later afternoon, received a generic email to recall prior message. I tried multiple times via the App, phone numbers, email to contact Bilt over the last two days, with no response except for XXXX-generated garbage. Bank account shows money deducted - mortgage payment still not made. Big issue is that there is no way to reach this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing regarding the judgment entered in the matter of Ally Bank vs. XXXX XXXX XXXX. First, I must state that I was never properly served with a summons, complaint, or notice of any court date related to this matter. The court records themselves reflect that multiple different addresses were used in attempts to serve me, several of which were not my residence at the time. Because of this, I never received proper notice of the proceedings and was deprived of the opportunity to appear and defend myself. Due to the lack of proper service, I will be filing a Motion to Set Aside the judgment pursuant to Rule 60 ( b ) of the North Carolina Rules of Civil Procedure. Additionally, the addresses used in your records raise serious concerns. The address referenced in your documentation is not the address that was on file for the vehicle associated with this loan, and it was not my residence. This raises the issue that my personal identifying information, including my Social Security number, may have been used to obtain or access information without proper verification. If information related to this account was obtained, used, or reported using incorrect address information tied to my Social Security number, this may constitute violations under : The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) for reporting inaccurate or unverified information. The Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) for attempting to collect a debt using misleading or inaccurate representations. North Carolina Unfair and Deceptive Trade Practices Act ( N.C. Gen. Stat. 75-1.1 ) for unfair or deceptive conduct in the collection of a consumer debt. Furthermore, I have requested multiple times ( three or more requests ) that documentation be provided showing the disposition of the vehicle, including : The bill of sale for the vehicle The auction company or location where the vehicle was sold The date of sale or auction The sale price and accounting of how the proceeds were applied to the alleged balance These documents have not been provided. Creditors are required to maintain and produce documentation showing how repossessed collateral was disposed of and how the proceeds were applied to the remaining balance. If the vehicle was sold while court proceedings were ongoing and while it was being represented that I remained in possession of the vehicle, this raises additional procedural and legal concerns. Please consider this a formal request for the above documentation. If the requested information is not provided, these issues will be raised before the Court as part of my Motion to Set Aside the judgment and any additional legal remedies available to

Company response to consumer: Closed with non-monetary relief