vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of a credit inquiry made by your company that appears on my consumer credit report. This inquiry was not authorized by me and is the result of identity theft and theft by deception. I am a documented victim of identity theft. Enclosed with this correspondence is a police report filed with the XXXX XXXX Police Department ( XXXX # XXXX ), which establishes criminal misuse of my personal and financial information. This letter constitutes formal notice under the Fair Credit Reporting Act ( FCRA ). 

FRAUDULENT CREDIT INQUIRY DETAILS XXXX XX/XX/year> Equifax LEGAL BASIS FOR DELETION Under FCRA 604 ( 15 U.S.C. 1681b ), a company may access a consumers credit report only if it has a valid permissible purpose. I did not apply for credit, authorize access, or conduct business with your company.

Further, under FCRA 605B ( 15 U.S.C. 1681c-2 ), consumer reporting agencies and furnishers are required to block and delete information resulting from identity theft once a valid identity theft report is provided. 

Because this inquiry was made without my authorization and is connected to identity theft, it lacks permissible purpose and is unlawfully reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing a complaint regarding my credit card issuers improper handling and closure of a dispute involving defective medical ( dental ) services. 

I disputed charges for dental services performed overseas in XX/XX/year> due to immediate failure of the work, medical harm, and the need for extensive corrective treatment by independent providers. The dental services were completed with final placement on XX/XX/year>. Within days, restorations failed under normal conditions, requiring emergency corrective care and ongoing treatment in New York. 

The merchant submitted documentation showing that work was performed ; however, the services were materially defective and failed shortly after completion. I was entitled to rebut the merchants submission with independent medical evidence. 

I was recently informed by the dispute center that my case was closed because the rebuttal time window had passed. I was never notified that a rebuttal window was open, that documentation had been submitted by the merchant, or that a response deadline existed. As a result, I was denied a fair opportunity to submit additional material evidence, including independent dental evaluations, proof of corrective treatment, and documentation of ongoing failures.

This dispute involves defective medical services, not dissatisfaction with a purchase. The bank treated this as a standard merchant dispute and closed it administratively without ensuring proper notice, procedural fairness, or adequate consideration of the medical nature of the claim. 

Additionally, material evidence continued to arise after the initial dispute, including further restoration failure in XX/XX/year> and XXXX XXXX XXXX in New York. This evidence was never reviewed due to the premature closure of the dispute. 

I am requesting that the CFPB require the bank to : XXXX Provide documentation showing when and how I was notified of the rebuttal deadline XXXX Reconsider or reopen the dispute under defective or not-as-described services guidelines XXXX Conduct a supervisory review that accounts for the medical nature of the dispute and newly available evidence The banks failure to notify me and denial of the opportunity to respond caused financial harm and prevented fair resolution of a legitimate XXXX XXXX dispute. I am seeking appropriate corrective action and review. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on your consumer report recently. 
i am stressed out because this company is violating my rights Under 15 U.S.C. XXXX XXXX ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
" This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
Beyond Finance Debt Resolution Program Enrolled XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX I enrolled in a debt resolution program with Beyond Finance in XX/XX/XXXX for four credit card accounts totaling approximately {$16000.00}, structured as a 36-month payment plan. Beyond Finance instructed me to cease all direct communication with creditors and to rely on them to manage negotiations, monitor account status, and notify me of material developments.

One of the enrolled accounts was with XXXXXXXX XXXX XXXX. Beyond Finance did not inform me that negotiations with XXXX were unsuccessful or non-responsive, nor that no resolution was achievable under the original program assumptions. I was also not notified that litigation risk was escalating. 

On XX/XX/XXXX, XXXX filed a debt claim lawsuit against me in XXXX XXXX XXXX XXXX. I discovered the lawsuit independently. When I contacted Beyond Finance on XX/XX/XXXX, the initial representative I spoke with was not aware that a lawsuit had been filed. I received follow-up contact only after I uploaded documents I received in the mail from lawyers referencing the case. 

During subsequent communications, I was told that XXXX was unwilling to negotiate and had sought full payment, and that Beyond Finance does not notify clients of failed negotiations or litigation risk unless a settlement is reached. I was also informed that Beyond Finances last contact with XXXX occurred shortly before the lawsuit was filed. 

Beyond Finances original program projections assumed a partial settlement of the XXXX account. When those projections became invalid and no actionable response or resolution was obtained, I was not notified of the change. As a result, the projected resolution amount increased by approximately {$2800.00} beyond the original estimates used to structure my program.

After litigation had already been filed, Beyond Finance presented a proposed settlement offer. However, this occurred only after I independently discovered the lawsuit and raised concerns about the lack of disclosure.

I relied on Beyond Finances instructions and representations and was deprived of the opportunity to take timely action to protect myself from legal action. I have since submitted a written dispute requesting documentation of communications, explanation of disclosure practices, support for the original projections, confirmation regarding fees, and a corrected itemization of program terms. As of this filing, no such information has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I used my XXXX XXXX XXXX to pay USD XXXX to XXXX XXXX XXXX / Fanatics via XXXX on XX/XX/year> for XXXX clothing items ( pants, warmup pants, jacket and XXXX mesh t-shirts, all size L ). 
After some delivery issues with XXXX, a sealed package eventually arrived at my address. When I opened it, there was only XXXX mesh t-shirt inside. The other XXXX items were missing from the box. 
I have : The original order confirmation/invoice showing XXXX items and the total amount. 
Photos of the shipping label and the opened box with only XXXX shirt and empty space. 
A full uncut video of me opening the sealed package, clearly showing that only XXXX item is inside. 
I filed a dispute with PayPal ( case XXXX XXXX XXXX Significantly Not As Described / partial delivery because I received only XXXX out of XXXX items.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 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: CT

Complaint narrative:
I am writing in response to your letter dated XX/XX/2025 in which you are attempting to collect an alleged debt of {$13000.00} related to XXXX XXXX XXXX XXXXXXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( 8 ), I dispute the validity of this debt in its entirety and request that you provide me with full validation of the same.

Please provide the following information : 1. Proof that I am responsible for the debt : Documents demonstrating that I owe this debt.

2. Details of the debt : A detailed explanation of the amount owed, including a breakdown of all charges and payments applied.

3. Name and address of the original creditor : If this debt has been sold or transferred, I need to know the name and address of the original creditor.

4. Proof of your authority to collect this debt : Documents showing that your agency has the legal authority to collect this debt on behalf of the original creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I worked for XXXXXX/XX/XXXXand was expecting my funds to be transfered into my XX/XX/XXXXaccount no later than XX/XX/year>. I contacted XXXXXX/XX/XXXX and the gave the transaction number of XXXX that initiated on the XXXXXX/XX/XXXX end. XX/XX/XXXX chat function is a beta site and asks for you to refresh the chat each time you enter a sentence. If you call the national number none of the prompt allows you to talk to a real person and it tell you to use the chat option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It is unacceptable for Chase to display third-party commercial advertising within a clients private online banking portal. Both a XXXX XXXX  advertisement and a XXXX XXXX  advertisement have individually appeared at the top of my checking account page, above transactions and below account totals, ensuring visibility each time the account is accessed. This XXXX XXXX is visibile today, XX/XX/year> and has been present on rotation for over a year. This ad is not part of a credit card rewards portal, nor does it promote a Chase financial product ; it redirects to a third-party website. Chase 's business model is to profit from deposits, investments, lending, and fees. For Chase to monetizing clients attention while they review personal financial information is unethical and inappropriate. I have reported this within the online feedback portion of Chase 's website on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Back on XX/XX/XXXX, I have screen shots, I signed up for a Capital One Savor card through XXXX XXXX  The offer was for {$200.00} cashback along with a {$100.00} and 0 % APR for 12 months. Well today I look at my credit card transactions and I see I was charged interest {$13.00} and my interest rate is now 28 %. Ive been using this card as my main card for the last few months spending over {$1000.00} for the bonus and cash back, thinking I'm safe from the interest and through false advertising, apparently I have the wrong card. I spoke with Capital One and they said I was approved for a different card, and there was nothing that indicated this. Absolutely nothing. I've never had such blatant false advertising before even from much smaller, less credible credit card companies. Absolutely ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-01 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: TX

Complaint narrative:
LVNV Funding is reporting a {$7200.00} collection that does not belong to me. They have failed to provide any proof of obligation or chain of custody. This account is damaging my VA home loan eligibility. I am requesting immediate deletion and documentation of their verification procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Credit Central Holdings, LLC
State: SC

Complaint narrative:
On the XXXX of XX/XX/year> they told a family member the amount of debt owed and when it was taken out without my permission and then allowing them to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Did not receive car title
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
My name is XXXX XXXX. I was sold a stolen car from CarMart XXXX. I found this out when I tried to register the vehicle in XXXX. Arkansas State police blocked the title because of a active stolen report from XXXX Tennessee. 
The DMV, Ar State Police, and myself reported this to CarMart. Carmart denied my rights to a refund. They demanded I continue installment payments. The Manager and employees only worked to wash the title and have stolen removed and retitle the vehicle. The Manager XXXX signed Repo orders the day he successfully washed the title XX/XX/year>. Please investigate. The XXXX DMV wants to help me and knows the whole story and scam CarMart is doing. 
When I demanded a refund and threatened a lawsuit, Carmart committed felonies with Malice intent to stop me. Please investigate. I am notifying every Agency that can offer me help. I need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: NV

Complaint narrative:
I am a victim of a data breach and identity theft which all my personal information has been exposed without my consent or knowledge.The following account does not belong to me. Cease the reporting of this account immediately. SYNERGETIC COMMUNICATION INC. ( Original Creditor : XXXX  ( Account Number : XXXX ). 

This account was fraudulently opened and reported without my authorization. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ) 605B, I am demanding the following : 1. Cease all collection activity immediately, including phone calls, mail, and third-party reporting.

2. Remove and delete this account from any credit reporting agencies ( XXXX and XXXX  ) within four ( 4 ) business days as required when notified of an identity theft or fraudulent account.

3. Provide written confirmation that your company has ceased all collection and removed any credit bureau reporting.

4. Provide copies of any signed applications, contracts, or documentation proving I authorized this account. Failure to provide this documentation will be taken as confirmation that the account is invalid and must be deleted.

( Please see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: AL

Complaint narrative:
My mortgage payment continues to increase each year since the loan was sold to ServiceMac. They say that the increase is for escrow. My insurance hasnt increased nor has my property taxes. We have have went from paying {$850.00} to {$1000.00}, which is ridiculous for a {$130000.00} loan.

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 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally notify you that certain accounts being reported under my name are the result of identity theft and do not belong to me. I have reviewed my credit file and identified accounts containing incorrect and fraudulent information.

I have reported this matter as identity theft, and I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 / 605B ) to request the blocking, removal, and deletion of all information resulting from identity theft.

I did not authorize, open, or benefit from the accounts being reported inaccurately. Any reporting of these accounts is therefore false, misleading, and unverifiable. 

I am requesting that you : XXXX. Conduct a full investigation into the disputed accounts XXXX. Immediately block or remove all information related to identity theft XXXX. Cease reporting these accounts to any consumer reporting agency XXXX. Provide written confirmation once the accounts have been deleted If you are unable to provide documentation proving that I personally opened or authorized these accountsincluding a signed contract, application, or verification of identitythen the information must be removed as required by federal law. 

Enclosed with this letter are copies of my identification and proof of address to assist with your investigation. I am keeping copies of all correspondence for my records. 

Please note that continued reporting of fraudulent information after notice of identity theft may constitute willful non-compliance with the Fair Credit Reporting Act. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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