vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was a victim of fraud on my account and I couldnt cover the fees associated with the dispute case which I lost and they took money out of my reserve line of credit that caused me to go in the negative and overdraft and I could recover U.S. Bank close my account without even consulted with me, but in XXXX they solicit me to open this account for a week. I have attached documents from XXXX XXXX, showing that I was a victim of fraud. I filed an investigation and I lost an investigation

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 2026-04-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
XXXX XXXX said this was not eviction so it should not show up on my credit reporting its false and I was not told that this was eviction prior XXXX Im Just now finding out about this credit collection and amount owed XX/XX/XXXX Finding out it went to debt collections First report I made was wrong it was not part of my identity theft case Im resubmitting it correct Reported to my credit without my knowledge and I was told this was not eviction in XXXX when I was asked to move on a month to month lease so it should be showing up on my credit this way false report advertising And no date was DOCUMENTED THAT IT WOULD BE TURNT OVER TO COLLECTIONS IN SO MANY DAYS ITS BLANK National credit systems has purchases this debt for Debt collection company trying to gain monetary gain by buying and selling information and trying to gain money off my hardship and it needs to be removed from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I am responding to Santander Consumer USAs prior response and continue to formally dispute the validity and balance of this account. Santander claims that the vehicle was sold at auction on XX/XX/year>, and that a deficiency notice was mailed on XX/XX/year>. However, the documentation provided does not constitute sufficient proof of either proper notice or the validity of the alleged remaining balance. First, the only evidence provided regarding the mailing of the deficiency notice indicates it was sent via First Class Mail, with no tracking number, delivery confirmation, or proof of receipt. This does not verify that the notice was actually delivered, nor does it establish compliance with legal notice requirements. Second, Santander has failed to provide any documentation supporting the alleged auction sale. While a sale date is referenced, no supporting evidence has been provided, including : The actual auction sale price of the vehicle The name or location of the auction An auction invoice, bill of sale, or proof of transaction Any documentation demonstrating that the sale was conducted in a commercially reasonable manner Third, Santander has not provided a complete and itemized deficiency balance calculation. There is no clear breakdown showing how the remaining balance was determined, including how sale proceeds were applied or what fees were added. Additionally, I have paid a total of {$27000.00} toward this account, which is nearly the full amount financed. Despite this, Santander continues to report a substantial balance without sufficient validation or documentation. Without proper proof of the sale, a complete deficiency calculation, and verifiable notice, this alleged balance remains unverified and disputed. Therefore, I am requesting the following : 1. Full documentation of the auction sale, including sale price and supporting records 2. A complete, itemized deficiency balance calculation 3. Proof of mailing and delivery of all required notices 4. Immediate cessation of collection activity until this debt is fully validated If Santander is unable to provide this documentation and demonstrate full compliance with applicable laws, I request that the remaining balance be reduced to {$0.00} and that this account be deleted from all credit reporting agencies. This account remains in formal dispute pending proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NJ

Complaint narrative:
On XXXX XXXX I called chime to report unauthorized access into my account and the only thing the representative told me was to change my email address because the person could access my XXXX account he helped me change my email. Then on XXXX XXXX I recalled chime because the person was still accessing my account my phone and address was changed on my account.this representative asked what type of XXXX I have and I told him then he explained to me that the device access my account was a XXXX XXXX XXXX XXXX and he was blocking the ip address and changed my password again. But I was never notified about the deposit for {$2200.00} on XXXX XXXX I noticed chime about my funds being used without my permission and the guy did two different disputes but the one for a transfer to a master card kept getting declined with in XXXX hours it happened 3 times so far I sent a email from chime acknowledging I reported the unauthorized access into my account and still got denied when I asked what are they base their decision on I was told transaction history and when I was sent a email with their evidence was a bank statement from XXXX XXXX until XXXX XXXX and I told them that I reported on XXXX XXXX was access my account.Everytime I call in to find out why it was denied and say the evidence I submitted I get told oh u need to do this now and I do it still get denied. I called on XXXX XXXX to find how can they go on bank statements what I said in my dispute and my evidence and each time I questioned a supervisor they hung up on me because I asked how can they only go by that when in their system I reported about unauthorized access into my account two different times and what the outcome was the last supervisor told me oh I am telling what u need to do is go and report identity theft on this website and I try to explain to him I report it years ago and when I file taxes I need a pin to do so and he was like no u have to do it again on this website and let us know for we can reopen your dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: VA

Complaint narrative:
This random number told me to contact cause this person was trying to scam me of my money. Then realized they took my money without my permission. They wont give it back. Put it in bitcoin.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Foreclosure
Company: 21ST MORTGAGE CORP.
State: CO

Complaint narrative:
forbearance due to hardship not a repayment plan i am XXXX with XXXX income right now due to medical/job loss/etc/ i am only 3 months behind XXXX total i am requesting a 6 -month forbearance with the sale postponed i will apply for assistance in 6-months. Please send me the hardship packet by email now. loan number is XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
This account was charged-off, sold to a third party, and later settled. Despite this, Barclays continues to report a full history of late payments and delinquency. Under the Fair Credit Reporting Act ( FCRA 611 and 623 ), all reported information must be accurate and fully verifiable. Barclays no longer owns this account and therefore can not legally verify each reported monthly delinquency or payment history. The continued reporting of detailed late payments after the account was sold and settled is misleading, incomplete, and inaccurate. I am requesting that this account be deleted in full due to the inability to properly verify the reported information.

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 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This collection account contains inaccurate, incomplete, and unverified information. I previously disputed this item with the credit bureaus and/or the furnisher, but the information continues to be reported without proper validation. Under 15 U.S.C. 1681i, the credit bureaus must conduct a reasonable investigation and delete any information that can not be verified. Under 15 U.S.C. 1681s2 ( a ), furnishers are prohibited from reporting information they know or should know is inaccurate. Under 15 U.S.C. 1692g ( b ), a debt collector must cease collection and provide validation upon request. The furnisher has not provided proper validation, yet continues to report this account, which is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: SC

Complaint narrative:
Company Information Company Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Dates of Transactions / Events- Initial financial assistance application : XX/XX/XXXX Subsequent reapplication ( s ) : [ XX/XX/XXXX ] Most recent contact with hospital regarding application : [ XX/XX/XXXX ] Disputed Amount- Approximately {$8900.00} in medical charges currently under review for financial assistance eligibility. Explanation of Complaint- I am submitting this complaint regarding my attempts to obtain financial assistance for a medical bill through the XXXX XXXX XXXXXXXX offered by XXXX XXXX XXXX After learning that XXXX XXXX updated its financial assistance policy, I reapplied so my eligibility could be evaluated under the current guidelines. My application was accepted for review, and I was contacted by hospital staff who requested additional documentation, including my most recent pay stubs. I promptly provided the requested information. After approximately two weeks of review, I received a phone call informing me that my application would be closed out. However, I was not provided with a clear explanation referencing the current financial assistance policy, nor was I provided with a formal written denial letter explaining the basis for the decision. Shortly after this informal denial, I discovered that the bill had been sent to collections while my financial assistance application had been under review and without a formal written determination being provided. Because XXXX XXXX operates as a nonprofit hospital, it is required to maintain and follow a Financial Assistance Policy under Internal Revenue Code Section 501 ( r ) of the Affordable Care Act. I am requesting confirmation that my application was evaluated in accordance with those requirements and that a written determination be provided. Despite multiple attempts to have my eligibility evaluated under the updated policy and to obtain documentation explaining the decision, I have only received verbal responses and have not received a written determination explaining the outcome of my application. Individuals Contacted at the XXXX XXXX XXXX representatives Dates Contacted- Multiple contacts between [ XX/XX/XXXX ] and [ XX/XX/XXXX ]. Response Received from Company- I was informed by phone that my application would not be considered and could not be approved, but no written denial letter or detailed explanation referencing the applicable financial assistance policy was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: McCarthy, Burgess & Wolff, Inc.
State: MO

Complaint narrative:
Kept calling me repeatedly, I make my payments, no reason to call but they keep calling to get me to pay more which actually I am way ahead of where Id be if I never got sent to collections. They want me to pay more than XXXX a month when my original loan was less than XXXX. Ive seen a lot of bad things ally this collection agency and I dont like it. I dont want to be wasting money on a company that has had fraud in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Someone fraudulently use my account to open up account also to get credit cards fraudulently making it impossible for me to do the things I need to do with my credit profile according to laws 15 USC $ 1681C-2 also 605B the reporting agency FCRA direct consumers to delete or Block this information within four days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
LVNV keeps calling. They alleged bought debt from an alleged origanl debtor. I have no business or debt with LVNV. They alleged bought my debt from XXXX XXXX XXXX XXXX. Under the Fair Credit Act. Banks arent around aloud to sell my personal information without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have an American Express credit card account that was previously reported as a negative item on my XXXX credit report. I disputed this item, and the dispute was approved and the item was successfully removed from my report, which resulted in my credit score being restored. However, the item has since reappeared on my XXXX credit report without my knowledge or prior notification,. The account has been fully paid off. I am kindly requesting that this item be permanently removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: IN

Complaint narrative:
Date opened XX/XX/XXXX Status XXXX account. {$360.00} past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$360.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$360.00} Highest balance On record until XX/XX/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 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Climb Credit Inc.
State: IN

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX XXXX XXXXnanced by Climb Credit. Account # XXXX for {$4600.00} is now with collection agency XXXX XXXX. XXXX materially breached the contract. The instruction was insufficient for me to understand core Manual QA concepts. I could only submit the online exam using outside resources due to inadequate teaching. I notified XXXX during the program and multiple times after that I did not understand the material and requested retraining. XXXX failed to respond and refused retraining, offering only premature interview coaching instead of teaching. Because XXXX failed to provide the competent, instructor-led training, there was a complete failure of consideration. I received no value. Under the FTC XXXX XXXX XXXX XXXX. XXXX, Climb Credit and XXXX XXXX are subject to all claims and defenses I have against XXXX. The debt is void. Despite this, Climb Credit charged off the account and XXXX XXXX is now collecting {$4600.00} and reporting it to credit bureaus, damaging my credit and my co-signers credit. They are attempting to collect a debt not owed. I have mailed debt validation letters to XXXX, Climb Credit, and XXXX XXXX via Certified Mail on XX/XX/year>. I want : ( XXXX ) Account # XXXX closed with {$0.00} balance, ( XXXX ) All negative credit reporting deleted from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Solar Mosaic LLC
State: TX

Complaint narrative:
I am responding to the companys reply, which focuses solely on its prior bankruptcy and claim deadline. My complaint is NOT about filing a bankruptcy claim. My complaint is about ongoing consumer harm related to an active loan that the company ( or its successor/administrator ) continues to enforce and collect. Key points that remain unresolved : 1. The solar contractor associated with this loan is no longer in business and failed to deliver the promised financial benefits. 2. I was misled regarding system performance and savings. My combined loan and utility costs are higher than before installation. 3. I am unable to transfer the loan, which is preventing me from selling my home unless I pay off the full balance. 4. The company continues to enforce and collect on this loan, yet refuses to provide any meaningful resolution. The companys bankruptcy does not eliminate my rights under the FTC Holder Rule, which allows me to assert claims and defenses against the lender based on the contractors actions. I am requesting that the company address the substance of my complaint, including : Loan transfer options Settlement or reduced payoff Other reasonable resolution A generic bankruptcy response does not resolve the ongoing financial harm I am experiencing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: NJ

Complaint narrative:
I sent a written debt validation request to Midland Credit Management on or around XX/XX/year>, and I have proof that it was delivered on XX/XX/year>. In my request, I asked for proper validation of the alleged debt, including the original contract, account statements, and proof that I am legally responsible for the account. Midland Credit Management failed to provide any validation or documentation in response to my request. Despite this, they proceeded to report and attempt to collect the account. I have made a good faith effort to resolve this directly with the company, but they have not responded or validated the debt. This is inaccurate and harmful to my credit. I am requesting that this account be deleted from my credit report due to failure to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: LA

Complaint narrative:
Subject : Supplemental Information Fraud and Hardship Complaint To Whom It May Concern, I am writing to provide additional information regarding my complaint involving loans obtained under fraudulent circumstances. My name is and I am a senior citizen living on limited Social Security income. I was the victim of a cryptocurrency investment scam involving a platform known as XXXX. I was misled into believing I was earning legitimate profits and was pressured into depositing increasing amounts of money. After experiencing what were described as forced liquidation events, I was urged to obtain additional funds, including taking out high-interest loans, with the assurance that losses would be recovered. These representations were false. The activity was part of a coordinated fraud scheme, and once my funds were depleted, communication ceased. As a result, I took out loans, including : Upstart ( Account : XXXX, approximately {$7100.00} at a high interest rate ) XXXX ( Account : XXXX ) These loans were obtained under coercion and fraudulent circumstances and have caused severe financial hardship. I have taken the following actions : Filed a complaint with the Federal Trade Commission ( FTC ) Submitted a report to the FBI XXXX XXXX XXXX XXXX ( XXXX ) Notified the lenders directly and requested hardship relief and fraud review Placed fraud alerts and secured my accounts I am requesting that this complaint be reviewed with consideration for : Fraud-related loan origination circumstances Financial hardship due to limited fixed income Potential elder financial exploitation I respectfully ask that the lenders be required to : Conduct a thorough fraud review Consider hardship accommodations or settlement options Pause collections activity and negative credit reporting during investigation I am continuing to gather supporting documentation, including messages, transaction records, and trading activity. Thank you for your attention to this

Company response to consumer: Closed with explanation