vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/2026, a balance transfer payment of {$1800.00} was issued by XXXX XXXX XXXX XXXX to Goldman Sachs Bank USA for my Apple Card account. Payment details : Amount : {$1800.00} Check serial number : XXXX Check date : XX/XX/2026 Posting date : XX/XX/2026 XXXX XXXX confirmed that the check cleared the banking system and provided the cleared check image and deposit information. The check was made payable to Goldman Sachs Bank USA for my Apple Card account. Despite the check clearing and being deposited through the banking system, the payment has not been applied to my Apple Card account. I contacted Goldman Sachs through Apple Card support multiple times and provided the cleared check image and deposit information. Goldman Sachs informed me that they were unable to locate the payment and closed their investigation. Because the check has already cleared and been deposited, the funds should exist within Goldman Sachs payment processing system. However, the payment has not been credited to my account. I am requesting that Goldman Sachs conduct a full payment trace and locate the deposited funds associated with check serial number XXXX and apply the {$1800.00} payment to my Apple Card account or return the funds to the issuing bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: Ability Recovery Services, LLC
State: FL

Complaint narrative:
The company 's response is deceptive. They claim the account is in a 'cease and desist ' status, yet on XX/XX/year>, they sent me a direct demand for payment ( Letter Attached ). Furthermore, XXXX has already deleted this account as unverifiable. Because the company is providing conflicting information to a federal agency while continuing collection efforts on a disputed debt, I request the CFPB compel the company to delete the tradeline from all credit bureaus immediately.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report and appears to be inaccurate and improperly validated. A collection account from Plaza services in the amount of {$3100.00}, is currently being reported on my credit report. I dispute the validity and accuracy of this alleged debt and the manner in which it is being reported. Under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying the debt, including but not limited to a signed agreement, original account statements, or documentation proving that I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C. 1692c of the FDCPA, debt collectors must follow strict guidelines regarding communication with consumers and may not engage in practices that violate consumer protections established under federal law. Furthermore, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper validation and documentation raises serious concerns about the accuracy and compliance of this reporting. The continued reporting of this account without proper verification is causing harm to my credit profile and may constitute a violation of federal consumer protection laws. Therefore, I am requesting the following : 1. A full investigation of this account and the reporting practices related to it. 2. Complete validation of the alleged debt as required under 15 U.S.C. 1692g. 3. Proof of reasonable procedures used to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). 4. Immediate deletion of the collection account from all consumer reporting agencies if the debt can not be fully verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this debt, I request that the account be removed from my credit reports immediately and that all credit bureaus be notified of the correction. Thank you for your attention to this matter and for ensuring that my consumer rights are protected under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I fully paid off my auto loan in XX/XX/XXXX with TD Auto Finance. However, the lender failed to properly process the lien release and title after the loan was satisfied. When I attempted to sell my vehicle in XX/XX/XXXX, I discovered that the title had not been properly cleared. During my efforts to resolve the issue, I learned that the title had been incorrectly transferred to an unrelated third party dealership, XXXX XXXX. This dealership has no connection to my vehicle purchase or loan. Because the lien was transferred to the wrong party, the title could not be cleared even after the lender later sent me a lien release document. The lien was still associated with another party, which prevented me from completing the sale of the vehicle. I repeatedly contacted the lender to correct this error and requested that they work with the dealership to resolve the improperly transferred lien. However, the lender declined to contact the dealership or take responsibility for resolving the issue. As a result, I had to locate the dealership myself, communicate with them directly, and convince them to issue the lien release documentation. This process required substantial time and effort. Due to these errors, I was unable to complete the sale of my vehicle when intended in XX/XX/XXXX despite having market valuations and dealer offers at that time. The issue was not resolved until XX/XX/XXXX, resulting in approximately an eight-month delay in the sale, and almost 2 years from paying off the loan. I will be attaching documentation showing that the lien release document provided by the TD lists a release date of XX/XX/XXXX, but the signature date on the document is XX/XX/XXXX, more than a year after the loan payoff. However, this document doesn't allow me to sell the car because the lien is under another party at that time. I also attach the lien release document from XXXX XXXX that allows me to finally sell the car, the document was date XX/XX/XXXX. I also attached the payoff quote I had with TD before I paid off the loan, it has all the information about the car and the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
I recently discovered that my credit card account had been charged off in XX/XX/year> and sold to Resurgent Capital Services. I was never notified of the chargeoff, the sale of the debt, or any change in ownership. I did not receive any letters, emails, or formal communication from either the original creditor or Resurgent. The only contact I received was a vague voicemail that disconnected before providing any information. This lack of notice violates both federal requirements and Oregon state law regarding debtsale disclosures and consumer notification. I only learned about the chargeoff and transfer after I proactively contacted the original creditor to provide an update on my situation. I had previously been told that as long as I kept them informedespecially given my wifes ongoing battle with XXXXthey would continue to work with me. Instead, the account was sold without any communication. I am requesting clarification, documentation, and correction regarding the handling of my account and the failure to notify me of the chargeoff and sale.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Father has been deceased since XX/XX/XXXX of XXXX He has a house with a mortgage of {$160000.00} left to pay. His monthly payments are {$850.00} and on XX/XX/XXXX a payment tried to come out of an account ending in XXXX which Im unaware about and dont know what account this is, but he has XXXX income that pays for his mortgage automatically and has been somebody had gone into that account and taken his credit cards and dont know whats going on but his account is now overdue for his mortgage payment and that is his Chase account account number is XXXX. His name is XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX. There was my XXXX siblings that were in the home during this time after his death for the last few months I forwarded his information to my address because Im hiring an attorney to split the assets, but now somebody in my family had gone through his assets. Theyve already stolen money out of his household and his credit cards, which is my sister, and the other sister is not talking to anybody he is deceased and all of his property should be seized until further notice his only banks that I know of our XXXX XXXX which is under his business account XXXX XXXX XXXX Chase bank for mortgage and an account ending in XXXX that the money was coming out of to pay for his mortgage {$850.00} is due monthly and my other sister that I know of has his credit cards and had taken money out of the house and her name is XXXX XXXX and my other sister is XXXX XXXX. Those are the only two in the household Ive been in Texas trying to sort things out and paid for his funeral/Cremation and now hiring an attorney he had no living will this is very upsetting and something unexpected XXXX lives in XXXX, NY XXXX and XXXX lives in XXXX New York. Her number is XXXX. They were the only ones in the household XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX is the address. The house is condemned right now. No one is supposed to be in it and the tenant had moved out from above. I need to find out what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
" In XX/XX/XXXX, Chase closed my business checking account. As a result, Chase also decided to close my personal checking account, which had a balance of approximately {$5000.00}. I was not given a clear reason for why closing one account required closing all accounts in my name. For my business account, Chase mailed a check for the remaining balance of approximately {$8000.00} to the address on file. However, for my personal account, no check was sent. When I initially called Chase, I was told a check would be mailed to the address on file. I called again approximately XXXX months later and was told a different story that I would need to appear in person at a XXXX branch with photo ID to collect my funds. I am a XXXX resident and am not currently in the United States, nor do I have plans to travel there in the near future. Chase has not offered any alternative method to release my funds, such as a wire transfer or international check. I have also been unable to access statements for the closed personal account. It is now XX/XX/XXXX and approximately {$5000.00} of my funds remain inaccessible to me with no clear path to resolution. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: PA

Complaint narrative:
I am submitting this complaint regarding my account with Afterpay. I experienced a temporary hardship and fell behind on payments, but I have since paid the account balance in full. My account currently shows a XXXX $ balance. However, the Afterpay app still displays a message stating that I have " XXXX or more payments overdue, '' which is inaccurate and misleading. I contacted Afterpay customer support approximately XXXX weeks ago to request that the account status be corrected, but the issue has not been resolved. I am requesting that Afterpay update my account records to accurately reflect the balance has been paid in full and remove the overdue status from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON 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 explanation
Consumer complaint received 2026-03-12 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:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report and appears to be inaccurate and improperly validated. A collection account from LVNV funding llc in the amount of {$670.00} is currently being reported on my credit report. I dispute the validity and accuracy of this alleged debt and the manner in which it is being reported. Under XXXX XXXX. XXXX of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying the debt, including but not limited to a signed agreement, original account statements, or documentation proving that I am legally responsible for the alleged obligation. Additionally, under XXXX XXXX. XXXX of the FDCPA, debt collectors must follow strict guidelines regarding communication with consumers and may not engage in practices that violate consumer protections established under federal law. Furthermore, under XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper validation and documentation raises serious concerns about the accuracy and compliance of this reporting. The continued reporting of this account without proper verification is causing harm to my credit profile and may constitute a violation of federal consumer protection laws. Therefore, I am requesting the following : XXXX. A full investigation of this account and the reporting practices related to it. XXXX. Complete validation of the alleged debt as required under XXXX XXXX. XXXX. XXXX. Proof of reasonable procedures used to ensure maximum possible accuracy as required under XXXX XXXX. XXXX ( b ). XXXX. Immediate deletion of the collection account from all consumer reporting agencies if the debt can not be fully verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this debt, I request that the account be removed from my credit reports immediately and that all credit bureaus be notified of the correction. Thank you for your attention to this matter and for ensuring that my consumer rights are protected under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I had XXXX cash app account that I was using a cash app account and fall of last year. I decided to open a second account in which I did. Then I had a settlement that came in in my XXXX account I then transferred it to my newest cashspp account then I decided to use my oldest cash app account as I had something already set up on that account for my purchase. I transferred them found out to my surprise someone had hacked that account and changed over all the information to their personal information and used their email phone number and all pertaining information to receive any funds that might go into that account and use the account for other possible fraud. Cash app after putting in a claim for my missing funds which added up to {$950.00} us dollars.Cash app closed my account for a violation of the account. And then they closed my second account for the same thing. So at this point they are stating nothing and will not even tell me an violation to cuss my accounts to be closed meanwhile I sent over all that money and didn't not reimburse it. Causing me financing issues that have hurt me $ XXXX XXXX cash app account $ XXXX XXXX cash app account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Essential Lending Inc
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding the travel insurance benefits associated with my Chase Sapphire Reserve credit card. On XX/XX/year>, I was scheduled to take a flight from XXXX, XXXX. Due to severe snowfall, XXXX train services were suspended and I had no available transportation to reach the airport. As a result, I was unable to reach the airport and had to stay an additional night and incur additional expenses. Although the flight departed as scheduled, my inability to reach the airport was caused entirely by severe weather and the suspension of public transportation, which was completely outside of my control. I first filed a Trip Cancellation / Interruption claim ( Claim # XXXX ), which was later closed as ineligible. After that, I filed a Trip Delay claim ( Claim # XXXX ). I uploaded all requested documentation, including flight information and refund documentation. However, I continue to receive responses stating that my documentation is incomplete, without clearly identifying which documents are missing. Despite multiple attempts to clarify what documents are required, I have not received a clear explanation. The delay in my travel was caused by severe weather and the suspension of a common carrier ( XXXX train services ), which prevented me from reaching the airport. This situation was completely outside of my control. I respectfully request that Chase review and reconsider this matter and ensure that my claim is processed fairly under the trip delay coverage associated with my credit card benefits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
HARRIS HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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
Consumer complaint received 2026-03-12 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: FL

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing the accuracy of the collection account being reported by Jefferson Capital Systems. I previously disputed this account with the credit reporting agencies, and it is currently marked as account information disputed by consumer. However, Jefferson Capital Systems continues reporting this account without providing proper verification of the debt. I requested documentation including the original signed agreement, a full accounting of the balance, verification of the date of first delinquency, and documentation showing the chain of ownership of the alleged debt. Additionally, the account appears to be inaccurately reported because the collector is listed as the original creditor on my credit report. As a debt buyer, Jefferson Capital Systems would not be the original creditor, and this raises concerns about the accuracy of the information being furnished to the credit bureaus. Under the Fair Credit Reporting Act, information reported to credit bureaus must be accurate and fully verifiable. If Jefferson Capital Systems can not provide documentation verifying the ownership, balance, and proper reporting of this account, I request that the account be immediately deleted from all credit reporting agencies and that all collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/26, Chase withdrew {$470.00} from my account due to a bank error, which caused my account to go negative. This has put me at risk of missing bills

Company response to consumer: Closed with explanation