vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Blackburne & Sons Realty Capital Corporation
State: CT

Complaint narrative:
Blackburn and Sons was hired because my credit was damaged as a result of repeated identity theft that damaged my credit. Blackburn and Sons was made aware and contacted because email hacking and other identity theft crimes were committed against me after a burglary. I inquired about a house loan and also funding for new technologies. Blackburn and Sons either orchestrated a false claim against me for leverage and extortion or ignored identity theft committed against me and tried to shake me down for $ $ with it. Blackburn and Sons needs to call up the places they falsely accused me at such as my attorney and tell them at a minimum that XXXX was a victim of identity theft. I believe that in primarily lending with the funds of the elderly and in having tried to shake me down for $ $ for processing fees and other fees with a loan they never intended to do from the start that the company was acting in bad faith and nefariously from the start. {$50000.00} to minimize damage caused by this waste of time and bad faith

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: COLLECTECH DIVERSIFIED, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, COLLECTECH XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that XXXX XXXX XXXX, XXXX, COLLECTECH XXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am formally disputing a debt collection account reported by MIDLAND CREDIT MANAGEMENT ( Account # XXXX ). I do not recognize this debt and demand full validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Debt Validation Request : I request complete proof of this debt, including : 1.The original creditor and account number. 2.The original amount owed and any fees or interest added. 3.Proof that Midland Credit Management has the legal right to collect this debt. 4. Any contracts or agreements showing I am responsible for this debt. If Midland Credit Management can not provide valid verification, this account must be immediately removed from my credit report, and any continued reporting of this debt without verification is a violation of federal law. I have a new mailing address. Midland Credit Management is prohibited from contacting my previous address. All communication must be sent to my updated contact information below.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I get harassed everyday of the week, from these companies. XXXX calls XXXX a day On XX/XX/XXXX they called 8 times On XX/XX/XXXX they called XXXX times On XX/XX/XXXX they called XXXX times On XX/XX/XXXX they called XXXX times And the list goes on

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
I recently reviewed my credit report and discovered these collection accounts listed as XXXX - XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, JEFFERSON CAPITAL LL XXXX - xxxxxx XXXX, CONSUMER PORTFOLIO XXXX - xxxxxxx XXXX, XX/XX/XXXXXXXX XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under XXXX XXXX. XXXX ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under XXXX XXXX. XXXX ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that these accounts have the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: NC

Complaint narrative:
Company Name : Chime Financial , Inc. Issue : Fraudulent Dispute / Unauthorized Claim Abuse / Funds Reversal What happened : I am filing this complaint regarding a fraudulent dispute filed against a payment I received for entry into my private game room business. The individual willingly and knowingly sent me money through Chime as payment for entry. After payment was made, the individual physically entered my game room and received the service ( access/entry ). After receiving entry, the individual then filed a dispute claiming the transaction was unauthorized. This claim is false. The payment was voluntary, intentional, and completed in exchange for services that were fully provided. This is a clear case of friendly fraud, where a person pays for a service and then attempts to reverse the payment after receiving the benefit. I contacted Chime support to resolve this matter and attempted to explain that the transaction was authorized and tied to a completed service. However, Chime has failed to properly investigate the situation or provide me with a fair opportunity to submit my evidence, and appears to be allowing misuse of the dispute system. This creates a serious issue where individuals can exploit Chime to gain access to paid services and then reclaim their money dishonestly, leaving business owners without protection. What you want : I am requesting that Chime : Conduct a full and fair investigation into this dispute Allow me to submit all supporting evidence, including communication and proof that the individual entered my game room after payment Reverse the fraudulent claim and restore my funds immediately Provide a written explanation detailing how this dispute was evaluated and why it was approved despite being an authorized transaction I also request that Chime review and improve its policies to prevent abuse of its platform, as this situation demonstrates a lack of protection for individuals receiving legitimate payments for services. Transaction Date : [ XX/XX/XXXX ] Amount : $ [ XXXX ] XXXX XXXX : Chime ( peer-to-peer transfer )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Pawn loan
Issue: Can't contact lender or servicer — 
Company: Klarna AB
State: AZ

Complaint narrative:
I purchased merchandise from XXXX using Klarna and returned the item in-store on XX/XX/year>. I reported the return through Klarna, and Klarna acknowledged the return and paused my installment payments. Since that time, Klarna has been waiting for the merchant, XXXX, to confirm the return. However, the merchant has not responded or completed the return confirmation process. I have made efforts to resolve the issue, but the merchant remains unresponsive. I have provided proof of return, and the merchandise is no longer in my possession. Despite this, the transaction remains open and unresolved. I am requesting that Klarna complete the dispute process and issue a full refund, as I should not be responsible for payments on returned merchandise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year> there were XXXX unauthorized wire transfer from my checking account. They also approved funds mover from my checking plus account to my checking account. I have never used the checking plus account or did a wire order, I did not receive any notification from the bank as they approved and sent XXXX unauthorized wires for a total of {$37000.00}. I believe these were sent to fraudulent accounts. The bank so far is stalling and saying I was responsible. The bank generally will call and email me with any unusual activity and they did not in this case.

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 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD bank sent me a new credit card on Monday XXXX XXXX. When I attempted to activate it said call customer service. I contacted customer service since TD removed my online access on XX/XX/year> and they stated that the card was closed by TD on XX/XX/XXXX. I questioned why did I receive a cardXX/XX/XXXX days after TD closed my account by the way without notifying me and she said opps a mistake on our end. How do you send a card out to a customer if the account was closed XXXX weeks prior. I asked what my balance is and she stated a credit balance of $ 400+ and I would receive a check which has not arrived yet. For the third time I requested to cease all communication to me since I can not sign in to do it myself and for the third time I was told I would not longer receive anything from TD. However, this morning I received XXXX more emails from TD requiring credit score. ENOUGH!!!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year>, I sent a written Debt Validation Request, Arbitration Election, and Cease & Desist ( mailonly ) notice to XXXX XXXX XXXX ( also known as XXXX XXXX XXXX / MCM ) regarding an alleged Citibank account ending in XXXX. I requested proof of ownership, chain of title, the original agreement, itemized accounting, and documentation showing how the reported balance of {$1100.00} was calculated. On XX/XX/year>, their law firm sent a response that did not provide proper validation. The Bill of Sale did not identify my account, Exhibit A was blank, the Citi Notice of Sale was generic, and the Citi statement did not prove ownership or liability. No contract, no itemized accounting, and no chain of title were provided. Despite my dispute, XXXX continued collection activity and continued reporting this account to the credit bureaus. The balance they report does not match Citibanks records. They also ignored my arbitration election and my Cease & Desist notice. I believe XXXX and their law firm failed to validate the debt, misrepresented the amount, continued collection during a dispute, and reported inaccurate information. I am requesting CFPB review and deletion of this account unless full lawful validation is provided.

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 2026-03-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: FL

Complaint narrative:
On XX/XX/year>, I sent formal, written disputes via certified mail to the debt collection agency regarding an alleged debt. In these letters, I explicitly requested a full validation of the debt, including a complete chain of title ( assignment ) from the original creditor to the current owner. My request was made to verify the legal standing of the collector to demand payment and to ensure the accuracy of the debt amount and ownership. Despite sending these requests through certified mail ( Receipts attached ), the company has failed to provide the legally required documentation proving they have the right to collect this debt. Under the FDCPA, a collector must provide verification of a debt upon a timely written request. Failure to provide a chain of assignment leaves the ownership of this account in question.

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 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Seller admitted failure to deliver service. PayPal denied refund despite evidence, '' I paid for a service using PayPal Goods and Services, which qualifies for Buyer Protection. The seller later admitted in writing within the PayPal case that they were unable to provide the service and instructed that I be refunded, stating : I wasn't able to provide service please refund. Despite this clear admission, no refund was ever issued. PayPal closed the case in the sellers favor, incorrectly stating that the transaction was processed correctly, without addressing the fact that the service was never delivered. Additionally, PayPal charged the seller a dispute fee, even though the seller acknowledged fault and agreed that a refund should be issued. I am requesting that PayPal reopen and correct this case, issue a full refund of {$24.00}, and review their handling of this dispute, as it contradicts their Buyer Protection policy for services not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-29 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: MD

Complaint narrative:
On XX/XX/year>, I sent a written Debt Validation Request, Arbitration Election, and Cease & Desist ( mailonly ) notice to Midland Credit Management ( also known as Midland Funding LLC / MCM ) regarding an alleged XXXX account ending in XXXX. I requested proof of ownership, chain of title, the original agreement, itemized accounting, and documentation showing how the reported balance of {$1100.00} was calculated. On XX/XX/year>, their law firm sent a response that did not provide proper validation. The Bill of Sale did not identify my account, Exhibit A was blank, the Citi Notice of Sale was generic, and the XXXX statement did not prove ownership or liability. No contract, no itemized accounting, and no chain of title were provided. Despite my dispute, Midland continued collection activity and continued reporting this account to the credit bureaus. The balance they report does not match XXXX records. They also ignored my arbitration election and my Cease & Desist notice. I believe Midland and their law firm failed to validate the debt, misrepresented the amount, continued collection during a dispute, and reported inaccurate information. I am requesting CFPB review and deletion of this account unless full lawful validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-29 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as : MIDLAND CREDIT XXXX - XXXX, MIDLAND CREDIT XXXX - XXXX, XXXX - XXXX, XXXX - XXXX, XXXX XXXX - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that MIDLAND CREDIT XXXX, XXXX, XXXX, XXXX XXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
am filing a complaint regarding a recent and unexplained credit limit reduction on my Chase credit card account. On XX/XX/year>, I made a substantial payment of {$6000.00} toward my balance in good faith to reduce my debt and improve my credit utilization. Prior to this payment, my balance was over {$7000.00}. After the payment, my balance decreased significantly. However, despite this responsible action, my available credit remains extremely low, and my credit limit appears to have been reduced to {$1600.00}. As a result, my credit utilization remains high, which is negatively impacting my credit profile. I contacted Chase on XX/XX/XXXX and again on XX/XX/XXXX to understand why my account had not updated properly. I was told it would update, but no clear explanation was provided. When I followed up again, I was told that a letter had been sent on XX/XX/XXXX, but I have not received any meaningful explanation for this adverse action. I have been a customer with Chase for over XXXX years and have demonstrated responsible repayment behavior. It is concerning that after making a large payment, my credit access was reduced in a way that appears punitive and harmful to my credit standing. I am requesting : XXXX. A full explanation of the reason for the credit limit reduction XXXX. A review and reconsideration of my credit limit XXXX. Correction of any reporting or actions that negatively impacted my credit unfairly This situation has caused unnecessary financial harm and distress, and I am seeking a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing a complaint regarding an unresolved Venmo account issue that has persisted for over XXXX years. The issue originated when another user sent me {$250.00} by mistake. I immediately returned the full amount to that user. After receiving the returned funds, that same user filed a chargeback with their credit card company. As a result, Venmo reversed the original transaction but did not account for the return payment I had already made, creating an incorrect negative balance on my account. Despite multiple attempts to resolve this with Venmo support, I have only received automated or non-substantive responses. No meaningful review of the transaction history or documentation I provided has occurred. More concerning, Venmo has continued to enforce this disputed balance by withholding funds sent to me by others. Most recently, {$200.00} sent by a family member for personal support was applied to this alleged overdue balance. At this point, Venmo has effectively recovered the same funds multiple times : XXXX. The original sender recovered funds via chargeback XXXX. I returned the full amount directly to the sender XXXX. Venmo has continued to collect against me by seizing incoming funds This constitutes a duplicate recovery of funds and an unfair account action. I am sharing court documents that show the individual who did this has a history of using Venmo for illegal actions. Shes currently in a lawsuit with the federal government for wire fraud using Venmo platform.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-29 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as OPRTUNXXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that OPRTUNXXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-29 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: WELLS FARGO & COMPANY
State: TX

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 i've referenced are not 100 % 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.

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