vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 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: NJ

Complaint narrative:
I am submitting this complaint regarding Midland Credit Management for failing to comply with federal debt collection and credit reporting laws. I sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g concerning a collection account reported on my credit file with a balance of approximately {$230.00}. I recently received a response from the company ; however, it did not include proper validation. The company failed to provide proof of ownership, a complete chain of assignment, or a signed agreement establishing my obligation. Despite failing to properly validate the debt, Midland Credit Management continues to report the account to consumer reporting agencies. Reporting an unverified debt constitutes inaccurate reporting and violates : FDCPA 1692g ( b ) ( continued collection activity without validation ) FDCPA 1692e ( misrepresentation of the legal status of a debt ) FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing information without reasonable accuracy )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
I requested to Honda Financial that they update and report the payments made on my credit. My on time payment history has not been reported since XXXX of XXXX. When I called Honda Financial they advised that they went through a system upgrade and stopped reporting any credit reporting for all consumers. They asked that I submit a formal request which I did and nothing has been done. The balance of my loan still shows the same and has not updated since the origination of the loan. This shows negatively on my debt to income ratio and has negative implications long term.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: OH

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank appears on my credit report as charged off. I contacted Citibank in writing to the address shown on my credit report and received a reply that the account number listed on my letter was illegible or invalid. The account number provided on my letter that was mailed to Citibank was directly from my statement and from my credit report, so it is valid and is clearly legible on the letter. I am providing copies of the letter I mailed to Citibank, a copy of the response I received from Citibank, a screenshot of my credit report and a copy of my last statement from Citibank, all of which have the same account number. At this point I do not know who to contact concerning this account. Citibank says they can't answer my questions without a valid account number, even though the number I provided is correct. I disputed this information with XXXX credit report, and they verified the information on my credit report was accurate. I am also enclosing the dispute information from XXXX. Also, on my XXXX dispute response it shows this address CITIBANK NA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My credit report shows this address Citibank NA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Which is correct?

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 2026-03-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/year>, Citizens Bank initiated an ACH debit of {$1800.00} from my PeoplesBank account for an external transfer to my Citizens Bank account. The funds were successfully debited from my XXXX account. The credit to my Citizens account failed, and Citizens Bank stated that they initiated a return of the funds back to XXXX under claim number XXXX. XXXX has confirmed that they have the XXXX XXXX number and searched their ACH and EFT systems using the trace number, account numbers, name, SSN, and date ranges, and confirmed that they never received the returned funds. Since the return did not settle to XXXX, the {$1800.00} debited on XX/XX/year> must still be held on Citizens Banks side. Citizens Bank has not provided proof that the return settled or identified where the funds are currently being held. I am requesting that Citizens Bank provide proof of settlement for the ACH return or identify the current ledger location of the {$1800.00} and return the funds to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
XX/XX/year> I was contacted by someone claiming XXXX be from the fraud department of the Bank of America about charges from a XXXX in XXXX. That person called again on XXXX XXXX. I became suspicious of the calls and called BofA and was informed that they did not contact me and then they checked my account and stated a request for a XXXX XXXX & Check Cash Advance had been made for XXXX. I stated that was not made by me and I had not authorized any request so a fraud report was made & an investigation would be done. While on the phone with XXXX XXXX a XXXX request came for {$11000.00}. I denied having made that request and they recorded it & said an investigation would made. A letter dated XX/XX/year> received XXXX XXXX XXXX6 stated the BofA research my claim and I being held responsible for the amount of {$8800.00} and XXXX fees charged and needed XXXX start making payments. I called BofA and spoke with the fraud a department on XXXX XXXX XXXX and requested the documents they used XXXX make their decision & requested an additional investigation be done. I have not yet received the supporting documents and the investigation has still not been completed. I have filed an XXXX Police Report, I filed a claim with XXXX XXXX XXXX and filed a XXXX 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 explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am contacting you regarding the alleged debt your company claims I owe. I want to make it absolutely clear that I dispute the validity of this debt and do not authorize any further contact from your company. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer provides written notice to cease communication, you are legally required to stop all contact except to confirm you will no longer be communicating or to inform me of specific legal action. Despite this law, your continued attempts to contact me and report this alleged debt have caused unnecessary stress and inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I personally deposited a government check into checking account and a hold was placed on it without explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLC and their inaccurate reporting of an alleged debt. On or about XX/XX/year>, I reviewed my credit report and identified an account reported by LVNV Funding LLC as a debt buyer account, originally from XXXX XXXXXXXX XXXX. I disputed this account with the credit bureau ( XXXX ), as I did not believe the information was accurate or properly verified. On XX/XX/year>, XXXX completed its investigation and stated that LVNV Funding verified the account as accurate. However, the only changes made were updates to certain account fields, such as the date of major delinquency and historical account information. No supporting documentation was provided to me to validate this debt. At no time has LVNV Funding provided me with any proof that I owe this debt. Specifically, I have not received a signed agreement, a complete payment history, or documentation showing that LVNV Funding has legal ownership of this account. Additionally, there appear to be inconsistencies in the reporting, including the date of first delinquency and continued reporting activity that may be inaccurate or misleading. I have taken steps to request validation of this debt directly from LVNV Funding by sending a written validation request. As of the date of this complaint, I have not received any response or documentation validating this account. By verifying this account with the credit bureau without providing any documentation, LVNV Funding has failed to conduct a reasonable investigation and is reporting information that may be inaccurate, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am requesting that LVNV Funding either provide proper validation of this debt or immediately delete this account from all credit reporting agencies. I also request that any inaccurate or unverifiable information be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: NJ

Complaint narrative:
I am submitting a complaint regarding improper collection activity related to XXXX violations issued by XXXX XXXX. At the time of the alleged violations : I maintained an active XXXX XXXX XXXX account My vehicle and license plate ( XXXX ) were registered to the account A valid transponder was present in the vehicle Due to apparent transponder or gantry read failures, tolls were not properly processed. I was subsequently issued violations that included approximately {$400.00} in administrative fees. I contacted XXXX XXXX to resolve the issue and offered to pay all underlying tolls. However, I was informed that I would not be permitted to pay the tolls unless I also paid the full administrative penalties. These charges were then escalated to a collection law firm despite my active account and attempts to resolve the issue. I dispute the administrative fees, as they appear to result from system error rather than any intentional toll evasion. One violation was assessed a maximum toll, indicating the system failed to record an entry point. Additionally, I have become aware of reports that certain vehicles, including XXXX Wranglers, XXXX experience transponder read issues due to windshield interference, which XXXX have contributed to these failures. I am requesting : XXXX into the validity of these charges Removal of improper administrative fees XXXX or adjustment of collection activity to reflect toll-only charges Thank you for your assistance. Sincerely, 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 2026-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have never received any information regarding this alleged debt. I demand this agency to send me proof that they are legally allowed to collect the alleged debt pursuant to the FDCPA and my state statutes. I demand to be sent a copy of the purchase agreement, forward flow agreement, chain of title, along with a copy of the contract and all the statements. I also demand to be sent proof they gave me notice by providing a copy of the certified green receipt and/or shipping number. Lastly, I demand this company to stop reporting this unverifiable account to my credit reports as I have not been shown proof via the purchase agreement, forward flow agreement, chain of title, etc, of this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Payward Ventures Inc. dba Kraken
State: CO

Complaint narrative:
Complaint : I am unable to access my XXXX account, which I used in XXXX for cryptocurrency transactions. My account was locked for security reasons, and despite multiple attempts to resolve the issue, I still can not access it. XXXX support has repeatedly stated that my account has been unblocked, but I continue to be locked out. I have submitted identity verification documents, including my drivers license, but have not received any meaningful resolution. This is preventing me from accessing my transaction history and tax documents, which I need to file my taxes. I am requesting immediate access to my account or that XXXX provide my full transaction and tax records without further delay.

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 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX, I purchased a patio furniture set for {$270.00} from XXXX using my American Express card. The item arrived damaged. Due to weather conditions, the damage was not fully discovered until assembly was attempted. On XX/XX/XXXX, I contacted XXXX customer service. A supervisor formally approved a return for a full refund and scheduled a carrier pickup for the damaged item. I relied on this merchant-authorized resolution as a final settlement of the issue. On XX/XX/XXXX, XXXX abruptly cancelled the scheduled pickup and rescinded the refund approval, claiming the item was now outside their standard return windowdespite having already granted an exception and authorizing the return the previous day. I contacted American Express to dispute the charge based on " Merchant failure to honor a confirmed resolution '' and " Goods not as described/damaged. '' American Express refused to open an investigation or a dispute, citing that the transaction was older than 60 days. I am filing this complaint because the merchant 's reversal of their own approval occurred after the standard XXXX dispute window had closed. By providing a false approval and then rescinding it, the merchant effectively trapped me with a damaged product and no recourse. American Express has refused to provide a manual review or a " Good Faith '' exception despite documented evidence of the merchant 's rescinded agreement. Desired Resolution : A full statement credit for the purchase price of {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: CHERRY TECHNOLOGIES INC.
State: NV

Complaint narrative:
Cherry technologies has engaged in multiple willful violations of the fair debt collection practices act ( FDCPA ) in connection with a charged-off account. Specifically : 1. Illegal third party contact - between XX/XX/XXXX and XX/XX/XXXX, cherry technologies repeatedly contacted members of my family, including my mother, via phone calls, voicemails, and text messsages regarding my private debt. This occurred on multiple occasions to the extent that my family members contacted me several times to ask about the debt. This a direct violation of FDCPA 805 ( b ), which strictly prohibits debt collectors from communicating with third parties about a consumers debt. 2. Harassment via excessive & inconvenient calls - cherry technologies called me multiple times per day at uncomfortable hours, using different caller IDs and losing g as different callers to disguise their identity and circumvent my ability to identify them. Repeated calls with intent to harass violate FDCPA 806, and misrepresenting caller identity violates FDCPA 807. 3. Failure to address unauthorized data disclosure- when I contacted cherry technologies to address the unauthorized sharing of my personal financial information with third parties, their representatives refused to address the issue and instead demanded payment. This constitutes an unfair, deceptive, and abusive practice in violation of CFPB UDAAP standards. These violations have caused significant stress and damaged my personal family relationships. I am requesting full investigation into cherry technologies collection practices and complete discharge of this debt, along with removal of any negative credit reporting associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: WV

Complaint narrative:
I am a 100 % XXXX combat Veteran under VA Healthcare, and I am being illegally billed by the NATIONAL RECOVERY AGENCY. I have confirmed this is both illegal and that this company, along with XXXX XXXX XXXX, XXXX has a history of alleged illegal billing activities with the Department of Veterans Affairs. This matter has been confirmed as illegal and reported to the Attorney General 's Office of the State of West Virginia. An attorney has been assigned to the case and requested I file this formal complaint. This false reporting to the credit bureaus has been reported to all three multiple times but the debt collectors continue to attempt to collect the false debt from the Veteran. The Veteran had a credit score of over 800 and has now dropped by approximately 50 points in two months, directly tied to this illegal attempt to collect a debt that the Veteran does not owe. This has also caused undue pain and suffering to the XXXX Veteran and his family. The VA XXXX XXXX XXXX XXXX documented several calls with the three organizations involved. The NRA is the primary collector at this point and their representative was very rude to the VA representative on a three way call and the NRA representative even hung up on myself and the VA representative. Key Events : Went to and approved ER at XXXX XXXX XXXX XXXX on XX/XX/XXXX. The VA " approved '' and documented the approval in the VA system prior to the visit, meaning the Veteran has no responsibility for payment or bills and this information was provided to all three of the affiliated organizations. The Veteran was informed that XXXX XXXX XXXX XXXX incorrectly billed initially, was contacted by the VA and the practice still never billed correctly, and instead sent the bill to XXXX XXXX XXXX, XXXX. Additional Facts : - The Veteran went to a XXXX XXXX XXXX. - The VA agreed to pay for the bills and the Veteran had prior approval from the VA. - The ER billed the VA incorrectly. - VA requested the ER RE-BILL them again correctly but the Practice did not re-bill and instead sent to collections. - The ER never re-billed the VA. - The VA has been willing to cooperate but the NRA is not cooperating and continues to illegally bill and harm the Veteran. - Two different collections agencies have been involved : XXXX XXXX XXXX, XXXX, and the National Recovery Agency, after XXXX " sold '' the debt to NRA. Current Debt Collector affecting Veteran 's credit rating : NATIONAL RECOVERY AGENCY XXXX XXXX XXXX, XXXX, PA XXXX Toll Free : XXXX www.NationalRecovery.com Statement Date : XX/XX/XXXX Total Due : {$1400.00} Current Creditor : NATIONAL RECOVERY AGENCY Original Creditor : XXXX XXXX XXXX XXXXXXXX Original Provider : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation