vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I acquired an American Express XXXX XXXX with an annual fee of {$890.00} in XXXX of XXXX. It was a card that was recommended to me via the American Express app with an XXXX points reward if XXXX USD is spent within the first 6 months. 

I was approved on XX/XX/year>XXXX  and started charging to it in the middle of XXXX. I was intending on using my XXXX XXXX  as my main travel and expenses card during the holiday season. 

On XX/XX/year> despite the account not owing a balance and the annual fee being charged, all my Amex accounts were suspended as part of a Financial Review initiated by the company. No explanation was given as to what triggered the review. Despite me providing all the required documentation to comply with the review, the suspension was not lifted until after XX/XX/year>, and a new limit was placed on my XXXX and XXXX cards. 

When I asked for the welcome offer for the XXXX  card to be extended from XXXX to the end of XXXX to account for the loss of spending on the holidays ( the reason I got the card in the first place ), the Amex representative indicated that I still had plenty of time between now and XXXX to spend another XXXX dollars. This suggestion seems highly inappropriate as it implies that I engage in unaccounted for spending just to chase the welcome offer. 

While I understand the need to secure customer profiles and that financial reviews may be a necessary step in achieving that, I find American Express ' treatment neglectful and punitive for no reason. I would never have opened this XXXX account if I had known the inflexibility and callousness with which the company would treat me. 

I think it's entirely fair for me to expect and demand that the window to hit the rewards milestone on my XXXX XXXX be extended by two months to balance the loss of the primary spending season, especially when I voluntarily provided pay stubs and information above and beyond the financial review requirements, and ultimately the review found no faults and resulted in a reactivation of my accounts conveniently after my spending was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Subject : URGENT : Systemic FCRA/FDCPA Violations & Willful Deceptive Practices I am filing this formal complaint against Midland Credit Management , Inc. for a pattern of willful non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. 

Violation 1 : Fraudulent Misrepresentation of Creditor Identity ( 15 U.S.C. 1681s-2 ) The furnisher is willfully reporting false data by listing themselves as the " Original Creditor '' on my credit file ( see attached evidence ). This is a factually false statement. Midland Credit Management , Inc. is a third-party debt buyer. I never executed a contract with this entity. By masquerading as the originator, the furnisher is corrupting the data lineage and misleading scoring models to treat this junk debt as a primary financial obligation. This is a deceptive trade practice under the FDCPA intended to confuse the consumer and the credit bureaus.

Violation 2 : Predatory " Re-Aging '' of Debt ( 15 U.S.C. 1681c ) The furnisher has manipulated the " Date Opened '' field to show a recent date. This debt originates from a legacy account that is years old. Resetting the clock is a predatory tactic known as " Re-Aging, '' designed to bypass the 7-year reporting statute of limitations and inflict fresh, malicious damage on my creditworthiness. This is a direct violation of the FCRA 's obsolescence standards.

Regulatory Demand : This is not a clerical error ; it is a systemic failure of the furnisher 's compliance protocols. The furnisher is knowingly verifying false information to maintain leverage. I demand this compromised trade line be deleted immediately with prejudice. Furthermore, I request the CFPB flag this entity for a data integrity audit regarding their portfolio-wide reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I paid for an item through PayPal that I never received. The seller provided tracking information showing the item as delivered, but I did not receive the package. After contacting XXXX directly and visiting my local post office, XXXX confirmed verbally that the tracking number provided corresponds to a different package, weighing approximately XXXX ounces, and is not associated with my name or address. 

The item purchased could not physically fit in a residential mailbox, and XXXX XXXX XXXX shows no record of delivery to my address on or around the reported date. XXXX has also confirmed that no service request or investigation can be submitted for this tracking number due to time limitations, meaning the delivery scan can not be substantiated or independently verified by the XXXX. 

Despite this, PayPal closed my Item Not Received dispute twice in the sellers favor, relying solely on the existence of a delivered scan without requiring verifiable, address-specific proof of delivery. As a result, PayPal restricted my account and imposed a negative balance arising from a transaction that was never fulfilled. I believe PayPal failed to follow its XXXX XXXX standards by relying on unverifiable tracking information and by not conducting a reasonable investigation before restricting my account and holding me financially responsible. FTC complaint filed as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am filing a complaint against Bank of America regarding an unjust interest fee of {$44.00} charged on my credit card ( ending in XXXX ) due XX/XX/year>. 
I have Bank of America set up for automatic payments to pay the " Statement Balance '' in full on the due date. Despite having sufficient funds and the autopay scheduled, Bank of America failed to apply the auto-pay appropriately, resulting in an unjustified interest charge of {$44.00} on the subsequent statement. 
I contacted customer service on XX/XX/year> to request a refund of this interest fee. The request was denied. The representative stated that their automated system does not consistently display the scheduled payment amount/date on the autopay page, nor does it send notifications ( email/text ) to customers confirming when autopay is scheduled for what date nor amount. 
I believe this is an unfair and deceptive practice. The bank is failing to execute autopay for the full statement balance while simultaneously not providing adequate visibility for customers to review, confirm, and keep a record of these payments.

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 2026-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: MA

Complaint narrative:
I cancelled my membership XXXX with them and paid the last XXXX XXXX  I owed them. I ended up paying twice and called to cancel twice. This should not be in collections

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I received and email from Resurgent Capital Services regarding a debt. Ive mailed them 2 Certified letters last one dated XX/XX/year>. In that letter I requested information and have not received it. But was sent emails that they are threatening to sue me. They did not provide me with proof of ownership and the right to collect on the debt. They continue to communicate with me via email/phone messages after a cease and desist was requested in the Certified letters. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt, how they can collect on the debt and if they can sue. They have not provide me with none of the information just sending me emails after emails and placed inaccurate information on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I am requesting enforcement of my cease and desist rights

under 15 u.s.c 1692c. The debt collector continued contact after Receiving my writt
en cease and desist notice

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, the case number XXXX, today after a I transferred XXXX XXXX my XXXX bank XXXX Chase account, my account got restricted and closed permanently, and shortly after I received a email notification, i use this account as I get direct deposit from rental property in XXXX. I never reported or experienced fraud with chase bank. This account was opened around XX/XX/year> and I asked the banker to give me a premium account because I have intention of depositing high amount of cash, and need a premium bank account for costumer service XXXX, and I deposited a check from state of California sum of XXXX $ on XXXX, XXXX, shortly after I deposited more cash, it can viewed in bank statement XX/XX/year> through XXXX XXXX that more than XXXX XXXX dollar was deposited however was spent in short period of time, the chase costumer care mishandled my account, the bank also gave me a basic chase account which didnt had XXXX costumer care. They also mishandled my dispute claims for service didnt received and or overcharged, I am asking for investigation and appeal the process of closure which chase want to end relation with me. I always want have a friendly relation with banks and dont seek for lawsuits, and need to option me out of arbitration which my money was lost and mishandled. I like to open a account with chase in future and I never wanted to they closed the account. I also attached the physical evidence to this email however I will redact the sensitive information or account number which was closed, I hope with investigation they can find proper resolution. PHYSICAL EVIDENCE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/XXXX of 2025 we received a letter from Care Credit ( XXXX ) stating that there was suspicious activity on our account and to please call the fraud dept. My husband and I called. We were both very concerned! After verifying our identity we were told that a charge of {$5000.00} was made. We were mortified! Knowing that we only had a balance of about {$180.00} on it. We were told at that time " not to worry, that we will not be held responsible for any fraudulent charges ''. he continued to inform us that they would open a case and an 'investigation would be done ''. I had notified through XXXX  app and XXXX XXXX app, them about these fraudulent charges. After a couple of months which is what we were told it could take up too, we still had not formally heard anything. I went on my app and seen they had put the charges back on my account. We called them immediately and was told they would open another investigation and when asked what will that do? We were told " hopefully you'll get a BETTER XXXX '' we were both in shock with that reply but somewhat hopeful that maybe we would and this would finally be taken care of. Well I am writing this to say we were WRONG! I refuse to pay for something I know Neither of us charged. It was an online purchase at an eye place called XXXX. When I looked, I found a place in New York. I don't know know how they could even let an online charge for that amount go through for a card that is used for medical type care. Till this day this company has never formally contacted us to say what there findings were both times. I had to look on my credit reports myself. I feel it is very disrespectful amongst other things that they can not be bothered to at least do the bare minimum and call us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
I am submitting this complaint because I never received any correspondence from either the original creditor ( s ) or the collection agency regarding the alleged debt ( s ).

At no point was I provided with written notice, billing statements, validation notices, or any other communication informing me of the debt, my rights, or an opportunity to dispute or resolve the matter. I only became aware of the alleged debt after it appeared on my consumer credit report. 

The failure to provide proper notice violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to the requirement that consumers receive written notice of a debt and validation information. Without receiving any correspondence, I was denied the opportunity to verify the accuracy of the debt, dispute it, or address it in a timely manner. 

I am requesting that this matter be fully investigated and that the company provide documented proof that proper notice was sent to me, including dates, delivery method, and copies of any alleged correspondence. If such documentation can not be provided, I request that the account be corrected and/or removed 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 explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding Caine & Weiner for reporting inaccurate and unverified collection information on my consumer credit report. 
Caine & Weiner placed a collection account on my credit report on XX/XX/year>, in the amount of {$370.00}. This account is not 100 % accurate, and despite my dispute, the company has failed to provide proper validation of the alleged debt. 
This company is violating my rights under 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of the initial contact.

Until Caine & Weiner provides competent evidence that validates the debt including a signed agreement, full account history, and verification of their authority to collect they must cease all collection efforts. Reporting this account without providing such validation constitutes inaccurate and unlawful reporting under 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), which requires data furnishers to report only accurate and complete information.

The account I have referenced is not fully verified. 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 this information from my credit report. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and require Caine & Weiner to comply with federal law by either providing proper validation or deleting this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: OH

Complaint narrative:
I am writing to report fraudulent activity on my credit profile that I was unaware of until I recently attempted to check my credit. I was notified several charges and accounts opened in my name without my consent. These fraudulent actions have deeply impacted my financial stability a mental well-being. Additionally, I was part of the XXXX  data breach, as well as a more recent breach at XXXX. Despite my efforts to safeguard my information, these breaches have left me vulnerable to identity theft. The stress and anxiety from dealing with these fraudulent accounts have significantly contributed to my XXXX. I am desperate for assistance in rectifying this situation and preventing further harm to my financial future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
On XX/XX/year>, I disputed a collection account with Columbia Debt Recovery via certified mail and requested validation of the alleged debt. I included documentation from the original creditor showing a {$0.00} balance at move-out. 

Columbia Debt Recovery did not provide any validation of the debt to me within 30 days. However, during this period, XXXX updated the account with XXXX  and continues to report a balance of approximately {$4100.00}. 

The reported balance does not match the original creditors records, and no documentation has been provided to support the amount being reported. I am requesting deletion of this account due to failure to validate the debt and continued inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
In XX/XX/XXXX, multiple unauthorized charges appeared on credit card account after wallet theft, including XXXX rides ( {$30.00}, {$9.00}, {$10.00} ), XXXX XXXX fees ( {$5.00} ), XXXX ( {$11.00} ), XXXX XXXX supplies ( multiple ~ $ XXXX {$16.00} ), XXXX XXXX ( ~ {$44.00} ), and DoorDash deliveries ( ~ {$25.00} ), totaling several XXXX dollars. XXXX reported theft promptly to issuer. 

Issuer denied initial fraud claim in late XXXX, determining " no error. '' XXXX requested second review with detailed evidence of non-participation and anomalous patterns. Meanwhile, XX/XX/XXXX and XX/XX/XXXX statements listed unexplained " ACCOUNT ADJUSTMENT '' credits ( {$140.00}, {$84.00}, {$70.00}, {$58.00}, {$50.00}, {$26.00}, {$6.00}, dated XX/XX/XXXX trans, posted XXXX XXXX XXXX netting to {$550.00} " New Activity, '' but interest/fees calculated without post-adjustment recalculation. 

XXXX submitted formal FCBA dispute/appeal ( early XX/XX/XXXX ), confirmed pending review in writing ( " processed in order received, no provisional credit, final notice upon completion '' ). No resolution issued as of XX/XX/XXXX. 

Issuer then displayed collections banner ( " This is an attempt to collect a debt... bankruptcy... pending payment arrangement '' ) and restricted/closed account, without final determination, recalculation, or dispute carve-out. No adverse reporting confirmation, but premature actions violate FCBA 1666 ( no delinquency/collections on disputed amounts during investigation )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Credit is attempting to collect a debt owed. Attempted to find out more as no notification was provided as far my responsibility. Attempted to speak with company representative, and was met with rudeness and lack of response. Insurance was provided at the time of service and no one is willing to review this.

Company response to consumer: Closed with explanation