vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint against Resurgent Capital Services ( Account # XXXX ). I disputed this debt, and in their response dated XX/XX/year>, they claimed the account is accurate but failed to provide the physical evidence requested, such as the original contract or billing statements from XXXX XXXX XXXX XXXX. Instead, they are asking me to provide documentation to support my claim of inaccuracy. Under the FCRA, the burden of proof lies with the debt collector, not the consumer. Since they have not legally validated the debt with original documentation, it must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Aldous & Associates, PLLC
State: MS

Complaint narrative:
A debt collector sent a text message containing a payment link showing my debt balance to a XXXX XXXX who is not responsible for the debt. This disclosed my personal debt information to a third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cascade Capital, LLC
State: TN

Complaint narrative:
Bankruptcy was filed. Every debt owed was asked to respond to our lawyer. All debts were 100 % paid. Failure to respond forfeited the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: GA

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 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: NC

Complaint narrative:
I vacated my apartment at XXXX XXXX XXXX XXXX, GA, lease XXXX XXXXXXXX ) on XX/XX/year> with a XXXX balance shown in the official resident portal. I was not evicted, left the unit clean ( photos and walkthrough video available ), and returned keys via a signed paper key release form with a leasing agent present that day. My XX/XX/year> hardship email requesting early termination received no response. The landlords XX/XX/year> statement falsely listed my move-out date as XX/XX/year> and charged {$3500.00} for XXXX rent, utilities, and late fees. After I disputed with proof ( portal {$0.00} screenshot, XX/XX/XXXX documents, clean room photos ), the landlord admitted the actual move-out was XX/XX/year> ( internally notated ), reduced the balance to {$2100.00}, but still claims XXXX rent as accelerated. This collection was reported to credit bureaus. It has already been deleted from XXXX after my dispute. The remaining balance is inaccurate and unverifiable because : I surrendered possession XX/XX/year> with XXXX balance at the time. No timely itemized statement was provided after vacate ( violates Georgia XXXX XXXX XXXXXXXX ). No damages or cleaning fees were charged. No proof of vacancy or re-rental efforts for XXXX has been provided. No extension or holdover agreement exists ( lease fixed-term to XX/XX/year> ). The debt collector continued collection activity and reporting after receiving the landlords own admission of the date error and reduction. This is inaccurate reporting ( FCRA ) and attempts to collect a debt not owed or in the wrong amount ( FDCPA ). What I want resolved : Immediate deletion of the remaining {$2100.00} collection from all credit reports. Written confirmation from the furnisher and collector that the debt is invalid and will not be re-reported. Investigation into the inaccurate reporting and continued collection after the landlords admission. Attachments I will upload : Managers email admitting XX/XX/XXXX move-out and reducing balance Portal {$0.00} balance screenshot Original XX/XX/year> statement ( wrong date/full amount ) Room photos ( clean condition ) My XX/XX/year> hardship email Lease excerpts ( term dates, rent provisions )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: AR

Complaint narrative:
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 ) XXXX, 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 : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bilt Technologies, Inc.
State: NH

Complaint narrative:
b'On 02/27/2026 I opened an account for BILT Blue credit card (Bilt Payments LLC XXXX XXXX XXXX Bilt Mortgages LLC XXXX XXXX XXXX), because in the description they claimed that I can use their card to pay rent without applicable for credit cards fees through dummy routing and checking accounts which supposed to be available right after the account was set up. I waited for hours, the whole day these numbers in my account did not show up and none of my inquiries were responded to. Neither web chat or text messages or even hotline XXXX XXXX XXXX XXXX were responded to, the hotline system could not locate my account through the ref. number #XXXX, which the only information I have to identify my account. Then the next day I tried to close my account through their app. I provided all required info (confirmed that I am willing to forfeit my status, declined benefits, and picked the available option as a reason to close account (they do not have the actual "routing and checking account information wasn\'t available" reason, so I picked not able to use benefits.) and pressed the button "Close my Bilt Rewards account". And then the error message pops up stating that I need to try again later or contact customer service. And even today I still have not received any response from customer service, even though I tried to contact them over 15 times either by text messages or through their online chat virtual assitant.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery- refuse this to send transaction history. The amount that they purchased the debt for and my original agreement with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/year>, I was approved for an installment loan with Oportun. The loan was approved on XX/XX/XXXX, and according to Oportun, the funds were disbursed on XX/XX/year>. Part of the loan was used to pay off the remaining balance of a previous loan, and I was supposed to receive an additional {$750.00} in new funds. I never received the {$750.00} in my XXXX XXXX XXXX account. I contacted my bank directly and confirmed that there is no record of any incoming deposit or XXXX transfer from Oportun on or around XX/XX/year>. The bank also confirmed that there were no rejected or returned transactions. Oportun has stated in response to my first complaint that their internal department shows the disbursement was completed on XX/XX/XXXX and that there is no evidence of a returned or failed transaction. They advised me to verify directly with my bank. However, my bank confirms that no deposit was ever received and no transaction attempt appears in their system. I have contacted Oportun at least XXXX times seeking resolution. I filed multiple complaints : XXXX ( first complaint ), XXXX ( second complaint ), and XXXX ( third complaint ). The first XXXX, XXXX, assisted in creating the first complaint. The second XXXX, XXXX XXXX, created the second complaint but only advised me to wait without providing a resolution. The third XXXX, XXXX, stated that my XX/XX/XXXX bank statement showed a blank date and implied this was an issue. I explained, and my bank confirmed, that blank dates simply indicate no transactions occurred. The bank can not add transactions that do not exist. Despite my repeated disputes and providing my bank statements as requested, Oportun has already charged me the first installment payment, and the second installment is due soon. The company has refused to provide an XXXX XXXX number or XXXX XXXX XXXX XXXX. I am formally disputing this loan because I never received the funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: NE

Complaint narrative:
Loan was purchased by CrossCountry Mortgage. They withdrew funds from my bank acct without any prior communication or providing me with simple things like my loan number. Without it, I can not create an online account to view my loan information & payment through their portal. I've spoken with 3+ associates and all claim they do not have the ability to provide that information and their phones do not allow them to transfer me to anyone who can assist. They've been very unprofessional, rude, and the lack of transparency and operational business model for providing simple customer service is extremely concerning. I don't understand how a mortgage company can purchase my loan & withdraw funds without any sort of communication then be unwilling to provide any basic information about my loan with them after the fact when I call. I'm extremely concerned about the implications to my finances if this company continues to withdraw funds without any provided communication & loan information to me as the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
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 30 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 non-monetary relief
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Previously, I filed a CFPB complaint ( COMPLAINT ID XXXX ) because my updated autopay bank information was not properly saved in the banks online portal. As a result, a payment was routed to an old bank account and returned for insufficient funds. After review, the bank reversed the returned payment fee. However, although the returned payment fee was removed, interest charges that accrued as a direct result of that returned payment have not been adjusted. Those interest charges would not have occurred had the autopay update been properly processed. I have contacted customer service three separate times to request a review of the interest charges, and each time I was informed that no adjustment could be made. Because the returned payment event itself has already been reversed, I am requesting that the bank also remove any residual interest that accrued solely due to that event and restore my account to the position it would have been in had the autopay information been processed correctly. Additionally, during part of this billing period I was traveling internationally and was unable to access the mobile app to monitor the account. While I understand security measures may apply, this further limited my ability to promptly address the issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-04 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: GA

Complaint narrative:
Request for Debt Validation To Whom It May Concern, I am submitting this complaint regarding a debt that has been reported under my name and that I formally dispute. I am requesting full validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have not been provided sufficient documentation to verify that this debt is accurate, that the amount claimed is correct, or that the reporting party has the legal authority to collect on this account. Specifically, I am requesting : 1. The name and address of the original creditor 2. A copy of the original signed agreement or contract 3. A complete payment history, including how the current balance was calculated 4. Documentation showing the reporting partys legal right to collect this debt 5. Proof that the debt is within the statute of limitations Until proper validation is provided, I request that all collection activity cease and that this account not be reported to any credit reporting agencies. If it has already been reported, I request that it be marked as disputed immediately. I also request that your agency investigate this matter and require the reporting party to provide proper documentation or remove the account from my credit report. Thank you for your attention to this matter. I expect a written response regarding the outcome of this investigation. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
CFPB Follow-Up Statement ( Refund Request + Retaliation Concern ) Re : Follow-up to CFPB Complaint Case # XXXX I am submitting this statement as a follow-up to my prior complaint regarding unauthorized transactions totaling {$360.00} from XXXX XXXX. I respectfully dispute SoFi Banks response. The bank stated that the merchant confirmed the transactions and that device/IP information matched my account history. However, I have not been provided with any supporting documentation or evidence showing that I personally authorized these transactions. Under Regulation E of the Electronic Fund Transfer Act, the financial institution bears the burden of proving that a disputed electronic fund transfer was authorized by the consumer. A merchants statement alone should not be considered sufficient proof without supporting documentation. I am requesting that SoFi provide the following documentation that was relied upon to deny my claim : Device authentication records or device ID data used in their investigation IP address logs associated with the disputed transactions Any authorization records or agreements showing that I approved recurring charges from XXXXXXXX XXXX The complete investigative file used to determine the transactions were authorized Additionally, I am concerned about the timing of the closure of my account. According to SoFis letter, my account was restricted and later closed in XX/XX/year> after I exercised my rights to dispute transactions and file complaints. The timing raises concerns that the account closur e may have been retaliatory in nature. I respectfully request that the CFPB review whether SoFi conducted a reasonable investigation under Regulation E and whether the subsequent closure of my account was appropriate. If SoFi can not produce documentation clearly demonstrating that the transactions were authorized, I am requesting that the {$360.00} be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I got a call on Credit Acceptance. The car kept breaking down so I told him that I would have to turn in the car because I couldnt keep affording to fix it now theyre telling me they sold the car for {$2700.00} and I owe them {$12000.00} left on the car, but the car was worth way more than 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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Validation of Debt Request - CREDIT COLLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 30 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: FL

Complaint narrative:
Subject : Formal Dispute and Demand for Validation BOUNCE AI INC Re : Account Number XXXX To Whom It May Concern : I am in receipt of your communication regarding the above-referenced alleged credit card debt. I dispute this debt in its entirety. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.55 et seq. ), I request full validation of this debt. Please provide : 1. The name and address of the original creditor. 2. The original account number. 3. A complete itemization of the alleged balance, including principal, interest, and fees. 4. A copy of the original signed agreement or application. 5. The charge-off date and date of last payment. 6. A complete chain of title, including a copy of the bill of sale and assignment showing that Bounce AI INC legally owns this specific account. 7. Proof that your company is authorized to collect debts in Florida. Until you provide the requested documentation, you must cease all collection activity. All future communication must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My Credit Card is with Capital One. I make my payments monthly on their website. I processed a payment for {$100.00} on XXXX to be made from my bank account. My bank account showed it was sent to Capital One. Capital One for some reason does not show it being sent. I have called 4 times now to Capital One and they seem to not want to help. I was instructed to send a letter from my bank indicating it was sent. I did and after following up with phone calls they still do not want to help. I want to file a civil suit against them but was instructed to go through your group first. This started back in XXXX and I was given a case number in writing from Capital One. it is XXXX. I just followed up again a few days ago and they were supposed to call me back and that never happened. I have spoken to 4 people at Capital One on 4 different occasions concerning this problem and they still do not want to help.. The last 2 were supposed to be supervisors and neither of them helped and like I said I was supposed to get a follow up call from them yesterday XXXX which I did not. Please advise if you can help or do I need to file a law suit. Thank you

Company response to consumer: Closed with explanation