vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 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: CO

Complaint narrative:
I am requesting validation of an alleged account associated with Midland Credit Management, as I have serious concerns regarding the accuracy, ownership, and proper verification of this debt. After reviewing my records, I have not been provided with sufficient documentation to confirm that this account legitimately belongs to me. Specifically, I have not received a signed agreement, complete account statements, or a full payment history that clearly establishes the origin of this debt or explains how the current balance was calculated. What is particularly concerning is the presence of multiple accounts associated with Midland Credit Management, which raises the possibility of duplicate reporting, improper account splitting, or resale of the same debt across different account numbers. Without proper documentation, I can not determine whether these represent separate obligations or repeated reporting of the same debt. Additionally, as a debt buyer, Midland Credit Management must be able to demonstrate a clear chain of ownership. However, I have not received documentation showing proof of assignment, transfer records, or any evidence establishing XXXX legal right to collect or report this debt. These inconsistencies raise concerns that the account may be inaccurately reported, improperly attributed, or potentially the result of a data breach or mixed file issue, where my personal information may have been associated with accounts that do not belong to me. Under 15 U.S.C. 1692g ( b ), I am formally requesting full validation of this debt. Furthermore, under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a thorough and good-faith investigation when a dispute is raised, and under 15 U.S.C. 1681e ( b ), only accurate and verifiable information should be reported. The continued reporting of this account without proper documentation raises concerns about compliance with these requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I, the customer, closed an account with JPMCB Chase XXXX XX/XX/year> for the sum of {$14000.00} for a XXXX balanced which was confirm by branch XXXX and call on account services at the local branch, later charged interest and late fees. Credit Score dropped a lot. Sent another check {$380.00} to cover fees, for a refund of {$99.00} which is over due 30 days plus. They want me to to sign an agreement for the refund which forfeits any disputes I may have. Still showing revolving credit amount $ XXXX and XXXX XXXX of {$1700.00} which both should be {$0.00} upon closing the account. XXXX XXXX can do nothing, said it was the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My husband and I were scheduled to travel on an XXXX flight scheduled to depart from XXXX, XXXX to XXXX, XXXX on XX/XX/year>. The flight was cancelled and then rescheduled for XXXX XXXX later on XX/XX/year>. The cancellation resulted in missing a flight to the XXXX and caused a stay overnight in XXXX, and in addition paying for other flights on XXXX XXXX on XX/XX/year>. The resulting losses were : XXXX XXXX flight XXXX XXXXXXXX XXXX luggage XXXX XXXX XXXX XXXX XXXX XXXX XXXX lost day XXXX XXXX I submitted documents for claim XXXX XXXXXXXX on XX/XX/year>, and I also submitted documents for claim XXXX XXXXXXXX on XX/XX/year> to Chase XXXX XXXX XXXX I confirmed with the representative that all of the paperwork was complete for these claims. Both of these claims were supposed to be resolved in a period of no longer than XXXX business days per the guidelines. This has been dragged out for a considerable time period, and this letter is a demand for a written timeline for resolution ( e.g., payment within XXXX days, and at the very least I am entitled to a detailed explanation in writing about any further delay. We have not received anything other than " It will be XXXX to XXXX business days '' for an adjuster to look at the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I am filing a complaint regarding Wells Fargos handling of my fraud claim. Reference number : XXXX On my account ending in XXXX, I reported transactions totaling {$1200.00} that I do not recognize and did not authorize. Wells Fargo initially issued a provisional credit, but later denied my claim, stating that the card was in my possession and that the shipping address matched my address. However, I did not authorize these transactions and I believe the investigation was not conducted properly. I contacted Wells Fargo by phone and visited a branch in person, but they refused to reopen the claim or provide a satisfactory explanation. I am requesting a full reinvestigation of these transactions and a detailed explanation of the evidence used to deny my claim. I also request that no funds be withdrawn from my account while this complaint is under review. This situation is causing me financial hardship, and I am seeking a fair resolution.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: IA

Complaint narrative:
On the XXXX I recieve over {$300.00} and on the XXXX I get over {$600.00}. Last day of the month I called to check my balance with Direct Ex press. They said fraud and fro, e my account. For the last 10 days I've been calling them sitting on gold over XXXX hours. When I get a hold of someone they said fraud so I asked what happened then they said I needed to send in a copy of my ID. My purse was stolen a long time ago and I never bothered to get my ID, SS Card replaced. I do n't drive or go anywhere so I figured it didn't need to be done right then. Now Im on the verge of eviction, in a couple days electricity will be shut off. I am hungry Im a XXXX and have to be careful what I eat or I'll be in the hospital again. I am wearing dirty clothes and just want to cry. I don't have my birth certificate it's a lot of money I don't have. I've went out to the social security office where they updated my address and phone number and said Direct Express should release the freeze the next day. Im at my wits end. This is not the way that elderly and XXXX Americans have to fight or go without because someone hangs up on you from Direct Express after you ask for a XXXX. I am desperately seeking some help getting my XXXX benefits. Tha k you very kindly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
I ask that all negative reporting to all credit bureau stop and this debt be removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a complaint against Bank of America regarding unauthorized transactions and failure to properly resolve my fraud claim. In XX/XX/year>, while traveling from XXXX XXXX XXXX XXXX, I lost my personal belongings, including my credit card. I immediately called Bank of America and reported the card as lost. I was assured that the card was blocked and no further transactions would be possible. However, despite the card being reported and blocked, multiple unauthorized transactions occurred afterward, including large charges on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and later. These charges were not made by me. Additionally, my credit limit was {$1000.00}, yet transactions exceeded this limit and my balance reached approximately {$2000.00}. This should not have been possible if proper controls were in place. I contacted Bank of America multiple times. Initially, I was told that the fraudulent charges would be removed within two days. At one point, the charges were temporarily removed, but then they were added back to my account without proper explanation. Since then, I have been repeatedly redirected between departments and have been unable to get a resolution. The bank has failed to : - properly investigate the fraud, - honor their initial commitment to remove the charges, - provide clear explanations, - and protect my account after it was reported as compromised. As a result, I am being held responsible for charges I did not authorize. I am requesting : - immediate removal of all unauthorized charges, - correction of my account balance, - confirmation that my credit history will not be negatively affected, - and a full explanation of how these transactions were allowed after the card was reported and blocked. This situation has caused significant stress and financial harm, and I am requesting urgent intervention.

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 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I received an email From Venmo to add a business account to my personal account in XX/XX/year>. I was not able to complete this according to their rules. They froze my personal account with funds in it and have not given my a business account. I have not been able to regain access to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
This complaint supplements CFPB XXXX XXXX. XXXX and reflects new information and servicer conduct occurring after my original filing on XX/XX/year>. The servicer, Onity Mortgage Corporation, issued a denial dated XX/XX/year> stating that there were no extenuating circumstances and attributing the denial to investor ( XXXX XXXX ) review. This is incorrect. At the time of my original complaint, the denial letter had not yet been made available to me. Although dated XX/XX/year>, it was not posted to my account portal until XX/XX/year> XXXX day after my CFPB complaint was submitted. As a result, my original complaint could not include the denial, appeal, or supporting exhibits. Following receipt of the denial, I submitted a formal written appeal on XX/XX/year> with supporting documentation. Documented medical hardship was disclosed to the servicer on XX/XX/year>, including my XXXX XXXX XXXX, and was subsequently confirmed in a written hardship affidavit and medical records and on other proceeding phone calls. The denial finding directly contradicts the documented case file. Additionally, XXXX XXXX informed me on XX/XX/year> that there was no record of this application being submitted to XXXX XXXX for review, raising concerns that the denial may have been generated without actual investor evaluation despite stating otherwise. Since that time, additional concerning conduct has occurred : The servicer has stated that foreclosure may be initiated during the pendency of a timely appeal The servicer has restricted payment access and escalated minimum payment requirements, preventing reasonable efforts to bring the account current The servicer has stated that the appeal review is not considered an active mortgage assistance ( loss mitigation ) review The servicer has required submission of a new mortgage assistance application while the appeal and Notice of Error remain under review I respectfully request that the CFPB review : The denials inaccurate statement that no extenuating circumstances existed Whether the application was actually submitted to XXXX XXXX prior to denial The delayed posting of the denial letter after my CFPB filing The servicers handling of the appeal process and payment restrictions The risk of foreclosure during an active appeal The requirement to submit a duplicative application These materials have been submitted directly to the servicer and to XXXX XXXX for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: FL

Complaint narrative:
Dispute Summary : XXXX XXXX : [ XXXX XXXX XXXX ] Transaction Amount : $ XXXX Status : Initial Dispute Denied ; 1. Nature of the Complaint : The core of this dispute is a breach of the Warranty of Habitability. Upon arrival at the contracted villa in XXXX, the property was found to be in an uninhabitable condition, failing to meet basic health, safety, and service standards advertised at the time of booking. The odor of a chemic al was so strong and irritating to our eyes and throats we had to stay outside the unit. 2. Key Evidence & Merchant AdmissionCondition Upon Arrival : The property was unfit for occupancy an extremely strong and irritating odor and fabric surfaces wet to the touch, a safety concern ). Merchant Acknowledgment : The merchant has explicitly admitted in writing that the property was not ready or fit for occupancy at the time of check-in, and told us to come back in 2 days when the unit airs out after we complained. Failure to Provide Service : Because the " service '' ( a habitable dwelling ) was never rendered, the charge represents a billing error for services not received. We arrived, checked in, and immediately booked another property from outside the unit. With the chemical irritation we experienced we did not think it was safe. First ever experience of this type for us. 3. History of Resolution Attempts Initial Dispute : Filed with American Express on the grounds of " Services Not as Described/Not Received. '' Unsafe property, not offered another solution or property. Amex Response : The initial claim was denied since XXXX XXXX XXXX said we acknowledged a no cancellation policy even though we deemed it unsafe and said we should have advised them in the beginning of an allergy. WE DIDN'T HAVE AN ALLERGY AND WE'VE NEVBER EXPERIENCED THIS TYPE OF ISSUE SO HOW DO WE ADVISE THEM? The chemical, if it was a cleaning substance, was either over applied or not properly diluted, making it potentially hazardous. Rebuttal : I am contesting the denial because a merchant 's internal cancellation policy can not supersede the fundamental legal requirement to provide a habitable environment. A policy is void when the merchant fails to provide the basic underlying service. They could have provided any picture of any chemical they wanted to AMEX. Why would we arrive and immediately checkout? 4. Requested Action : I am requesting a formal review of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Portfolio Recovery Associates, LLC
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 30 days of initial contact. The accounts Ive 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, then you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I paid off my car over XXXX years ago, totaling around {$26000.00}. However, I didn't realize the title wasn't in my name. This year, I've been contacting the company weekly for the past XXXX months. I keep requesting them to remove the lien on my vehicle, but they keep sending letters saying the loan is fully satisfied. I've explained to them that I spoke with my local XXXX and the Florida XXXX and XXXX Department, who told me the company needs to contact their third party to transfer the title into my name. I've sent emails and made calls, but to this day, there is no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
This is the Cash App card. I never used the account, but they said I committed multiple account violations. Someone else did this not me and I am being scammed by the company. I have never done anything wrong with them. Additionally, another woman 's name was showing up on my profile, which I don't understand. So I contacted them and they have not responded back yet. But no illegal activity by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my Experian , XXXX XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2026-04-13 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: KY

Complaint narrative:
Subject : Billing Error Item Not Received {$900.00} Dispute Improperly Denied Complaint : I am filing a complaint against American Express regarding a billing dispute that has been repeatedly denied despite clear evidence. On XX/XX/XXXX, I made a purchase from XXXX totaling approximately {$900.00}. The order was shipped via XXXX. The tracking information showed the package as delivered, however, I never received the item. I immediately reported the issue to both XXXX and XXXX. While XXXX continued to rely solely on the delivery scan, XXXX opened an investigation into the shipment. After completing their investigation, XXXX determined that the package was lost and not delivered to me. I provided American Express with all relevant documentation, including : Confirmation of non-receipt XXXX case number and investigation details Evidence that XXXX determined the package was lost Records of my attempts to resolve the issue with the merchant Additionally, the purchase was split between two different credit cards. The other financial institution involved reviewed the same evidence and resolved the dispute in my favor, acknowledging that the item was not received. Despite receiving the same information, American Express has denied my dispute multiple times without properly addressing the key fact that the shipping XXXX confirmed the package was lost. A delivery scan alone does not constitute proof of actual delivery, especially when the XXXX itself has determined the package was lost. Under the Fair Credit Billing Act, this situation qualifies as a billing error for merchandise not received. I am requesting that American Express : 1. Reopen and properly investigate this dispute 2. Provide a clear and detailed explanation for the repeated denials 3. Reverse the charge of {$900.00} I have acted in good faith throughout this process and should not be held financially responsible for merchandise that I never received.

Company response to consumer: Closed with explanation