vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 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: TX

Complaint narrative:
Company : Midland Credit Management , Inc. Product : Debt Collection Issue : Attempts to collect debt not owed / false representation Complaint Narrative I am submitting this complaint regarding Midland Credit Managements attempt to collect on an alleged debt that has previously been disputed and remains unverified. This account originates from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I previously disputed this account with both the furnisher and the credit reporting agencies. In CFPB Case XXXX, XXXX XXXX failed to provide sufficient documentation to validate this debt, including proof of identity verification, account authorization, or lawful method of verification. Despite this, the account appears to have been transferred or sold to Midland Credit Management, which is now attempting to collect on the same unverified debt. Midland has contacted me regarding this account but has not provided any documentation establishing : That the debt is valid That I authorized the account That Midland has lawful ownership and right to collect A complete chain of title from the original creditor This raises serious concerns that Midland is attempting to collect on a debt that has not been properly validated and may be inaccurate or unverifiable. I have formally disputed this account and requested full debt validation. As of this complaint, Midland has not provided the documentation required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). I am not admitting nor denying liability for this account. I am exercising my rights to request proper validation. For clarity, this request is being submitted by me directly and on my own behalf. I am not using any third party, credit repair organization, or representative. This has already been indicated in my CFPB submission. Any attempt to delay, redirect, or avoid responding based on assumptions of third-party involvement is improper. I am simply requesting full and complete debt validation as required under applicable law, and your response should address the documentation requested without delay or diversion. Legal Concerns Midlands actions may constitute violations of : FDCPA ( 15 U.S.C. 1692e ) False or misleading representations FDCPA ( 15 U.S.C. 1692f ) Unfair collection practices FDCPA ( 15 U.S.C. 1692g ) Failure to provide proper validation Attempting to collect or report a debt that has not been properly validated, especially after prior disputes, is improper and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IL

Complaint narrative:
I received a letter from Blitt and Gaines PC stating I owe them. I dont owe them anything, never had credit with the company and I sent a letter to them requesting validation of the debt and that theyre the creditor that I signed credit with. I never heard back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Despite submitting multiple disputes over the past several months, there has been no meaningful progress, correction, or removal of this account. Crucially, I have never received any written documentation, contracts, billing statements, or verifiable evidence confirming that this account belongs to me or that the reported information is accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Avadyne Health Holdings, Inc
State: TX

Complaint narrative:
I filed my taxes through H & R XXXX, and my refund is being routed through their partner bank ( Path ward ), confirmed by the IRS routing number. However, H & R XXXX Financial Services states they can not locate the deposit and has stopped responding to my calls. The IRS confirmed the funds are being sent to H & R XXXX routing number, meaning they are responsible for processing the refund. I am unable to verify where my refund is or when I will receive it. I am requesting immediate investigation and confirmation of the refund status, including the account it is being processed through and when it will be released to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: JPMORGAN CHASE & CO.

Complaint narrative:
Dear Department Head : Hello. My name is XXXX XXXX. I am a Chase Premier client, and my credit score is excellent. My child is also a Chase customer ; his credit history had been consistently excellent right up until the incident occurred in which his credit card was fraudulently used. At XXXX, we received the letters from Chase , notice that my sons credit cards have higher balances move the limit and his check account has been below XXXX. We cant open the mobile bank account, and cant see the statements. XX/XX/XXXX, I went to XXXX Chase branch, asked the staff to printed all the statements.it is the first time, we know about the terrible frauds! They were happened from XX/XX/XXXX, at XX/XX/XXXX, we reported the frauds to Chaseand they cancelled the purchases of XXXXand sent us a new credit card.but out of imagines, the frauds continued with the new cards! and the records were unavailable on the mobile app! At XX/XX/XXXX, the purchases we reported on XX/XX/XXXX as Frauds case, back to the balance, and Chase never told us why the fraud record back to the statement! XXXX.i called Chase, told them about the frauds XX/XX/XXXX called Chase together with my son ( the holder of the credit cards ) XXXXwe called the number XXXX at XXXX ( east time ) the customer service told us about the frauds of XXXX we reported on XX/XX/XXXX were made from XXXX, it is the first time we know about! I asked her why they didnt let us know XXXX year before? that we could do more than now! but she never answered. When we wanted to report more fraud records happened XXXX year before on the same credit card except XXXXthe lady of Chase was very rude and inpatient, like we were the suspect? or just because we are XXXX? we are the victim! like every other person. We want to receive a fair reply about the troubles made from Chase! More than XXXX year, our credit cards never lost, but they have been used by someone we didnt know for so many times and so many fraud purchases, Strange, the fraud records unavailable on the mobile app, and we have not received any statements mailed from Chase in the last half and a year! We havent received a call or a message or a email from Chase during the last half and a year.this gave the frauds opportunities to constantly happen! These made the frauds happened again and again! credit card number XXXX, XXXX Check account : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint against Capital One for the illegal withholding of XXXX deposits totaling {$750.00} with deposits starting XX/XX/XXXX- XX/XX/XXXX. The account was opened but never activated, and subsequently closed by the bank. Despite the account having a {$0.00} balance and being closed, Capital One is refusing to return my security deposits. A supervisor named XXXX explicitly refused a manual refund and quoted an internal XXXX policy which not only doesnt apply to me but it contradicts Federal Regulation Z ( 12 CFR 1026.11 ), which requires the refund of credit balances within XXXX business days of a request. This withholding of my business capital is causing a direct financial hardship on me and my company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing LVNV Funding LLCs collection and credit reporting as inaccurate and not properly validated. LVNV is reporting multiple tradelines/collections on my consumer reports ( including an alleged account tied to XXXX XXXX XXXX XXXX and other alleged accounts ). I dispute the accuracy and completeness of the reporting, including the amount claimed and LVNVs authority to collect/report. I requested that the debt be validated and that LVNV provide competent evidence of ( 1 ) the original contract or account documentation bearing my authorization, ( 2 ) a complete itemization of the amount being claimed ( principal, interest, fees ), and ( 3 ) the complete chain of title/assignment from the original creditor to LVNV/its servicer. LVNV continues to report derogatory information and attempt collection without providing adequate validation. This is causing ongoing harm to my credit profile and ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I applied for a XXXX XXXX credit card through Barclays on XX/XX/year>. A few days later, I received a letter requesting additional documentation to verify my identity. This is not my first time dealing with Barclays verification process. I recently went through a five-month back-and-forth with their documentation team regarding my XXXX XXXX credit card. During that process, I submitted high-quality, color copies of my identification, Social Security card , and utility bill through a professional printing service to ensure clarity and avoid delays. To prevent the same issues from happening again, I took the extra step to obtain professional scans of my documents for this new application. I submitted those documents as requested. On XX/XX/year>, I contacted Barclays to confirm receipt. I was told by the fraud department that my documents had been received, but they were unable to view the images. This is the exact same issue I experienced during the previous five-month verification process. This ongoing problem is extremely concerning. Despite my efforts to provide clear, high-quality documentation, Barclays continues to claim they can not access or view the files. This suggests either a failure in their internal systems or a lack of proper review by their documentation team. Additionally, neither the fraud department nor customer service has been able to resolve the issue or provide a clear path forward. As a result of these delays, I have not received my credit card in time for upcoming travel. I have a flight scheduled next week and expected to have access to the cards benefits, including free checked bags, which was a key reason for applying.

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 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXXXXXX XXXX XXXX XXXX I am submitting this complaint regarding a vehicle purchase and associated financing involving a XXXX XXXX XXXX that I purchased on or about XX/XX/XXXX from XXXXXXXX XXXX XXXX XXXX ( a XXXX dealership ). Shortly after purchase, I began experiencing significant mechanical issues that indicate the vehicle was sold in a defective condition and potentially misrepresented at the time of sale. Key Issues : Undisclosed Mechanical Defects : Within days of purchase, a cracked expansion tank hose was discovered. On or about XX/XX/XXXX, the hose required replacement. Shortly thereafter, on XX/XX/XXXX, the radiator failed, resulting in a major coolant leak. Failure to Conduct Proper Inspection : These issues strongly suggest the vehicle was not properly inspected prior to sale. A pre-existing defect ( hairline crack in the hose ) should have been identified before the vehicle was sold. Missing Required Safety and Compliance Labels : The vehicle is missing federally required door jamb labels, including VIN and safety certification labels. This raises serious concerns about compliance, prior damage, and the legality of the sale. Potential Misrepresentation and Unfair Business Practices : The dealership failed to disclose known or reasonably discoverable defects. I relied on the dealerships representations when entering into the financing agreement. Inadequate Resolution Attempts : The dealership offered only {$400.00} {$650.00} toward repairs, which I declined as it does not come close to covering the actual damages ( approximately {$4100.00} ). Financial Impact : I am currently responsible for financing a vehicle that was defective at the time of sale, resulting in significant out-of-pocket repair costs and diminished value of the vehicle.

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 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I recently ( XX/XX/year> ) followed the steps outlined on the American Express website to submit a name change request. During the process, I was instructed to " upload a state-issued ID, drivers license, or U.S. passport '' ( as specifically stated on the company website ) reflecting my new name. I provided a copy of my current drivers license showing my updated ( married ) last name as requested. After not receiving any updates for a couple of weeks, I contacted customer service to follow up on the status of my request. At that time, I was informed that additional SSN-related documentation would be required in order to proceed. However, I have not been able to locate any official policy on the American Express website that outlines this requirement. During a customer service chat on XX/XX/year>, I requested clarification and documentation supporting this requirement from both the representative, XXXX, and their supervisor, XXXX. I was advised that documented proof of this policy was not available to be provided. Given the sensitive nature of SSN-related information, I am not comfortable submitting such documentation without clear, written confirmation of the policy and its necessity. I respectfully request that you provide a formal reference outlining this requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CA

Complaint narrative:
Credit Card Company has not credited me with the correct amount for claim XXXX for my credit card ending in XXXX. I called them twice last week and they keep telling me the claim is reopened. When I check back, they closed the claim without rightfully crediting my account.

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 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Select Portfolio Servicing, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Borrower had an impound account monthly principal and interest {$2000.00} with SPS charging {$2800.00} impounded, actual home insurance was {$610.00} a year as of XXXX, actual property taxes {$6400.00}, actual property taxes as of XXXX and " actual home insurance is {$610.00} a year as of XXXX, divided by XXXX ( XXXX ) months equals, actual monthly taxes is {$530.00}, actual monthly home insurance is {$50.00}, bringing actual total Principal, Interest, Taxes, and Home Insurance is : {$2000.00} plus actual monthly taxes of {$530.00}, plus actual home insurance {$50.00} for an actual total P.I.T.I. ( principal interest taxes insurance ) is : {$2600.00}. Select Portfolio Servicing is charging as of XXXX {$2800.00} with a monthly difference of {$150.00} dollars with no credit to account, no check sent to the borrower, and SPS servicing is calling it a " PAD '', I call it constructive fraud ( Harm to the borrower ) {$10000.00} dollar fine, a disabled veteran with XXXX and a campaign ribbon holder from the " XXXX XXXX '' from the XXXX XXXX. SPS Servicing has been doing this for the life of the loan since SPS servicing acquired the account and the secondary market investor who holds the paper allowed it without ever auditing the company, my question is how many other borrower 's has SPS Servicing along with the investor been doing this without giving back a credit or a rebate check for the impound account. The Federal Government is being defrauded also in these kinds of mortgage servicing transactions along with the borrowers, the dept. of Real Estate, Consumer Financial Protection Bureau, the Treasury dept., The United States Dept. of Justice, the XXXX Dept. of Justice, along with the investor committing years of Constructive fraud? I am filing a " National Class Action Federal Lawsuit and will the Federal Government, " Piggy-Back '' along with the C.F.P.B., The XXXX Dept . of Justice, The US Treasury Dept., The US Dept. of Justice, The Federal Trade Commission, F.D.I.C., the Attorney General Office, and the F.B.I. Every time I called SPS Servicing, I was not given the operator name, personal Count one ( 1 ) CONSTRUCTIVE FRAUD Count two ( 2 ) Actual Fraud Misleading Borrower, Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ), Under the Consumer Financial Protection Act of XXXX ( XXXX ), Inflation of impound accounts, Failure to disclose, Overestimating cost Intentionally overstating tax and insurance increases, demanding higher monthly payments along with the investor ( XXXX XXXX ) with the intent do Harm to the Borrower Select Portfolio Servicing , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan # : XXXX DFPI Complaint # : XXXX Resource complaint # XXXX XXXX Dept. of Justice H.U.D. XXXX XXXX. RESPA FBI DRE DEPT. of Corp. XXXX VERTARAN AFFAIRS ( XXXX Vets ) XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TN

Complaint narrative:
I am filing a complaint regarding a collection account being reported on my credit file. I requested validation of this debt, and the information provided has been insufficient and/or inaccurate. Despite this, the account continues to be reported, which I believe may be a violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have attempted to resolve this matter directly numerous times with the collection agency, but they have refused to correct or remove the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: MA

Complaint narrative:
received debt notice from Northstar Location Services regarding unknown debt from XXXX XXXX XXXX. NO DETAILS were enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I had a problem with one of the financial creditors ' employee. The employee was being extremely disrespectful in many ways on multiple accounts with me ( She called my XXXX XXXX XXXX multiple times and hung the phone up while I was trying to talk ). The employee also threaten me with repossession if I did not pay today ( XXXX XX/XX/year> ). I called back and spoke with the manager. She help me perfectly with getting everything settled, but when I informed her of the other employee 's actions she brush over it or just did not hear me clearly enough which I did not feel comfortable with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: AZ

Complaint narrative:
Complaint Against American Credit Acceptance I am filing a formal complaint regarding the accuracy and transparency of my auto loan account with American Credit Acceptance. I financed approximately {$18000.00} on my vehicle and have made over {$10000.00} in payments to date. However, according to the lenders records, only approximately {$400.00} has been applied toward principal, with the vast majority of my payments applied to interest and fees. While I understand high interest rates can result in slow principal reduction, the accounting provided raises serious concerns. The payment ledger I received contains multiple inconsistencies, including : Numerous payment reversals ( PAYMENT-R ) that are not clearly explained Payments being applied almost entirely to interest, with little to no principal reduction Entries such as XXXX and other charges that are not clearly itemized or disclosed A lack of clear explanation for how fees and charges are assessed and applied Additionally, the ledger provided does not reconcile with my monthly account statements. There are approximately 10 months of missing statements ( XX/XX/XXXX through XX/XX/XXXX ) that are not available in my account history, making it impossible for me to verify the accuracy of the balance. Due to these discrepancies, I am formally disputing the accuracy and completeness of the loan balance. I am requesting that American Credit Acceptance provide : A complete and accurate payment history for the life of the loan All monthly statements, including the missing period referenced above A full itemization of all fees and charges applied to the account A detailed breakdown of how each payment was applied ( principal, interest, fees ) A clear and accurate payoff amount with full explanation Until this information is provided and reconciled, I do not believe the current balance has been properly validated. I am requesting a full review of this account and correction of any inaccuracies.

Company response to consumer: Closed with explanation