vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 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:
I am filing this complaint because American Express has repeatedly failed to credit payments I made, failed to apply credits they promised in writing, and has issued multiple contradictory letters regarding their investigations. Their actions show a clear pattern of mishandling payments, misrepresenting investigation outcomes, and failing to correct acknowledged billing errors. A payment of {$67.00} was due on XX/XX/XXXX, which I paid early. On XX/XX/XXXX, the company sent me a written notice stating that {$250.00} would be applied to my next statement as a correction for a billing error related to a payment I made before XX/XX/XXXX. This credit was never applied, despite their written confirmation. I sent a payment of {$100.00} for the XX/XX/XXXX due date. On XX/XX/XXXX, the company sent a letter stating that I would not be responsible for the {$100.00} while they investigated. That credit was never applied. I also sent a payment of {$430.00} for the XX/XX/XXXX payment. That payment was never credited back to me. On XX/XX/XXXX, the company sent a letter stating that I would not be responsible for {$710.00} during their investigation. Then on XX/XX/XXXX, they sent another letter stating that I was not responsible for the {$710.00}, that the investigation was complete, and that the amount had been reapplied and would appear on my next statement. This was false. The credit never appeared. I sent another payment of {$40.00} around XX/XX/XXXX, and that payment was also never credited. On XX/XX/XXXX, I received another letter regarding the dispute, followed by yet another letter on XX/XX/XXXX, again stating that I would not be responsible for the {$100.00} while they investigated. This credit was also never applied. I have sent multiple letters to the company, including on XX/XX/XXXX and XX/XX/XXXX, and I revoked any Power of Attorney authority approximately a month ago. Now they are threatening to enter my information to the credit bureau even though I sent an opt out letter and haven't gotten a reply. Also, my account is supposed to be in a billing error because of all these lawful payments I have made. On XX/XX/XXXX, I received a letter rejecting my XXXX, even though I am legally permitted to file it. Despite all of these communications, the company has failed to apply the credits they promised, failed to correct acknowledged billing errors, and continues to send conflicting and misleading information. Their actions have caused financial harm, confusion, and unnecessary burden. I am requesting CFPB intervention to ensure that all payments and credits are properly applied and that the company is held accountable for its repeated failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
On Thursday, XX/XX/year>, I made an ATM deposit of {$130.00} to bring my negative account balance back into a positive status. My established history with this bank has always honored deposits made before XXXX XXXX as same-day business, so the account should have been protected. However, on Friday, XX/XX/year>, I discovered my account was charged an initial {$35.00} overdraft fee anyway, pushing the balance back into the negative. Because that Friday fee forced the account into a negative state, the system triggered a cascading chain of XXXX additional {$35.00} overdraft fees by Saturday, XX/XX/year>, totaling {$100.00}. I called customer service immediately on that Saturday. The representative acknowledged the issue, manually removed the {$100.00} in consecutive fees, and explicitly promised that the initial {$35.00} fee would come off naturally after the XXXX XXXX holiday without requiring any further action from me. When I checked my account on Tuesday, XX/XX/year>, following the holiday weekend, I found it was still overdrawn because the promised {$35.00} credit was never applied. I called to dispute this, and a representative informed me for the first time ever that ATM deposits must be completed by XXXX XXXX to count for the same business day. This XXXX XXXX cut-off time has never been transparently communicated to me as a customer. Today, on Thursday, XX/XX/year>, I called back to speak with a supervisor. While the supervisor finally credited the initial {$35.00} fee, the bank 's system has now retroactively re-applied the {$100.00} in cascading fees back onto my account. The supervisor refused to remove the {$100.00}, claiming the account is ineligible because no attempt was made to pay it. This completely ignores the fact that I was explicitly told on XX/XX/XXXX that it would be resolved automatically and that I did not need to take action. This entire {$100.00} deficit is a direct result of the bank failing to uphold the explicit verbal agreement made by their representative, combined with a total lack of transparency regarding changed ATM cut-off times. I should not be held financially responsible for consecutive penalty fees triggered by the bank 's own conflicting instructions and broken promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I went on a cruise on the XXXX from XXXX from XXXX. Upon my disembarkation on XX/XX/25, my preliminary invoice was {$130.00}, and it was noted that unless I made charges on the day of disembarkation, it was considered my final invoice. On XX/XX/25 my XXXX XXXX XXXX was charged {$770.00}. I reached out to the cruise line by phone several times and never got a call back. I ended up reaching out by their website and got a response that they don't reach out to credit card companies and I will have to handle the charge directly with them. They also sent me a FINAL INVOICE with a final amount of XXXX instead of the XXXX. I sent the credit card company all of this information and opened several disputes. The first time, their portal was down and I was unable to upload information. I mailed the information and they said they didn't receive it. I then sent it certified mail and they " resolved '' the dispute by saying the charges were valid. I uploaded everything again and they again said the charges were valid. Recently, I asked them to send me the documents merchant provided and they said they wouldn't be able to provide me with that. Everytime I call them, I spend about 1 hour on the phone and continue to go in circles and explaining myself like 2-3 times on every call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
Jefferson Capital Systems LLC took a loan from XXXX and has been reporting that I still owe the loan even though I don't owe anything and its proof is because I don't have them as a collection on my credit report and the loan as it says is from XX/XX/2021. Ive asked XXXX to handle it but they said that XXXX is responsible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 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: FL

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 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
This DEBT WAS OPENED FRAUDENTLY AND I WAS A VICTIM OF IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I had a garage door company come out to fix my garage door. The service wasnt done properly and had 1 year warranty. Called the company few times but never answered the phone. I disputed the charge with my bank account. When the garage company found out, the decided to show up fix the garage and asked for the amount that was disputed so I paid them that amount. After I paid them, the went to Barclays ( the bank of my credit card ) and said they didnt get paid and to reverse the dispute. Barclays with no proof decided to reverse the dispute and when I called them they wouldnt provide me any proof or details on anything. They also claimed I singed something saying the service was complete

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 2026-05-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I would like to clarify that any indication of fraud in my CFPB complaint was made by mistake. I am not alleging identity theft, unauthorized use, or fraudulent activity related to this account. My complaint is strictly regarding the repossession procedures, required notices, account verification, and the accuracy of the credit reporting associated with the account. I am disputing this account due to improper procedures and inaccurate reporting. The vehicle was repossessed without me receiving a Notice of Default or Right to Cure as required by law. After repossession, I was not provided a Notice of Sale or a Deficiency Balance Notice as required under UCC 9-611 and 9-614. These failures deprived me of my right to redeem the vehicle and to verify the amount allegedly owed. Additionally, this account is being reported as a charged-off balance without proper documentation or verification, which I dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that this matter be reviewed as a standard credit reporting and compliance dispute rather than a fraud complaint. I also request complete verification and documentation regarding the account and the deletion or correction of any inaccurate, incomplete, or unverified information being reported to XXXX XXXX XXXX XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: GA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
My home already foreclosed. I submitted my loss mitigation paperwork on XX/XX/XXXX to XXXX, on XX/XX/XXXX XXXX called me and told me that my loan was transferring to Carrington mortgage as of XX/XX/XXXX and They will have to honor my modification. I received a letter on XX/XX/XXXX from Carrington mortgage stating they are now my mortgage service provider and said I was delinquent. I called and spoke with Carrington mortgage telling about my modification and they told me they haven't got all my paperwork yet and when they do they will reach out to me regarding new loan documents. On XX/XX/XXXX I get a monthly mortgage statement stating I'm {$21000.00} behind. Which is not accurate and they were demanding that amount. On XX/XX/XXXX I called Carrington mortgage and asked about my modification. The lady I spoke to said they never received any paperwork for it and she told me to re submit it. At that time a sheriff sale date was scheduled for XX/XX/XXXX. I asked her if the date would be cancelled and she said yes. Because my loan modification. On XX/XX/XXXX I called Carrington mortgage again because I still had not received any information for my loan modification. The lady I spoke to said they didn't have any paperwork for my modification and told me to submit it again. She stayed on the phone with me the whole time I was submitting everything to make sure everything was accurate, I asked her about the sheriff sale on XX/XX/XXXX and she said the sale would not take place due to my loan modification pending. On XX/XX/XXXX XXXX XXXX called me about the sheriff sale of my home and said it was still on the docket for XX/XX/XXXX. I explained that I was told it would not be by Carrington mortgage. The lady gave the information to XXXX the law office handling it, so I called them that day and they explained to me that Carrington mortgage did not stop the sale. Close to the end of my redemption I secured a new lender and asked for a XXXX week extension to finalize my new lending. My new lender even reached out to Carrington mortgage letting them know we were in underwriting and they wanted the exact amount of the Pay off. Carrington mortgage denied the extra 2 weeks so I could finalize my loan. The law office for Carrington said that once it moves to XXXX we can purchase through them. My new lender spoke with the XXXX department and they said they wanted to do their own appraisal. After that communication they no longer communicated with my new lender or me after several attempts by us.Then the middle of XX/XX/XXXX I received court papers From XXXX XXXX XXXX to move out. And now I'm being evicted .I 'm still in my home and talking with lawyers for wrongful foreclosure and eviction. And pursing relief. Attached documents show dates and some of the communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
TO : The US Department of Education, XXXX XXXX XXXX Aidvantage, Federal Student Aid Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Given our sons attendance at XXXX, XXXX in 2021, I co-signed for an education loan with said company and began to pursue various grants and educational assistance. Unbeknown to me at the time ( or any time until my credit was run last week for a reverse mortgage ), a loan was obtained via servicer Aidvantage, later to be written off to the US Department of Education for collection. Having NEVER received any written notification from Aidvantage to date regarding said loan, I was shocked when my credit had derogatory reporting. Given my credit rating has been from high XXXX to mid XXXX for the last several years, creditors have requested my signing or cosigning for our various sons trailer, and two vehicles with XXXX, XXXX XXXX, and XXXX XXXX, as reflected. After seeing my rating had plummeted and there were derogatory reportings from the Department of Education, ( despite paying on another education loan ), I immediately contacted them to rectify the issue. This week, I have been bounced back and forth between the two companies several times ( the US Dept of Ed and Aidvantage ) with the former claiming the loan should be recalled by the later and the later claiming it was upon the former to do so. Having read years ago that there were invoicing problems with educational servicers, I shouldnt be surprised that my credit has fallen victim to this situation, however, as my credit history will reflect, paying my debts is an obligation that comes before all else in my life endeavors. It is incumbent upon the companies involved to immediately resolve this issue which at this point is considered situationally challenging for us and may have caused us irreparable damage, given our pursuit of a reverse mortgage, let alone other possible aid for our children. XXXX XXXX, conscientious but incensed consumer XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I recently reviewed my credit report and noticed accounts that I believe are the result of identity theft. These accounts do not relate to any transaction made by me and I did not authorize them. I previously contacted the credit bureau regarding this issue, but the accounts are still being reported on my credit report. I am submitting my Identity Theft Report along with proof of my identity and address. FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name - XXXX XXXX XXXX PLEASE DELETE THIS ASAP! Incorrect DOB - XXXX - PLEASE DELETE THIS ASAP! Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE THIS ASAP! EMPLOYER - XXXXXXXX XXXX XXXX PLEASE DELETE THIS ASAP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am a resident of California, filing a formal complaint against LVNV Funding LLC regarding the XXXX XXXX XXXX XXXX. collection account they are furnishing on my Experian credit report ( Reference File : XXXX ). A review of my credit file as of XX/XX/year>, shows that LVNV Funding LLC is systematically rolling over and updating the " Balance Updated '' field to XX/XX/year>, on this historical collection account. This deliberate electronic manipulation tricks automated FICO scoring algorithms into interpreting an old default as a brand-new, active delinquency, causing ongoing and severe damage to my credit score. Under California Civil Code 1785.25 ( a ), a data furnisher is strictly prohibited from submitting credit information if they know or should know that the data is misleading, incomplete, or inaccurate. Artificially re-aging the update dates to weaponize a historical collection is a flagrant violation of California state compliance laws. I am not seeking an automated " verification '' loop where this company simply clicks a button to verify their own flawed data. I am demanding that LVNV Funding LLC review this file, cease this deceptive reporting stream immediately, and completely delete this collection trade line from XXXX XXXX XXXX XXXX. If this unverified, manipulated data is not permanently deleted, I will escalate this matter to a formal statutory lawsuit in a California court to pursue punitive and statutory damages under the CCRAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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: VA

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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