vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-04-15 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: NY

Complaint narrative:
I just became aware of a refund that i did not received for a transaction on my card, and they won't let me file a charge back. In XXXX of XXXX I prepaid for a hotel stay for later in the year. I paid extra to make sure I could cancel the reservation. My receipt from the hotel company confirmed I paid for the cancellation rate. I did cancel the reservation in time and got a reservation cancellation message from the company on XX/XX/XXXX. However, I never received the refund. In doing some end of year reporting, I can across the issue and contact them as soon as I became aware of the issue. I tried to contact the hotel, but unfortunately - even thought it was a XXXX XXXX at the time- the XXXX has declared bankruptcy. I sent all my receipts to Amex but they said there was nothing they could do. Travel - XXXX XXXX XXXXXXXX XXXX CA {$3300.00} My card is a XXXX American Express and is also suppose to offer some protection and insurance when things like this happen. If I had known of the issue earlier, I would have dealt with it earlier. I have held this card for more than XXXX years and Amex has so much more power than I do to go back against these companies for compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Veros Credit, LLC
State: CO

Complaint narrative:
XXXX XXXX Veros Credit XXXX XXXX and Misrepresentation I am filing a complaint regarding my auto loan account with Veros Credit. On XX/XX/year>, I received a settlement offer and accepted it the same day by signing and returning the agreement. I was actively communicating with their representative and was explicitly told in writing that the offer and payment deadline were valid through XX/XX/year>. I relied on this representation and timeline in good faith. At no point was I informed that my vehicle could still be repossessed prior to that deadline. Despite this, my vehicle was repossessed at approximately XXXX AM on XX/XX/year>, just hours after I accepted and returned the agreement. This action directly contradicts the timeline provided by Veros Credit and was done without warning while I was actively working to resolve the account under the agreed terms. I believe this constitutes unfair and deceptive conduct, as I was misled into believing I had until XX/XX/year> to cure the account and retain my vehicle. I am requesting the following resolution : XXXX. XXXX return of my vehicle without any repossession or storage fees XXXX. Reinstatement of my account under a revised agreement with improved settlement terms I have documentation of the signed agreement and written confirmation of the XX/XX/XXXX deadline and will provide it as evidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report, as it does not accurately reflect my true credit history or account status. Upon review, I have identified discrepancies indicating that the information may be incomplete, outdated, or incorrectly reported, which is negatively impacting my credit profile. I respectfully request a thorough investigation and proper validation of this account, and if the information can not be verified as accurate and complete, I request its prompt correction or removal in accordance with applicable laws.

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 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report, as it does not accurately reflect my true credit history or account status. Upon review, I have identified discrepancies indicating that the information may be incomplete, outdated, or incorrectly reported, which is negatively impacting my credit profile. I respectfully request a thorough investigation and proper validation of this account, and if the information can not be verified as accurate and complete, I request its prompt correction or removal in accordance with applicable laws.

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 2026-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 2026-04-15 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: EQUIFAX, INC.
State: WI

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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: WI

Complaint narrative:
I was on vacation in XXXX XXXXXXXX XXXX and my debit card was put up as I wasnt to use this card at all, however I received a text saying there were charges out of XXXX and to verify if I did it. I responded I didn't and then I was told to call in to speak to the fraud department. When I called in, I spoke to a representative that confirmed the charges and said they would get my card shut down. I asked him to dispute the fraudulent charges, and he told me they had no way of doing that and I had to watch my account to see if they would post. I told him they see the charges and I should not have to keep watching it while I am on vacation to see if they post and then have to call back if they do to start a dispute. I asked why it can't be asserted now and if they don't post they contact me and let me know they didn't and if they do post they can let me know what the next steps are. He told me there is no way to dispute a pending fraudulent transaction and couldn't provide any additional info or service at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am filing a complaint against Chime regarding a fraud incident and the mishandling of my claim. I was the victim of a rental scam in which I sent {$1000.00} to an individual using Chime. The individual falsely represented themselves as a legitimate landlord. After visiting the property in person, I confirmed that this person had no connection to the residence and that the listing was fraudulent. This transaction was induced through intentional misrepresentation and deception. Although the payment may appear authorized, it was not a legitimate or voluntary transaction, as it was based entirely on false pretenses. I reported the issue to Chime and filed a claim, which was denied. I also have serious concerns about how this situation was handled by Chime : I spoke with multiple customer service agents and received inconsistent and concerning responses. One agent acknowledged the seriousness of the situation and advised me to file a police report, which I did. Despite this, no meaningful action was taken. Another agent was dismissive and unprofessional, and did not provide adequate support regarding a clear case of fraud. I have identified multiple Chime accounts with similar usernames to the one that scammed me, which raises concern that this individual may be operating multiple accounts to scam users on the platform. These issues raise serious concerns about Chimes ability to detect, prevent, and respond to fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FEDChex Recovery, LLC
State: NJ

Complaint narrative:
A debt collector, FCR Services ( Fedchex ), contacted me seeking {$710.00} on behalf of original creditor XXXX XXXX. Upon receiving their initial collection notice, I promptly sent FCR Services a formal written debt validation demand pursuant to 15 U.S.C. 1692g, disputing the debt in full and requesting : an itemized statement, a copy of any signed agreement, documentation of insurance verification, any cost disclosures, the Explanation of Benefits from my insurer, and proof that FCR Services is licensed to collect debts in my state. On approximately XX/XX/XXXX, FCR Services responded claiming the debt had been validated. However, their response provided zero supporting documentation. They directed me to log into the original creditor 's own patient portal myself, and cited HIPAA as the reason they could not provide my own contract. HIPAA does not prohibit a creditor from providing a debtor with their own billing and contractual records. This is a legally deficient response that does not constitute debt validation under the FDCPA. Notably, I have written confirmation from XXXX XXXXXXXX XXXX own system dated XX/XX/XXXX, stating that payment 5 of 5 on my scheduled payment plan had transacted meaning I completed the entire payment plan XXXX established for me prior to any collections referral.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I was purchasing appliances through XXXX, I was told I was on a promotional plan for XXXX months with Synchrony bank, and that the card would be charged once the product shipped out. Purchase was made : XX/XX/XXXX Product was shipped : XXXX XXXX, XXXX I was told that I had to pay off the card by XX/XX/XXXX I had the credit card on auto pay, so it was paying a large portion every month. Today ( XX/XX/XXXX ), I checked my bank account and the auto payment charged me double then what they usually charge. I called them to see why that is, and they said as of XX/XX/XXXX, my promotion plan expired and i was charged {$15000.00} in interest. They did not send me a monthly statement showing that this payment was do, neither did they reflect it on email nor through mail. I always made payments on time and never missed XXXX. And I had in plans to pay off the reminder balance of {$17000.00} by XX/XX/XXXX. I tried calling them, and they said because I was pass the XXXX days, there is nothing that can be done. I asked for a one-time courtesy and that I would pay the entire principal, but they said no. If I would have known or received anytime of notification. This wouldve never happened. I am now financially burdened and I have no way of paying these large payments. I was deceived and lied to. And everything was done over the phone so I have no documentations of even opening the card. I didnt sign anything.

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 2026-04-15 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I am filing a complaint regarding a disputed {$100.00} charge on my Apple Card. I paid for XXXX XXXX for XX/XX/year> at the XXXX location. I attempted to cancel, but the merchant told me the charge could not be stopped and would be held as a credit. When I later attempted to use the credit, I discovered that the XXXX location had permanently closed. The only alternative location offered was XXXX miles away, which is not a reasonable option. Additionally, my account was shut down, and I no longer have access to the credit or services. Despite disputing this transaction multiple times, the charge continues to be reapplied. I did not receive any services, and the merchant is unable to provide them. I am requesting a full refund of {$100.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OR

Complaint narrative:
I am disputing a XXXX debt that has been improperly sent to collections due to a provider billing error. XXXX XXXX XXXX required me to complete lab testing through XXXX XXXX as part of my subscription. Their written agreement states that all required lab work is included and covered by the provider. Despite this, XXXX XXXX billed me directly, and the balance of {$810.00} was sent to collections ( Credit Control , LLC ). I did not authorize or agree to be personally responsible for these charges. This is a billing failure between the provider and the lab, not a valid consumer debt. I have attempted to resolve this directly with XXXX XXXX XXXX but have not received a resolution. I am requesting : - Immediate removal of this debt from collections - Confirmation that I am not financially responsible- Prevention or removal of any negative credit reporting This debt is currently under formal dispute.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Continental Finance Company, LLC
State: NC

Complaint narrative:
CFPB Complaint Credit Card Billing and Servicing Issues I am filing this complaint regarding what I believe to be unfair, deceptive, and potentially abusive billing and servicing practices related to credit card accounts issued by Celtic Bank and serviced by Continental Finance Company, including the Surge XXXX and XXXX Card. Despite making payments as agreed, I have experienced ongoing issues that have made it difficult to reduce my balance and clearly understand my account. Interest charges continue to be applied even after payments are made, and there have been instances where payments were reported as unable to be processed despite sufficient funds being available. In addition, fees and interest are being assessed in a manner that is not clearly explained or transparent. These practices create a cycle in which balances are difficult to pay down despite consistent efforts to meet financial obligations. As a consumer acting in good faith, I should not be subjected to billing practices that prolong debt or create unnecessary financial hardship. This situation raises concerns regarding compliance with federal consumer protection standards, including the accuracy and transparency of billing disclosures, the proper application of payments and interest, and the potential for unfair or deceptive acts or practices. The lack of clarity and consistency in how my account is being handled has caused both financial strain and concern about the legitimacy of these charges. I am requesting a full audit and detailed breakdown of all charges, interest, and fees applied to my account, as well as correction or removal of any inaccurate, excessive, or unjustified charges. I also request a written explanation of payment processing procedures, including why payments were allegedly not accepted, and confirmation that my account is being managed in compliance with applicable federal consumer protection laws. Based on my experience, these products appear to disproportionately impact consumers who may already be financially vulnerable. I respectfully request that this matter be reviewed thoroughly and that appropriate corrective action be taken.

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 2026-04-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Climb Credit Inc.
State: OK

Complaint narrative:
I am submitting a complaint against Climb Credit ( lender ) and XXXX ( servicer ) regarding a private student loan originating from XXXX ( formerly XXXX XXXX ). The original principal of the loan was {$18000.00}, but an aggressive 16.4 % interest rate has inflated the current balance to over {$25000.00}, resulting in an unmanageable $ 580 monthly payment. I am currently unemployed and facing severe financial hardship. I attempted to resolve this debt through XXXX 's internal reimbursement and job-tracking protocols. However, following the CFPB 's XX/XX/year> consent order shutting down XXXX for deceptive consumer lending practices, the school 's tracking systems were dismantled, entirely blocking my ability to comply with their cancellation process. Given the federal government 's findings that XXXX engaged in deceptive marketing regarding job placement and loan costs, and the CFPB 's subsequent XX/XX/year> regulatory action against Climb Credit for facilitating these types of loans, I maintain that this loan was originated under false pretenses and its terms are invalid. I am requesting immediate regulatory intervention to halt collections from XXXX and to discharge this debt due to predatory origination and institutional fraud.

Company response to consumer: Closed with explanation