vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 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: FL

Complaint narrative:
I received a collection letter from Midland Credit XXXX  in XX/XX/year> claiming that I owe approximately {$5900.00} to XXXX XXXX XXXX. I do not recognize this debt and have never had any account, loan, or educational financing with this bank. 

I contacted the company through their online chat and requested a written contact ( email or mailing address ) to formally dispute the debt and request validation under the Fair Debt Collection Practices Act ( FDCPA ). The company refused to provide any written contact information unless I disclosed sensitive personal data and insisted that I call by phone instead. 

I declined to share personal information through chat or phone and requested written correspondence only. The company did not provide an email or mailing address for formal dispute or validation. 

I am reporting an attempt to collect a debt that is not mine and the companys refusal to provide a written channel for debt validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing a debt collection account being reported by IC System for {$130.00}, originally from XXXX XXXX. This collection is appearing on my credit report, but I have not received proper validation or documentation showing I owe this debt.

I am requesting that IC System provide full verification, including : A copy of the original contract or signed agreement Proof the debt belongs to me A complete account statement showing how the balance was calculated Proof IC System has the legal authority to collect this debt Until proper validation is provided, I request the collection be removed from my credit report and all collection efforts cease.

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 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I am filing a complaint regarding PayPals handling of a fraud-related negative balance tied to Transaction ID XXXX. 
I am a former small business owner who used PayPal to invoice a client obtained through a paid third-party lead service ( Thumbtack ). The customer used false pretenses to manipulate me into forwarding funds to third parties, which I later learned is a known payment-forwarding / overpayment scam targeting service providers. 
I acted in good faith, did not knowingly participate in fraud, and did not financially benefit from the disputed funds. Once concerns arose, I ceased all cooperation. 
I previously disputed this transaction through PayPals Resolution Center and provided all requested documentation, including invoices, message records, and lead verification. The case was closed and denied. Since then : The Resolution Center blocks me from reopening or filing a new dispute My business has ceased operations The unresolved negative balance has caused ongoing financial hardship I am requesting that PayPal conduct a manual fraud reconsideration and equitable balance adjustment, as I no longer have access to in-platform dispute tools and have exhausted standard resolution options. 
I am seeking a fair resolution and closure of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
This correspondence follows my initial complaint. I received a confirmation from PayPal stating that the payment processed on XX/XX/XXXX was deemed authorized and that the case has now been closed, which I will attach for your reference.

However, I am concerned about the rerouting of a disputed credit card transaction to my debit card without my consent. I did not approve any backup funding source for this specific transaction, which took place while the dispute was still active. PayPal did not inform me of my credit cards decline or that they would charge the card on file, although I hadnt updated my debit card information.

My new debit card was activated only on XX/XX/year>, and I have not utilized it with PayPal since. My original credit card has been the primary card in my PayPal account. Additionally, the dispute regarding the transaction with XXXX XXXX was active during this processing period. I intentionally locked my credit card to avoid any issues with the disputed charge, but PayPal proceeded to charge my debit card instead.

Furthermore, I did not receive any notification regarding the attempt to charge an alternative funding source, despite having enabled account notifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Subject : FINAL NOTICE Demand for Immediate Deletion of Inaccurate Credit Reporting XXXX XXXX Dear Sir or Madam, This letter serves as a XXXX XXXX  formal and final notice XXXX XXXX regarding the continued reporting of XXXX XXXX inaccurate and unverified credit information XXXX XXXX on my consumer credit report. 

Despite XXXX XXXX multiple prior disputes XXXX XXXX, the following account remains reported incorrectly and without proper verification XXXX XXXX XXXX XXXX  Creditor/Collection Agency XXXX XXXX XXXX JPMCB CARD XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Balance XXXX XXXX XXXX  {$2600.00XXXX XXXX XXXX XXXX  Date Opened/Reported XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This account is * * inaccurate, invalid, and can not be verified XXXX XXXX  Notably, XXXX XXXX XXXX has already completed its investigation and DELETED this account XXXX XXXX  confirming that it was reported in error. Your continued reporting of this account demonstrates a XXXX XXXX failure to conduct a reasonable investigation XXXX XXXX as required by law. 

Under the XXXX XXXX  Fair Credit Reporting Act XXXX XXXX including XXXX XXXX 15 U.S.C. 1681e ( b ) and 1681i XXXX XXXX, consumer reporting agencies are legally obligated to XXXX XXXX Report only XXXX XXXX accurate and verifiable information XXXX XXXX, and XXXX XXXX XXXX Promptly delete or correct XXXX XXXX any information that can not be verified after a dispute. 

Your failure to remove this account constitutes XXXX XXXX noncompliance with federal law XXXX XXXX and is causing XXXX XXXX ongoing financial harm XXXX XXXX including the denial of credit opportunities. 

Accordingly, I am XXXX XXXX  demanding the immediate deletion XXXX XXXX of this account from my XXXX  and XXXX  credit files. If this matter is not resolved promptly, I am prepared to XXXX XXXX escalate this dispute XXXX XXXX, including filing formal complaints with the XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX  and pursuing all remedies available under federal law. 

Please provide XXXX XXXX  written confirmation of deletion XXXX XXXX once this matter has been resolved. 

This letter is sent XXXX XXXX without waiver of any rights or remedies XXXX XXXX available to me under the Fair Credit Reporting Act or other applicable laws. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: IL

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute inaccurate information appearing on my credit report regarding an apartment account that is being reported incorrectly. I vacated the apartment in XX/XX/year> ( XX/XX/year> ). At the time of move-out, my remaining balance was XXXX months rent totaling {$1000.00}. However, the account continues to reflect additional charges that were applied after I moved out, until the apartment was later released. I did not occupy or have possession of the apartment beyond XX/XX/year>, and I did not authorize or agree to ongoing charges after that date. Therefore, the continued billing and reporting of additional balances is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and either : Correct the balance to reflect only the legitimate one-month charge of {$1000.00}, or Remove the account entirely if accurate verification can not be provided. Please provide written confirmation of the results of your investigation. Any documentation used to verify this account should be shared with me upon request. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase withdrew approximately {$2900.00} via auto-pay in error, overdrafting my checking account by approximately {$1400.00}. 

Multiple Chase representatives confirmed that this withdrawal was a mistake and explicitly stated that a full refund would be issued.

After over a week of waiting, Chase reversed its position, offered only {$300.00}, cited an incorrect credit-related explanation unrelated to the issue, refused escalation, and a supervisor disconnected the call.

I relied on Chases confirmed statements, and as a result of this error and misinformation I have been unable to pay rent, food, and essential bills. I am requesting a meaningful refund reflecting the banks error and the financial harm caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Upgrades handling of my account and a hardship request. 
On or around XX/XX/XXXX, I contacted Upgrade to request hardship assistance on my account due to financial difficulty. During that call, I was told that an investigation or review would be completed and that someone would call me back to discuss available options. I was led to believe my account was under review and that I would be contacted before any negative action was taken. 
I never received a call back, email, or letter from Upgrade. No one followed up with me, and I was not informed that the review had been completed or denied. I made multiple attempts to get help after this and was unable to get clear information or assistance.

Despite being told my hardship request was under review, Upgrade reported my account as 30 days late on or around [ date ]. When I contacted Upgrade after the late payment was reported, I was told that nothing could be done and that no hardship options were available, even though I had never been contacted to complete or discuss the investigation I was promised. 
I believe Upgrade failed to complete the investigation in a timely manner and failed to communicate with me as promised. Had I been informed that no assistance would be provided, I would have taken other steps to avoid a late payment being reported. I am requesting that Upgrade review this matter, provide documentation of the hardship investigation they claim to have conducted, and correct any inaccurate or unfair credit reporting that resulted from their lack of follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX Business address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, fl XXXX Experian XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, CA XXXX I am XXXX XXXX , owner of XXXX XXXX XXXX XXXX XXXX I am receiving alerts that negative items are appearing on reporting associated with my business across Experian and XXXX  and other business reporting services ( including XXXX XXXX XXXX and other small-business credit reporting ). These negative items are not authorized. My business has no business lines of credit or business credit cards other than XXXX. 

I have already filed an FTC identity theft/fraud report regarding false claims/reporting. I am requesting that the companies provide a complete disclosure of all information they maintain and the sources of any alleged debts/tradelines, and that they verify or delete any negative items that can not be verified. 

To the extent the reporting is being used as a consumer report about me personally ( e.g., personal guarantee/SSN linkage, lending decisions tied to me ), I am asserting rights to : Full file disclosure of information and sources ( 15 U.S.C. 1681g ) Reasonable reinvestigation and deletion of unverified inaccurate information ( 15 U.S.C. 1681i ) Maximum possible accuracy procedures ( 15 U.S.C. 1681e ( b ) ) Identity theft blocking ( FCRA 605B / 15 U.S.C. 1681c-2 ) upon receipt of the FTC identity theft report and proof of identity I also demand verification/validation ( VOD ) for any debts being posted by any third-party collectors, including the name/address of original creditor and supporting documentation, consistent with 15 U.S.C. 1692g where applicable.

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 2026-01-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, regarding the above-referenced account. 
The car stop working the second day of being in my possession I called credit acceptance to inform them and basically the lady I spoke with was like its nothing they can do. I returned the car to dealership and XXXX worth of fixing needed to be done. I was out of possession of the car for over a month. 
The vehicle financed through Credit Acceptance Corporation was later determined to be a lemon and was subsequently totaled in an accident. Following the total loss, the account was paid in full, and I am in possession of documented proof of payment confirming the balance was satisfied. 

Despite this, Credit Acceptance Corporation is reporting inaccurate and/or incomplete information regarding this account to one or more consumer reporting agencies, in violation of 15 U.S.C. 1681s-2 ( b ).

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 2026-01-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review the provided materials, keeping in mind the inquiries were unexpected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This company calls multiple times per day. Even when blocked, they generate new numbers to call from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please review the materials carefully ; the inquiries were unexpected and may not be authorized. 


.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — Store credit 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: TX

Complaint narrative:
I submitted a written billing dispute under the Fair Credit Billing Act, which Comenity Bank received on XX/XX/year>. The dispute concerns misapplied payments, duplicate charges, and improperly assessed late fees and interest.

While this dispute remains unresolved, Comenity Bank contacted me by phone multiple times in XX/XX/year> and on this last answered call XXXX XXXX they threatened to send my account to collections unless I paid the disputed amount in full.

This constitutes improper collection activity while a billing dispute is pending, in violation of the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 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: FL

Complaint narrative:
On XX/XX/XXXX a charge for XXXX communications XXXX called APPLE CARD to say I did not approve this transaction. I got such a run around I finally told them to close my account. After a long back and forth they said they would dispute and remove charge. I found out today they are still billing me. They keep you on hold pass you from XXXX team to another with no resolve. I guess XXXX just pay it to get rid of interest charges building up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express is repeatedly been trying to extort money from me in high dollar amounts close to {$2000.00}. This has happened three or four times in the past and I was just on the phone with them yesterday for 2 hours concerning this. I have been an American Express card holder for 32 years and I have always made my monthly payment and usually pay higher than the minimum amount due.


During the past 2 and 1/2 years they have been sending me threatening emails demanding close to {$2000.00} due within a matter of days. In each of these instances I had already paid the minimum amount due which is usually just a few hundred dollars. Recently I had just made a payment for the minimum amount due of close to {$250.00}. I then paid an additional {$170.00} to bring the account balance down even further. Regardless of paying American express high dollar amounts of {$2000.00} and {$1200.00} and other large amounts after receiving these threatening emails I have recently had two more of these threatening emails sent to me from American Express. The last one demanded {$19000.00} To be paid within 4 days. This is clearly extortion, unfair practice and abuse which should be illegal if it is not already. I spoke to two three representative yesterday and asked for an exception to be made because of my long term good standing for 32 years. I asked for this threat to be rescinded and an apology. I would like to speak to the media concerning this as well. It is absurd that someone who has had an account with them for 32 years since 1994 would be threatened continuously time after time to pay amounts close to {$2000.00} when the minimum amount due for the month had already been paid. I have never defaulted on my American Express credit card or any credit card for that matter.


This is and act of exploitation by American Express against the card holders. To send threatening emails to card holders demanding amounts of {$2000.00} due within a matter of a few days is clearly blackmail or extortion against vulnerable consumers. I demand that this threatening email be completely rescinded with an apology. Again I would like to speak to the media concerning this I think that it would make a good story for someone who has been a loyal customer of American Express were over 30 years to be treated is such a disrespectful and disgusting way. If there is any legal action that can be taken against American Express I would like to pursue that as well. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
Dear Spring oaks capital LL I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.

Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This is an continue issue from XXXX Would like the call logs from XXXX where I believe I tried to call in amd cancel the autopay.

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