vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About XXXX weeks ago, American Express opened complaint XXXX in reference to purchase protection claim XXXX, but it has not been resolved. On XX/XX/year>2025, I followed up via phone call and the Agent representative refused to address and/or resolved the issue. The Agent did confirm that American Express had all the documents necessary to resolve the claim but did not want to provide any resolution date nor updates. The company falsely stated that I " do not live at XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, CA ''. However, I have provided the business a copy of my mortgage bill which reflects that I live there. Per the claim submission, the item was lost at the same location as the claim. I have provided the business a copy of the mortgage to prove the home of residence, yet the business failed to clarify as to what else they need to process the claim. The shipping address has nothing to do with me losing the item at my residence. Additionally, the business claims that they spoke with an unknown property manager and that there is an unknown tenant living there. The business failed to provide any details on when they spoke with these unknown people, nor what their names were nor any documentation to support their false allegations. Additionally, here are the response to the business ' letter : " You filed Purchase Protection claim XXXX XXXXXXXX on XX/XX/year>2025 Correct. This matches all the documents submitted towards the claim. You claimed the item was lost in your home located in XXXX, CA Correct. I attached my mortgage for your review and convenience. " There is no record of any weekly calls made into our office regarding this claim. '' False. My phone has calls logs and there are notes created by the phone agents of each time that I called. I can provide this information upon request. The mortgage statement only confirms you have a loan with the mortgage company and does not prove the loss you reported to use under the Purchase Protection insurance product False. I was living at the location of loss and attached to this message is the mortgage to prove that I was at the location of loss. I attached it for your review and convenience. . We have not requested any additional information from you. Correct. If you not need anything else, then what is the delay with processing the claim?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am formally disputing the validity and reporting of the collection account referenced. I do not recall entering into any agreement or contractual relationship with the collection agency reporting this debt. Additionally, I was never properly notified of this account as required under the Fair Debt Collection Practices Act, including the required validation notice outlining the details of the debt and my rights to dispute it. Furthermore, pursuant to the Fair Credit Reporting Act, all information reported to consumer reporting agencies must be accurate and verifiable. At this time, this account has not been properly validated and appears to be inaccurate, incomplete, or unverifiable. Due to the lack of proper notice and failure to provide validation of the alleged debt, I formally request a full investigation into this matter. If the account can not be properly verified, I request that it be immediately deleted from all consumer reporting agencies to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One is reporting an account in my name on my credit report that I did NOT open. I have contacted them several times to let them know that this is fraudulent and not mine. Despite many attempts and disputes and asking for proof of signature or copies of any contract, they have provided nothing, but yet tell me its accurate and verified, without proof of either. I let them know I am a victim of fraud, and a Data Breach. As well as my wallet being stolen out of my car years ago, with my DRIVER LICENSE, SSN, and BIRTH CERTIFICATE, all being stolen. I provided them with police reports as well as Identity Thief Reports I filed with the FTC. I have done everything in my power to resolve this issue with no resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
My Account WAS CLOSED CUZ I DIAPUTED IT ND they think it was me cuz she has all my information to access my account she stole, u identity

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NY

Complaint narrative:
I am filing this complaint against XXXXColumbia Debt Recovery regarding a collections account that has been incorrectly reported on my credit report. I previously rented an apartment managed by XXXX. In XXXX, my unit experienced significant flooding, which rendered it uninhabitable. As a result, my landlord and I reached a mutual agreement to terminate my lease early due to the uninhabitable conditions caused by the flood. Because of this mutual termination, the amount being reported as owed is incorrect and does not reflect the agreed-upon terms at the time of lease termination. Despite this, XXXXColumbia Debt Recovery has reported an inaccurate balance to the credit bureaus. I have made repeated attempts to resolve this matter over the past XXXX days, contacting the company on multiple occasions. Each time, I have been deflected, given no resolution, and denied access to a supervisor or the compliance department. Additionally, when I contacted XXXX directly regarding this account, I was informed that the property is no longer owned by XXXX and that the debt had in fact been sold. However, a representative at XXXXColumbia Debt Recovery explicitly told me the debt had NOT been sold which is a direct contradiction and a false statement. This raises serious concerns about the accuracy of the information they are reporting and their compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). XX/XX/XXXX/Columbia Debt Recovery has failed to : Provide accurate information about the status and ownership of the debt Allow me to speak with a supervisor or compliance department Investigate or correct the inaccurate balance being reported Respond in good faith to my repeated attempts to resolve this dispute I am requesting that the CFPB investigate this matter and compel XX/XX/XXXX/Columbia Debt Recovery to correct the reported balance to reflect the mutual lease termination agreement, provide proper documentation of the debt and its chain of ownership, and cease reporting inaccurate information to the credit bureaus. This inaccurate collection account is causing significant harm to my credit and financial standing. I have made every reasonable effort to resolve this directly and have been stonewalled at every turn. I am asking for your assistance in holding this company accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
A XXXX XXXX account was opened in my name without my authorization by a sales representative. I never applied for or consented to this account, and I informed the XX/XX/XXXX representative that I did not want any new service but yet he activated it anyway. I consider my rights being violated and is identity theft. Over the past year, I have contacted XXXX multiple times requesting that this fraudulent account be removed. I was sometimes told the account had been removed, but it continues to appear on my credit report as a collection account. The account has a reported balance of {$200.00}, and it is negatively affecting my credit score. I have made no payments and never agreed to this service. I am disputing this account as fraudulent. It must be removed from my credit report immediately. It has cause great harm to me and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: FL

Complaint narrative:
As of 2026, this debt has been paid and fulfilled, I do not owe a balance to this agency. Please remove off my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC
State: CO

Complaint narrative:
Was never served, received county notice of judgement against me, today they took XXXX from my checking account with NO notice of garnishment.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: MS

Complaint narrative:
I am disputing inaccurate negative reporting by SELF / XXXX XXXX for account ending in XXXX. This account is listed as paid off and closed, with an original balance of {$520.00}, but it continues to report XXXX late payments that are damaging my credit. I believe this information is inaccurate, misleading, and/or unverifiable. I am requesting that the company provide complete documentation showing the exact dates, payment history, and basis for the reported late payments. If the late payments can not be fully verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
In XX/XX/year>2026, I discovered an account on my credit report that I did not open or authorize. I submitted a dispute to Experian requesting a reasonable reinvestigation, the method of verification, and documentation demonstrating that the account is accurate and properly associated with my credit file. Despite my request, Experian failed to provide any verification or documentation to support the accuracy and proper association of the reported account. The account continues to be reported without being certified as accurate. As a result, this inaccurate information remains on my credit report and continues to negatively impact my credit profile.

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/XXXXPOTENTIALLY NEGATIVE MONTHS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Charge Card Status Closed. {$160.00} written off Comments Purchased by another lender Payment history guide Charge Off as of XX/XX/XXXX,XX/XX/XXXX days past due as of XX/XX/XXXXdays past due as of XX/XX/XXXX days past due as of XX/XX/XXXX,XX/XX/XXXXdays past due as of XX/XX/XXXXXX/XX/XXXXdays past due as of XX/XX/XXXX, XX/XX/XXXX Additional info Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$300.00} Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$400.00} MIDLAND CREDIT MANAGEM Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Good Evening, My name is XXXX XXXX, and Im aXX/XX/XXXXloyal customer of Bank of America. I am reaching out to anyone and everyone in your company to get some assistance. I filed a fraud claim on XX/XX/scrub> 2025. We had to wait several weeks, but we were issued a credit and thought everything was fine with our account. Fast forward to XXXX, and we awoke XXXX morning to the temporary credit being reversed with no warning. My account was frauded by a single merchant for over {$1500.00}. The fraud happened in the middle of the night at XXXX XX/XX/XXXX, it was a rapid fire attack of XXXX charges back-to-back. I noticed it by XXXXXX/XX/XXXX when I woke up. This merchant is a restaurant that I have ordered at before. My highest total ever at this restaurant was maybe {$30.00}. This restaurant isnt even open at XXXX. I reported it immediately, and I have contacted the merchant. The merchant has provided documentation to Bank of America, stating that I am not to blame and that this was indeed fraudulent. Their point of sale system was hacked. They blame Bank of America for a litany of reasons including there was no XXXX cXX/XX/XXXXe verification, it was almost a 16 % variance in my normal spending habits, it happened in a rapid fire manner in the middle of the night, the bank declined XXXX of the XXXX charges but not the other XXXX, and much much more. I went into my local branch to reopen this claim on XX/XX/XXXX and was told it was escalated. I waited XXXX full weeks, and I heard nothing, so I called back on XX/XX/XXXX. I was then told there were no notes about the escalation, but it was being re-escalated, and I would know something within XXXX business days. Today, that deadline hit, so I called back. Once again, I was told it wasnt escalated and again I would have to wait XXXX more business days. Kind Regards, XXXX XXXX

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I am formally disputing the validity and reporting of the collection account referenced. I do not recall entering into any agreement or contractual relationship with the collection agency reporting this debt. Additionally, I was never properly notified of this account as required under the Fair Debt Collection Practices Act, including the required validation notice outlining the details of the debt and my rights to dispute it. Furthermore, pursuant to the Fair Credit Reporting Act, all information reported to consumer reporting agencies must be accurate and verifiable. At this time, this account has not been properly validated and appears to be inaccurate, incomplete, or unverifiable. Due to the lack of proper notice and failure to provide validation of the alleged debt, I formally request a full investigation into this matter. If the account can not be properly verified, I request that it be immediately deleted from all consumer reporting agencies to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Credit Management calls excessive numerous times everyday. All the times I have set up payment to pay off credit card debt, my bank denies it as it shows it is an invalid/scammy company so it wont go through. This company will not stop bugging and calling XXXX days a week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
XXXX of XXXX I received a letter from M & T Bank stating my account was seriously deliquent and they were proceeding with foreclosure unless I did a loan modification because 3 payments made, authorized and processed in XXXX of XXXX were reversed in XXXX of XXXX, 9 months later. I accepted the 3 month trial period and made all payments on time so then the deliquent amount owed was suppose to be added to the end of the new loan I was approved for. So the next month I call in to make my first payment and they tell me I'm still deliquent and they won't accept XXXX payment or any payment plan that I did not accept the new loan modification and I have to pay {$5300.00} to reinstate the loan. I could not do that and called multiple times trying to make smaller payments and they would not accept them. So then I get letters stating the loan has been turned over to their lawyers and in foreclosure proceedings. The auction sale date is XX/XX/XXXX. I contacted their lawyers XXXX XXXX XXXX who told me I have 2 options. Pay off mortgage in full for {$42000.00} or pay {$7800.00} to get my mortgage loan reinstated with M & T Bank.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute the validity of the alleged debt referenced in your recent communications. This letter is a formal request for Debt Validation pursuant to 15 U.S.C. XXXX ( FDCPA ) and a Notice of Dispute regarding the accuracy of information pursuant to 15 U.S.C. XXXX ( FCRA ). I do not recognize this debt and believe the information you are reporting ( or intend to report ) is inaccurate. Specifically, I am disputing this account based on the following FCRA-related discrepancies : Ownership Discrepancy ( FCRA Dispute CXXXXe : XXXX ) : I have no record of an account with XXXX XXXX XXXXXXXX. that was transferred to LVNV Funding LLC. Balance Accuracy ( FCRA Dispute CXXXXe : XXXX ) : The amount claimed is unverified and contains unauthorized fees or interest. Verification of Identity : I request proof that I am the party legally responsible for this alleged debt. Under the FCRA ( 15 U.S.C. XXXX ( a ) ( XXXX ) ), if a consumer disputes the completeness or accuracy of any information furnished by a person to a consumer reporting agency, the person may not furnish the information to any consumer reporting agency without a notice that such information is disputed by the consumer. Accordingly, I demand the following : XXXX. A copy of the original contract or application bearing my signature. XXXX. A full " Chain of Title '' proving the legal transfer of this debt from XXXXXXXX XXXX to LVNV Funding. XXXX. An itemized breakdown of the alleged balance. XXXX. Immediate update of my credit file to reflect this account as " DEBT DISPUTED BY CONSUMER '' ( Compliance Condition CXXXXe XXXX ). Failure to properly investigate this dispute or continuing to report inaccurate information after receiving this notice may constitute a willful violation of the FCRA, for which I may seek statutory damages and attorneys fees. Please provide the requested validation within XXXX days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CA

Complaint narrative:
Dakota Funding Group is attempting to collect a debt that is legally void under California law due to their lack of a state license. Furthermore, they are engaging in abusive collection practices by ignoring a formal legal notice to stop electronic communications. They have sent XXXX ( XXXX ) automated collection messages after being legally barred from doing so. This persistent contact constitutes harassment. They are also misrepresenting the legal status of the debt by claiming I have an obligation to pay a contract that is void under XXXX XXXXXXXX XXXX XXXX. I believe this company is a 'rent-a-tribe ' operation attempting to evade consumer protections.

Company response to consumer: Closed with explanation