vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-25 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: IL

Complaint narrative:
MIDLANDCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRED 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 2026-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
i received a call from someone stating that they was from Bank of America and they said that a transaction was trying to post for XXXX dollar and was i aware or trying to make that transaction which i stated to him no... then he proceed to say that he saw XXXX XXXX transaction that was post dated to take place on XX/XX/year> and XX/XX/year>.. XXXX for XXXX and XXXX for XXXX which i did not recognize those XXXX transaction which i told him m so said that he would cancel them both our. But on them days the transaction went thru, and the money was XXXX from my account to a XXXX bank. i have file a police report and been to Bank of America several time trying to get my money back and have appealed my claims that both was denied. the costumer service person cancel out my debit card and sent out another one .. give me his name and what was his bank id .. I took all that to the bank and the XXXX stated that the id number wasn'tAfter she called to check. one that they use and noone work for them with that name... need my hard earn money if you can please help.

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 2026-03-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: OK

Complaint narrative:
This account is a repossession that was reported and later verified on my credit report. After the repossession, I requested documentation including notice of sale, sale date, sale price, and a full breakdown of the deficiency balance. I did not receive any response or documentation from the company. Despite this, the account continues to be reported with a remaining balance. Without providing the required repossession and sale documentation, the accuracy and legality of this balance can not be verified. I am requesting that the company provide full documentation or remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: MN

Complaint narrative:
I took out a {$700.00} loan and the interest is 697.27 % with bi-weekly payments of XXXX. This interest rate is illegal in my state.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC
State: MA

Complaint narrative:
I went to go pay my mortgage that was due on XX/XX/XXXX and found out that my mortgage had been transferred to Cross Country Mortgage. We got their number and called on XX/XX/XXXX asking for more information. We were told we would get a letter. The next week, we got a letter and were told we would not be able to sign on to the website to access the loan until after XX/XX/XXXX. After XXXX I tried to sign on to the account and got an error code XXXX. I called the customer service line and had issues with their automatic phone tree not even giving me a moment to respond. After several unsuccessful attempts, I was able to speak with a person. The person verified that it was not a problem on my end but rather a problem on their end and placed and XXXX ticket. I had to go through this again on XX/XX/XXXX when I still hadn't heard anything about the issue being resolved. Every time I called, I would go through the same troubleshooting steps such as clicking a link in my email, resetting my password, etc. Today, XX/XX/XXXX, I called and was told they can not help because I am not currently registered on the website and am not considered registered until I add the loan to my online account. However, the issue that I am reporting is not being able to add the loan to my account due to the error. The escalations person I spoke with said that they can not create IT tickets for me because I have not added the loan to my account. Which means, the last XXXX people who supposedly submitted on my behalf lied because tickets can not be created. I am being denied access to my mortgage and financial information and can not check how the payment is being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing regarding the above-referenced account. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I hereby request that you cease and desist all communication with me regarding this debt. You are instructed to stop contacting me by phone, email, text message, or any other means, except as permitted by law to notify me of specific actions, such as termination of collection efforts or any legal remedies you may intend to pursue. Please be advised that any further communication beyond what is legally allowed will be documented and may be reported to the appropriate authorities, including the Consumer Financial Protection Bureau and my State Attorney Generals office. This letter is not an acknowledgment of the debt, nor is it a refusal to pay. I am simply exercising my rights under federal law. Please confirm in writing that you have received this request and that you will comply. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
This is a time-sensitive emergency involving a medical situation and urgent need for funds. My Chase account was abruptly closed without clear explanation, and I was informed that my remaining balance would be held for XXXX business days before being returned to me. I contacted Chase multiple times and explained that I am currently dealing with a serious family emergency involving a life-threatening situation overseas, and I urgently need access to my funds to assist my family. Despite this, I was given repeated scripted responses with no real explanation, no escalation, and no options to access my own money sooner. I understand that banks may have internal policies and compliance procedures, but completely restricting access to my funds during an emergency, without any flexibility or expedited option, is unacceptable and has caused significant distress. I am requesting immediate escalation of this issue and an expedited release of my funds, or at minimum a clear and justified explanation for the account closure and hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: OH

Complaint narrative:
I am filing this complaint because I am caught in a loop between XXXX and Chime regarding XXXX documented refunds. XXXX issued XXXX partial refunds for XXXX and XXXX on XX/XX/XXXX and XX/XX/year>. I have attached screenshots from the merchant showing these refunds were issued. XXXX states the funds were released and they have done their part. However, Chime claims they have received nothing on their end. It has been about XXXX days and these credits have never appeared in my account. Chime has failed to locate these funds or provide a provisional credit while they investigate. Because the merchant-promised corrections have not been honored and the bank is not resolving the discrepancy between the XXXX systems, I am now disputing the full XXXX transaction. I am seeking a full refund to resolve this documented failure to process my credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Albert Corporation
State: FL

Complaint narrative:
I signed up with XXXX an application that claims to fix credit and help you improve finances. In order to use the app you must connect to it with both a checking account and debit card. The app has done nothing that it has advertised I have tried to locate the option to cancel the account many times with no success. I removed my card from the application and now it charges my bank account a XXXX subscription fee monthly when i try to cancel XXXX tells me i have to first cancel my savings account with them which has a balance of about XXXX dollars right now when i try to cancel the savings it says you need a minimum of XXXX dollars saved to close the account. they are requiring me to give them a new debit card to withdraw money from and add to the savings to cancel their " savings account. I have sent emails there is no response and they continue to charge me monthly as a debit

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am filing a complaint against multiple debt collection agencies for engaging in unlawful collection practices and credit reporting violations under the FDCPA and FCRA. After disputing the alleged debts and requesting validation under 15 U.S.C. 1692g, the companies failed to provide sufficient documentation proving I owe the debts, such as signed agreements, chain-of-title records, ownership proof, or a full account breakdown. Despite this, they continue collection efforts and may be reporting unverified information to credit bureaus. These actions potentially violate several provisions of federal law, including failures to validate debts, misleading representations, unfair practices, improper collection activity, and inaccurate credit reporting. Overall, their conduct suggests a pattern of attempting to collect debts without proper documentation while furnishing potentially inaccurate information, which may expose them to legal liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
I have been inundated with continual request to " apply '' for their credit card. I have unsubscribed and blocked their contact numerous times for over XXXX months. Today, XX/XX/year>, I contacted their customer service. Ironically, the pre recorded information states " we are a debt collection company '' ; however, I thought they were a credit card company. I spoke with a Rep and advised that I wanted them to cease their relentless pursuit of me via email to apply for the Indigo Mastercard. The Rep placed me on hold an advised that she could not do anything to assist me. I just can not get them to stop. I am going to write to Indigo vs. trying to " unsubscribe '' again as that has not worked. I doubt nothing will stop this intrusion unless your office sends them a direction to cease communicating with me. The Rep advised they were located in XXXX XXXX however, the address on the email states I can write them at an address of : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
I am filing this complaint regarding unauthorized electronic fund transfers associated with my Cash App account ( Case # XXXX ). My mobile device was compromised, and shortly thereafter unauthorized transactions were made from my account. I promptly secured my account and reported the unauthorized activity to Cash App. I filed a dispute in accordance with Cash App procedures. My claim was denied. However, Cash App has failed to provide any documentation, evidence, or explanation supporting their denial. On XX/XX/year>, I sent a formal written notice requesting that Cash App : 1. Reopen my claim, and 2. Provide the complete investigation file, including all evidence and findings used to deny my dispute I provided a 24-hour deadline for response. Cash App failed to respond and has not provided any of the requested information. To date, Cash App has : - Denied my claim without providing supporting evidence - Failed to respond to formal written requests - Failed to provide documentation of their investigation - Demonstrated a lack of a reasonable investigation into unauthorized transactions This raises serious concerns regarding compliance with the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E ( 12 C.F.R. 1005.11 ), which require financial institutions to conduct a reasonable investigation and provide the basis for their findings. I am requesting that Cash App be required to : - Provide the full investigation file and all supporting documentation - Reopen the dispute and conduct a proper investigation - Issue reimbursement for the unauthorized transactions if they can not substantiate their denial This matter remains unresolved and requires immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing multiple collection accounts reported under LVNV Funding LLC due to inaccurate, inconsistent, and potentially duplicative reporting. XXXX separate accounts are currently being reported on my XXXX credit report in the amounts of {$630.00} and {$280.00}, while only XXXX account appears on my XXXX credit report. This inconsistency between credit bureaus raises serious concerns regarding the accuracy and reliability of the information being reported. Additionally, I am receiving collection communications from Resurgent Capital Services regarding these accounts, while LVNV Funding LLC is the entity reporting them. This creates confusion regarding the true ownership of the debt and which entity has the legal authority to collect. Under the Fair Credit Reporting Act, all information must be accurate, complete, and not misleading. The discrepancies between credit bureaus, combined with the involvement of multiple entities, make this reporting unreliable and potentially deceptive. I am requesting the following : Full validation of each account, including the original creditor and complete account history Documentation proving that LVNV Funding LLC has legal ownership of the debt Verification that Resurgent Capital Services has authority to collect on behalf of LVNV Funding LLC Confirmation that these accounts are not duplicate or improperly split accounts If this information can not be fully verified, I am requesting immediate deletion of all related accounts from my credit reports. Failure to correct these inaccuracies will result in escalation through the Consumer Financial Protection Bureau and further legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: TX

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 non-monetary relief
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I am submitting this complaint to the Consumer Financial Protection Bureau regarding inaccurate credit reporting by XXXX XXXX XXXX related to my auto loan account. This auto loan has been paid in full, and the balance is {$0.00}. However, the account is currently being reported to the credit bureaus as having a balance and/or a negative status. This information is incorrect and is negatively impacting my credit profile. I have made attempts to address this issue ; however, the inaccurate reporting has not been corrected. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. Reporting a paid account as negative or with a balance is a violation of these requirements. I respectfully request the following : A full investigation into this matter Immediate correction of the account to reflect Paid in Full with a {$0.00} balance Removal of any negative or derogatory information associated with this account Written confirmation once the corrections have been completed I am prepared to provide documentation verifying that this account has been paid in full. This matter is time-sensitive, as it is adversely affecting my creditworthiness. I appreciate your prompt attention and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. XXXX that you are licensed to collect debts in.

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 2026-03-25 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: AZ

Complaint narrative:
On XX/XX/year>, I was charged {$320.00} by XXXX on my American Express credit card. I requested a refund within the merchants stated XXXX refund period, as shown in my receipt. I submitted a refund request through XXXX support chat and received a confirmation that my request had been received. The refund policy provided to me referenced a XXXX refund window and did not disclose any requirement to complete a separate cancellation confirmation within a limited time in order for the refund to be processed. After submitting the refund request, the process required an additional confirmation step related to cancellation. This requirement was not clearly disclosed at the time of purchase or at the time I submitted my refund request. My request was later marked as expired and closed without the refund being processed. I filed a dispute with American Express and provided supporting documentation, including the receipt showing the XXXX refund policy and evidence of my refund request. However, American Express denied the dispute without clearly explaining how the merchants response justified the charge, particularly given the stated refund policy. I requested further clarification, including the specific evidence reviewed and the reasoning behind the decision. The response I received did not adequately address these issues. As a result, I believe the dispute was not properly investigated or fairly resolved. I am requesting that this matter be reviewed and that the charge be refunded or corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-25 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: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, 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