vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Americas Car-Mart, Inc.
State: TX

Complaint narrative:
FCRA Violation Illegal Re-Aging and Inaccurate Reporting of Auto Repossession I am filing a formal complaint regarding an auto repossession being reported by Americas Car-Mart that appears to violate the Fair Credit Reporting Act ( FCRA ), specifically 623 ( a ) ( 5 ) and 623 ( b ). 
The account was repossessed in XXXX. However, my XXXX  credit report shows this account continuing to report monthly RPO ( repossession ) activity and balance updates through XXXX and XXXX. This ongoing reporting creates the appearance of a more recent delinquency and is inconsistent with the actual date of first delinquency. 
Under the FCRA, furnishers are prohibited from re-aging accounts or reporting inaccurate dates of delinquency. A repossession is a one-time event, not a recurring monthly status, and continued monthly updates years later constitute misleading and inaccurate reporting. 
Additionally : The balance continues to update despite the account being closed The reporting pattern artificially suppresses my credit score Prior disputes have resulted in verification without any evidence of a lawful reinvestigation I am requesting that : Americas Car-Mart provide written documentation verifying the true Date of First Delinquency ( DOFD ) The account be corrected to reflect accurate historical reporting OR The account be deleted entirely if accurate reporting can not be substantiated I am requesting that the CFPB investigate this matter and require the furnisher to comply with all FCRA reporting requirements. 
Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
this collections agency failed to provide me with debt validations letter and Under 15 U.S. Code 1692g, debt collectors are required to send a letter within five days of their initial communication. This letter must include : The amount of the debt owed. The name of the creditor to whom the debt is owed. A statement that if the consumer disputes the debt within thirty days, collection efforts will cease until the debt is validated so they violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: CA

Complaint narrative:
This relates to Cash App. 

I want to exercise my right to delete all of my personal information. There are no clear instructions for how to do this on the Cash App website. I spoke to the XXXX about how to delete my information. It instructed me to first " close '' my account, which I did. It told me that after closing the account, I should log in and then request deletion of all personal information. 

However, after closing my account, I'm no longer able to log in and must create a new account. 

Closing my account is not the same thing as deleting my personal information. 

I want to delete all personal information that Cash App has about me. The company does not provide any easily accessible way to reach their customer support. None of these email addresses is active or works : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: NY

Complaint narrative:
* * Subject : Willful Violation of Regulation E and Support of Illegal Merchants ( Block, XXXX ) * * * * Description of Complaint : * * I am a victim of a XXXX XXXX XXXX XXXX scheme totaling * * {$34000.00} * *. I am filing this complaint because Cash App ( Block, Inc. ) is willfully violating the Electronic Fund Transfer Act ( Regulation E ) by manipulating my dispute timeline to avoid issuing legally required provisional credit. 

* * XXXX. Violation of Regulation E ( 12 CFR 1005.11 ) - Timeline Manipulation * * * * * Fact : * * I formally reported these unauthorized transfers to Cash App on * * XX/XX/XXXX * * [ XXXX ]. 
* * * Violation : * * Under 12 CFR 1005.11 ( c ), if an investigation takes longer than XXXX business days, the institution * must * provide provisional credit. 
* * * Evidence of XXXX XXXX : * * Cash App Support has arbitrarily reset my " file date '' to * * XX/XX/XXXX * * ( XXXX  days after my initial report ) to evade the XXXX rule. I have chat logs ( XXXXXXXX XXXX XXXX XXXX ) admitting the dispute was " flagged '' earlier but claiming the system reset the date [ XXXX ], [ XXXX ]. 
* * * XXXX XXXX : * * It has been over XXXX business days since my XX/XX/XXXX notice. Cash App has neither resolved the error nor issued the required provisional credit of {$34000.00} [ XXXX ]. 

* * XXXX. Facilitation of Illegal Activity ( XXXX XXXX  ) * * * The merchants ( XXXX, XXXX XXXX, XXXX XXXX XXXX ) are XXXX XXXX  entities operating illegally in XXXX XXXX 
* These merchants used deceptive Merchant Category Codes ( XXXX ) to disguise gambling transactions as retail purchases ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) [ XXXX ]. 
* By processing these payments, Cash App is in violation of * * XXXX XXXXXXXX XXXX XXXX * * ( Chapter XXXX, Laws of XXXX ), which explicitly prohibits payment processors from supporting unlicensed sweepstakes/gambling operations [ XXXX ], [ XXXX ]. 

* * XXXX. Request for XXXX * * I demand the CFPB compel Block, Inc. to : XXXX. Immediately issue the * * {$34000.00} provisional credit * * owed to me under Regulation E. 
XXXX. Correct the dispute file date to the actual date of notice : * * XX/XX/XXXX * *. 
XXXX. Conduct a forensic audit of the merchant " XXXX XXXX XXXX, XXXX '' ( XXXX ) for transaction laundering. 

* * Reference Numbers : * * * FBI XXXX Complaint ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Case : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Attorney General Case : XXXX [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
citibank says i owe {$880.00} and this account isnt mine. What steps were taken to verify identity?

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 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate payment history being reported by Santander XXXX XXXX  on my credit report. 

Prior to the first scheduled payment on this account, I notified Santander that my income had been significantly reduced and that I could no longer afford the vehicle. I attempted to return the vehicle to the dealership ; however, the dealership and Santander failed to accept the return of the vehicle and allowed the account to remain active. 

Despite being notified in advance, Santander did not properly resolve the situation and instead reported late payments. This payment history does not accurately reflect the circumstances and is the result of creditor mishandling. 

I am requesting that this account be investigated and that the late payments be corrected or removed, as they are inaccurately reported. If Santander is unable to provide proper verification that these late payments were correctly reported, they must be deleted in accordance with the Fair Credit Reporting Act. 

Please complete your investigation and update my credit file accordingly. 

Sincerely, [ Your Full Name ] XXXX XXXX [ Your Date of Birth ] XX/XX/year> [ Your Current Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am requesting a formal review of Chase 's decision regarding a transaction with XXXX XXXX My previous dispute was denied based on the merchant 's " no-refund '' policy. However, Chase failed to investigate the legality of the transaction. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The merchant sold XXXX XXXX in XXXX XXXX XXXX  ( see attached photos ). These products contain no XXXX XXXX XXXX XXXX' no ingredient list, no manufacturer information, and no expiration date, which is a direct violation of XXXX regulation 21 CFR 101.36. 

Discovery of Fraud : As a consumer, I recently discovered that these products are considered XXXX XXXX XXXX XXXX and are XXXX XXXX XXXX in the XXXX under XXXX and XXXX law. A " no-refund '' policy can not legally be enforced on a transaction involving XXXX XXXX. 

Bank 's Failure to Comply : Chases XXXX office ( Reference : XXXX ) acknowledged the transaction was for XXXX XXXX XXXX XXXX  but ignored the fact that these are XXXX XXXX Supporting such transactions poses a significant risk to consumer health and banking compliance. 

I request Chase to reverse these charges ( {$1700.00} ) as the merchant provided XXXX XXXX XXXX  instead of the professional services/products promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting and illegal re-aging by Portfolio Recovery Associates. 

The original XXXX XXXX account was closed and charged off in XXXX. However, Portfolio Recovery is reporting this collection account as open since XX/XX/XXXX with a recent reporting date of XX/XX/XXXX, which is factually incorrect and misrepresents the true Date of First Delinquency. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c ), a debt collector may not re-age a collection account or report dates that make the debt appear newer than it is. The reporting by Portfolio Recovery inaccurately extends the reporting period and is misleading. 

Additionally, the account lacks accurate payment history, last payment date, and past-due information, further calling into question its accuracy and compliance. 

I have disputed this account with the credit bureau. Despite this, they have continued to verify inaccurate information. 

Resolution Requested Immediate correction or deletion of the tradeline Verification of the original Date of First Delinquency consistent with the XXXX closure Written confirmation that inaccurate reporting has ceased I am requesting that the CFPB investigate this matter and require Portfolio Recovery Associates to comply with federal credit reporting laws. 
I also requested The Date of First Delinquency The charge-off date The account closure date Confirmation of the date the account was sold or transferred to a third party Confirmation that no activity occurred after charge-off with no response from anyone

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On or about XX/XX/XXXX, Midland Credit Management contacted me regarding an alleged debt. On XX/XX/XXXX within the XXXX period, I sent a written request for debt validation under XXXX U.S.C. XXXX via certified mail, which was received. Midland Credit Management did not provide validation within the statutory period and did not supply proof of the debt or their authority to collect. The validation period has expired, yet the account has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT BUREAU OF NAPA COUNTY, INC.
State: PA

Complaint narrative:
XX/XX/XXXX : Received mail from XXXX  XXXX  saying they are trying to collect an {$800.00} debt, claiming I owe to XXXX XXXX XXXX. XXXX XXXX, and request me to respond by XX/XX/XXXX. However, I didn't recognize this provider and wasn't aware of having reserved any services with them ( I also have XXXX XXXX insurance that should cover 100 % of in-network services ). 

XX/XX/XXXX : Called XXXX XXXX ( XXXX ) to dispute the debt and request full validation of this debt ( call history attached ) ; Called XXXX XXXX XXXX. XXXX XXXX. XXXX times with the number I found from XXXX Maps ( XXXX ), but no one answered the call. 

XX/XX/XXXX : Disputed the debt and requested full validation again via a priority mail to XXXX XXXX ( delivery date XX/XX/XXXX, mail content and XXXX receipt attached ). 

XX/XX/XXXX : XXXX XXXX ignored my dispute & request for validation, continued sending mails to me for collection.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Need to know what steps To verify this account is. I don't have knowledge of this account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Between approximately late XXXX and XXXX, an individual we trusted through our church community fraudulently used my and my husbands credit cards without authorization. On or around XX/XX/XXXX, he instructed us to use our personal credit cards to show a temporary investment for an XXXX visa application and promised the money would be returned within one week. Instead, he conducted cash advances, failed to return two credit cards, and later accessed my husbands credit card account without permission. He ordered an additional card under another persons name and used it repeatedly. Over approximately six weeks, about {$50000.00} in charges were made on our credit cards. The transactions included clear personal expenses ( such as food delivery services ) and were not legitimate business expenses. We did not authorize these charges. When confronted, he attempted to repay the money by scheduling bank transfers, but all payments failed due to insufficient funds. He repeatedly made false excuses and provided misleading information. In a recorded phone call, he admitted that : He used our credit cards for personal expenses He lied about the purpose of the charges He impersonated other individuals using different phone numbers No immigration or visa applications were ever filed We promptly reported the unauthorized transactions to Chase Bank submitted extensive supporting evidence, including transaction records and admissions of fraud. Despite this, the bank denied our fraud claims and informed us that we are responsible for repaying the charges. As a result, we are facing approximately {$55000.00} in financial loss, along with significant emotional distress, despite clear evidence of unauthorized use and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
this collections agency failed to provide me with debt validations letter and Under 15 U.S. Code 1692g, debt collectors are required to send a letter within five days of their initial communication. This letter must include : The amount of the debt owed. The name of the creditor to whom the debt is owed. A statement that if the consumer disputes the debt within thirty days, collection efforts will cease until the debt is validated so they violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Velocity Portfolio Group
State: CO

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by the above-named company that appears on my consumer credit reports. I dispute the accuracy and completeness of this account. Despite prior disputes, the collection agency continues to furnish this information without providing evidence of a reasonable reinvestigation, as required under the Fair Credit Reporting Act, 15 U.S.C. 1681i. The furnisher has failed to provide competent verification demonstrating that the information reported is accurate, complete, and legally reportable. Specifically, I have not been provided with documentation establishing : The existence of a valid underlying obligation The collection agencys legal authority to collect and report this debt The accuracy of the reported balance, dates, and account status Compliance with FCRA reporting requirements Automated or conclusory confirmations do not constitute a reasonable reinvestigation under 1681i. Absent proper verification, continued reporting of this account is inaccurate and misleading. Under the FCRA, furnishers are required to investigate disputed information, correct or delete information that can not be verified, and refrain from continuing to report unverifiable data. I am requesting that the CFPB require the collection agency to : 1. Provide full documentary verification supporting the accuracy and legal authority of this account ; or 2. Immediately delete this collection account from all consumer reporting agencies. Continued reporting without proper verification may constitute willful or negligent noncompliance with the Fair Credit Reporting Act. I am seeking resolution to ensure my consumer file reflects only accurate, verifiable information as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
this collections agency failed to provide me with debt validations letter and Under 15 U.S. Code 1692g, debt collectors are required to send a letter within five days of their initial communication. This letter must include : The amount of the debt owed. The name of the creditor to whom the debt is owed. A statement that if the consumer disputes the debt within thirty days, collection efforts will cease until the debt is validated so they violated my right.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
This company been since day XXXX applying fake and incorrectly applying interest rates to payments and overly charging me and keeping loan open longer then theyre supposed to by extending on theyre own extensions just not to close out loan and apply way too much interest over the original loan not XXXX payment i made reflected overall and they keep charging me interest on top the actual loan amount so the principal balance is rising and reflecting i owe more then the original amount and they dont want to close out the loan so they can charge me fraudulently i have not made a payment in over a year they still have not closed loan and keep harassing me and scamming me they need to be looked at and sued

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/scrub>XXXX XXXX I received an offer from PayPal to open a PayPal Credit Account operated by Synchrony Bank. My very first & second payments for the charge account were returned, and a make-up payment for the 1st payment was also returned. After some due-diligence on my part with no help from PayPal customer service I found that PayPal was billing my payments to my Membership Account Number at my Credit Union of which I did not authorize. There automated system was doing this even though when I made the electronic payments online I had checked to drawl the payments from my checking account. So in good faith over a 2 week period after I discovered the error and what was actually going on I made 3 good payments, however Snchrony Bank has already closed my account and states they can not do anything because 2 payments were missed. PayPal states it was not there fault for un-authorized payments to the wrong account, and Snchrony refuses any further help! This is so Outrageous as never did 30 days pass and multiple payments were made by me in Good Faith during the mess to find the cause for payment returns. It appears Synchrony does not need customers!

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 2026-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
Car was financed/purchased XX/XX/year>. The negotiated price was XXXX. There was no rollover from a previous loan. The financed amount included tax, fees, etc. 

To date, I have paid {$16000.00}. I still owe {$32000.00}. How is this possible? 

I have paid this timely ; however, Ally always reports the loan as delinquent. Ally has completely ruined my credit. As such, I can not refinance the loan or trade/purchase another vehicle. I filed a complaint with XXXX  ( they, of course, did nothing ). 

Given all the money I have paid, I want all fees to be waived. I want my credit report to reflect on time/paid as agreed payments. I want my next payment ( {$760.00} ) to be due on XXXX XXXX. 

Ally is ripping off working people. Their business practices are straight up evil. Further, they approved a payment pause for XX/XX/year>, but this was never applied to my account. 

If you message, you never receive a response. 

Their behavior is predatory and egregious. 

Thank you.

Company response to consumer: Closed with explanation