vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I received separate alerts from the three credit agencies about a reduction in my credit score due to debt marked uncollectable ( XXXX first, around XX/XX/XXXX, then XXXX and XXXX more-or-less simultaneously, around XX/XX/XXXX ). I have never received a communication about either the original charge, or the attempted collection. I received no information about the charge in the credit alert except that it was being collected by an entity called " EASTERN ACCOUNT SYSTEM, INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed in all three cases. The dispute was originally accepted for XXXX, but then later rejected. XXXX XXXX XXXX both rejected my dispute, but I finally learned that the original entity made the claim was XXXX XXXX XXXX, an entity I have not done business with for many years. I called Eastern Account System on XX/XX/XXXX to dispute the claim and request more information, through their automated system. I have yet to receive a response. It is my suspicion that this charge is the result of credit fraud, but nobody has yet provided me with any information that I could use to indicate that that is the case, or even affirmatively communicated with me about the charge in any way, through any medium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing a credit card charge of {$790.00} related to a flight booking made through XXXX. After receiving the ticket, I checked the ticket number and booking code with XXXX XXXX and found that both were invalid and did not exist in the airline system. I immediately contacted the merchant and requested cancellation and a refund, but they delayed and did not process the cancellation. On XX/XX/XXXX I contacted Bank of America and was advised to wait until the transaction posted before filing a dispute. I later filed a dispute and provided evidence showing the ticket was fake and could not be verified by XXXX XXXX. I also discovered an additional charge of {$170.00} made on XX/XX/XXXX in the XXXX XXXX while I was physically in XXXX. I believe this charge was unauthorized and related to the same merchant. I faxed documentation to Bank of America including screenshots proving the airline ticket number and booking code do not exist and proof of my actual flight booking through XXXX which I used for my travel to XXXX. Despite this evidence, Bank of America denied my claim stating the merchant was able to provide the service, which contradicts the airline verification. I am requesting that the dispute be reviewed again based on the evidence that the ticket issued by the merchant does not exist and the service could not be provided.

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 2026-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
In XX/XX/year>, I had XXXX solar panels installed at my home through XXXX XXXX. The system was sold to me by salesperson XXXX XXXX, who stated that the solar system would eliminate my electric bill. This promise was a major factor in my decision to proceed with the solar installation and the financing arranged through GoodLeap. However, I was not provided with any written production estimate or savings analysis to support that claim. After installation, I continue to receive significant electric bills in addition to my monthly solar loan payment. The system has not performed as represented. I contacted the installer to address the issue but did not receive a satisfactory resolution. I have since filed complaints with the Texas Attorney General and the XXXX XXXX XXXX I also contacted GoodLeap and requested a review and investigation of the loan due to the sales representations made during the transaction. I am requesting that GoodLeap review the origination of this loan and determine whether the financing was issued based on misleading sales representations regarding the performance of the solar system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Consumer Financial Services Solutions, Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against Beyond Finance for the unauthorized and illegal collection of a performance fee totaling {$3100.00}. I was enrolled in a debt settlement program with Beyond Finance for an XXXX XXXX account. My dedicated savings account for this program is held and managed by XXXX XXXX XXXX XXXX XXXX / XXXX ). During the program, I successfully negotiated and settled my debt with XXXX XXXX independently and entirely outside of Beyond Finances services. Beyond Finance did not provide a settlement offer, did not negotiate with the creditor, and did not facilitate the final agreement I reached with XXXX XXXX. Despite their lack of involvement, Beyond Finance directed XXXX to withdraw {$3100.00} from my account as a " resolution fee. '' Under the FTC Telemarketing Sales Rule ( 16 CFR 310.4 ( a ) ( 5 ) ( i ) ), a debt relief provider is strictly prohibited from collecting any fee unless they have personally " renegotiated, settled, reduced, or otherwise changed the terms '' of the debt. Because I achieved this settlement through my own direct negotiation, Beyond Finance has not legally earned this fee. Charging a XXXX % " success fee '' for work they did not perform is a deceptive and unlawful practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
In XX/XX/year> my wife and I enrolled in a credit repair program with a company called 700 Credit Repair. We paid approximately {$1700.00} over time for the service. The purpose of the service was for the company to prepare and send dispute letters to the credit bureaus to challenge negative items on our credit reports. After being in the program for an extended period of time, I contacted the credit bureaus directly and was informed that there was no dispute activity recorded during several of the months in question. Because of this, I requested documentation from the company showing that dispute letters were actually sent on my behalf. Specifically, I asked for copies of the dispute letters and proof of mailing such as USPS tracking numbers, certified mail receipts, or delivery confirmations showing that disputes were sent to XXXX XXXX XXXX XXXX The company claimed that disputes were sent but did not provide verifiable proof of mailing or delivery documentation. Without that documentation, I can not verify that the services I paid for were actually performed. Because the core service can not be verified, I requested a refund for the amount paid. The company refused to issue a refund. I am requesting that the company either provide verifiable documentation showing that the dispute services were completed or issue a refund for the amount paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: AL

Complaint narrative:
CFPB COMPLAINT Midland Credit Management ( Failure to Respond to Debt Validation Request ) Company : Midland Credit Management ( MCM ) Issue : Failure to provide debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ) Complaint : I am filing this complaint because Midland Credit Management has failed to provide validation of a debt after I submitted a written request. On XXXX XXXX, I sent Midland Credit Management a timely written debt validation request in response to their collection attempts. My request was sent via certified mail and received by the company on XXXX XXXX according to USPS tracking. Despite receiving my request, Midland Credit has not provided any of the required information, such as : Proof that the alleged debt is mine Forward Flow Agreement for debt collection ), Documentation showing Midland Credit has the legal right to collect this debt Bill of Sale / Chain of Assignment Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector is required to cease collection efforts until proper validation is provided. Their failure to respond to a proper validation request and continued collection activity appears to be a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
I recently discovered a collection account reported by Debt Recovery Solutions on my credit report that I do not recognize. The account is being reported with inaccurate information, including listing the collection agency as the original creditor. I have not received any documentation showing that this account was opened using my Social Security number or that I am legally responsible for this debt. I have requested validation of the alleged debt and proof that the account belongs to me. Until proper verification is provided, this account should not be reported on my credit file. I am requesting that Debt Recovery Solutions provide full documentation verifying the debt or remove the account from my credit report with all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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: PA

Complaint narrative:
I am formally disputing this {$410.00} debt reported by Waypoint Resource Group ( listed on my credit report as Waypoint Resource Gr ). I do not recognize this debt, and Waypoint is not the original creditor. I have never received any documentation proving that I am responsible for this account. This account is fraudulent and is hindering me from establishing credit, which is preventing me from qualifying to buy a home. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), Waypoint Resource Group is required to provide proper validation of the debt. Since they can not provide legitimate proof that I owe this debt, it must be immediately removed from my credit report. I demand that all references to this account be fully deleted from my credit file. Additionally, I request that my personal information not be sold, shared, or distributed to any other party. Failure to comply will leave me with no choice but to escalate this matter, including potential legal action and complaints to all relevant federal authorities.

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 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against Equifax regarding two collection accounts reported by XXXX XXXX XXXX ( account numbers ending in XXXX and XXXX ). These accounts are inaccurate, incomplete, and potentially fraudulent. On XX/XX/year>, I sent Equifax a formal written dispute requesting a full investigation under the Fair Credit Reporting Act ( FCRA ). I also requested copies of all documents used to verify the accounts and demanded that Equifax stop reporting the accounts during the investigation. Equifax has continued reporting both accounts without providing any documentation proving their accuracy or legality. Issues with Equifax : They have not provided any evidence or documentation validating the accounts. They failed to conduct a reasonable and documented investigation as required under 15 U.S.C. 1681i ( a ). They did not provide the required disclosures under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) regarding the sharing of my nonpublic personal information. They have not demonstrated that they maintain reasonable procedures to ensure maximum possible accuracy as required under 15 U.S.C. 1681e ( b ). They have continued reporting the accounts despite my dispute, which is a violation of federal law. What I am requesting from the CFPB : Require Equifax to provide all documents used to verify these accounts. Require Equifax to delete both collection accounts if they can not produce legally valid evidence. Require them to provide the GLBA-required disclosures regarding the sharing of my personal information. Require them to stop reporting the accounts during the investigation. These accounts are harming my credit profile, and Equifax has not complied with federal law in handling my dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CL Holdings LLC
State: KY

Complaint narrative:
I am writing to formally dispute an account that is currently being reported on my credit report. This account appears to be reported twice under two different companies, which is inaccurate and misleading. Additionally, the account status is inconsistent. It is being reported as open, while the comments indicate that the account has been closed. This conflicting information is confusing and suggests that the reporting may be incorrect. I do not have any knowledge of this account and do not recall authorizing or opening it. Because of these discrepancies, I believe my personal information may have been compromised in a data breach or used without my authorization. This inaccurate reporting is negatively impacting my credit score. I am requesting that you conduct a full investigation into this matter. If you can not verify that this account was legitimately opened and accurately reported under my name, I request that it be removed from my credit file immediately. Please also ensure that the duplicate reporting is corrected or deleted. I ask that you notify the credit bureaus and provide written confirmation once this matter has been resolved. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
On XX/XX/year>, at approximately XXXX p.m. XXXX XXXX XXXX XXXX XXXX XXXX, I received an incoming phone call from a representative of Midland Credit Management ( also known as Midland Credit XXXX or MCM ), a third-party debt collector. The call went to voicemail, and an employee identifying themselves as XXXX left a message regarding an alleged debt. My location is XXXX, XXXX ( XXXX XXXX XXXX ), and the call occurred well after XXXX p.m. local time. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( a ) ( 1 ), debt collectors are prohibited from communicatingor attempting to communicatewith consumers at inconvenient times. In the absence of prior consent or specific knowledge to the contrary, convenient hours are presumed to be between XXXX a.m. and XXXX p.m. in the consumers local time zone. Placing this call and leaving a voicemail at XXXX p.m. XXXX constitutes a violation of this time restriction, as voicemails are treated as attempts to communicate under FDCPA rules and CFPB/FTC guidance . I have verifiable proof of the incident, including : Phone call logs showing the incoming call timestamp at XXXX p.m. XXXX on XX/XX/year>. The saved voicemail recording, which includes the message left by the representative named XXXX. This was an unsolicited contact from Midland Credit Management in connection with debt collection. I did not provide prior consent for contact after XXXX p.m. local time, and I have no reason to believe the collector had specific knowledge that this time was convenient for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to request consideration for my current financial situation regarding the credit card account associated with Capital One. I am experiencing significant financial hardship and am unable to make any payments at this time. Additionally, this account is negatively affecting my credit score despite being closed, which adds further stress to my financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report and appears to be inaccurate and improperly validated. A collection account from Jefferson Capital systems llc in the amount of {$700.00} is currently being reported on my credit report. I dispute the validity and accuracy of this alleged debt and the manner in which it is being reported. Under XXXX XXXX. XXXX of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying the debt, including but not limited to a signed agreement, original account statements, or documentation proving that I am legally responsible for the alleged obligation. Additionally, under XXXX XXXX. XXXX of the FDCPA, debt collectors must follow strict guidelines regarding communication with consumers and may not engage in practices that violate consumer protections established under federal law. Furthermore, under XXXX XXXX. XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper validation and documentation raises serious concerns about the accuracy and compliance of this reporting. The continued reporting of this account without proper verification is causing harm to my credit profile and may constitute a violation of federal consumer protection laws. Therefore, I am requesting the following : XXXX. A full investigation of this account and the reporting practices related to it. XXXX. Complete validation of the alleged debt as required under XXXX XXXX. XXXX. XXXX. Proof of reasonable procedures used to ensure maximum possible accuracy as required under XXXX XXXX. XXXX ( b ). XXXX. Immediate deletion of the collection account from all consumer reporting agencies if the debt can not be fully verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this debt, I request that the account be removed from my credit reports immediately and that all credit bureaus be notified of the correction. Thank you for your attention to this matter and for ensuring that my consumer rights are protected under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Was in a XXXX trading platform XXXX when I went to withdraw my profits from my trading account I made a little mistake that is what they said to me. My account was frozen to open it again I had to get verified again 1 part wss driver license verification next one blew me away they told me I had to add to my account 40 percent of my profit wich add up to be XXXX XXXX and some change. They have all my money I was told to apply for a loan i not in a position to do this. So iam out of approximate XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, my Bank of America credit card was supposed to have an autopay for the statement balance. The autopay never happened, causing my card to have a hold on it, and for interest to be charged. I was never given any notice by the company. After calling customer service, they told me that I didn't to anything wrong, and that a few weeks ago ( at the time of this issue ) many customers ' autopay also failed, meaning it was an issue with their system. Secretly dropping autopay with no notice is intentionally malicious behavior that forces interest to be charged. I only found out because I tried to make a transaction with the card, and it failed.

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