vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 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:
b'RE: Formal Complaint - Failure to Validate Debt (Midland Credit Management)\n\nOn XXXX XXXX XXXX I issued a formal Debt Validation Request via Certified Mail to Midland Credit Management (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX regarding an alleged XXXX XXXX debt.\n\nMidland Credit Management has completely ignored this legal demand. They have failed to provide the original signed contract, a breakdown of the alleged balance, or a legal bill of sale proving their standing to collect. It has now been 52 days since they received my demand, and they have failed to provide the "competent evidentiary matter" required under Texas Finance Code 392.202.\n\nDespite their total failure to validate, they continue to report this unverified account to my credit reports. I demand the immediate and permanent deletion of account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am a Citi XXXX XXXX AAdvantage credit cardholder. I had previously linked my personal bank account to the card through their system and only utilized 2 % of my current limit. On Thursday, XX/XX/year>, I made a purchase through XXXX XXXX for flight tickets for a young man XXXX mentor, who had an opportunity to play professional football. Shortly after the transaction, Citi contacted me via email and text messages to verify the purchase. I also received a notification on their app to call Citi regarding my transactions. I spoke with a representative who informed me that they needed to verify my identity due to fraud concerns. He stated that they would send me a letter to my mailing address, which I could also view online or on the app. The representative advised that the letter would arrive within 24-48 hours and provide further instructions. However, no letter was received online, on the app, or by mail yet XXXX hours out. The following day, XX/XX/year>, the young man was flagged as fraudulent by XXXX XXXX, allegedly due to Citi 's system. He was stopped at the airport and removed from the plane. I contacted Citi regarding their actions and requested to speak with a supervisor. A supervisor named XXXX in the fraud department displayed a lack of concern and denied that Citi had contacted XXXX XXXX. I requested XXXX to file a formal complaint regarding the incident. XXXX XXXX subsequently refunded the amount back to my Citi card account. The supervisor refused to provide me with information about their policies. I found Citi 's customer service to be subpar.

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 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX regarding improper billing, failure to process a valid cancellation, and wrongful referral to collections. I requested cancellation of my XXXX XXXX policy on XX/XX/year>, with an effective date of XX/XX/year>. At the request of XXXX, I provided proof of replacement insurance coverage with XXXX XXXX. Despite complying with all requirements, XXXX failed to process the cancellation and continued billing me. They subsequently referred an invalid balance of {$480.00} to a third-party debt collector. This debt is not valid. The charges were incurred after my requested cancellation date, and I did not authorize any continued coverage or billing. This situation raises serious concerns, including : * Failure to honor a valid cancellation request * Improper billing after cancellation * Referral of disputed/invalid debt to collections * Potential violations of consumer protection and debt collection laws I have attempted to resolve this directly, but the issue remains unresolved. Resolution requested : * Immediate cancellation confirmation effective XX/XX/year> * Removal of all charges after that date * Withdrawal from collections * XXXX that no negative credit reporting occurs Supporting documents are attached. I request investigation and enforcement action as appropriate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am formally requesting a reconsideration of my account application and a full disclosure of the data used to determine my eligibility. The inability to maintain a standard banking relationship is significantly hindering my ability to conduct essential business operations and achieve financial stability. While my consumer report may reflect historical challenges from my youthspecifically minor overdraft incidents that occurred during a period of financial transitionthese entries do not accurately represent my current financial responsibility or my capacity to manage an account today. I have since implemented rigorous financial management practices to ensure all obligations are met promptly. I request that you review my file in its entirety, provide the specific reasons for this denial as required by the FCRA, and consider my account for approval based on my current standing and business needs.

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 2026-04-21 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXXXXXX XXXX XXXX Re : Account Number XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, This letter serves as a formal request for debt validation and a cease and desist notice regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting that you provide full validation of this alleged debt. Specifically, please provide : The name and address of the original creditor The full amount of the alleged debt, including all fees and interest Documentation bearing my signature showing I agreed to this debt Proof that your agency is legally authorized to collect on this account A complete chain of title if the debt has been sold or transferred Until you provide proper validation, you must cease all collection activities, including reporting this account to any credit reporting agencies. Additionally, under 15 U.S.C. 1692c ( c ), I hereby demand that you cease and desist all communication with me regarding this matter. This includes, but is not limited to, phone calls, emails, text messages, and any other form of contact. The only exception to this request is written communication providing the validation requested above or confirmation that this account has been deleted. If you fail to comply with this request, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and pursue legal remedies if necessary. Please note that any continued collection efforts without proper validation may constitute a violation of federal law. I expect your response within 30 days of receipt of this letter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have banked with Chase Bank for decades without issue. I pay the majority of my bills using bill pay without issue. I received 3 late payments for my mortgage from XXXX XXXXXXXX XXXX My payment is due on or prior to the XXXX of the month. I filed a complaint ( ID XXXX with XXXX XXXXXXXX XXXX They researched the 3 payments in question and said payment was received on the XXXX and a late payment of {$76.00} applies for each late payment. Chase indicates the payments were made on the XXXX. Here are the particulars : {$2500.00} sent on XXXX and delivered by XXXX. {$2400.00} sent on XXXX and delivered by XXXX. {$2400.00} sent on XXXX and delivered on XXXX. Again, XXXX XXXX has researched this and responded in a letter that all three payments were received on the XXXX of the month. Either my payments were made by the XXXX and XXXX XXXX is making a processing error, or Chase is not delivering them on the date indicated on the receipt. I would like Chase to verify when XXXX XXXXXXXX XXXX received each of the above payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX ( 0 minutes ago ) to me I sent a written debt validation request under FDCPA 1692g to Cavalry Portfolio Services , LLC for account # XXXX ( original creditor : XXXX XXXX XXXX. Cavalry responded on XX/XX/year> with a letter stating they had reviewed and verified the account and noted it is presently placed with a law firm, but provided none of the required verification documents. I sent a detailed follow-up validation demand letter requesting : an itemized statement of the debt, copies of the original XXXX XXXX account statements and agreement, proof of ownership/chain of title assignment from XXXXXXXX XXXX to Cavalry SPV I , LLC , and the name/address/phone/bar number of the law firm. Cavalry then sent the exact same inadequate template letter multiple additional times ( including duplicates in the most recent mailing ), still refusing to provide any of the requested documents or identify the law firm. This repeated failure to provide proper debt validation means Cavalry has not ceased collection activity as required by FDCPA 1692g ( b ). I have already sent multiple follow-up letters and filed this complaint. Attached are scans of : my original validation request, all of Cavalrys identical response letters ( including the latest duplicates ), and proof of mailing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Been trying to get help from capital sense XXXX to gain access to my savor card online. The keep refusing. So many calls with XXXX resolution. So may hours of lost work and resolution or customer service. Today was the kicker tried to return XXXX call. They refused me XXXX, Im guessing he has been working on my esculation sense 3-11. He has put about 40! days of work into this and they would not connect me. The unhelpful lady I spoke with just told me to keep trying and someday I might get have that card online. I have to call to make payments for inconvenient. I have to call and request email statements every month. Cause they have yet to ma one. In he so may hours on the phone with reps that just did not want to help. I had esculation for poor customer service, when. They called me about it they told me it is ok for reps not to want help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: IN

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I submitted a dispute for withdrawals on my account due to Account Takeover XXXX. I was fraudulently induced into providing one-time passcodes to a person impersonating a service provider. I was initially provided with a provisional credit from PNC for the {$2900.00} however after XXXX days this money was withdrawn back from my account. A determination was made that I am responsible for the charges and the {$2900.00} has been withdrawn from my account. I provided all requested documentation to PNC including the fraudulent fishing email and screenshots of the chat with the phisher. While PNC may consider me providing verification codes as my authorization, there was " XXXX of Notice ''. The verification codes provided verified identiy only. There were no PNC XXXX messages stating that I was authorizing a payment of {$990.00}. There was never intent to authorize a transfer ; only to verify my identity. I should be protected by my bank institution and covered for these funds. On XX/XX/year>, I posted a few items for sale on the website XXXX. A few moments later I received an email from XXXX support advising me that in order to keep adding new items to my shop, I needed to complete a quick confirmation of my seller account and to click on the link provided XXXX XXXX XXXX I didn't think this was suspicious because I hadn't posted anything for sale in a few months. I clicked on the link which asked for my bank card. Again, I didn't find this suspicious at the time because XXXX had my bank card on file for purchases. After that, a chat popped up advising me that I would receive a passcode via XXXX Once received, to provide that code in the chat to complete the verification process. The first time I provided a code, I was advised I would be sent another code and I asked to provide it timelier. I provided a code XXXX more times and then I began to get suspicious. I logged into my checking account to discover that there had been XXXX withdrawals made from my checking account each for {$990.00} totaling {$2900.00}. I messaged in the chat that I saw the withdrawals made from my checking account. The phisher advised that if I verified another code via XXXX that they would deposit the money back into my account which would complete the verification process. I disconnected from the chat and contacted PNC. It was after hours so I was not able to get in touch with a live representative. Once I disconnected from the chat, I receive a call from a private number. The caller advised that they were from XXXX and wanted to complete the verification process and return my funds. I advised them that I would contact poshmark directly to complete the verification. The caller tried to contact and engage me twice more. I called PNC the next morning and gathered all othe evidence I had ( the XXXX email, a screeshot of chat, a screenshot of XXXX of XXXX codes received, I screenshot of my incoming calls )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple accounts being reported on my credit profile that are inaccurate, unverified, and in violation of the Fair Credit Reporting Act ( FCRA ). I previously disputed these items directly with the credit bureaus and furnishers ; however, they have failed to provide proper validation or documentation as required under federal law. The following accounts are in dispute : XXXX Portfolio Recovery Associates balance of {$1600.00} This debt has not been properly validated. I have not been provided with a signed contract, full account history, or proof of assignment from the original creditor. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all information reported must be accurate, complete, and verifiable. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), debt collectors must provide validation of alleged debts upon request. To date, the companies listed have failed to provide : XXXX Original signed agreements or contracts XXXX Complete and accurate payment histories XXXX Proof of ownership or assignment of the debt ( for collections ) XXXX Evidence of permissible purpose for the hard inquiry Their failure to properly investigate and validate these accounts constitutes noncompliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint against Bank of America Inability to Close Accounts I am attempting to close my checking and savings accounts with Bank of America, but I have been unable to do so despite multiple attempts. I have called their customer service line ( XXXX ) twice with the specific purpose of closing my accounts. On both occasions, I waited on hold for over 20 minutes without being able to reach a representative. There appears to be no effective way to complete this request online or through their website. Meanwhile, Bank of America continues to charge me monthly maintenance fees of approximately {$8.00} for my savings account and {$4.00} for my checking account. I no longer need these accounts and wish to close them immediately, but I am being prevented from doing so due to lack of access to customer support. This situation is causing ongoing financial harm through unnecessary fees and represents an unreasonable barrier to closing my accounts. I am requesting that Bank of America : Immediately close both my checking and savings accounts Refund any fees charged during the period in which I was unable to access customer service to complete the closure Provide written confirmation that the accounts have been closed I would appreciate prompt resolution of this matter.

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 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OK

Complaint narrative:
On XX/XX/year> I got scammed out of {$3600.00} trying to XXXX a XXXX! When I finally realized it was a scam I asked the people to send me my back and immediately called chime to let them know about the accounts that were being used fraudulently. At first they said they could try and help me hey my money back but then proceeded to tell me that they couldn't do anything to help me! I'm going to be homeless soon cause they scammed me out of all my tax money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank is moving part of balance from one interest rate to another when they are purchases made way before the rate change and are charged at a different rate right on there statement 2 different rates which cost me more interest and I am sure I am not the only one they even hang up on me and have always been polite they are just workers not the company which is ripping people off.

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 2026-04-21 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: TX

Complaint narrative:
I am filing a complaint regarding American Expresss handling of my dispute for a {$4200.00} charge from XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX. After purchasing the XXXX, the seller publicly admitted in XXXX messages, XXXX videos, and a pinned XXXX comment that he had misrepresented his trading profits and advertised himself dishonestly. These profit claims were the primary basis for the XXXX value and were used to induce the sale. In his pinned XXXX comment, the seller stated : I am around net break-even. The majority of money I made trading has been lost. I have not made $ XXXX. It was extremely dishonest of me to advertise as someone that I was not. Anyone can reach out directly for compensation. Immediately after these admissions, the XXXX paused and shut down the XXXX program, hid chats, stopped live sessions, and removed access. He also stated publicly that people will be refunded, but no refund was issued to me. The seller also launched a new XXXX called XXXX XXXX, changing the structure of the XXXX and XXXX sessions, which was not what I paid for. This occurred after shutting down the original program. There is also a XXXX XXXX XXXX report from another victim documenting the same misrepresentation and the same {$4200.00} loss. I submitted all of this evidence to American Express, including : The sellers written and video admissions The pinned XXXX confession XXXX messages showing program shutdown Refund promises Evidence of nondelivery XXXX XXXX XXXX report A full timeline and documentation package Despite this, my dispute was denied the first time. I reopened the dispute and submitted all evidence, but I am concerned that the evidence may not be fully reviewed.

Company response to consumer: Closed with explanation