vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Validation of Debt Request - MIDLAND CREDIT MANAGXXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX 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. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CREDIT ACCEPTANCE CORPORATION
State: MA

Complaint narrative:
XXXXOut of nowhere, XXXX been getting called a XXXX times a day from a XXXX different robo callers claiming to be credit acceptance, telling me I need to log in to an account that XXXX exist, because I have no loan from anyone. But every time I try to log a complaint, they ask for my social security number, which I obviously will not give. I have XXXX of random numbers from them, but I dont think it matters- clearly they just call from random numbers every time. But heres a few:XXXX XXXX XXXXThere are XXXX more.'

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 2026-03-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Subject : Unauthorized Transaction and Improper Dispute Denial I am submitting this complaint regarding an unauthorized transaction on my XX/XX/XXXX account. , I attempted to make a payment on a website related to a dating service. During the checkout process, I entered my card details and billing address. However, when I tried to complete the payment, the website displayed a message saying Payment Failed and the transaction did not go through. After several days, I noticed that approximately {$150.00} had been withdrawn from my XX/XX/XXXXaccount without my authorization. I did not approve or authorize this transaction, and I did not receive any service or product related to this charge. I contacted customer support and complained that I did not authorize these. They accepted my dispute and rejected it a few days later. This transaction appears to be the result of my card information being compromised after entering it on a website where the payment attempt failed. I did not authorize the {$150.00} total charge and did not knowingly provide consent for any merchant to charge my account. Scammer use my XX/XX/XXXX card on a XXXX site, ( XXXX ) XX/XX/XXXXXXXXTransaction ID XXXXXX/XX/XXXX XXXX ID XXXXXX/XX/XXXXinformation Mail : XXXX Number XXXX CARD : XXXX it's compromised I respectfully request thatXX/XX/XXXX conduct a proper reinvestigation of this case, review the unauthorized transaction, and issue a refund for the fraudulent charge. I also request that they provide a detailed explanation of how they determined that the transaction was authorized. Note again : [ I don't have XXXX account ] Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Issue : Credit card / Refund not received/ Funds withheld Description : I am filing a complaint against Wells Fargo regarding an unresolved refund of an overpayment in the amount of approximately {$4800.00}. After a transition related to my XXXX credit card account, I overpaid my Wells Fargo credit card account, resulting in a negative balance. Wells Fargo acknowledged that I was owed a refund. Initially, I was told a cashiers check had been issued, but I never received it. I later contacted Wells Fargo again and was instructed that the check would be voided and that I needed to submit an affidavit in order to receive the funds via direct deposit into my Wells Fargo checking account. I completed all requested steps. It has now been over XXXX days, and I still have not received my funds. I have made multiple phone calls and visited a Wells Fargo branch in person. Each time, I am told the issue is escalated, but I receive no updates, no resolution, and no timeline. As a result of XXXX XXXX delay, I am now incurring financial damages, including interest charges and minimum payments on my XXXX credit card, as I am unable to access the funds owed to me. Wells Fargo is effectively withholding my money without justification. I am requesting : Immediate return of my funds Reimbursement for interest and any related financial damages caused by the delay A clear explanation of the delay and confirmation of resolution This situation has caused unnecessary financial stress and should be resolved immediately. Thank you, XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: ALLY FINANCIAL INC.
State: NH

Complaint narrative:
I am filing this complaint against Ally Financial regarding a loan contract with XXXX XXXX XXXX XXXX ( Deal XX/XX/XXXXXXXX ). The dealer engaged in Price Packing and Deceptive Financial Practices. XXXX. Price Discrepancy & Fraud : The agreed-upon vehicle price on my signed Buyer 's Order was {$19000.00}. However, the dealer unilaterally increased the price to {$20000.00} on the final Vehicle Invoice used for financing. This {$320.00} discrepancy was used to hide {$460.00} in undisclosed " packed '' fees ( Gas , Road Vantage, and Ceramic coating ) that I never requested or agreed to. XXXX. Double Charging & Broken Promises : Despite paying a {$170.00} processing fee in the contract, the dealer is withholding an additional {$210.00} from my XXXX deposit for the same service. Furthermore, in their formal response to my XX/XX/XXXX Complaint (XX/XX/XXXXXXXX ), the dealer promised a refund of {$140.00}, but months have passed and I have received nothing. XXXX. Failed Resolution : I have already contacted XXXX XXXX XXXX XXXX ( Case XX/XX/XXXXXXXX ) and the XX/XX/XXXX but the dealer continues to provide false information to regulators while withholding my funds. [ Desired Resolution ] I request a full compliance audit of my loan contract by Ally Financial. I demand the return of my full XXXX deposit balance and the removal of the {$460.00} in unauthorized " packed '' fees from my financed balance, totaling a recovery of {$820.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: SC

Complaint narrative:
On XX/XX/XXXX ,2026 my personal belongings were stolen out of my home, and my card was unauthorized and used for the amounts of {$480.00}, {$520.00}, {$530.00}, {$520.00}, {$520.00}, {$410.00} and {$500.00} from the merchangt XXXXXX/XX/XXXX XXXX XXXX the dates of these transactions were XXXX I called the company the merchant company and they said they will run the cameras and to give me a call within the next XXXX business XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: VA

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 explanation
Consumer complaint received 2026-03-19 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: FL

Complaint narrative:
This is a supplemental submission to my existing CFPB complaint ( XXXX XXXX. XXXX ) regarding an unresolved missing refund from American Express .. Please associate this information with the existing case. After reviewing American Expresss response, I would like to clarify the core issue, as the transactions alone may not fully reflect the outstanding balance. Although multiple transactions appear on my accountincluding a refund, a dispute credit, and a subsequent reversalthe net result is that I have only received one actual refund for two separate cancelled hotel nights. Specifically : I cancelled two hotel nights, each eligible for a refund of {$500.00}. Only XXXX refund of {$500.00} has been successfully received. A dispute credit that was applied to address the missing refund was later reversed ( rebilled ), effectively canceling it out. As a result, I am still missing one refund of {$500.00}. The issue is not the presence of individual transactions, but rather that the overall reconciliation of charges and credits does not reflect the full refund owed. I respectfully request that CFPB assist in ensuring a full and proper reconciliation of all related transactions and that American Express issues the remaining refund of {$500.00}. Please let me know if any additional documentation is needed. Thank you for your assistance. Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I informed the company the account was opened due to the massive data breach we been having

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: OK

Complaint narrative:
I am filing a complaint against Chime regarding the closure of my account on XX/XX/year>. Chime informed me that my account was closed due to a violation of their user agreement ; however, they have refused to provide any specific explanation or details about what I allegedly did wrong. I contacted customer support multiple times seeking clarification, but I was only given vague and generic responses with no clear reason for the closure. While Chime has explained how my funds will be handled, they have not provided transparency regarding the actual reason my account was terminated. This lack of explanation makes it impossible for me to understand or address the issue. I am requesting the following : 1. A clear and specific explanation of the reason my account was closed, including the category of the alleged violation. 2. Any documentation or information used to make this decision. 3. Confirmation that there are no further actions required from me regarding my account or funds. I believe consumers should be given clear and honest explanations when access to their financial accounts is revoked. I am seeking a transparent response and resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 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: Chime Financial Inc
State: IN

Complaint narrative:
I am filing a complaint against Chime regarding a denied dispute for a fraudulent transaction totaling {$230.00}. I was scammed through a fraudulent short-term rental listing. The property was misrepresented and/or not legitimate, and I did not receive the service that was paid for. I filed a dispute with Chime and provided supporting documentation, including a police report and evidence of fraud. Despite this, Chime denied my claim, classifying the transaction as authorized without adequately addressing the fraud and services not rendered aspects of the case. This decision fails to properly apply consumer protections under the Fair Credit Billing Act and related dispute protections. I am requesting that Chime conduct a proper investigation, reconsider the dispute under fraud guidelines, and issue a refund for the unauthorized or fraudulently induced charge. I have also reported this incident to the FTC and relevant authorities. I am seeking a full reversal of the {$230.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2026-03-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advanced Recovery Systems, Inc.
State: MS

Complaint narrative:
I am filing a complaint regarding Advanced Recovery Systems for failure to validate an alleged debt. On XX/XX/year>, I sent a written request for validation of a debt that the company is reporting on my credit file. As of today, more than 30 days have passed, and I have not received any response or validation documentation. Despite failing to validate the debt, the company continues to report this account on my credit report. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires that a debt collector cease collection activity until proper validation has been provided. Because the company has failed to validate the debt, I am requesting that this account be immediately removed from all credit reporting agencies and that I receive written confirmation of its deletion. I am also requesting that the company provide documentation of the alleged debt if they intend to continue any collection efforts. This matter is time-sensitive, and I expect prompt resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc

Complaint narrative:
This is a follow-up to my previous complaint # XXXX. On XX/XX/XXXX, PayPal support acknowledged a technical error and promised a resolution within XXXX business days. Today, XX/XX/XXXX, the deadline has passed without a fix. When I contacted support again, agent 'Norkys ' claimed my funds were 'ready ' but blocked all withdrawal methods ( Visa card and family transfers ), demanding a U.S. bank account which I can not provide as a Venezuelan resident. Furthermore, the agent unilaterally terminated the chat session while I was requesting a supervisor. PayPal is acting in bad faith, denying me access to my {$260.00} after the 180-day legal holding period has ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Maximus Federal Services, Inc.
State: VA

Complaint narrative:
My personal and financial information was compromised without my authorization. The XXXX education rights and privacy act XXXX protects the confidentiality of student records. This breach is a clear violation of XXXX and your responsibility to safeguard my information. Given the severity of this breach and resulting compromise to my personal and financial information, I request you immediately cancel and discharge my student loan debt. {$9200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Bureau Services Association
State: NC

Complaint narrative:
When my vehicle was declared a total loss in XXXX, I contacted XXXX XXXX XXXX and was told by a representative that no further charges would apply to my account. Months later, XXXX XXXX reported a {$95.00} collection to my XXXX credit report on behalf of XXXX XXXX, without any prior written notice and without debt validation. I disputed this account with Equifax on XX/XX/XXXX, confirmation number XXXX. This account does not appear on my XXXX or XXXX credit reports only XXXX which further demonstrates the inaccuracy of this collection. This debt was never owed and should never have been sent to collections.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
The company named Jefferson Capital , LLC. is committing XXXX trying to collect a debt that is not mine. They have added a total of {$120.00} from XXXX to my credit report that does not belong to me. My identity was stolen in California during COVID by XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX in XXXX XXXX... I have never had a contract with any telecommunications company, I have always used Prepaid Services, I am with XXXX right now and have been with them since XXXX, and was with XXXX Prepaid Services before that. I have disputed this many times, but they keep trying to collect money from me without any sort of proof, which there is not any... I have attached all paperwork regarding my identity being stolen, see attached..

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit International Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX, Credit International Corporation contacted me regarding a debt of {$950.00} owed to XXXX XXXX XXXX. I disputed the debt the same day, stating I had been on autopay and had no record of this going to collections. At no point did the agency provide the required FDCPA validation notice informing me of my right to dispute within 30 days, the amount owed, or the original creditor. Instead they sent repeated litigation and asset XXXX threats on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without ever validating the debt. No formal documentation, payment links, or written notices were ever provided. I genuinely had no way to pay this debt even if I wanted to. On XX/XX/XXXX I formally disputed the debt via email and noted XXXX had no record of this referral to collections. The agency responded only by telling me to pull my own credit report. That is not debt validation. I contacted XXXX directly but was never able to identify what this debt was specifically related to, as no documentation was ever provided by the agency. Based on what I could see in my account, a payment had been returned and subsequently reprocessed, and it was never explained to me why a returned payment that was reprocessed would trigger a collections referral. The debt was never validated or clarified by anyone. I made multiple attempts to contact the agency by phone, left voicemails, and received no callbacks. Their calls came through as spam risk. The agency claimed to have left voicemails but I received none. Their website appeared unprofessional and suspicious, raising further concerns about legitimacy. The balance has since grown from {$950.00} to {$1100.00} with no documentation or explanation 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 explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I don't have the first date approximately XXXX I received a overage check for approximately {$4000.00} and currently on XX/XX/XXXX XXXX I received a check for {$8200.00} This is on a loan of {$12000.00}, I sent certified letters and emails twice requesting the accounting details and that the interest be refigured to account for those errors. their reply was you were refunded the overage and we will not look into this any further. After researching I see that this is a ongoing issue with this company, Shellpoint morgt servicing, they were recently acquired by Shellpoint the original company who did this the first time was Specialized loan servicing. My acct # with them is XXXX. I have the emails and certified letters that were sent.

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