vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$230.00} to my credit card account. Despite making this payment and continuing to make payments of {$230.00} each month ( XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX ), the account was assessed late fees on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, along with related interest charges. I contacted the company and requested a review because the XX/XX/XXXX payment should have covered the following billing cycle. However, the company stated the fees were valid and refused to reverse them, even though I continued making monthly payments and paid more than the required minimum during this period. I am requesting that the company review how the XX/XX/XXXX payment was applied and reverse the late fees and related interest charges that were assessed as a result.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Subject : Complaint Regarding Duplicate or Unverified Collection Account Midland Credit Management To Whom It May Concern, I am filing a complaint regarding a second collection account reported by Midland Credit Management on my credit report. The account is listed with Midland Credit Management, original creditor XXXXXXXX XXXX XXXX with a balance of {$810.00}. Because there are multiple accounts from the same company and original creditor appearing on my credit file, I am concerned that this may represent duplicate or improperly reported debt. Under the Fair Credit Reporting Act, I request verification of the following : proof that this account represents a separate and legitimate debt documentation showing the account was legally assigned to Midland Credit Management the original contract and payment history for the alleged debt If Midland Credit Management can not provide sufficient documentation verifying this account, I request that it be deleted from my credit report immediately. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Subject : Complaint Regarding Collection Reporting Midland Credit Management To Whom It May Concern, I am submitting this complaint regarding inaccurate credit rep orting by Midland Credit Management. Midland Credit Management is reporting a colle ction account on my credit report for an alleged debt originally associated with XXXX XXXX XXXX in the amount of {$1300.00}. I dispute the accuracy of this account and request verification of the following : proof that Midland Credit Management is the legal owner of the alleged debt a copy of the original signed agreement with the original creditor documentation showing the chain of assignment or sale of the account the full account payment history used to calculate the balance Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers must report only accurate and verifiable information. If Midland Credit Management can not provide proper verification of this account, it must be removed from my credit file. Please investigate this matter and correct the reporting accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: NV

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
They tried to tell me I owed more than what was allegedly owed and they called numerous times different days with different amounts and i told them not to call me and to send me letters instead and they haven't they insist on steady calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate reporting on my credit report by TransUnion. My credit file shows a XXXX account in collections with a balance of {$2000.00}. I dispute the accuracy and validity of this account. The report shows no payment history and insufficient documentation verifying that this debt belongs to me. Under the Fair Credit Reporting Act, TransUnion is required to report accurate and verifiable information. I request that TransUnion provide proper verification of this debt, including the original signed contract and documentation proving that I am legally responsible for this account. If TransUnion can not provide proper verification, I request that this account be immediately removed from my credit report. I also request a full investigation into how this account was verified and reported without payment history or supporting documentation.

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 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
On XX/XX/year>, Capital One closed my checking account ( ending in XXXX ) without any prior notice. I received an email notification only after the account had already been restricted. I had XXXX XXXXXXXX in the account. I immediately called Capital One customer service and was told the closure was due to an " internal review. '' When I asked for a written explanation, I was told they could not provide one. I was given no reason for the closure, no advance warning, and no opportunity to address whatever triggered the review. This has created a severe and immediate financial hardship. At the time of closure, I was in XXXX XXXXXXXX, Missouri approximately XXXX miles from my home in XXXX, Nebraska with my wife and children. The $ XXXX in this account was our only available funds. Because of Capital One 's actions, my family and I are stranded with no ability to pay for gas, food, or lodging to get home safely. We were told to ask around to see if someone could lend us the money. I also reached out to Capital One on XXXX ( XXXX ) and was directed to send a private message, which I did. As of filing this complaint, the issue remains unresolved. Capital One provided no prior notice, no written explanation, and no process to access my funds in an emergency. Closing a family 's only available account without warning while they are traveling with children is irresponsible and harmful. Desired resolution : 1. Immediate release of my XXXX XXXXXXXX in funds 2. A written explanation of why the account was closed 3. Compensation for the financial hardship, stress, and expenses caused by this abrupt closure 4. Review of Capital One 's practice of closing accounts without prior notice to customers

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Possible Financial Inc
State: AL

Complaint narrative:
Validation of Debt Request - POSSIBLE FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Frequent or repeated messages
Company: I.C. System, Inc.
State: NY

Complaint narrative:
I recieved an XXXX text message from some unknown company with personal destials about a debt from 2024 that I never received any bill from or have paid. Called and the agent was unpleasant and asking for personal information. It felt very phishy and fraudulent to me as they would not verify any details.

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 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
CENTRAL PORTFOLIO XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CENTRAL PORTFOLIO XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXXXXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am filing this complaint because Citizens Bank has repeatedly failed to perform a meaningful investigation into a merchant dispute involving XXXX XXXX and XXXX XXXX. Furthermore, the banks handling of this dispute has resulted in an unauthorized deduction of {$250.00}, which caused my account to be overdrafted, leading to additional financial distress. The bank is currently denying my claim based on a 'Proof of Service ' invoice provided by the merchant, XXXX. However, I am not disputing that a contractor was present ; I am disputing that the service was 'Materially Different ' and hazardous compared to what was contracted. The merchant 's contractor created a biohazard and sanitation risk by placing bathroom hygiene items ( lip balm, hair tools ) inside my kitchen cooking pots. The contractor also disposed of sentimental property without authorization. Citizens Bank has ignored my documentation of these safety breaches and is siding with a merchant invoice that does not reflect the reality of the service provided. During the dispute process, a credit of {$250.00} was applied and subsequently retracted/deducted by Citizens Bank without proper notice or justification, despite the merchant ( XXXX ) having already admitted fault by offering a 50 % settlement. This deduction caused my account to be overdrafted. I am now being penalized with fees and a negative balance because the bank is failing to hold the merchant accountable for a service that was a liability, not a benefit. XXXX has been evasive and contradictory. Their support staff ( XXXX ) claims they " can not take action ' while a dispute is active, yet they are simultaneously providing documents to the bank to fight the refund. By offering a 50 % refund previously, the merchant has admitted liability. Citizens Bank is failing to recognize this admission of fault and is refusing to perform a manual human review of the photographic evidence provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: PA

Complaint narrative:
After transacting in my business account as usual, my account was frozen for unusual activity. Not a problem, I received an email stating to contact support to have my business account reinstated. I did so, got the run around for XXXX days. Then today, the company decided to close my account. Not a problem, however even after freezing my account and closing it today they are now telling me I need to wait 3 months for my money I just deposited this week XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, 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 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding accounts that have been fraudulently opened in my name due to identity theft. These accounts do not belong to me, and I am requesting the CFPBs assistance in having these inaccurate and unauthorized accounts investigated and removed. Details of the Issue, I recently discovered XXXX or more accounts on my credit reports that I did not authorize or open. These accounts appear to be the result of identity theft. I have already disputed these accounts with the credit reporting agencies and the creditors, but the issue has not yet been resolved. Action Requested I respectfully request that the CFPB : Investigate these fraudulent accounts Ensure the furnishers and credit bureaus conduct a proper investigation Require removal of all inaccurate information related to the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lotane & Associates, P.A.
State: FL

Complaint narrative:
I am filing this complaint against Lotane & Associates for a severe and unauthorized disclosure of my private information. While the firm was attempting to collect a debt from an unrelated third party, they included my personal financial statements, health records, and medical billing statements within the correspondence sent to that unrelated debtor. This disclosure included sensitive data belonging to both me and my son, despite neither of us being the party associated with their collection attempt. This action represents a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) regarding prohibited third-party communications. Furthermore, the exposure of my financial and medical data constitutes a breach of the Gramm-Leach-Bliley Act ( GLBA ) and HIPAA privacy regulations. This error has caused a significant compromise of my family 's privacy and financial security.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: MI

Complaint narrative:
I am filing a complaint regarding XXXX handling of a billing dispute for a charge on my credit card. I paid for services that were never completed and no treatment was provided. After realizing that the services I paid for were not performed, I filed a dispute with Chase explaining that the merchant did not fulfill the services that were paid for. Despite providing this explanation, Chase denied the dispute and determined the charge to be valid. I requested documentation and an explanation of how Chase concluded that the charge was valid when the services were never completed. Chase has not provided adequate documentation or a clear explanation supporting their decision. Under credit card consumer protection rules, charges for services that were not provided or completed should qualify for dispute protection. I believe Chase did not properly investigate this dispute and did not adequately review the evidence that the services were not rendered. I am requesting that Chase conduct a proper investigation into this dispute and reconsider their decision. I also request that Chase provide documentation showing how they determined the charge to be valid despite the services not being completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
b'Reference # XXXX XXXX XXXX ID#1 - XXXX ID#2 - XXXX\nOn XXXX XXXX XXXX I accidentally sent $XXXX USD through PayPal when my intention was to send XXXX XXXX XXXX XXXX to a recipient I have paid this exact amount in other transactions. PayPal converted the payment and delivered approximately XXXX XXXX to the recipient.\n\nThe mistake was discovered immediately. The recipient promptly refunded the funds through PayPal. The refund processed as $XXXX USD after PayPal reconverted the money from PHP back to USD.\n\nBecause PayPal applied currency conversion during both the original payment and the refund, the result was a loss of approximately $XXXX USD due to the double currency conversion.\n\nThis was a clear clerical currency-entry mistake. PayPals records will also show that I have repeatedly sent approximately XXXX XXXX to the same recipient in prior transactions, which demonstrates that the intended amount was consistent with my normal payment history.\n\nI contacted PayPal customer support multiple times and spoke with several representatives and supervisors. They verbally explained that the loss resulted from the exchange rate difference caused by converting the funds twice. I also received a denial email stating that no adjustment would be made.\n\nI am requesting that PayPal review this transaction and provide a reasonable reimbursement or adjustment for the excessive currency conversion loss caused by the mistaken payment and immediate refund.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I made the payment on time. These entries do not reflect my true payment history, and I will not accept false reporting that damages my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Ally Bank advertised that opening an account and completing requirements would generate a {$300.00} bonus. I completed all requirements, have contacted the bank repeatedly but the bonus has not been paid. Account numberXXXX

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