vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-24 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: IA

Complaint narrative:
I am filing this complaint against American Express for repeated failure to conduct a reasonable investigation into a disputed transaction, as required by the Fair Credit Billing Act ( FCBA ). On XX/XX/year>, I disputed a charge of {$3500.00} from XXXX because the accommodations were uninhabitable when I arrived at the location. For example, there was mold present visually and by smell throughout the apartment, an exterior door was not secure, and the apartment was excessively dirty, including smudges, stains, dirt, grime, sand, blood, XXXX, soap, etc., in all areas. Despite providing comprehensive documentation, including photos, videos, and correspondence to XXXX, they refused to uphold their own Rebooking and refunding for homes policy, Ground rules for home hosts policy, and Safety requirements for homes guidelines. I disputed the charge with American Express, and they subsequently closed the dispute, stating, A partial refund was already provided by XXXX for the issue. This was not the case ; the partial refund I received previously from XXXX was for a previous issue where the host could not accommodate all the dates I originally reserved. I called American Express on XX/XX/XXXX and re-submitted the dispute, explaining the reason for the previous refund. The American Express associate noted with the dispute all the facts given by me for review. American Express closed the dispute in less than 24 hours without reviewing my files or the notes from the associate, and stated the same reason for the refusal. On XX/XX/XXXX, I spoke with a representative who admitted on a recorded line that my documentation had not been properly reviewed. My account was allegedly put on a " back-office hold '' for a manual review, and I was promised a follow-up call. I never received a call, and the dispute was closed for a third time. American Express has demonstrated a systemic failure to follow federal dispute resolution procedures. They have acknowledged their own internal error but have refused to correct it or review the evidence that proves this charge is a billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed a formal complaint and request for a refund for a product that I purchased and used them as the means to buy it. I have tried going directly to the seller of the product and was denied. I tried PayPal and now they're denying since its outside a XX/XX/XXXX day window. I am trying to get a refund for {$910.00} that I paid for said product. I was not aware that it was a counterfeit until I took the product to a professional who confirmed it was not a genuine product. On XX/XX/XXXX, PayPal denied my claims all because it was outside a XX/XX/XXXX day window.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Credit card — Store credit 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I was charged XXXX XXXX XXXX on my account app XXXX for a {$65.00} charge on my account. I tried to call them and get a resolution to this issue many times and was hung up on or left on hold for hours, to no avail. My bank refused to pay them because they saw the problem, and XXXX XXXX refused to repair these payments and put them in collection, where I was served with court papers to appear so they can sue me for something I did not buy or cause.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
In connection with the payoff of my mortgage, a wire transfer in the amount of approximately {$220000.00} was sent to Flagstar Bank on XX/XX/year>. Part of this wired money was {$7600.00} to satisfy a HUD partial claim associated with my loan. I have documentation confirming the wire transfer was successfully completed, as well as a closing statement showing that the partial claim payoff was included in the transaction. After the closing, I discovered that the partial claim balance was not resolved. As a result, the loan was transferred to collections by the U.S. Department of Housing and Urban Development, and my federal tax refund was taken to cover this debt. Upon contacting Flagstar Bank, I was informed that they were unable to locate my loan or provide any information regarding the wire transfer. I was transferred to another department, but no one answered, and I have not received any follow-up. At this time, the funds appear to have been received by Flagstar Bank but were not properly applied or forwarded to HUD as intended. I have made multiple attempts to resolve this issue directly with Flagstar Bank but have been unsuccessful in obtaining any explanation or documentation regarding the status of these funds. This situation has caused financial harm, including the loss of my tax refund, and ongoing uncertainty regarding the status of the partial claim and my mortgage records.

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 2026-04-24 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: FL

Complaint narrative:
I did not receive the promised goods of {$99.00} for XXXX XXXX through XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc.
State: HI

Complaint narrative:
I am filing a complaint against Client Services, a debt collection company ( phone number : XXXX ). In XX/XX/year>, I contacted the company and set up a payment arrangement on my account. I made two payments at that time and initially set up automatic payments using my sons bank account, as he had agreed to assist with payments. That account was later closed. After the account was closed, I contacted Client Services and informed them that I would continue making payments manually through their website. I made payments for XX/XX/year> and XX/XX/year> as agreed. Despite making consistent and timely payments, I have continued to receive repeated collection calls from XX/XX/year> through today, XX/XX/year>. On XX/XX/year>, at approximately XXXX XXXX ( Hawaii XXXX ), I called Client Services to ask why I was still receiving calls. The representative, XXXX, initially stated that the purpose of the calls was to make a payment arrangement. I informed her that I had already set up a payment arrangement in XX/XX/year> and had been making payments diligently each month. After I explained this, she stated, Oh yes, I see you made the XXXX payment. I then requested that the calls stop since I am current on my agreed payments. However, she stated that the calls would continue automatically unless I set up auto-pay. I explained that I am unable to set up auto-pay at this time but that I have been making payments consistently. I again requested that the calls stop. The representative refused to stop the calls, refused to transfer me to a supervisor, refused to provide her full name, and then ended the call. I called back and spoke with another representative named XXXX. During the call, he later stated that his supervisors name was XXXX. I again requested to speak with a supervisor regarding the repeated calls. I also informed him that I was recording the call. XXXX refused to transfer me to a supervisor, would not provide any identifying information beyond the name given, and directed me to a website to file a complaint instead. When I requested a callback from a supervisor due to the ongoing calls, XXXX stated that I was harassing him, said he did not care, and then disconnected the call. I am making consistent monthly payments under a payment arrangement and am being subjected to repeated and unwanted collection calls. I have clearly requested that the calls stop, but the company has refused. I believe this behavior may violate the Fair Debt Collection Practices Act, including harassment through repeated calls and failure to respect reasonable requests to cease communication. I am requesting that : They stop Harassing me The repeated collection calls stop immediately. The company respect my current payment arrangement. A supervisor or manager review this matter and provide proper customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI

Complaint narrative:
On or around XX/XX/year>, I requested a tellers check from my bank in the amount of {$4400.00}. The funds were immediately withdrawn from my account, and the check was marked as processed for shipping on that date. I never received the check. The account status continued to show processed for shipping for an extended period, and I was not provided with any tracking number or delivery confirmation at the time the check was issued. After following up with the bank multiple times over the course of several weeks, I was eventually told that delivery information exists and that the check was marked as delivered. However, this information was not provided to me in a timely manner, and I was not given any opportunity to track, monitor, or secure the delivery. As a result, I have not received the check and do not have access to my funds. The bank has informed me that I must wait 90 days before any further action can be taken, despite the fact that I never received the check and was not provided the necessary information to locate it. I have requested tracking information and proof of delivery, but this was either not provided or provided too late to be useful. The delay in providing this information prevented me from taking any action to recover the item.

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 2026-04-24 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: NY

Complaint narrative:
I entered into a loan with GoodLeap, LLC to finance a residential solar system installed by a third-party contractor ( XXXX XXXX XXXX ). The system was expected to produce energy and offset utility costs. The installer has since gone out of business, leaving the system without support. On XX/XX/XXXX, I issued a formal written notice to GoodLeap suspending payments under the FTC Holder Rule due to seller non-performance and failure of consideration. I requested a resolution, including repair, replacement, or loan rescission. On XX/XX/XXXX, GoodLeap acknowledged a complaint submitted through the Virginia Attorney General and stated the matter had been escalated internally. However, no timeline was provided, and no substantive response or resolution has been received since that date. Since that acknowledgment, the situation has worsened significantly. As of XXXX XXXX, the solar system has completely stopped producing energy. Monitoring data shows the system is online but not generating any power, and it has been flagged as site not producing. Despite : A formal dispute A lawful payment suspension A non-functioning system GoodLeap has : Continued billing for the loan Reported missed payments to credit bureaus Placed the account in delinquent status This has caused financial and reputational harm. I am currently being billed and reported delinquent for a system that is not producing any energy and has not been repaired, replaced, or otherwise addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
CREDENCE RM XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 XXXX XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am submitting a formal dispute regarding a collection account that I believe is invalid and the result of lease violations and negligence by the property management. Account Name : Columbia Debt Recovery Account Number : XXXX Balance : {$2900.00} During my tenancy, I repeatedly reported serious health and safety concerns at the property, including structural hazards, unsanitary conditions, violations of the smoke-free policy, exposure to harmful substances affecting my childs health, and security failures involving compromised access points. Despite multiple written notices, management failed to take timely or adequate corrective action. I fulfilled all of my obligations under the lease. I remained in the unit for the full lease term, paid rent in full through the final day of occupancy, and left the unit in proper condition. My security deposit was retained. I also clearly communicated in writing that I did not authorize any additional charges beyond what was contractually owed. The balance sent to collections is improper and appears to stem from the property managements failure to maintain the premises, enforce lease terms, and address documented safety concerns. I dispute the validity of this debt. As a result of this issue, I have experienced financial harm, including damage to my credit profile, which has impacted my ability to secure housing and financial opportunities. This situation has also caused significant emotional distress for me and my family. I am requesting that this matter be investigated and resolved, including the removal of this account from collections and correction of any inaccurate credit reporting. I have all the evidence to prove that this is not correct t

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: CA

Complaint narrative:
This complaint concerns the effective denial of access to my own funds, including my IRS tax refund, which was routed into a Credit Karma Money account through XXXX. I am currently located outside the United States and unable to return. Credit Karma has imposed a complete access restriction on my account solely based on my geographic location. While they claim this is for security, they have failed to provide any alternative mechanism for me to access, verify, or retrieve my funds. Despite repeated attempts to resolve this issue ( Credit Karma Case XX/XX/XXXXXXXX ), I have received only generic, repetitive responses stating that I may access my account upon returning to the United States. This response is not a valid or lawful resolution. A financial institution can not indefinitely restrict access to a customers funds without providing a reasonable and accessible withdrawal method. As a result, I currently have : No access to my funds No ability to verify account activity No visibility into whether unauthorized transactions have occurred This creates a significant financial risk and security concern. By denying access and failing to provide any alternative, Credit Karma is effectively placing my funds beyond my control. Furthermore, this account was established as part of the XXXX filing process operated by XXXX. I relied on this integrated service with the expectation that my tax refund would remain accessible and secure. Instead, I am now facing a complete breakdown of access and support. I have been a XXXX user for over XX/XX/XXXXyears, and this experience represents a serious failure of duty and trust. Key Issues : Complete denial of access to funds based solely on geographic location Failure to provide any alternative method to withdraw or transfer funds Repeated non-substantive responses despite multiple escalation attempts Inability to monitor account activity, creating security risk Funds effectively held without practical access

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Alliant Capital Management LLC
State: MI

Complaint narrative:
Alliant Capital Management calls me several times a day, leaving voicemail messages that they are trying to get in contact with ( my name ). These messages were left on my husband 's phone. When I reached out, they were abrasive. I asked for them to mail me proof of debt and verification that they took over the debt. The XXXX indicated that by asking for this information, they will get their lawyer involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bnak of America withdrew XXXX dollars from my daughter 's account ending XXXX to pay a credit card that is mine. My account is past due and Bank of America did not offer any payment plan, and took me to a third-party company called XXXX XXXX who built a plan that I am working on. I asked bank of America to remove my name from my daughters account to avoid any other collections from her, and got different feedback in endless calls saying either was done or that I have to go to a branch to do so.

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 2026-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a collection account being reported on my credit file that I do not recognize and did not authorize. This account, associated with Credit Collection Services, is being reported as a collection/charge-off ; however : I did not enter into any agreement with this collection agency. I did not provide authorization for this account to be reported on my credit file. I have not received proper validation of this alleged debt. Additionally, there are clear inconsistencies in how this account is being reported across credit bureaus : The account is reported as open on XXXX but closed on XXXX The Date of Last Activity differs significantly ( XXXX vs XXXX ) These discrepancies indicate inaccurate and unreliable reporting Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request proper validation of any alleged debt. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate and consistent. To date, no sufficient documentation has been provided proving that I owe this debt or that the collection agency has the legal right to collect or report this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation