vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Validation of Debt Request - AFFIRM INC - YMV * * * * * 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 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
We had a normal monthly bill to our Chase Credit Card due in the amount of {$2100.00}. We used XXXX from our bank to pay this amount on XX/XX/year>. We aren't sure how it happened, but we ended up paying {$210000.00}. The error was caught immediately. Our bank 's XXXX Department attempted to recall the mistaken payment XXXX times but something on Chase 's XXXX did not allow the transaction to go through. XXXX of the XXXX XXXX from XXXX, our personal bank, contacted Chase on our behalf to see what was needed. Upon request, they faxed Chase a written and signed refund request letter and included routing and account numbers. This happened on XX/XX/year>. Chase said at that point they would process the transfer in the next few days. XXXX week passed and we called them to check on status at which point they explained it could take up to XXXX business days. We waited patiently again and called them on XX/XX/year>. All of our interaction was being done through Chase Secure Messaging on our account. During this call they explained that they had never received any request or letter. They instructed us to resubmit the letter along with a voided check this time. They also opened an official case to reference ( XXXX ) and explained that this would be reviewed and then IF it were to possibly get approved could then take another XXXX business days to process. Here we are now XXXX month later. Chase still has over {$200000.00} of our money and they still have not made any attempts to transfer it back to us. They have also implied that IF we do get approved for this that it will be processed as a purchase ( My guess is that will trigger a XXXX XXXX transaction charge )? I am not confident that Chase will return my overpayment at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
The Paysafe company is charging me for a debt I don't recognize and didn't sign up for. A company then put my name on a collection list for something I don't owe. I disputed the debt on the debt collection website and also contacted XXXX & XXXX, who told me to contact XXXX, but the burden of proof lies with the company that is charging me. I requested proof of the debt, and they haven't responded since. I need this removed from my record because it's affecting my credit and credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This complaint is a follow-up to my previous CFPB complaint ( ID : XXXX ). On XX/XX/XXXX, American Express responded stating that a credit of {$210.00} was issued as part of the resolution. However, after contacting customer service, I was informed that this amount refers only to credits issued in XX/XX/XXXX ( returned payment fee reversals and interest adjustments ), which were applied before the complaint was resolved. No new credit was issued after the CFPB response. This makes the companys response inaccurate and misleading, as previously issued credits were counted as new relief in the official resolution. This situation has caused significant stress and frustration, especially as the original issue occurred during a period of medical hardship. I relied on the companys response in good faith, expecting that a new credit had been applied, only to find that no actual new resolution was provided. Given the incorrect guidance I initially received from American Express, the resulting financial impact, and the inaccurate CFPB response, I request that the company provide compensation totaling {$430.00}, which includes the originally stated {$210.00} credit and an additional {$210.00} goodwill adjustment. I also request that the company provide a corrected and accurate explanation of the actions taken to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: Coinbase, Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX, I disputed a portion of a {$210.00} charge on XX/XX/XXXX for a refund of a {$15.00} shipping fee that the merchant had charged without notice that a return fee would be applied. A temporary credit of the full amount was applied. The merchant refunded {$190.00}, the full amount less their {$15.00} return fee, in late XXXX. On XX/XX/XXXX, Coinbase returned that they have ruled in my favor on the {$15.00} fee and reversed the full {$210.00} temporary credit without re-adding the {$15.00} credit ruled in my favor, as well as reversing the {$5.00} in cashback rewards associated with the original charge. On XXXX, after still not seeing the credit on my statement, I called Coinbase, who claimed the charge had been applied but they would escalate for review. After still not seeing it and not hearing back, I called again on XX/XX/XXXX and was told the same thing and that they would reach out with further details. On XX/XX/XXXX, I manually added up every single transaction on the card and was able to reconcile the account less the {$15.00} charge that was still missing. It has not appeared on any paper statements either like they had claimed. As of today, I have yet to hear anything back and have still not received the {$15.00} credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 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: MS

Complaint narrative:
To Whom It May Concern, I am responding to your recent communication regarding the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act. I dispute the validity of this debt and request that you provide competent evidence that I have a legal obligation to pay it. Please provide the following documentation : The name and address of the original creditor. The full amount of the alleged debt, including an itemized accounting of interest, fees, or other charges. Copies of any contracts, agreements, or documents bearing my signature that show I agreed to assume this debt. Documentation proving your company has been assigned or has the legal authority to collect on this debt. Proof that your agency is licensed to collect debts in my state. Be advised that until you provide proper validation of this debt, you must cease all collection activities, including reporting or continuing to report this account to any credit reporting agencies. If this account has been reported to any credit bureaus such as XXXX XXXX, or XXXX without proper validation, I request that it be immediately removed or marked as disputed. Any attempt to collect this debt without providing the requested validation may constitute a violation of the Fair Debt Collection Practices Act and other applicable laws. All future communication regarding this matter must be in writing. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: AZ

Complaint narrative:
NCB MANAGEMENT SERVICE is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB MANAGEMENT SERVICE 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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX for repeatedly and illegally furnishing inaccurate, false, and re-aged information to the credit bureaus, which resulted in the unlawful reinsertion of an account that had already been deleted multiple times from my credit reports. Account Details : XXXX XXXX XXXX Santander Auto Loan Account XXXX : XXXX Reinsertion Timeline : Account deleted from multiple credit bureaus on several occasions Reinserted again on XX/XX/XXXX Verified and falsely updated on XX/XX/XXXX XXXX XXXX is illegally furnishing data to the credit reporting agencies in violation of federal law. The information they reported is factually impossible, inaccurate, and unlawful to furnish, including : New past due amounts in XXXX on an account charged off years ago A new Status Updated XX/XX/XXXX A new Balance Updated XX/XX/XXXX Continuous charge-off months appearing years after charge-off A new reporting expiration date of XX/XX/XXXX False XXXX delinquencies that never occurred Illegal extension of the Date of First Delinquency These actions constitute illegal re-aging under FCRA 623 ( a ) ( XXXX ). XXXX XXXX is also continuously resubmitting this account for reporting after it has already been deleted by the credit bureaus, which results in illegal reinsertion under FCRA 611 ( a ) ( 5 ). They have knowingly caused Experian and TransUnion to violate federal reinsertion requirements. In addition, XXXX XXXX has reported this account as charged off and written off, yet they have never issued IRS XXXX XXXX, which is required when a creditor cancels or charges off debt over {$600.00}. Reporting a charged-off debt without issuing a XXXX is misleading, deceptive, and violates IRS requirements and FCRA accuracy standards ( 623 ( a ) ( 1 ) ( A ) ). I have contacted XXXX XXXX multiple times and provided evidence proving that : the account is reporting illegally the data being furnished is inaccurate the credit bureaus previously deleted the account I never received the required IRS Form XXXX they are resubmitting the account despite prior removal they are furnishing new delinquency dates that did not occur XXXX XXXX has refused to correct these violations and continues to furnish false information. Harm Caused : XXXX XXXX illegal furnishing has caused : XXXXredit score drops of XXXX points multiple credit denials higher interest rates loss of financing opportunities emotional distress, anxiety, and frustration reputational harm interference with my ability to obtain housing or credit significant time and effort spent disputing their unlawful reporting These harms are ongoing and substantial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was on the apartment list website when they scamming people for the apartment deposit.,, I wired XXXX and it was all a scam trying to dispute with Bank of America but they only provided me with XXXX dollars out of XXXX please help me Im having a hard time with my life right now financially is getting hard for me

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 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: FL

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 ) 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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had open up a checking account we kept the XXXX XXXX and deposited funds in there and also my direct deposit checks and close the account and thought it was fraudulent activity or so and never refunded my {$200.00} that I had left from there and they said they are not going to refund it but I have to go down in a cookout over an XXXX away drive over there and I do not have a transportation for that and they have been months

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: MI

Complaint narrative:
Valor Intelligent Processing , LLC is unwilling to verify the debt after asking them to do so. I believe this to be a case if identify theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, my name is XXXX XXXX. I previously sent your agency a letter on XX/XX/year>2026, and this is now my XX/XX/XXXX attempt to dispute the same account. I am honestly exhausted and frustrated that this issue still has not been resolved. You have the choice to correct and remove this inaccurate information, or continue reporting false data and remain responsible for the damages it is causing. I am asking you to comply with your legal obligations and resolve this matter immediately, as all items listed in this complaint are reporting incorrect information on my credit report. Because of these errors, I have not been able to properly use my credit, and it continues to negatively impact my daily life. For the sake of my mental health and my family, I am asking youplease carefully review the attached letter and delete these accounts from my credit report as soon as possible so my file can finally reflect accurate information.

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 2026-03-24 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: FL

Complaint narrative:
I am filing this complaint against Ally Bank for refusing to investigate or open a dispute regarding a material breach of contract and a statutory title violation by their contracted dealer, XXXX XXXX Florida. On XX/XX/year>, I financed a vehicle ( VIN : XXXX ) through Ally Bank. Under Florida XXXX XXXX, the dealer is legally required to transfer the title and registration within XX/XX/XXXX days. As of today, XX/XX/XXXXdays have passed, and the dealer has failed to provide a title. My temporary registration expired on XX/XX/year>, rendering the vehicle illegal to operate. I sent a formal Notice of Rescission to the dealer on XX/XX/year>, due to this title failure and undisclosed vehicle defects ( pest infestation and chemical residue ). The dealer has failed to respond. I contacted Ally Bank multiple times to report this " Failure to Title, '' but representatives refused to open a dispute, stating they " can not flat cancel '' and that I must deal with the dealership directly. Ally Bank is currently holding an unsecured loan because the lien has not been perfected due to the dealer 's statutory violation. By refusing to intervene or halt funding, Ally is facilitating a predatory transaction. I am requesting that Ally Bank acknowledge the rescission, reverse the funding to the dealer, and close this account without penalty or negative credit reporting.

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 2026-03-24 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: NY

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 non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request to Meridian Financial Services regarding an alleged debt they are attempting to collect. This request was made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I dispute this debt in its entirety. The alleged debt originates from a timeshare contract executed in XXXX and governed by foreign law. The timeshare was sold under false and misleading representations. In my validation request, I specifically asked Meridian Financial Services to provide the following : A copy of the original signed contract Proof that I agreed to U.S. jurisdiction Proof that the collection agency has legal authority to collect this debt within the United States A complete accounting of the alleged debt To date, Meridian Financial Services has failed to provide any of the requested documentation. Despite this, they have continued collection efforts and have reported this account to the credit bureaus. This account appeared on my credit report on XX/XX/year>. I disputed the account with XXXX ; however, a reasonable and thorough investigation does not appear to have been conducted, as the account was verified without proper validation being provided to me.

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