vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding the inaccurate and incomplete reporting of a medical collection account related to XXXX of XXXX XXXX that appears on my credit report. I previously disputed this account with the credit bureaus, but the furnisher marked the account as Completed investigation of FCRA dispute consumer disagrees without providing any documentation, validation, or corrections. The account was updated in XX/XX/XXXX, but no new information or proof was provided. The account is being reported with multiple inaccuracies and missing required information. The balance history shows the same {$820.00} balance every month from XX/XX/XXXX through XX/XX/XXXX, with {$0.00} scheduled payments and {$0.00} paid. This suggests no investigation or verification was performed. The account also does not include required fields such as the Date of First Delinquency ( DOFD ), Date Closed, Highest Balance, or any itemized medical billing information.This is a medical debt, yet no itemization, date of service, insurance adjustments, or proof of assignment from the original creditor has been provided. The furnisher has not provided any evidence that they own the debt or have the legal right to report it. The account is also coded incorrectly, showing terms and other fields that do not apply to collection accounts. I requested verification through the credit bureaus, but the furnisher did not provide any documentation or explanation of how the account was verified. They simply marked the dispute as verified without supplying the method of verification or any supporting records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have file dispute with credit bureaus and this has not been removed. I was released from prison in XXXX. My XXXX XXXX directed me to join a program that was free at XXXX XXXX for HVAC. Administration corroborated this. I was only in the program for three days because I was suffering from XXXX attacks. I was told to formally withdraw which I did. On my credit report it says I got a loan in XXXX of XXXX made payments for a year and quit. Which is false. All bureaus have conflicting information. I also reached out to XXXX which is what is on my credit report and requested the promissory documentation and they have a signed digital signature. I never signed for a loan because it was a free program. Please remove this account from all credit bureaus because it is not correct. XXXX Date opened XX/XX/XXXX. Last payment XX/XX/XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX. Last payment XX/XX/XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian Date open XX/XX/XXXX. Last payment XX/XX/XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2026-03-10 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: IL

Complaint narrative:
Complaint against : JPMorgan Chase Bank I am filing a complaint regarding the handling of a credit card dispute by Chase. On XX/XX/year>, I purchased rugby match tickets through XXXX for {$1400.00} using my Chase United Visa credit card. The event took place on XX/XX/year>. Prior to the event, I attempted to claim the tickets through XXXX as instructed. The system indicated the tickets had already been claimed and I was unable to access them. I spent more than six hours on the phone with XXXX attempting to resolve the issue. XXXX confirmed that the tickets remained with the original owner. XXXX representatives told me they would issue a refund and instructed me to purchase replacement tickets so I could attend the event. I did so based on their representation. Despite these assurances, XXXX never issued the refund. I filed a dispute with Chase, but the claim was denied because Chase stated that too much time had passed since the date of the charge. However, this was a ticket purchase tied to a specific event date of XX/XX/year>, which should be considered the service date. The merchant failed to provide the purchased tickets and acknowledged the issue while promising a refund. I believe the dispute should have been evaluated based on the service date and the merchants failure to deliver the service. I am requesting that Chase reopen and properly review the dispute under the appropriate Visa reason code for services not rendered. I have documentation supporting the claim, including merchant communications and XXXX confirmation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I contacted LVNV/Resurgent regarding a debt to settle it. Before I agreed to pay the debt I asked the agent if they would agree to delete the account from my credit report in exchange for paying it. The agent reassured me that the debt will be removed from my credit report once it is paid. She told me they will send the request and it could take up to 30 days for it to be removed from my credit report. I went ahead and paid the collection with that agreement. After viewing my credit report I noticed they did not honor our verbal agreement. Instead, they reported to the credit bureaus that the account was settled for less and paid however it still remains on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
Carrington Mortgage Services , LLC took over my XXXX XXXX in XXXX and offered me a grace to pay XX/XX/XXXX. On XXXX XXXX I made 2 of the payments online from my bank account and got an email thanking me for the payment. I checked the account and they had returned it and my bank said they never took it or tried an ACH. I called Carrington and paid it over the phone and they told me they had it and it would process. Yesterday, again, they did not take the mortgage amount from my bank account and I saw I had a foreclosure notice and they have threatened to take my VA authorization for life. I am a 100 percent XXXX veteran and served my country honorably. It is not for the lack of trying to pay this mortgage. I have XXXX and XXXX and this is making my XXXX rise up and it could cost me my health. I need your help. I am even going to ask to have a lawyer support me in case they try to take my property and return my paper check I sent overnight to them today. I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
During a XXXX timeshare presentation, my spouse and I were asked to provide our Social Security numbers and sign a tablet to enroll in a rewards program. While reviewing the screen, we noticed language referencing financing. We specifically asked the representative about this and were explicitly told it was only for rewards enrollment and not a credit application. After the presentation we discovered that a credit card application had been submitted using our information and a hard credit inquiry was performed. We did not knowingly or willingly apply for a credit card. Our Social Security numbers were obtained under misleading pretenses. This inquiry was not authorized and did not have informed consen t.

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I am submitting this complaint regarding the sudden closure/termination of banking services on my HSBC US personal checking/savings accounts ( XXXX ) and associated credit card, without prior warning or specific reason. I fully understand that HSBC US has the right to make service decisions. However, I have maintained these accounts in full compliance with all applicable US laws and HSBC terms for the past 2 years, with no suspicious, fraudulent, or irregular activity whatsoever. This closure occurred after I updated my residential address following the sale of a property, and also after processing a batch of credit card refunds due to a change in my travel plans. The timing strongly suggests a possible misinterpretation or temporary data glitch in the banks risk control model regarding my updated information. Additionally, there remains an outstanding rewards balance on my credit card. The bank has refused to allow manual redemption because the card was revoked as part of the account closure. I have already escalated the unfair closure internally to Customer Relations ( Case ID : XXXX ) but have received no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I opened an account at XXXX XXXX. TD Bank is bank for this XXXX credit card with a {$10000.00} balance I made 2 big purchases. In XXXX, my purchase totaled {$2100.00}. The promo was 24month zero interest as long as I paid in full within the 24 months. The second purchase was in XXXX totaling {$3700.00} After my first purchase, I contacted TD Bank, on a recorded line to set up auto draft monthly payments. I asked TD Bank, what amount will keep me within the 24 months zero interest promo, paying the balance within the 24 months. TD Bank established the dollar amount. I believe it was {$89.00}. I rounded up to {$100.00} and approved auto draft. The bank has been auto drafting every month to date The second purchase, I called TD Bank to set up the second purchase atop the 1st purchase and did the exact same as the first purchase. This purchase was 60 months zero interest TD Bank established the dollar amount that would keep my second purchase in the promo, interest free period along with the 1st purchase, paid in full within the zero interest period. I approved the auto draft I recently found out the first purchase went beyond the interest free period by roughly {$87.00}. I was not notified at all. TD Bank established the dollar amount to pay this off within the zero interest 24 month period, not me. I have sent 2 disputes. They rejected my dispute refusing to correct their error in attempt to scam me. They set the dollar amount on both purchases. Td Bank did! I feel they intentionally and maliciously set the dollar amount falsely. I went to the XXXX store I made the purchase from. And spoke with the manager. He informed me they dropped TD Bank because of this exact same issue. According to the manager, I am one of many victims. Please help me force them to correct this. Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NH

Complaint narrative:
I opened an account and deposited a check for {$10000.00} - XXXX in checking XXXX in savings at M & T Bank on XX/XX/year>. I was instructed that for all new accounts check deposits are held for 5 business days. However, the next day my accounts were showing these funds as available. I went to the branch where I opened the account and saw the teller who opened it. She said that yes the funds are available but they shouldn't be so they were going to have to call to find out what happened. She said they would not allow me to withdraw any funds even though they were available. I went to another branch and they said that the first branch placed a note in my account so they couldn't let me withdraw any funds without clearing it with the other branch. They would not tell me what exactly the note said. They thought it was strange as they have never seen that before and if it wasn't for that note they would be able to let me withdraw funds. They could not get through to the other branch on the phone so I was not able to withdraw any funds. I received my debit card and activated it without any issue on XX/XX/year>. However, I have been unable to use it for any sort of transaction as they are all declined. I can not transfer money online from the account. I understand their policy regarding holding check deposits. I have read their policies on freezing an account and no where does it state that they may do this to correct an error that they made.

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 2026-03-10 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: PA

Complaint narrative:
A collection account from Midland Credit Management is being reported on my credit report with a balance of approximately {$3200.00}. I have previously disputed this account because I have not received proper validation of the alleged debt. Despite the dispute, the account continues to be reported as an open collection account. I have not been provided with sufficient documentation verifying the debt, including the original agreement, billing history, or an itemized breakdown showing how the balance was calculated. The credit report shows that the account information has been disputed by the consumer, yet the reporting continues without proper validation. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, collectors must provide verification of the debt when it is disputed. I am requesting the following : Full validation of the alleged debt, including the original creditor, signed agreement, and itemized balance. Documentation showing Midland Credit Management has legal authority to collect this debt. Correction or removal of this account from my credit report if the debt can not be properly validated. Until proper validation is provided, I formally dispute the accuracy of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I want to dispute some hard inquiries that I found on my file, this was reported without my consent. I am pretty sure that this violation falls under 15 USC 1681b ( 2 ) for reporting an information without permissible purpose. I want to remove these hard inquiries on my file because they are one of the reasons why my credit score is declining and it hurts a lot for me because I am trying my best to maintain my good score so I won't be having a hard time in the future when the time comes I'm going to use it for loans. These are the inquiries in question : XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
I am submitting this complaint regarding an unresolved issue with bill pay transactions on my account with U.S. Bank. The issue appears to be related to a system migration that occurred in XXXX, which resulted in incorrect processing of bill pay transactions. Despite numerous attempts to resolve the matter, I have been unable to obtain consistent assistance or a clear resolution. My local branch in XXXX XXXX initially informed me that they were unable to assist and directed me to contact the banks toll-free customer service number. I then began contacting customer service and speaking with multiple representatives in an effort to resolve the issue : I first spoke with XXXX for approximately XXXX minutes. I was then transferred to XXXX in the disputes department for about XXXX minutes. During that call, I requested to speak with a XXXX and was transferred to XXXX, who advised me to call another number ( XXXX ). At that number, I spoke with XXXX, who had no information regarding the issue. After requesting several times to speak with someone in the United States, I was eventually connected with XXXX. She informed me that there had been a system migration which resulted in numerous bill pay errors. She stated she worked with a supervisor to correct the migration issue. I was then transferred again to the disputes department, where the call was disconnected. I later spoke with XXXX, who created dispute numbers XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. However, she failed to include any notes in the dispute record. On XX/XX/XXXX, I spoke with another agent who disconnected the call. I then spoke with XXXX at XXXX, who said she could not assist and attempted to transfer the call before it was disconnected again. I subsequently contacted another branch and spoke with XXXX, the branch XXXX in XXXX, Idaho, who again advised me to call the same customer service number. In total, I spent most of the day attempting to resolve this issue and spoke with more than XXXX representatives, several of whom disconnected the call. The underlying issue is that my account is set up to send XXXX separate bill pay checks to XXXX and XXXX, checks # XXXX and # XXXX. However, these payments were processed as Other Withdrawals and listed as direct payments, which is not how they were originally set up in the bill pay system. I am requesting that U.S. Bank : Investigate how the system migration caused this processing error. Correct the bill pay records to accurately reflect the payments as checks. Provide a clear written explanation of what occurred. Improve internal handling of customer disputes so that customers are not repeatedly transferred without resolution. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CREDIT ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
I lost the car in an accident it was totaled and now they are still charging me late payments ever since XXXX of 2023 .. according to 15 USC 1666b.... They don't have the right to report late payments.

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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: U.S. BANCORP
State: CA

Complaint narrative:
XXXX. In XX/XX/XXXX2023 I lost my full time job due to a corporate reorganization. XXXX. Struggled to make payments until my IRA was exhausted. XXXX. In XXXX or XXXX XXXX, I contacted Elan Financial and tried to explain my situation. 4. Answer from Elan was " Your account is not past due. I can't help you ''. 5. Following days I contacted Elan and asked to speak to collection department. 6. Again, same Answer " They won't talk to you because not delinquent ''. 7. My response was " It's about to become past due. 8. Ceased making the minimum monthly payment program. 9. Utilized 3rd party debt management. 10. Tried to reach Elan again but same story " Not past due. Can't help. '' 11. Since Elan couldn't/WOULD N'T help me, I told my debt management program that if they are unwilling to work with me or at least talk to me, then I can't help them. 12. Yes I expected collection calls. 13. Once account past due, only then did I get a call from Elan. 14. I tried to pay what I could monthly but was lucky to scrape up half a payment. 15. Collection calls continue, which I understand. 16. Elan kept trying to sell me THEIR debt management program. 17. Explained to Elan they refused to work with me, therefore I refuse to use their solicitation company. 18. No matter what I pay or how past due I am, my balance should have not gone up in 10 months. 19. Asked for waived late charges. Declined 20. Asked for temporary rate reduction to help get back on my feet. Denied. 21. Was told the account is being charged off. I can't stop that. 22. What I see as an injustice is the fact I literally begged Elan to help me. Elan then ridiculously increased my interest rate, increasing monthly payments and interest accrual. 23. Now they are calling me every other day trying to grind {$3500.00} out of me to avoid charge off. 24. I can't prevent the charge off. 25. Never anticipated I couldn't get employed at XXXX XXXX XXXX. I work regulatory compliance regarding consumer federal regulations and I am a money laundering investigator. I spent many years as a bill collector and have NEVER seen a financial institution/servicer refuse to work with a first time delinquent. 26. If the couple XXXX wasn't enough that I was managing to pay then I will only be able to pay {$25.00}. 27. Working with Elan has been a nightmare. Half the time when the auto dialer calls me, no one is on the line. 28. Everything I own has been sold and liquidated.

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