vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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: NY

Complaint narrative:
A charge for {$40.00} and {$140.00} was made on my account on XX/XX/XXXX. It was fraudulent. I disputed the charge and was given a temporary credit. XXXX months later it was taken out and I got a notification that they denied because I authorized the transaction I did not and of course they provided no proof of this not did they request more info from me or give me a way to appeal or find more information. I've also had my debit card replaced because of fraud issues.

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 2026-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my credit report. Below are the details of the accounts and inquiries that I believe to be inaccurate or need further investigation. Accounts in Dispute : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$620.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries in Dispute : XXXXXXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date XXXX XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
National Credit XXXX ( NCA ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I am filing this complaint against NCA because they are violating both the FDCPA and the FCRA. I sent a formal request for debt validation, but they ignored me and continued to report this account to my credit files. The main issues are : No Proof of Debt : Under 15 U.S.C. XXXX ( b ), a collector must stop reporting a debt until they provide physical proof ( like a signed contract ). NCA has provided nothing, yet they are still reporting this to the bureaus. Dishonest Reporting : My XXXX report from XX/XX/year> shows NCA " verified '' the account but marked it as " Account not disputed. '' This is a direct violation of FCRA Section XXXX ( a ) ( XXXX ). They can not acknowledge my dispute and then tell the credit bureaus that no dispute exists. By reporting an account as " verified '' while failing to respond to my validation request, NCA is reporting inaccurate and unreliable data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: IL

Complaint narrative:
The company is tarnishing my name by using my information without my consent and claiming that a certain debt belongs to me ; howeverI, XXXX XXXX XXXX XXXX no knowledge of this collection agency and have no contract whatsoever with them. Therefore, I demand that they remove this entry and clear my name from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MD

Complaint narrative:
Issue : Missing ACH Deposit / Failure to Locate Funds Complaint : I am filing a complaint regarding a missing ACH deposit in the amount of {$500.00} that was initiated on XX/XX/scrub> 2026 through Square and has not been received in my account. The transfer details are as follows : Amount : {$500.00} Date initiated : XX/XX/year>2026 ACH Trace Number : XXXX Routing Number : XXXX Receiving Account :XX/XX/XXXX XXXX ( Cash App account ) Cash App Case Number : XXXX Summary of events : Square confirmed that the transfer was successfully sent and provided the ACH trace number. I contacted the receiving bank associated with routing number XXXX, which confirmed that the account is a Cash App program account issued through XXXX Bank. I then contacted Cash App, who confirmed that the funds have not been credited to my account and opened a case ( Case XX/XX/XXXXXXXX ). During this process, a Cash App representative also indicated that the funds may have been credited to a different account and that a recall must be initiated by the originator. Despite repeated attempts to resolve this matter : XXXX continues to direct me back to the bank to perform an ACH trace, which has already been completed Cash App acknowledges the funds are not in my account but has not provided a final determination of the transaction status As of today, the funds have not been credited, returned, or otherwise accounted for. Under ACH processing rules, this transaction must have been : Credited to an account Rejected by the receiving institution Returned through the ACH network However, neither Square nor Cash App has provided confirmation of the final status of this transaction. This has resulted in a loss of {$500.00} and significant time spent attempting to resolve the issue between XXXX entities operated by the same parent company, Block Inc. Requested Resolution : I am requesting : A formal ACH investigation and confirmation of the final status of trace number XXXX Immediate recovery and return of the {$500.00} funds to my account if misdirected Coordination between Square and Cash App to resolve this matter without further delay This issue has now remained unresolved for over XXXX weeks, and I am requesting prompt regulatory review and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: CA

Complaint narrative:
Validation of Debt Request - MIDLANDCRE/XX/XX/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 ) 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 XX/XX/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 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This account belongs to a registered charity, " XXXX XXXX XXXX '', and we use these funds to support hundreds of families, especially with the upcoming XXXX holiday. Chase Bank recently restricted/closed our operating account containing over {$240000.00}, and their current demands to release our funds are abusive and practically impossible to fulfill. Initially, Chase flagged a single check for verification. We fully cooperated, went through the difficult process of coordinating a call between a busy donor and the bank, and successfully verified that specific check. However, instead of releasing the restriction, Chase moved the goalposts. They are now demanding that we provide contact information and arrange phone verification for every single donor from every check deposited over the past XX/XX/XXXX days. Furthermore, they explicitly require that this contact information perfectly match whatever outdated information Chase currently holds in its own internal systemsan impossible demand that we have no control over. This is an unfair and abusive practice ( XXXX ) and appears to be a violation of standard funds availability timelines ( RegulationXX/XX/XXXX ) without reasonable cause. The bank is essentially holding charity funds XXXX behind an insurmountable administrative wall. Because of this arbitrary " de-risking '' tactic, needy families will literally go into the XXXX holiday with no food or essentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing regarding my Capital One credit card account ( ending XXXX ), which was charged off in XX/XX/year> with a reported balance of {$780.00}. I am prepared to resolve this account immediately with a XX/XX/XXXX-time settlement payment of {$300.00}, provided Capital One agrees in writing to the following : Upon receipt and clearance of payment, Capital One will contact XX/XX/XXXX and XX/XX/XXXX and request complete deletion of this account from my credit file. I am not requesting a paid charge-off status update - I am requesting full deletion of the tradeline. I understand this is a negotiated settlement below the reported balance. Capital One has already written this debt off as a loss, and I believe a clean resolution benefits both parties. I will not make any payment until I receive this agreement in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
Formal Complaint Inaccurate Student Loan Reporting and Improper Collection Activity To Whom It May Concern, I am submitting this complaint regarding inaccurate credit reporting and improper collection activity related to my student loan account. The student loan accounts in question were paid in full/discharged by the U.S. Department of Education . The loan servicer received this payment and the account balance was satisfied. However, despite the loan being paid, the servicer subsequently transferred the account to a collection agency and it is now being reported as a delinquent collection account. This is inaccurate because no balance was owed at the time the account was placed into collections.I have disputed this inaccurate information with the credit reporting agencies, including XX/XX/XXXX, and XX/XX/XXXX. However, the disputes were investigated and returned as verified, despite the fact that the information being reported is incorrect. This situation is causing significant harm to my credit profile and financial standing. Reporting a paid or XXXX loan as an active collection account is misleading and violates my rights under the Fair Credit Reporting Act. The following amounts are listed for each Loan ; XXXX. {$1900.00} XXXX {$2200.00} XXXX {$3800.00} Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I'm not sure where to start. I purchased my XXXX XXXX XXXX from XXXX XXXX in XXXX, IL, and made payments through XXXX. For almost XXXX years I fought and fought and fought to have my payments either lowered and/or rescheduled to monthly payments instead of the {$250.00} bi/weekly payments. When I purchased this vehicle in XXXX I was employed with XXXX XXXX and they are no longer in business. I tried to keep up with the bi/weekly payments as long as I could. Then came the beginnings of speaking with numerous agents, Some " professional '' and most not. Fast forward, XXXX transfers my account to Westlake Portfolio Mgmt and my nightmares continue. They offer no help. Refuse to lower my current payments and setup new monthly payments, which has been the bone of contention in this matter. NOTHING!!! After reading many reviews online which are for public access, I am fully convinced Westlake Portfolio is operating in a lot of sketchy ways. Their excuse? " Well, sir, you signed a contract. '' Contracts get redone everyday in all lines of businesses. I accidently made the wrong payment last week unbeknownst and now my almost a XXXX dollar payment is " in review '' for a refund. The agent I spoke to on Thursday said it takes between XXXX days for a refund. I called today several times and have received several different answers. Today I was told it might XXXX days. Westlake is a scam and should absolutely NOT be in this line of business. Shame on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Modern Adjustment Bureau
State: CA

Complaint narrative:
Validation of Debt Request - MODRN ADJ BU/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 ) 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 2026-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing a complaint against Credence Resource Management ( XXXX, TX ) for violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XX/XX/ 2026, I sent a written debt validation request regarding an alleged debt that I know I do not own. Credence received this request on XX/XX/ 2026 which was confirmed by certified mail. Credence failed to provide any validation of the debt within the required timeframe of XX/XX/XXXX days. Despite this, they continued collection activity by reporting the account to XX/XX/XXXX on or about XX/XX/2026 which is after they received my validation request. Reporting a debt to a credit bureau after receiving a validation request, without providing validation, constitutes continued collection activity and is a violation of the FDCPA. Additionally, the account is inaccurate and does not belong to me. Reporting unverified and disputed information violates the FCRA. I request : XXXX ) Immediate deletion of this account from all credit reporting agencies XXXX ) Written confirmation of deletion XXXX ) Documentation of any investigation performed I am maintaining records of all correspondence and reserve the right to pursue further legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cascade Capital, LLC
State: TX

Complaint narrative:
Previously disputed and company responded with insufficient documentation and an itemizedbill that does not support requirements for debt validation. I will attach itemized bill for reference as this is not sufficient in proving debt owed, as well as being sold to cascade capital after reporting to ability services. To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. XXXXg of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. XXXX of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title including all assignments and transfers of the alleged debt ; XXXX. A bill of sale or purchase agreement proving legal ownership of the debt ; XXXX. Proof of licensing to collect debt in my state ; XXXX. XXXX. Surety bond information ( if required by law in your jurisdiction ). XXXX. A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. XXXX. Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : XX/XX/XXXX 15 U.S.C. XXXX - False or misleading representations XX/XX/XXXX 15 U.S.C. XXXX - Unfair practices XX/XX/XXXX 15 U.S.C. XXXX - Failure to validate debt XXXX. If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. XXXX. XXXX and XXXX, including but not limited to statutory damages, punitive damages, legal fees, and costs. XXXX. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: SANTANDER HOLDINGS USA, INC.
State: SC

Complaint narrative:
I am filing a complaint against SXX/XX/XXXX regarding an auto loan, repossession, and an alleged deficiency balance that I dispute. My vehicle was repossessed on or about XX/XX/year>2025. I received a notice stating the vehicle would be auctioned on XX/XX/scrub>, 2025. However, I never received any post-sale notice explaining the results of the sale, including the amount the vehicle was sold for or how the remaining balance was calculated. Despite this, XX/XX/XXXX is reporting that I owe a balance of approximately XX/XX/XXXXXXXX. Under South Carolina law ( XXXX XXXX XXXX. XXXX ) and the Uniform Commercial XXXX Article XXXX, a lender is required to provide a post-sale explanation of any deficiency balance after repossession. This includes the sale price, how proceeds were applied, and how any remaining balance was calculated. Santander has failed to provide this required notice and documentation. Without this information, I can not verify the accuracy or legality of the debt being reported and collected. I am requesting that XX/XX/XXXX: XXXX. Provide proof of mailing of the post-sale notice, including date, time, and address used XXXX. Provide a complete and accurate post-sale accounting of the vehicle sale XXXX. Provide documentation showing the sale was commercially reasonable XXXX. If they can not provide this documentation, delete the account and any associated balance from all credit reporting agencies I believe the balance is inaccurate and may not be legally enforceable due to failure to comply with required post-repossession notice laws. I am requesting a full investigation into this matter and appropriate corrective action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am writing to formally dispute certain information currently being reported on my credit report. I have identified accounts listed under my name that I do not recognize and did not authorize. These accounts appear to have been reported without my knowledge or consent. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. XXXXb, a consumer reporting agency may only furnish a consumer art under permissible purpose, I do not believe that any such permissible purpose existed for the reporting of the disputed accounts. Additionally, pursuant to 15 U.S.C. XXXX, any information resulting from identity theft or unauthorized use must be blocked from reporting once properly disputed. Further, under 15 U.S.C. XXXX, you are required to conduct a reasonable reinvestigation of disputed information within XXXX days of receipt of this letter. I am requesting that you : XXXX. Conduct a thorough investigation into the following : XXXX. Provide documentation verifying that I authorized or am legally responsible for these accounts ), including any original signed agreements or contracts. XXXX. Remove and delete any account ( XXXX ) that can not be verified as mine or that were reported without a permissible purpose. XXXX. Send me written confirmation of the results of your investigation. Please note that failure to comply with the FCRA may result in further legal action. I am fully prepared to escalate this matter if necessary to protect my rights under federal law. Please complete your investigation and respond within the statutory timeframe.

Company response to consumer: Closed with explanation