vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
New CFPB complaint addressing closed CFPB complaint XXXX. LYONS , DOUGHTY & VELDHUIS , P.C . ( " LDVLAW '' ) states XXXX XXXX XXXX XXXX XXXX ( XXXX ), was assigned Complainants credit card account, which originated with XXXX XXXXXXXX XXXX The account was charged off on XX/XX/XXXX. Consumer submitted a Demand for Validation to XXXX on XX/XX/XXXX, see attached. XXXX failed or refused to provide validation as required by FDCPA. LDVLAW further states Our initial validation notice ( Notice ) was sent to the complainant on XX/XX/XXXX, using the address included in the Complaint. The Notice provided instructions for disputing the debt and requesting verification. Under the Federal Fair Debt Collection Practices Act/Regulation F ( FDCPA/Reg F ), the right to request verification extends for a thirty-day period after a consumer is notified of this right. Having received no contact from complainant, a complaint for the balance owing was filed in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. Accordingly, the time had expired for complainant to make a validation demand prior to the filing of the complaint. Consumer received the Notice from LDVLAW on or around XX/XX/XXXX. A demand for validation of debt was sent to LDVLAW on XX/XX/XXXX, see attached. LDVLAW failed or refused to provide validation of debt as required by the FDCPA. FDCPA was created for the very activity LDVLAW is engaging in, the abuse, deceptive, and unfair debt collection practices.

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 is not yours
Company: Hillcrest Davidson & Associates
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I made a payment through my XXXX app on my phone ( how I have made all my payments to the Bank of America Credit Card ), on XX/XX/XXXX for the amount of XXXX dollars. Bank of America says they never received the payment. I have been calling BofA for over a year now, continually telling them the above. At one time, I had a 3 way call with XXXX and Bank of America proving I made the payment. BofA continually runs checks saying they never received the money. How ever every single payment made, accept the XXXX dollars, was received by BofA. The XXXX dollars was withdrawn from my account. I have a disputed claim with XXXX, and they found the money was sent to BofA electronically.

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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
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 ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Block, Inc.
State: TN

Complaint narrative:
I Placed An Order With XXXX XXXX XXXX XX/XX/XXXX For 6 Items 3 Were XXXX XXXX XXXX And The Other 3 Were XXXX XXXX XXXX The Package Was Delivered XX/XX/XXXX At XXXX XXXX I Brought The Package In At XXXX XXXX I Open The Package To Find The Box Was Completely Empty And Immediately Contacted XXXX XXXX XXXX At XXXX XXXX I Couldnt Get Ahold Of Anyone At The XXXX TN Location Where The Package Came From So I Contacted The One In XXXX TN And Left Them My Information So I Can Be Contacted Next Day XX/XX/XXXX I Received An Email From XXXX XXXX From XXXX XXXX Support Asking For Details About The Issue I Explained I Received An Empty Package And Her Email Back Was Due To Their Policy They Cant Refund Or Replace Items From A Package That Was Stolen I Replied With I Looked At The Policy And It States If The Package Is Stolen After Delivery They Wont Refund Or Replace But That I Received The Package It Was Just Empty And She Replies With It Shows In Their System That The Package Was Scanned And Weighing Over 13 Lbs When It Left The XXXX Location So XXXX Assuming It Was Stolen In Transit I Tried To File A Claim With XXXX Online And Couldnt So I Called And Was Told I Couldnt File A Claim That The Shipper ( XXXX XXXX XXXX ) Will Have To File The Claim I Emailed Back Asking For A Claim To Be Filed With XXXX And Havent Gotten A Response Since. I Payed With XXXX And Have Spoken With Them And They Are Saying They Cant Refund Money Either And That Its Up To Merchant A Police Report Has Been Filed Today XX/XX/XXXX

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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My promotional plan ended XX/XX/XXXX and incurred a {$2100.00} interest charge to my {$2400.00} balance. No late payments, and I intend to pay the full balance before the expiration date. I mixed up the dates with with other bills, tried calling XX/XX/XXXX to have a one time curtesy, goodwill deferred interest charge and they wouldnt help me although I was willing to pay off my balance.

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: CL Holdings LLC
State: AZ

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
My identity and credit was stolen i had a credit alert on my account there are several items on my credit that don't belong to me I asked for proof it was mine. There also are address that aren't mine I asked to have removed off my credit report and bills that I paid on already are still showing on my credit report.

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: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
b"Fraudulent charges on my Chase debit card from XXXX which appears to be a fake business. (There is no real app on the app store, and parent company name appears to be fake) I did not give the card information to anyone except three legitimate online vendors, and never lost the physical card. \n\nChase agreed to reverse only the most recent two charges, stating policy against reversals older than 30 days. Did not say if they would investigate, or if the charges would be reversed if funds were recovered. \n\nDates and amountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
New CFPB complaint addressing closed CFPB complaint XXXX. XXXX, XXXX XXXX XXXX, XXXX. ( " XXXX '' ) states Midland Credit Management , Inc. ( Midland ), was assigned Complainants credit card account, which originated with XXXXXXXX XXXX XXXX The account was charged off on XX/XX/XXXX. Consumer submitted a Demand for Validation to Midland on XX/XX/XXXX, see attached. Midland failed or refused to provide validation as required by FDCPA. XXXX further states Our initial validation notice ( Notice ) was sent to the complainant on XX/XX/XXXX, using the address included in the Complaint. The Notice provided instructions for disputing the debt and requesting verification. Under the Federal Fair Debt Collection Practices Act/Regulation F ( FDCPA/Reg F ), the right to request verification extends for a thirty-day period after a consumer is notified of this right. Having received no contact from complainant, a complaint for the balance owing was filed in the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. Accordingly, the time had expired for complainant to make a validation demand prior to the filing of the complaint. Consumer received the Notice from XXXX on or around XX/XX/XXXX. A demand for validation of debt was sent to XXXX on XX/XX/XXXX, see attached. XXXX failed or refused to provide validation of debt as required by the FDCPA. FDCPA was created for the very activity XXXX is engaging in, the abuse, deceptive, and unfair debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened an account with the promotional {$300.00}. I calked a month ago to claim this. A supervisor told me I will receive the first week of XXXX. I called today and was told that no promotion was linked to my account. I know these calls are recorded. This is fraud. I want what was promised.

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: VA

Complaint narrative:
I am filing a complaint regarding Chase Banks handling of a credit card dispute involving a rental car transaction in XXXX with a company called XXXX XXXX XXXX XXXX On XX/XX/year>, my credit card was charged {$1500.00} & {$1100.00} related to this rental. After the rental began, the merchant demanded additional payments that were not clearly disclosed beforehand, including a so-called security deposit and later charges claiming damage to a wheel. When the vehicle was returned, the merchant claimed a scratch on a wheel and charged additional amounts. However, we had visited XXXXXXXX XXXX XXXXXXXX hotel shortly before returning the car, and the hotel reviewed their security footage and confirmed that no scratches occurred during the time the vehicle was parked there. Despite requesting proof of the alleged damage, the merchant did not provide repair receipts, garage documentation, or a proper damage inspection report showing the condition of the vehicle before and after the rental. Instead, they issued an invoice containing repair related charges without supporting documentation. I disputed the charge with Chase and provided evidence including messages and documentation showing that the merchant refused to provide proof of repair and that there was independent confirmation that the damage did not occur during our visit to the hotel. Chase initially issued a temporary credit but later rebilled the amount after the merchant submitted the rental agreement stating the renter is responsible for damages. The representative explained that because the contract states the renter is responsible for damage, the dispute could not be reopened. My concern is that Chase relied solely on the merchants contract and did not meaningfully evaluate whether the merchant actually proved that the damage occurred during the rental period or whether the charges were legitimate. The evidence I provided showing that the damage was disputed and unsupported by repair documentation was not properly considered. I am requesting a review of Chases dispute investigation process and the decision to rebill the disputed amount without adequately addressing the lack of proof from the merchant.

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: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company never sent me paperwork that they were suing me or served me I got home today and paperwork was taped on my door with blue tape my neighbor said they had all my information visible for everybody to see and it was

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I am submitting this complaint regarding a Navy Federal Credit Union credit card account that is being reported on my credit reports as a charge-off even though the account is the result of identity theft. I have attempted to resolve this matter directly with Navy Federal Credit Union XXXX XXXX but the inaccurate reporting continues. According to my credit report dated XX/XX/XXXX, Navy Federal Credit Union is reporting a credit card account that was opened on XX/XX/XXXX with a credit limit of approximately {$16000.00} and a balance of about {$17000.00}. The account is currently reported as charged off and in collection status with the full balance past due. The account record also shows several irregularities that support my claim that the account is fraudulent : The account lists no payment history available, which is inconsistent with a legitimate credit card account. The account is reported as Collection/Charge-Off with {$17000.00} past due. The credit report states Dispute resolved subscriber disagrees, even though the matter has not been resolved and the fraudulent account continues to appear on my credit report. I have formally disputed this account with Navy Federal Credit Union and informed them that the account was opened fraudulently. I also filed a police report with the New York Police Department ( Report # XXXX ) documenting the identity theft and provided this information to support my claim. Despite receiving notice of identity theft and my dispute, Navy Federal Credit Union has continued to report the account as valid and charged off. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information have a legal obligation to conduct a reasonable investigation of disputes and correct or delete inaccurate information. Additionally, under XXXX U.S.C. XXXX, creditors must block information resulting from identity theft when proper documentation is provided. Navy Federal Credit XXXX failure to properly investigate and remove this fraudulent account has caused significant harm to my credit profile. I am requesting that the CFPB require Navy Federal Credit Union to : XXXX. Conduct a proper investigation of this account as identity theft. XXXX. Immediately remove the fraudulent account and all associated derogatory reporting from my credit reports. XXXX. Confirm in writing that the account is not associated with me and that the balance is not my responsibility. XXXX. Correct any credit reporting associated with this fraudulent account. I am prepared to provide additional documentation, including the XXXX police report and identity theft documentation, if necessary to resolve this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had a garnishment in my XXXX account so I called them and asked what that meant. They told me they had a writ of garnishment and gave me the contact information. I then called the contact and they could not provide me with any more details. I asked for an email or letter from " said '' debt collecter. I gave them my email and address- no email or letter as of today XX/XX/XXXX. I called XXXX XXXX XXXX, XXXX as assignee of citi bank, who they said they bought that debt from. I have a current citi bank card that I currently pay on- and I only have XXXX active account with them. I do not believe this debt is mine. I paid any and all debts off in order to buy my home in XXXX. The amount they stole from me is different as well. {$1900.00} is what was wrongfully taken out my account and XXXX XXXX XXXX said I owed {$1900.00}. I have been yelled at, and laughed at for requesting more information. I do not have the funds for an attorney to fight this. This was my mortgage payment!!!! I have researched this company and they have been sued many times for fraudulant activities!

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: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am writing to file a complaint and request a replacement for an American Express gift card that appears to have been tampered with. I purchased A {$100.00} Amex gift card in good faith from XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/year> as a present for my client. When the client received the card, the numbers on the card had been wiped out/ scratched off and the card could not be used. Because of this, my client was unable to access the funds & return it back to me & that was an unpleasant experience. This situation is extremely concerning, as the card was purchased as a legitimate product and should have been delivered in usable condition. It appears that the card may have been compromised before or during distribution. I respectfully request that American Express investigate this matter and issue a replacement card for the full value. I have attached copy of the purchase receipt and gift card for {$100.00} plus the fees. Please advise on replacement & on the next steps to resolve this matter promptly. Thank you for your attention to this issue. I look forward to your prompt response. Sincerely, Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
When PHH Mortgage took over my Mortgage with the XXXX program in XX/XX/XXXX they had not honored the loan and started using the prior Loan information in full. during the Year to date I have had issues with submitting information on a new Mortgage Assistance Application. today XX/XX/XXXX I spoke with my relationship manager while going through the XXXX process I was informed that all documents were received and that I had sent nothing in as of the XXXX of XXXX due to a death in the family.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit XXXX brought debt from another source. Debt amount was XXXX. Every month Midland report {$9.00} increase to the credit company to drop my credit score. They have been using tactic to scare me into paying such as using my single mom status to scare me.

Company response to consumer: Closed with non-monetary relief