vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a laptop with a XXXX apr offer. I was making the minimum payments but Best Buy citi bank auto paid themselves for the full amount. I asked to have to reversed and they said they couldnt and to deal with my bank. My bank reimbursed me. Several days later Best Buy Citi Bank sent a refund. I called to let them know my bank sent it. I let my bank know too. The bank said they will take the duplicate payment back but they didnt. The next billing statement Beat Buy Citi Bank charged the account as a purchase for the reimbursement. No indication of what it was for along with interest ever since. Essentially they now charged twice for the same product but XXXX charge is accumulating interest. I did not authorize any additional charges. I am requesting to reverse the finance charges and send a separate bill for the reimbursement. They should not be allowed to charge the credit card and collect interest especially for their error. Each person I speak with on the phone is unhelpful.

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX Midland credit Management To whom it may concern I am writing to request validation of the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ). Please provide the following : XXXX. Proof that I owe the alleged debt XXXX. A copy o f the original signed agreement or application XXXX. A complete payment history showing how the balance was calculated XXXX. Proof that Midland Credit Management has the legal right t o collect this debt i n the state of Florida XXXX. Documentation showing the assignment or sale of the debt from the original creditor to Midland Credit Management. Until such validation i s provided, please cease all collection activity and communication regarding this account offered under federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
I am filing a complaint regarding a {$490.00} fee charged by Chrysler Capital after I returned my leased vehicle. At the time I returned the vehicle, all payments on the lease were current and the account was in good standing. I returned the vehicle approximately XXXX weeks before the lease maturity date and believed that returning it slightly early would not result in additional charges since my payment obligations had been met. After returning the vehicle, I was informed that I owe a {$490.00} fee. I have attempted several times to contact Chrysler Capital to speak with a supervisor to understand the basis for this charge and request a review. However, when representatives attempted to transfer me to a supervisor, my calls were disconnected and I was unable to speak with anyone with authority to review the fee. I am requesting that Chrysler Capital review and waive this {$490.00} charge as a goodwill adjustment since the lease was paid as agreed and the vehicle was returned responsibly. I would also like a clear explanation of the specific lease provision that justifies the fee in this situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 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: LA

Complaint narrative:
Validation of Debt Request - MIDLANDCRE - XXXX * * * * * * Validation of Debt Request - MIDLAND CRED - 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 ) 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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I have a PayPal account that was opened inXX/XX/XXXX with a bogus email address. I have been dealing with them for XXXX years about fraudulent activity. This activity has involved my own bank account and the PayPal account was linked to a XXXX XXXX account. They only want me to make a payment online. They will not give me access to the account that I have closed several times so that I could see charges made. I just learned today that in XX/XX/XXXX this account was opened with an email address that I have never heard of. I am doing my own investigation as they keep closing my case.

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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I received a bill for a credit card I never opened. I was hung up on repeatedly by concora credit customer service. When I finally got through they said they would file a report. It is still on my credit report. I never opened this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Allegedly Im being told I owe a debt and when I asked for information I was told my account was no longer at the store location. It was paid off and sold per a store clerk

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cascade Capital, LLC
State: TN

Complaint narrative:
I request this debt be removed from collection, any negative credit reported be deleted, CFPB record this as a violation of consumer protection laws including FDCP and FCRA because this debt is not legally adjustable. I was seen in the ER in XXXX, TN and as a Veteran of the USN with service connection I contacted the community care within the 72 hours and was given a claim for the provider to be paid. Both the hospital and medical providers were given the proper billing information for VA payment but failed to bill them, but sent the bills to me. The hospital services were contacted by myself and VA rep and that was resubmitted and paid. The providers refuse to submit claim to VA insurance for payment and continue to send me bills. Please see the attachments for all bill and collection information along with VA community care claim approval. Thank you. XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc.
State: NJ

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 2026-03-06 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: CA

Complaint narrative:
On XX/XX/XXXX a {$5800.00} payment was accidentally submitted in full to our Bank of America credit card and was withdrawn from our checking account with XXXX XXXX XXXX XXXX. We requested a return of {$5700.00}. On XX/XX/XXXX Bank of America added a payment adjustment of {$5700.00} to the balance of our XXXX XXXX credit card statement and sent us a letter saying the same amount was returned to us. Bank of America representatives assured us the {$5700.00} had been returned to our bank account through a third-party processor, Fiserve/CheckFree, and could take up to two months ' billing cycles to post to our checking account. Our bank has no record of receiving the funds either in XXXX, XXXX, XXXX or XXXX to the present day. We are requesting immediate investigation and return of the funds, including interest charged. Timeline of recent calls to Bank of America : XX/XX/XXXX : We spoke with XXXX in XXXX California who assured us the matter would be resolved. XX/XX/XXXX : XXXX, manager in California, said they emailed research department. No results. XX/XX/XXXX : XXXX, manager in XXXX, California, said, Once the check goes to the third party, its out of our hands. XXXX also said, We sent the check XXXX XXXX XXXX, XXXX. At our request, XXXX called the Escalation Group at XXXX who said the money was deposited into our bank after XXXX XXXX, XXXX, but refused to offer the exact date of the deposit or the tracer number. XXXX said this is our banks fault and we should dispute it with [ our ] financial institution. Again, our bank has no record of the {$5700.00} being returned. XX/XX/XXXX : XXXX, manager, said they requested the tracer number and date of transaction be mailed to us within 7-10 business days.

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 2026-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
TD Bank USA, N.A. c/o Target Enterprise XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX RE : Account Number : XXXX To Whom It XXXX Concern, I am in receipt of your money you collected ( without knowing ) on the above-mentioned account. This letter serves as formal notice that I dispute the validity of this alleged debt in its entirety. I am submitting this complaint regarding TD Bank USA/Target., and their collection of an alleged debt that I dispute. I was never properly served with notice of the lawsuit regarding this alleged debt. The documents were sent to an old address where I no longer resided, and I had no knowledge of the legal action being taken against me. I only became aware of this matter after my refund taxes were held and sent to you At this time, TD Bank/Target has already taken money from my wages based on a judgment that I did not have the opportunity to defend because I was never properly notified. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Fair Credit Reporting Act, I am requesting full validation of the alleged debt. Please provide competent evidence that I have a legal obligation to pay your company. Specifically, I request the following documentation : A copy of the original signed contract or agreement bearing my signature. The name and address of the original creditor. A complete payment history beginning with the original creditor. The date of first delinquency. Documentation proving your legal right to collect this debt, including the chain of assignment or bill of sale transferring the account to your company. The charge-off statement from the original creditor. Verification that the account is being reported in full compliance with Metro 2 reporting standards. Until such validation is provided, you must cease all collection activities and cease reporting this account to any consumer reporting agency. If this account continues to be reported without proper verification, such reporting may constitute violations of the Fair Credit Reporting Act for furnishing information that is inaccurate, incomplete, or can not be verified. If you can not provide the requested documentation, you must immediately delete this account from all credit reporting agencies and cease all collection efforts. Any further attempts to collect on this alleged debt without proper validation may also constitute violations of the FDCPA. I request that all future correspondence be in writing. Sincerely, XXXX XXXX Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, State, Zip : XXXX, Ohio XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
Was receiving numerous texts for an amount that should have been covered by my insurance. The insurance company called the vendor ( XXXX XXXX ) and they resubmitted everything but I have not received an updated bill and how I can pay or what was actually covered.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
While there was a pause on Student Loans payments during and after the COVID-19 pandemic those who continued making payments during this time were supposed to receive reimbursements for those payments. I continued to make payments to XXXX during this period and have received no reimbursement payments on these already fraudulent/predatory loans I signed to pay at XXXX XXXX XXXX. I am now XXXX and somehow still paying these fraudulent loans. I need my reimbursement payments immediately!!!!

Company response to consumer: Untimely response
Consumer complaint received 2026-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Validation of Debt Request - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 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: LA

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 2026-03-06 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: Experian Information Solutions Inc.
State: AR

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 explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I was the victim of an impersonation scam involving fraudulent misrepresentation on social media. I came across a post from an account claiming that tax refunds received through XXXX or Cash App could be doubled. The XXXX stated that no personal information or account credentials were required. Based on the content of the post and the responses I received, I believed I was communicating with a legitimate affiliate or representative connected to the account. After responding, I was contacted by an individual who falsely represented themselves as a manager/affiliate associated with the page. They asked to move the conversation to a XXXX call to explain the process. During the call, multiple individuals were present and provided step-by-step instructions directing me to send funds as part of what they claimed was a legitimate process that would double my tax refund and return the funds to me. Throughout the call, I was repeatedly reassured that the process was legitimate and that the funds would be returned once the steps were completed. I was also pressured to complete the transactions quickly because they claimed the process had a time limit. Based on these false representations and assurances, I followed their instructions and sent several transactions believing the funds would be returned to me. After the final transaction was completed, the call abruptly ended and I realized that I had been deceived through impersonation and fraudulent misrepresentation. The individuals involved never returned the funds as promised. I did not provide my login credentials, PIN, or account access to anyone. The transactions occurred because I was misled by individuals impersonating legitimate affiliates and directing me through a coordinated scam. I have screenshots, call logs, and transaction records that document the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-06 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am filing this complaint against Citibank regarding a disputed transaction with Home Depot in the amount of {$1600.00} for six ( 6 ) custom window blinds received on XX/XX/year>. Issue Summary : The merchandise received is non-conforming and fails to meet the contractual specifications. Pursuant to the Uniform Commercial Code ( UCC ), I have formally rejected the delivery due to the following material defects : Incorrect Specifications : Control arms were placed in the center ; the order explicitly required left-side placement. Missing Components : The order arrived with two fewer blades than specified per unit. Physical Damage : One head rail arrived damaged and is entirely unusable. Chronology of Failed Resolution : XX/XX/year> : Upon delivery, I contacted customer service. Representative " XXXX XXXX '' acknowledged the issues and issued a {$150.00} credit for the inconvenience. Subsequent Action : Citibank/Home Depot later reversed this {$150.00} credit without my authorization or a valid explanation. XX/XX/XXXX, XXXX, and XXXX, XXXX : I contacted " XXXX '' multiple times to request a full refund and schedule a freight pickup for the rejected goods. These requests have been ignored. The Dispute : Citibank has failed to provide a permanent credit despite the merchants failure to deliver the contracted goods or provide a means for return ( freight pickup ). The merchant is essentially holding my funds hostage for damaged, incorrect, and incomplete merchandise while refusing to retrieve the items.

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 2026-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I paid my credit card off but they will not release the funds to be used right away and I am out of the country on vacation and need the money

Company response to consumer: Closed with explanation