vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Central Portfolio Control Inc.
State: PA

Complaint narrative:
I just received a letter on the mail and it was a surprise to me and I have no clue because I'm at a new address I don't even know how they got my new address because of the letter it originally have the old address and nobody has my new address so I don't know but at the same time I've been dealing with a lot of identity theft I am a targeted individual and I have been being gang stalked And it keeps affecting my credit score just like the rest I'm having issues with multiple things because of the identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Subject : Complaint Regarding Improper Billing and Harassment for XXXX XXXX in School Deferment I am filing this complaint against XXXX XXXX / University Accounting Service , LLC regarding the improper billing and collection activity on my XXXX XXXX XXXX. I have been continuously enrolled in school since XXXX. According to the Federal Student Aid ( FAFSA ) system, my XXXX loan is currently in in-school deferment, meaning payments are not required at this time. Despite this, XXXX XXXX continues to send monthly statements requesting payment and has contacted me repeatedly regarding a balance that is not due. I have notified them multiple times that the loan is in deferment and provided documentation from the FAFSA website verifying my enrollment and deferment status. On XX/XX/XXXX, I received another billing statement showing a payment due of {$40.00}, even though the loan should not be in repayment status. The statement also shows interest accrual activity, which raises additional concerns because the loan should be properly coded under deferment. This continued billing and collection activity is causing unnecessary stress and appears to be improper servicing of a federally backed student loan. I am also concerned that these actions could negatively affect my credit report if the servicer incorrectly reports delinquency. I am requesting the following relief : Immediate correction of my loan status to reflect in-school deferment. Immediate cessation of billing statements and collection calls while the loan is in deferment. Written confirmation that no negative credit reporting has occurred and assurance that my credit will not be impacted. Correction or reversal of any interest or charges that may have been improperly applied during the deferment period. Confirmation that my loan account has been properly updated in their servicing system. I have documentation from the Federal Student Aid system verifying my enrollment and deferment eligibility and can provide it upon request. I am requesting that the CFPB investigate this matter and require the servicer to correct my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Williams, Rush & Associates, LLC
State: PA

Complaint narrative:
I am filing a complaint regarding debt collection practices by Williams Rush & Associates in connection with an alleged collection account reported on my credit report. On XX/XX/XXXX, I received a notification on my Experian account that stated " WILLIAMS RUSH & ASSOCI has flagged your account as Collections on XX/XX/XXXX. '' On XX/XX/XXXX, I sent certified mail with a dispute to the Experian, and Williams Rush & Associates collection agency requesting documentation and verification of the debt, including the name and address of the original creditor, the amount of alleged debt including an itemized accounting, documentation bearing my signature or other proof that I agreed to this debt, and proof that Williams Rush & Associates has the legal authority to collect and report this account. Certified mail tracking confirms delivery on XX/XX/XXXX. The Experian dispute results came back as " Verified and Updated ''. To date, I have received no documentation, verification, or response from Williams Rush & Associates collection agency. Despite the absence of verification, the account remains reported as a collection and continues to negatively impact my credit. The XXXX failure to provide verification raises concerns about compliance with consumer protection and credit reporting laws. In XX/XX/XXXX, a separate debt collector, XXXX, reported a debt for a lesser amount of {$1300.00}, on my credit report with the same original creditor. I disputed it via certified mail and it was deleted. In XXXX of XXXX, William Rush & Associates reported on my credit report for {$1700.00} with the same original creditor. Given the prior deletion of a related collection account after dispute and the subsequent reporting of this account, I have concerns regarding the accuracy and verification of the information and amount being reported and the collectors compliance with consumer protection and credit reporting obligations.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: GOLDMAN SACHS BANK USA
State: TN

Complaint narrative:
On XX/XX/year>, I opened a Marcus High Yield Savings Account with the intention to receive .25 % additional APY as well as a {$1500.00} cash offer. However, Today, I found out that I have been misled by Marcus, and they refused to honor the agreement. Marcus was misled by fraudulent advertising that claimed a {$1500.00} cash bonus if new funds are added within 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am filing this complaint regarding how Citi handled a credit card dispute for a purchase in which I never received the merchandise. On XX/XX/year>, I purchased a dining table from XXXX XXXX for {$1600.00} using my Citi credit card. Shortly after placing the order, I canceled it. Despite the cancellation, the company refused to honor it. I ultimately never received the dining table, and the company subsequently filed for bankruptcy, leaving me without the furniture I paid for. Because I did not receive the goods, I filed a dispute with Citi. During the dispute process, Citi initially issued a conditional credit while they reviewed the case. However, I later learned that Citi had sent the payment to XXXX XXXX in error even though the order had been canceled and no merchandise was delivered. Approximately XXXX weeks after providing the conditional credit, Citi completed their review and determined that I am responsible for the charge. I do not understand this decision because no goods or services were ever received. I am requesting that Citi properly investigate this matter and permanently remove the {$1600.00} charge from my account, since the transaction did not result in the delivery of any merchandise and the order had been canceled.

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 2026-03-16 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: Army and Air Force Exchange Service
State: NC

Complaint narrative:
I did not apply for this credit card, and I did not authorize it to be opened in my name. This is the second time a credit card has been opened using my information without my knowledge. I believe I am a victim of identity theft, and I am requesting that this occurrence be investigated, closed, and removed from my credit report. The bank listed is Military StarXXXX and the amount currently showing is {$1300.00}. The person who opened this account appears to have access to my personal information, including my home address, social security number, and email address connected to my account. Most of the transactions on this account appear to have been made in base at XXXX XXXX in XXXX, NC.

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 2026-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Nationwide Capital Services, LLC
State: MO

Complaint narrative:
I dont know who this company is. This debt is not mine.

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 2026-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am filing this complaint against Truist Bank for repeated, bad-faith administrative barriers that have directly caused my mortgage ( Loan # XXXX ) to fall into foreclosure. Since XX/XX/year>, I have attempted to authorize my XXXX as a third party to manage and make payments on the account while I was out of state attending school to secure new employment. Despite submitting Truists own authorization forms three separate times, the bank has issued a series of inconsistent rejections : XX/XX/XXXX : Rejected for a 'city mismatch ' ( Listing our legal city, XXXX XXXX instead of XXXX XXXX. We are in XXXX and it is our mailing address with Truist. XX/XX/XXXX & XX/XX/XXXX : Rejected twice for 'signature mismatch. ' The direct harm caused : My husband had the funds and the intent to make payments starting in XXXX. XXXX refusal to accept his authorizationdespite my explicit written requestseffectively prevented us from curing the delinquency during a critical transition period. This administrative gatekeeping has directly resulted in an {$18000.00} arrearage and a foreclosure auction date of XX/XX/year>. We are now submitting a complete Loss Mitigation application on XX/XX/year>. Under 12 CFR 1024.41, Truist must cease foreclosure activity once a complete application is received. However, Truists ongoing refusal to approve my XXXX authorization is preventing us from confirming receipt, receiving a Single Point of Contact ( SPOC ), or stopping the sale. Furthermore, Truist failed to provide proper statutory notice of the foreclosure sale. While a notice was recently received via regular mail, it was not sent via certified or registered mail as required by Tenn. Code 35-5-101. This lack of proper notice, combined with their refusal to authorize my husband to make payments while I was out of state for training and testing, has deprived us of our right to cure the default.

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 2026-03-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
negotiations, not a duplicate settlement offer as company declined due to disputes and that is not a valid reason per the fcra there is not anything against a consumer to dispute errors to credit report and then requesting a good faith payment. the company did not verify debit accurately and continues to send the same information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Dear CFPB Agent, This email below was my last attempt to resolve my issue with Capital One. I have tried to solve this with Capital One team and Capital One XXXX XXXX and not able to resolve the issue. I sent this following email to Capital One CEO on XX/XX/year>2026 and hear no answer. Dear XXXX XXXX, I am writing to bring to your attention a serious failure in Capital One XXXX operations that has resulted in the unauthorized withholding of {$300.00} from my account. Summary of Events : Around XX/XX/XXXX : Following a Capital One XXXX agents direct instructions, I booked a hotel stay through your portal to facilitate a Price Match against an XXXX rate. The Denied Match : After booking, the agent refused the match, claiming the price gap was " too far. ", certain items are not matchable and require further review. Immediate Cancellation : I canceled the reservation within minutes of the booking because I don't want complications and dragged out discussion for a few dollars of savings. The Discrepancy : Capital One XXXX failed to issue a full refund, keeping {$300.00} of my funds despite the immediate cancellation ( within minutes of booking ) Failed Resolution and Policy Concerns : I have attempted to resolve this through the Venture X dispute team and Capital One XXXX. A few days ago, I called again and was offered a {$100.00} " credit '' in lieu of my refund. I find it unacceptable that Capital One would attempt to negotiate a partial settlement for funds that were never earned. Notice of Potential Fraudulent Activity : Because I followed your agent 's specific instructions to book before matching, only to have the refund withheld upon an immediate cancellation, this appears to be a systemic " bait-and-switch '' or a deceptive billing practice. If this matter is not resolved with a full refund of {$300.00} to my XXXX XXXX card within 5 business days, I will be forced to view this as a fraudulent conversion of funds. I will proceed with formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to investigate Capital One Travels method of operations. I value my relationship with Capital One, but I can not overlook the misappropriation of my funds. I look forward to a swift resolution. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Formal Complaint - Unauthorized Debit Card Transactions Not Reimbursed Date : XX/XX/year> To Whom It May Concern, am filing a formal complaint regarding unauthorized debit card transactions on my Chase account th ave not been reimbursed despite being reported promptly On XX/XX/year>, XXXX unauthorized transactions were processed using my debit card ending in XXXX through Apple Pay. The transactions were as follows : Date XX/XX/year> XX/XX/year> XX/XX/year> XXXX {$300.00} {$300.00} {$400.00} Total unauthorized amount : {$1000.00}. immediately contacted Chase Bank as soon as I discovered these transactions. Chase canceled m lebit card and issued a replacement card, confirming that the transactions were conducted throug Apple Pay. However, despite reporting the fraud promptly, the {$1000.00} has not been credited back to my account. Under the Electronic Fund Transfer Act ( Regulation E ), consumers are protected against unauthorized electronic transactions when reported in a timely manner. Since I reported this fraud immediately, I respectfully request that Chase reopen the investigation and issue a provisional credit for the unauthorized amount while the investigation is completed. I affirm that I did not authorize these transactions and did not grant anyone permission to use my debit card or add it to any Apple Pay wallet. i this matter can not be resolved promptly, I will pursue further action through the Consumer Financia rotection Bureau and other regulatory authorities Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 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: GA

Complaint narrative:
On XX/XX/year>, I sent Midland Credit Management ( MCM ) a written debt validation request via XXXX XXXX Mail regarding MCM Account # XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX, Original Account : XXXX, Balance : {$1200.00} ). MCM received and signed for my letter on XX/XX/year>, as confirmed by XXXX Return Receipt PS Form XXXX. Under FDCPA 1692g ( b ), MCM was required from XX/XX/year> forward to cease all collection activity and credit reporting until providing adequate debt validation. MCM has never responded to my validation request not in 48 days. Despite this, MCM has committed the following documented violations : 1. MCM updated my XXXX credit report on XX/XX/year> 34 days after receiving my validation request without having provided any validation. ( Evidence : my 3-bureau credit report XXXX XX/XX/year>. ) XXXX. MCM updated my XXXX credit report on XX/XX/year> 45 days after receiving my validation request again without validation. ( Evidence : same credit report. ) 3. MCM 's tradelines on XXXX and XXXX do not contain a 'consumer disputes ' notation, despite MCM knowing since XX/XX/year> that this account is disputed a violation of FDCPA 1692e ( 8 ). 4. MCM sent a second collection letter on XX/XX/year>, after my validation request was already in transit. I have sent MCM a formal demand letter by Certified Mail today ( XX/XX/year> ) demanding deletion of the tradeline within 15 days. I have also disputed directly with XXXX and XXXX. I am filing this CFPB complaint to create a regulatory record of these violations and to request that the CFPB require MCM to delete this tradeline from all three credit bureaus and cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
I am filing a complaint regarding an attempt to collect a disputed medical debt related to emergency ambulance services provided by XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). This bill is currently under dispute because the charges appear to exceed regulated emergency service rates and constitute predatory balance billing. The provider has attempted to shift the unpaid balance to me despite federal consumer protections governing emergency medical billing. The ambulance company has acknowledged that they are billing me directly due to the provider being out-of-network and my insurance plan being self-fundedXXXX. However, this position ignores federal protections under the No Surprises Act and other consumer protections related to emergency services. Despite the bill being actively disputed with both the provider and insurance carrier, the account has now been sent to collections. Attempting to collect on a disputed and potentially unlawful medical debt raises serious concerns under the Fair Debt Collection Practices Act. I am requesting that the collection agency cease collection activity until the debt is fully validated and the legality of the underlying charge is reviewed. I am also requesting investigation into whether the collection activity violates federal consumer protection laws governing disputed medical debt. This matter has also been escalated to regulatory authorities due to concerns regarding illegal and predatory emergency billing practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I would like the deleted off my credit file immediately. FCRA623 ( a ) 1 ( A ) UCC 9-611 UCC 9-613 please delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days.f know know knowledge of this activity on my credit report. FCRA Section 611 Part ( A ) ( 1 ) Credit bureaus have fail to respond to your written disputes within 30 days a 15 day extension may be granted if they receive information from the creditor within the first 30 days ) I asked if they could provide the purchase agreement. I asked to presented the bill of sales. I shared the bill of sell is just a document that with details of Affirm loans can buy debt from. The purchase agreement being requested in reference the debt in which Affirm. FCRA SECTION 623 Creditors, if you dispute a debt, and they fail to report it as disputed to the CRA 'S $ XXXX - Violation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am formally disputing this account that is being reported on my credit report. I previously requested full validation of this alleged debt, including the original signed contract, complete payment history, and proof that the company has the legal authority to collect and report this account to the credit bureaus. The company failed to provide proper documentation and continues reporting this account as accurate. This is a serious violation because unverified or inaccurate information should not be reported on a consumer credit report. I have already disputed this account with the credit reporting agencies, yet the company continues to report it without providing the required documentation to verify the debt. I am requesting a full investigation into this matter and immediate correction or deletion of this account from my credit report if the company can not properly verify the debt with legitimate documentation.

Company response to consumer: Closed with non-monetary relief