vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Through this CFPB complaint, I am exercising my rights under the FDCPA and the FCRA. I have attached my formal validation request letter directed to Midland Credit Management. This letter demands production of the original signed contract, proof of ownership or assignment, the purchase agreement, and a complete accounting of the balance. These are the documents necessary to validate any alleged debt under federal law. 
The CFPB platform provides accountability and assurance that my request is properly forwarded and that Midland Credit Management is required to respond. 
In addition, I request specific data to verify the accuracy and completeness of the account they reported to the Credit Bureaus under the FCRA : a. ) The Date of First Delinquency ; b. ) The date the account was charged off ; and c. ) The date the account was acquired by or assigned to Midland Credit Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THE LATE PAYMENTS BEING REPORTED ARE INACCURATE. I HAVE NEVER BEEN LATE ON THESE ACCOUNTS.

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 2026-01-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
Debt amount not stated. I requested that they cease attempts to contact. Dates of call : XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. Voice mail recordings : XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX And are repeated until recording time is maxed " Hello, we are calling for MediCredit on behalf of Emergency Medicine Services of TX . This is a communication from a debt collector. This is an attempt to collect the debt, and any information obtained will be used for that purpose. Please return our call at XXXX Monday through Friday during normal business hours. Thank you. Hello, we are calling from MediCredit on behalf of XXXX XXXX XXXX of TX. This is a communication from a debt collector. This is an attempt to collect the debt, and any information obtained will be used for that purpose. Please return our call at XXXX Monday through Friday during normal business hours. Thank you ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
MIDLANDCRE is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRE 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 2026-01-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
ProCollect , Inc. is reporting a rental collection account on my credit report for an alleged debt owed to XXXX XXXX  of XXXX XXXX XXXX. I timely disputed this debt in writing via certified mail, and ProCollect received my dispute. 
The amount being reported is inaccurate and has changed multiple times. The original creditor has removed charges, reduced the balance, and issued revised move-out statements, demonstrating that the original amount reported to credit bureaus was not accurate or fixed. 
Despite receiving written notice of dispute, ProCollect has continued to report this account to credit bureaus without providing verification or a complete itemized accounting that supports the accuracy of the balance being reported. 
Reporting a disputed and inconsistently calculated rental debt without proper verification is misleading and is causing ongoing credit harm. I am requesting that ProCollect either provide proper validation of the alleged debt, including an itemized accounting, or delete the tradeline from my credit reports if it can not be accurately verified.

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 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EZ Loans Co LLC
State: TX

Complaint narrative:
b"I have been getting phone calls from this numbeXX/XX/XXXX. I answered their call onXX/XX/XXXX. The first time they said I was being sued for not paying a loan through EZ loans from 10 years ago. I told them I have never taken a loan from this company. She then recited my last 4 and told me I will be sued if I did not pay now. I told her no I didn't take a loan she proceeded to argue with me then hung up. \nNext phone call i answered was XX/XX/XXXX This time it was a man. This time he said it was not a loan and it was through XX/XX/XXXXI told him I do not acknowledge this debt please send written validation by mail. He got really nasty with me and kept talking over me. He then recited my full SSN to me. I told him that was not my SSN. And Tried asking questions but he kept talking over me. Finally, he said to get a lawyer that the company would be sueing me. I tried looking up these companies but could not find any companies with those names. They did not give me any amounts and I blocked there number. I also pulled my credit report to check it and didn't see anything on it."

Company response to consumer: Untimely response
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am disputing this American Express account and requesting formal debt validation. I have not been provided documentation verifying the accuracy of the balance, proof that I am legally responsible for the debt, or a complete payment history. The account has been reported to credit bureaus without adequate verification, which I believe is inaccurate and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
This company was fined for this exact type of conduct in XXXX. They are misleading with their insurance products. Also this is not my signature on the contract. I was self-employed at the time which One Main sold me this contract knowing that. Please see a copy of the contract. It says explicitly and then became unemployed. Here is what the contract says exactly I will also attach the whole contract. Also that is not my signature and I do not remember ever reading contract as line 3 clearly states you can not be self-employed. I believed I was signing up for XXXX insurance. Here is a copy paste of the contract ( Again read line 3 ) : ELIGIBILITY STATEMENT 1. I AM CURRENTLY WORKING FOR SALARY OR WAGES AT LEAST THIRTY ( 30 ) HOURS PER WEEK. I HAVE BEEN EMPLOYED FOR AT LEAST THE LAST TWELVE ( 12 ) CONSECUTIVE MONTHS AS OF THE EFFECTIVE DATE OF THIS CERTIFICATE OF INSURANCE. AN EMPLOYMENT INTERRUPTION OF LESS THAN THIRTY ( 30 ) CONSECUTIVE DAYS DURING THIS TWELVE ( 12 ) MONTH PERIOD SHALL NOT EXCLUDE THE DEBTOR FROM ELIGIBILITY. ( A MEMBER OF THE TEACHING PROFESSION UNDER ANNUAL CONTRACT AT THE TIME OF SIGNING THE ELIGIBILITY STATEMENT FOR THIS INVOLUNTARY UNEMPLOYMENT CERTIFICATE OF INSURANCE, AND WHO HAS BEEN UNDER ANNUAL CONTRACT FOR AT LEAST THE LAST TWELVE ( 12 ) CONSECUTIVE MONTHS, SHALL BE DEEMED TO HAVE SATISFIED THESE TWO CONDITIONS. ) 2. I HAVE BEEN ACTIVELY EMPLOYED FOR THE NINETY ( 90 ) DAYS PRIOR TO THE EFFECTIVE DATE OF THIS CERTIFICATE OF INSURANCE. 
3. I am not self-employed, an XXXX  XXXX or a XXXX XXXX  of the employer or a dependent of such controlling stockholder. 
4. I request XXXX XXXX XXXX to issue the Involuntary Unemployment Insurance coverage as indicated above. 
5. I am not receiving, nor am I eligible to receive, XXXX benefits as of the Effective Date of this Certificate of Insurance. 
6. I authorize the Creditor to deduct the premium from the proceeds of my note.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
the first representative at sunrise credit said I could not dispute the debt and that I could pay or they would submit it to my credit report. The second representative was more reasonable. XXXX the original creditor has repeatedly said that I do not owe anything, in fact they ended up refunding me. I have included their final statement.

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 2026-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Yesterday I took a XXXX  loan check to BOA in XXXX, MD inside the branch and asked them if I deposited it would it be available today. They said yes. The check was drawn on BOA and was a XXXX XXXX check. I told them I would deposit it at XXXX XXXX XXXX if it would not be available today. They assured me it would be available after running it through. Just to verify that it would be, before I left the bank I opened the BOA mobile app and clicked the deposit and it confirmed that it was deposited on the XXXX but would be available on the XXXX. It said available to cover items on XX/XX/XXXX and availalbe next banking day XX/XX/XXXX. 

I woke up this morning to find out the funds were not in my account and looked, it's like XXXX. I looked in the app and there was the check, and now another hold item for the same amount dated today. I called bank of America and she just agreed with me that what they were doing was wrong, and that she could not tell me when the hold would be released. How can they show you on the deposit and tell you that it will be available the next day then put a random hold on the check and then not be able to explain it? I am furious. I want my money. BOA is awful.

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 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am filing a formal complaint regarding an improper XXXX XXXX XXXX ( XXXX  ) transaction reversal and subsequent cash billing related to a fully cancellable American Express Travel reservation. 

In XX/XX/XXXX, I booked a three-night hotel stay in XXXX through American Express Travel using XXXX XXXX  XXXX XXXX XXXX. The reservation was explicitly confirmed as 100 % cancellable up to 48 hours prior to travel ( XXXX XXXX XXXX, XXXX  ). 

At the time of booking : Approximately XXXX Membership Rewards points were temporarily deducted No cash payment was made No points redemption was finalized Over the following months, my American Express statements reflect multiple contradictory postings, including reversals and reapplications of XXXX XXXX XXXX  credits, temporary negative point balances, fluctuating credit balances, and ultimately a new cash charge of {$1200.00} posted on XX/XX/XXXX, labeled Amex XXXX XXXX with XXXX XXXX. 

After reviewinXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeservation while it was still fully refundable. I then learnedafter the factthat American Express was valuing XXXX Membership Rewards points at {$1200.00} and expected an additional $ XXXX in cash to complete the stay. This was never disclosed at the time of booking. 

American Express is now billing me {$1200.00} under the justification that my points were refunded and therefore their cash value is owed. This is incorrect. No points redemption was completed, no travel occurred, and no cash was ever tendered. A fully canceled XXXX XXXX XXXX reservation can not be retroactively converted into a cash obligation. 

For comparison, I booked the identical hotel stay directly with the hotel for {$1100.00} total, and XXXX XXXX XXXX covered the entire stay using XXXX points with no cash required. 

I am requesting : Immediate removal of the {$1200.00} charge Full restoration of all Membership Rewards points associated with this booking Written confirmation that no future cash billing or point clawback will occur I have been unable to resolve this through repeated phone calls, and no supervisor or case number has been provided. I am requesting CFPB assistance to require American Express to properly reconcile this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I was on a XXXX prearranged payment plan with XXXX XXXX XXXX XXXX XX/XX/XXXX and would end XX/XX/XXXX. My mortgage was sold to Rocket Mortgage on XX/XX/XXXX. Both mortgage companies stated that the plan will be honored and to start making payments to Rocket Mortgage. I was able to make the XXXX payment as scheduled, but when I went to make the XXXX payment, the payment arrangement had disappeared, and I was told that my home is in the foreclosure process unless I paid the remaining balance of my payment arrangement. Then I was told that I can pay half of that amount by XX/XX/XXXX in order to avoid foreclosure. I've made several attempts to file a complaint to have my payment plan reinstated. Also, I'm a XXXXXXXX XXXX XXXXXXXX  Veteran since XXXX and don't have to pay property taxes. This information was not given to Rocket Mortgage, and taxes are currently being escrowed by Rocket Mortgage which is also making the remaining balance amount more than what it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FISERV FINXACT CORE
State: WV

Complaint narrative:
In XX/XX/XXXX, I returned leased equipment to FDMS / First Data in accordance with the instructions provided by their representative. I have written confirmation from a First Data representative acknowledging that the equipment was returned, and I provided the tracking number associated with that return.

Despite this documentation, FDMS has continued to charge my account approximately {$31.00} per month for over XXXX years for equipment that I no longer possess or use. These charges total thousands of dollars. 
I have repeatedly provided proof of return and communicated with FDMS to resolve this issue. Each time, FDMS has demanded a shipping receipt that is no longer reasonably available, while failing to recognize the return, update the lease, or issue a refund.

FDMSs continued billing constitutes unauthorized, improper, and potentially unlawful charges. 
I am requesting that FDMS : Immediately recognize the equipment return as of XX/XX/XXXX Immediately cease all lease billing Issue a full refund of all amounts withdrawn from XX/XX/XXXX through XX/XX/XXXX This complaint is being filed after repeated attempts to resolve the issue directly with FDMS, including providing all documentation in my possession.

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 2026-01-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a dispute of the reported late payments and delinquent status that are incorrectly listed on my credit report. Such notations are inaccurate and must be removed, and the account status should be updated to Paid as Agreed.

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 2026-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
I paid off my car in XX/XX/2025, & they kept their name on the car & took my name off. They keep saying that the car is in my name but its in theres. I cant get registration for the car and got pulled over and the police took the car basically like its a stolen car. I cant get the car back because its in XXXX XXXX name and I dont have registration

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase does not provide a reliable or configurable standard two-factor authentication ( 2FA ) option for my account. 

There is no way to configure a standard 2FA method such as automated SMS, automated voice call, a passkey, or a time-based one-time password ( for example, a rotating 6-digit code ). Instead, Chase repeatedly attempts to use mobile-app push authentication. 

This does not work. The mobile-app authentication request never surfaces when required, and no amount of unlocking the phone, changing notification settings, or adjusting device options resolves the issue. The behavior is consistent and repeatable. 

I use XXXX XXXX XXXX on my devices for security. XXXX XXXX intentionally restricts background services and push-based authentication flows. As a result, Chases required push-based authentication is unlikely to function at all in this environment and is not a viable long-term authentication method. 

Additionally, the authentication method Chase requires conflicts with secure-by-default settings on my devices. The requested behavior is blocked by default for security reasons, and even if it could be made to work temporarily, it would require weakening device security in a way that is not acceptable long-term. 

At this point, logging in to my account on a computer through the Chase website requires calling Chase and obtaining a temporary XXXX access code through a manual support process. This routinely takes XXXX minutes or more, requires waiting on hold and transfers, and makes the account difficult to manageespecially during the off-hours I often work. 

If I am logged out for any reason during this process, I am required to start the entire process over again, including another call to Chase for a new access code. 

As a result, I experience repeated delays in being able to log in, initiate payments, and track account activity, which interferes with normal account management. 

Chase support advised that this issue was fixed, but the problem continues on every login. There is also no visible way to remove mobile-app authentication or select an alternative automated standard 2FA method.

This results in unreliable account access and forces the use of an authentication method that does not function, conflicts with reasonable security practices, and has no supported automated alternative. I am requesting that Chase remove mobile-app authentication from my profile and provide a working automated standard 2FA option such as SMS, automated voice call, passkey, or a time-based one-time password.

Company response to consumer: Closed with explanation