vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
On XX/XX/year> I was the victim of spoofing scam in which a scammer spoofed my sisters phone number, making it appear as if they were calling from her phone and claimed to have a XXXX pointed at my sisters and were going to XXXX her if I didn't send {$4000.00} immediately. I, unaware of this type of scam, immediately transferred the money through XXXX XXXX from my Bank of America checking account. After the phone call I immediately got in touch with my sister and the XXXX ( she lives in XXXX XXXX XXXX ) and was made aware I was the victim of a scam. Within minutes, I filed a dispute on the transaction through the Bank of America website as well as over the phone with the Bank of America customer service department that handles fraudulent transactions. I submitted a complaint through the Consumer Finical Protection Bureau, the FBI and my local police department. On XX/XX/XXXX, Bank of America issued me a temporary credit of the {$4000.00} while they investigated the claim. And on XX/XX/XXXX, Bank of America sent me a letter stating they determined since I authorized the transaction ( which had I been aware this was a scam, I never would have ), they were going to remove the temporary credit. Bank of America did not do a sufficient job in responding to my request to both dispute the transaction in a timely manner and recover the funds after they were made aware of the scam. On XX/XX/XXXX after a phone call with a representative, it was made aware to me that the denial letter was given because the initial claim was filed as fraud when it should have been filed as a scam. This was not made aware to me until I reached out for clarification.

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 2026-02-25 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: DISCOVER BANK
State: FL

Complaint narrative:
I paid {$3300.00} for a scheduled trip by XXXX XXXX XXXX. One week prior to departure the owner of XXXX XXXX XXXX notified me in writing that he could not fulfill the trip and was declaring bankruptcy, The trip was cancelled by the merchant - not by me- No services were provided and no refund was issued. I wrote to Discover that under the Fair Credit Billing Act, cardholders have the right to dispute charges for services not rendered. No goods or services were provided for the {$3300.00} charges. XX/XX/year> {$1500.00} Dispute # XXXX XX/XX/year> {$450.00} Dispute # XXXX XX/XX/year> {$700.00} Dispute # XXXX XX/XX/year> {$700.00} Dispute # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTIONS USA, INC.
State: AZ

Complaint narrative:
I am disputing a rental debt of approximately {$8000.00} being collected and reported by Collections USA Incorporated on behalf of XXXXXXXX XXXX XXXX in XXXX. My lease began on XX/XX/year>. Within two days of move-in, I discovered active insect presence and significant cleanliness and condition issues inside the unit. On XX/XX/year>, I documented multiple insects inside the apartment ( photos available with timestamps ). I also documented bugs and condition concerns at move-in. Due to these conditions at the commencement of tenancy, the unit was not delivered in habitable condition. I vacated the apartment on XX/XX/year>, approximately XXXX days after move-in, and secured new housing beginning XX/XX/year>. Despite vacating immediately due to habitability concerns, the landlord charged accelerated future rent and referred approximately {$8000.00} to collections. I formally requested validation of this debt. The company provided only a lease and a ledger and did not address the habitability issue or provide documentation establishing that this amount is legally owed despite the condition of the unit at move-in. This account continues to be reported to the credit bureaus despite my dispute. I dispute the accuracy and validity of this debt. Because the unit was not delivered in habitable condition at the start of the tenancy, I do not believe this debt is legally owed. I request deletion of this tradeline from my credit report and cessation of collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-02-25 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Im filing this complaint because Im having an issue with Midland Credit Management ( MCM ) regarding an account that I already paid in full. Ive been working hard on cleaning up my credit and paying off old collections, and even though I pay them, some companies keep reporting them anyway. This time, I have a clear deletion letter from MCM, so I dont understand why this account is still showing on my credit reports. I paid the XXXX XXXX account that MCM was collecting on, and they sent me a letter confirming that the account was satisfied and that I have no further obligations. The letter clearly states that I paid a total of {$570.00} and that the account was satisfied on XX/XX/year>. They also said in writing that the letter would serve as confirmation and that the account should be considered resolved. I attached the letter to this complaint so you can see exactly what they sent me. Even with this letter, they are still reporting the collection on my credit report. This is extremely frustrating because Im doing everything Im supposed to do paying off the balances, communicating with the collectors, and keeping records but the credit reporting isnt being updated the way it should be. This hurts my credit and makes it harder for me to move forward financially. Im submitting this complaint because I dont know what else to do at this point. I just want the deletion completed the way they promised. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to Nationwide Capital Services , LLC under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to Nationwide Capital Services , LLC, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

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 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Ive requested the chain of debt and copy of 1099 that was due to me when the debt was written off. The company only sent me a statement with my name on it claiming that was enough for debt validation however that is false. This debt was written off by original creditor but no 1099 was sent to me to validate the write off and the debt is still reporting as active with all 3 credit bureaus. Im requesting for this debt to be deleted from my credit report or i will be proceeding with court filing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
In the XXXX of XXXX there was a fraudulent charge of {$100.00} on my Barclays Mastercard. I reported the fraudulent charge and asked for that card to be cancelled and they could mail me a new one. Instead of receiving the new card, I got an email that said my " new '' card had been activated. I called Barclays and they admitted they had sent my " new '' card to the fraudster. They admitted that the fraudster had opened an online account and added their name, mailing address and email to my account. Note that I do NOT have online accounts with any of my credit cards. There were more issues and I finally had to shut down that latest card and I closed my account with them and I asked that they send me a statement showing my account should be at a XXXX balance. Instead, they never sent me any more statements in the mail like they had been for more than the last 20 years like I had been getting them. Also, they had not removed the {$100.00} from that card and they started racking up {$40.00} per month in late charges and they sent me to a debt collection company. On XX/XX/XXXX I had phone call conversations with both Barclays and the debt collection company ( XXXX XXXX XXXX ) and I was told they would make this an internal situation. I got a letter from XXXX yesterday that stated Barclays would reduce their claim of {$400.00} down to {$260.00}. At this point, I have to send XXXX a check for {$260.00} as I have no other recourse to continue to fight them. Even though Barclays had all the information to locate the fraudster and they were supposed to turn the fraudster 's information over to authorities and clear my account, they continued to harass me this past year and then send my account to debt collections.

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 2026-02-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This matter involves XXXX XXXX XXXX XXXX XXXX ) benefits issued during the COVID-19 pandemic. My XXXX Bank of America prepaid debit card was stolen from my mailbox in or around XX/XX/year> before I received it. I have an FTC Identity Theft Report ( # XXXX ), a XXXXXXXX XXXX XXXX report ( # XXXX ), and XXXX documentation confirming mail theft. Bank of America split my XXXX benefits into five claim numbers. One was approved and paid in approximately {$16000.00} ( exact amount not presently recalled ), while four related claim numbers were denied. The four denied claims total {$27000.00}. The total benefits involved across all five claims is approximately {$43000.00} {$44000.00}. I did not activate the card, set a PIN, create credentials, or verify funds. I disputed the transactions multiple times and submitted supporting documentation. Despite receiving new evidence, Bank of America issued identical denial letters without addressing the documentation. I request reimbursement of the denied amount and a proper reinvestigation under Regulation E.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This letter is a formal request for an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. I have reviewed my credit report and identified numerous entries that are inaccurate, incomplete, or unverifiable, which constitutes violations under FCRA Sections 602, 607 ( b ), 609 ( a ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ). Below are the disputed accounts with supporting legal reasons for each. I request immediate deletion or full investigation based on the data furnishers inability to maintain factual accuracy. LVNVFUNDINGLLCORIGINALCREDITOR XXXX. XXXXOpenedXXXX XXXXXXXX XXXX Balance : {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Acorns Grow Incorporated
State: CA

Complaint narrative:
In XX/XX/year>, approximately {$5000.00} was withdrawn from my account at around XXXX and transferred to a bank account that does not belong to me. I reported this unauthorized electronic fund transfer within two days and filed a police report documenting the fraud. The company refused to provide any explanation, denied reimbursement, closed my account, and blocked my access despite my timely report and documentation. I am requesting a full investigation, proof of authorization for the transfer, and recovery of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to Jefferson Capital Systems under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to Jefferson Capital Systems, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: GA

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 non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2300.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$2300.00}

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NV

Complaint narrative:
HARRIS is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS 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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: GA

Complaint narrative:
I have been repeatedly sending an email to them everyday for past XXXX days. XXXX days back I received a notification that transfer completed. The transfer was initiated on XXXX for # XXXX at a assured transfer rate of XXXX XXXX with a fee of XXXX XXXXXXXXSo it was already delayed. But the amount never got credited to the beneficiary. The had debited my XXXX XXXX Account immediately on the same day I initiated the transfer.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: PA

Complaint narrative:
Cash App closed my account and confirmed in writing that I may withdraw my remaining balance of {$330.00}. However, when I attempt to withdraw the funds, the transfer fails. I have contacted support multiple times and only received automated instructions that do not resolve the issue. I am requesting the immediate release of my {$300.00} balance via bank transfer or mailed check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: Selene Holdings LLC
State: GA

Complaint narrative:
The loss mitigation department of my mortgage company told me on the phone that my mortgage was sent for foreclosure proceedings to the attorneys ' office. My house has been for sale, and I received and accepted a pre-qualified offer that will more than satisfy the total that I owe the Mortgage Company, and attorneys ' fees. I owe about {$250000.00} and the offer I accepted is for {$540000.00} ( -closing costs and commissions ). The mortgage company provided me with the name of the firm and their phone number at the end of XXXX. There is no email address and very limited contact information for their legal firm online. I have left messages to the number provided on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. I need to be able to get them the listing and accepted offer before they advertise the property for sale. The closing has been scheduled for XX/XX/XXXX, less than 30-days from now. If I can't get them to respond before my house is listed, I will have to start the XXXX XXXX process. I suspect that the reason I am not getting a response is that the house is worth about {$560000.00}, and I only owe less than half, so they stand to profit a bit by taking possession of the house. I want to pay off my full mortgage obligation to the mortgage company with the sale of the house. Please help me get in contact with whom I need to!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: NC

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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