vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: KS

Complaint narrative:
I set up a payment to Nordstrom for {$500.00} for XX/XX/XXXX. They took this payment out of my account. Then on XX/XX/XXXX they took out another {$500.00}. I called Nordstrom card and they say they show no record of the XXXX {$500.00} payment so they will not reimburse me. I have both {$500.00} payments shown on my bank account and both {$500.00} payments debited my account. Nordstrom wouldn't even let me get them the proof!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: OR

Complaint narrative:
I am disputing a collection account from your agency that has appeared on my credit report without any prior notification or communication from your organization. This is the first time I have become aware of this alleged debt, and I have substantial questions regarding its validity and whether it actually belongs to me. Under the Fair Debt Collection Practices Act, I am entitled to receive complete verification of any debt you are attempting to collect. I am therefore exercising my legal right to demand full validation of this account, including documentation of the original creditor, the amount claimed, and proof of my legal responsibility for this debt. Until you provide proper validation, all collection activities and credit reporting related to this account must cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX I was self auditing my finances which included looking over my transaction history on my XXXX checking account because something didn't seem right with my finances, and discovered multiple transactions from XX/XX/XXXX to XX/XX/XXXX on Chime using my XXXX debit card totaling {$1800.00}. I do not own a Chime account, there should not be any transactions on my XXXX debit card from Chime. Chime is allowing someone who does not share the same name as me, to use my XXXX debit card on their Chime account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
XXXX XXXX is withholding {$2700.00} in overpayments made on a terminated lease ( Acct # XXXX ). They have admitted only part of the error but sent the refund in an unsecure format ( prepaid cards ) to an old address. They also refuse to account for the XXXX and XXXX missing payment of {$380.00}. We had a XXXX month lease starting on XX/XX/XXXX. The last payment was due on XX/XX/XXXX. Our banks autopay made XXXX successful payments in XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX of XXXX. Furthermore, they are reporting false information to my credit bureaus, showing a remaining balance and {$350.00} due monthly on a vehicle that was returned over a year ago. My formal request for a correction and a refund check was ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: VA

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 XXXX 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 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 2026-02-24 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: NJ

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/year>, I discovered unauthorized online debit card transactions on my checking account after receiving an email from XXXX confirming an order I did not place. Immediately after receiving that email, I reviewed my account and identified multiple unauthorized online transactions. I contacted my bank the same day ( XX/XX/year> ) to report the fraud and file a claim. A police report was also filed regarding these fraudulent transactions with XXXX XXXX with XXXX XXXX police department, report # XXXX All disputed transactions were conducted online. There was no chip use and no PIN use associated with these transactions. The bank issued provisional credit during its investigation. However, the bank later reversed the provisional credit and determined that the transactions were authorized. I received written notices stating that I received services and/or merchandise from the merchant. However, the bank has not provided documentation such as delivery confirmation, IP address verification, merchant records, or other evidence to support this conclusion, despite my request. Additionally, the bank referenced overlapping transactions and appears to have used the same transaction as supporting proof for denying multiple parts of my claim. This raises concerns about whether a reasonable and thorough investigation was conducted. I did not authorize these transactions, did not provide my debit card information to anyone, and did not receive or benefit from any merchandise or services related to these charges. I am requesting : Reimbursement of the unauthorized transactions Documentation supporting the banks determination Confirmation that the investigation complied with Regulation E under the Electronic Fund Transfer Act For the Following Charges : XXXX {$3500.00} XXXX XXXX {$820.00} XXXX XXXX {$1200.00} XXXX XXXX {$380.00} XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXXXXXX XXXX {$250.00} XXXX XXXX XXXXXXXX XXXX {$210.00} XXXX XXXX XXXXXXXX XXXX {$180.00} XXXX XXXX XXXXXXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXXXXXX XXXX {$2200.00} XXXX XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX {$420.00} XXXX XXXX {$170.00} XXXX XXXX {$35.00} XXXX XXXX {$260.00} XXXX XXXX {$40.00} XXXX

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 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates continues to place repeated unsolicited calls to my phone number. I have not engaged with them and do not understand the reason for their contact. I am requested that they stop calling my number and remove it from their system immediately. I do not consent to further communication.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
Company hasn't shown signed purchase agreement or any documentation proving this company is legally authorized to collect debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC
State: NC

Complaint narrative:
XXXX XXXX XXXX, has been contacting my employer, my ex husband, family members multiple times a week after they were verbally asked do cease communications with them. I have also sent a cease and desist letter by certified mail. They have been asked to provide proof of debt with original contract which they have failed to comply with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I entered into a payment agreement with XXXX XXXX XXXX on XX/XX/year>. The agreed monthly payment was {$860.00}. I made all payments as agreed under this arrangement. Despite honoring the agreement, the company continued reporting late payments to the credit bureaus during the time I was under an active payment plan. The account is now paid in full as of XX/XX/year>. however the inaccurate late payment reporting remains. Reporting an account as late while under a valid payment agreement is misleading and violates the Fair Credit Reporting Act requirement that furnishers report information accurately. I am requesting : Removal of all late payments reported during the agreed payment arrangement Correction of the account status to reflect Paid in Full Immediate update to all credit bureaus I have attached documentation supporting my claim.

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XXXX the time XXXX from XXXX XXXX XXXX Trn : XXXX XXXX .. XXXX was fraudulent taken from my account I was sent a text from a ( XXXX ) XXXX with chase bank at the top of it regarding a transaction they called me stating they were from chase fraud department and in oder for them to complete the transaction i add to add the recipient 's so they can flag the wire transfer I was told not to access my account for 24 hours and when I tried to access my account they locked my out my account my money was gone I contacted chase I the representative stated to me that their was nothing they could to help me I told them i was scammed and went the bank they lied and told me it was being investigated I called they finally on froze the account and started receiving messages from chase regarding the above account documentation regarding the wire transfer I filed a police report XXXX XXXXXXXX I don't know XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I recently checked my credit reports, and discovered that there's 2 collection accounts reporting from Eastern Account Service, which reporting 2 different original creditors ( Wow Service, and Wow Equipments ) who I have no knowledge of, nor ever done business with either of them. I never heard of them ever before, nor have any contractable agreement bearing my signature with either companies. Under the Fair Debt Collection Practice Act ( FDCPA ) 15 U.S.C. 1692g ( a ) & ( b ). I'm excising my rights by law to have them to summit a full validation of debt, including a written agreement bearing my signature of proof that I owe these debts. If they can't full validate all requested. Then they must cease all collection activities and delete these collection accounts completely off my credits reports. By law just send a statement from the original creditor is not a legal verification that I owe this debt, without all required requested is summited and proven.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
Continued Formal Dispute {$1700.00} Deferred Interest SECOND NOTICE OF BILLING ERROR Re : Account Ending XXXX CFPB Complaint ID : XXXX To Whom It May Concern : I am submitting this as a continued formal billing dispute under the Fair Credit Billing Act. Your response does not resolve the core issue. While you state that statements were mailed and not returned, I did not receive periodic billing statements during the promotional period and did not have online portal access to monitor the promotional expiration date. As a result, I was deprived of a meaningful opportunity to satisfy the promotional balance before retroactive deferred interest of approximately {$1700.00} was applied in a lump sum. The assessment of retroactive interest under these circumstances constitutes a billing error under 15 U.S.C. 1666, as I did not receive accessible periodic statements reflecting the promotional expiration. I again offer to immediately remit the full promotional principal balance upon removal of the {$1700.00} deferred interest charge. If this matter is not resolved, I will pursue all remedies available under federal and Colorado law. Please treat this as a continued formal dispute and provide written confirmation of your investigation timeline. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: OH

Complaint narrative:
I opened up a Cash app account I paid my water bill to the city of columbus on XX/XX/XXXX. I didnt really pay attention to it until my water bill came up again and they told me my payment wasnt accepted it actually failed. The water company sent me the information that says my card did not accept the payment my services was in danger of being cut off i paid it on XX/XX/XXXX I had to paid the bill from a different card. I sent cash app the information in XX/XX/XXXX they denied my dispute called back on XX/XX/XXXX they left the account open i called this morning XX/XX/XXXX to ask why they said they stand with the decision and i will not be getting a refund i have the recording on my phone line when they were notified i was recording they closed the whole account and stole my money. Now, I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: OR

Complaint narrative:
Their customer service phone numbers are fraudulent The numbers ring then AUTOMATICALLY HANG UP Unable to reach them! They mislead and send you to a mail XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
This is more information from CFPB complaint # XXXX. I am providing my XXXX Dispute Results as further evidence. Please note the 'Historical Account Information ' section for XX/XX/XXXX shows 'No Data Available '. This confirms that Concora/Milestone failed to report the protected status they promised or make the XXXX payment per the credit Proteciton agreement , which is why I was forced to make a manual payment of {$77.00} on XX/XX/XXXX to save my credit standing. This is the continuation of complaint # XXXX. The CFPB portal did not provide an option to update the original complaint. I am updating this complaint to report a direct financial loss. On XX/XX/XXXX, I received a 'Benefit Continuation ' notice from Concora confirming active protection for XX/XX/XXXX through XX/XX/XXXX. However, Concora failed to honor these benefits, leaving my XXXX balance unpaid and placing my credit standing at immediate risk of a XXXX-day late mark. Because of this administrative failure, I was forced to use emergency funds to make a manual payment of $ XXXXtoday, XX/XX/XXXX ( Confirmation : XXXX ). I am submitting this payment under protest to protect my 'Normal Sinus Rhythm ' credit standing. I am now seeking a direct refund of these out-of-pocket funds, as the account should have been covered by the active protection benefits Concora previously confirmed. I have attached the payment for the {$77.00} and the confirmation number is : XXXX. On XX/XX/XXXX, I spoke with a Concora representative named XXXX. During this call, XXXX stated that XXXX XXXX will not be making payments. XXXX further stated that XXXX told him they will not reimburse me. This directly contradicts the companys own prior confirmations, including : My XXXX XXXX claim was approved My benefits were confirmed as active through XX/XX/XXXX The months of XXXX, XXXX, and XXXX were confirmed as covered I submitted the required form immediately upon receipt I made a {$77.00} payment under protest due to the companys processing failure I am documenting this refusal as part of my ongoing CFPB complaint and XXXX escalation. I am requesting written clarification and reimbursement for all payments that should have been covered under my approved claim. I believe Concora needs to be investigated by the FTC because something fraudulent is happening on my account and their staff have been rude because they do not have answer but keep repeating the same information that they paid all of the benefits but they have not there is no benefit paid for XXXX or XXXX. Nothing is being resolved and Concora is living up to there responsibilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX regarding an alleged debt they claim I owe. Account Number : XXXX ( XXXX ) Reported Balance : {$770.00} Date Opened : XX/XX/year> Date Last Reported : XX/XX/year> I do not acknowledge or admit owing this debt, and I do not recognize XXXX XXXX XXXX XXXX as a lawful creditor. I formally disputed this account and requested full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the XXXX XXXX XXXX XXXX XXXX. Specifically, I requested : A copy of the original signed contract or agreement creating the obligation The name and address of the original creditor A complete itemization of the alleged {$770.00} balance Proof of legal standing, including full chain of title/assignment Copies of any judgments ( if applicable ) To date, they have not provided proper validation demonstrating that I owe this debt, that the amount is accurate, or that they have legal authority to collect it. Despite the dispute, the company may be continuing collection efforts and/or credit reporting without first providing validation. This may constitute violations of : Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f, 1692g ) Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) XXXX XXXX XXXX XXXX and XXXX If this account is being reported to any consumer reporting agency, it must be marked as disputed and properly investigated. Reporting unverified or inaccurate information is harmful to my credit. I am requesting that XXXX XXXX XXXX XXXX be required to : Provide full and proper validation of the alleged debt ; OR Cease all collection activity permanently ; Delete the tradeline from all consumer reporting agencies if they can not validate the debt ; Ensure the account is properly marked as disputed. I am requesting a full investigation into this matter and appropriate corrective action. If you'd like, I can also give you a shorter version ( someti

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: InDebted Corporation
State: SC

Complaint narrative:
Paid off this debt with a debt collector that they sold my info XXXX after I paid off the debt they continued to report late payments and etc even after paying off everything

Company response to consumer: Closed with explanation