vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Absolute Resolutions Corp.
State: TX

Complaint narrative:
I formally dispute your findings and maintain that this account remains unvalidated. You state that there is no requirement to provide validation prior to reporting. However, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector is required to provide proper validation of a debt upon request, including sufficient documentation to establish that I am legally obligated to pay the alleged debt. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), you are required to report only accurate and verifiable information to consumer reporting agencies. To date, you have failed to provide adequate validation. A generic statement that documents exist or will be provided is not sufficient. Proper validation must include, at minimum : A copy of the original signed agreement or contract A complete payment history and accounting of the alleged balance Documentation proving your legal ownership/assignment of the debt Evidence that I am the party legally responsible for this obligation Furthermore, you continued reporting this account to the credit bureaus while it is disputed and without providing validation. This constitutes a violation of the FCRA and FDCPA. Because you have not provided proper validation as of today, XX/XX/year>, I demand the following : Immediate deletion of this account from all consumer reporting agencies Cessation of all collection activity on this account Written confirmation of deletion and account closure If you fail to comply, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and to pursue all available legal remedies. This letter serves as my formal notice of dispute and request for validation. Until such validation is provided, you must cease collection efforts in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
This is a formal escalation of Case # XXXX. In their final response, Cash App ( Block , Inc. ) provided fraudulent accounting to the Bureau to hide a {$740.00} debt for a returned XXXX XXXX XXXX ( XXXX Tracking # XXXX, delivered XX/XX/XXXX ). Cash App 's letter claims I was refunded in three payments. My attached Monthly Statements, XXXX Invoices, and App Screenshots prove these claims are deceptive : The {$300.00} Fraud : Cash App claims this was an XXXX refund on XX/XX/XXXX. Exhibit A ( XXXX Statement ) proves this arrived on XX/XX/year> weeks BEFORE the phone was returned. Exhibit B ( XXXX Invoice # XXXX ) proves this was actually a refund for a XXXX XXXX XXXX XXXX The {$24.00} Fraud : Cash App claims this was a partial XXXX refund. Exhibit C ( XXXX Invoice # XXXX ) proves this was actually a refund for an XXXX Phone Case. The {$410.00} Fraud : Cash App claims this was a final refund on XX/XX/XXXX. Exhibit D ( XXXX Statement ) and my App Screenshots prove Cash App WITHDREW/REVERSED this money on XX/XX/XXXX. Cash App is intentionally misattributing unrelated refunds and reporting " snatched-back '' credits as final payments to deceive a federal regulator. I have received {$0.00} for my {$740.00} return. This is a bad-faith investigation and a violation of the XXXX Consent Order

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
LVNV advertisement states that once you settle the debt with them it will be deleted from the bureaus! Both of my pending accounts held by them have been resolved through full payment of the debts ; however the debt remained listed under them on my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: TX

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 2026-03-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am a defendant and cross-complainant in a debt collection case. The complaint is a collections action for alleged medical debt of {$5700.00} from emergency services on XX/XX/XXXX, at XXXX XXXX XXXX. It was filed XX/XX/XXXX. CMRE Financial Services , Inc., is the Plaintiff and cause me to be served personally on XX/XX/XXXX, and filed proof on XX/XX/XXXX. After this personal service, I contacted XXXX XXXX of California and CMRE Financial Services , Inc. in recorded three-way calls. Those calls led the provider ( or its assignee ) to submit a claim to XXXX XXXX on XX/XX/XXXX. XXXX XXXX issued its EOB the next day showing {$0.00} patient responsibility in all categories and denying payment solely because the claim was outside the timely-filing window. I filed a grievance, which was upheld on XX/XX/XXXX, again confirming {$0.00} patient responsibility. On XX/XX/XXXX, I spoke and corresponded with CMRE Financial Services , Inc.s counsel, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX, ( XXXX ) XXXX, XXXX, by phone and by email, explaining that the claim is barred by the federal No Surprises Act. When I received no confirmed position, I filed a demurrer. The Court overruled it on XX/XX/XXXX, noting it raised affirmative defenses. I timely filed my verified Answer and compulsory Cross-Complaint on XX/XX/XXXX. The Cross-Complaint alleges FDCPA and Rosenthal Act violations arising from CMRE Financial Services , Inc.s continued prosecution of a debt that is unenforceable under the XXXX . Importantly, the services were out-of-network emergency care under an ERISA-governed plan at a qualified emergency care institution. The XXXX prohibits balance billing in this scenario and limits patient responsibility to in-network cost-sharing, which is {$0.00} per EOB and grievance. CMRE Financial Services , Inc. argues that my alleged delay in providing insurance information justifies the suit. But that argument was waived the moment the provider submitted its claim to XXXX XXXX on XX/XX/XXXX. By making that submission, the provider and its assignee ( CMRE Financial Services , Inc. ) committed to the legislative and regulatory governance of the No Surprises Act for the duration of the account. They elected plan processing and the independent dispute resolution process between provider and insurer, not direct patient billing. Any prior patient conduct is irrelevant once that election occurred ( 42 U.S.C. 300gg-111 ; 45 C.F.R. 149.110 ; Health & Saf. Code 1371.35 ). The determination of the plan of {$0.00} patient responsibility extinguishes any underlying indebtedness as it pertains to me by power of statute. The provider or collectors recourse is limited to the insurance plan. And yet the debt collector maintains its action at law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Avid Acceptance, LLC
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of the above-referenced account on my credit report. Upon review, I have identified multiple inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), as well as non-compliance with XXXX XXXX credit reporting standards. Grounds for Dispute Account Status and Monthly Payments Are Incorrect : The account shows a balance of {$32000.00} and a monthly payment of {$690.00}, even though it was charged off and closed on XX/XX/XXXX. XXXX XXXX standards require that closed or charged-off accounts can not have ongoing monthly payment obligations. Reporting such payments is inaccurate and misleading. High Balance Reporting After Closure : The historical balance shows activity from XX/XX/XXXX through XX/XX/XXXX, well after the account was closed. This is inaccurate and unverifiable information under FCRA. No Notice of Sale Received : I never received a notice of sale or intent to sell the repossessed vehicle. Under state repossession law and XXXX XXXX/FCRA requirements, the lender must notify the borrower before selling repossessed collateral. Without proof that proper notification was provided, this account can not be verified as accurate. Violation of FCRA Verification Requirements : Under 15 U.S.C. 1681i ( a ), I have the right to dispute inaccurate information and request verification. If the creditor can not provide proof that the account was properly reported in accordance with FCRA and XXXX XXXX standards, it must be removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
RE : Formal Dispute of Inaccurate Credit Information Under 15 U.S.C. 1681 Dear XXXX Dispute Department, I am writing to formally dispute inaccurate and unverifiable information appearing on my XXXX credit report, in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), ( 15 U.S.C. 6802/ 15 U.S.C . 6801 ). After reviewing my XXXX credit file, I have identified the following accounts that are being reported incorrectly and/or without proper verification. I am requesting that XXXX investigate these matters and remove any information that can not be verified as accurate, complete, and legally reportable. Disputed Accounts : Credit Collection Services- Date Reported : XX/XX/year> | Balance : {$410.00} These accounts appear to be inaccurate, duplicated, and/or unverified. I am requesting that XXXX conduct a reasonable investigation as required by law and provide competent verification of each account, including but not limited to : -Provide verification for each account -The original creditors name and address -The date of alleged delinquency -Proof that I am legally obligated for the debt -Documentation bearing my signature or other proof that I am legally obligated for these debts -Proof that the reporting furnisher has the legal right to collect and report this debt If the above information can not be verified with the appropriate documentation, I request that these accounts be deleted immediately from my credit report. Please note that reporting unverifiable or inaccurate information constitutes a violation of the FDCPA and Fair Credit Reporting Act. If these matters are not resolved within the statutory 30-day investigation period, I reserve all rights to pursue further remedies available to me under federal law. If you are unable to verify these accounts as required by the Fair Credit Reporting Act, I request that they be deleted from my credit file and that I be provided with an updated copy of my credit report reflecting these changes. Please send written confirmation of the results of your investigation to the address listed above. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Synergetic Communication Inc
State: CA

Complaint narrative:
I received several voicemails from XXXXXXXX XXXX with Synergetic Communication. I have never done business with company and left messages advising them to stop calling and they may have got the wrong number but they continue to keep calling. The number they left XXXX. Please have them stop all communications please. These continues calls is becoming a nuisance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Issue : Capital One failed to fulfill a promised {$25.00} promotional credit for a tracked " Capital One Offer '' at XXXX. Chronology and Facts : Date of Offer Activation : XX/XX/year>. Transaction Details : A purchase of $ XXXX was made at XXXX at XXXX PM on XX/XX/year>. System Tracking : The session was successfully initiated through the Capital One Offers portal and recorded as Trip Number XXXX. Current Status : The portal shows the trip status as " Inactive, '' claiming the merchant has not reported the order. Actions Taken : Verification : I contacted Capital One customer service to provide proof of purchase ( receipt ) and the specific Trip ID. Company Response : The representative confirmed they could see the tracked trip ( XXXX ) in their system. However, they refused to escalate or investigate the missing credit because I used an XXXX XXXX card for payment rather than a Capital One card. Dispute : The " Capital One Offers '' program ( unlike specific card-linked " Merchant Offers '' ) tracks via the portal session and does not require a Capital One credit card for eligibility. The refusal of Capital One to honor the credit based on the payment method is a misapplication of the program 's terms and a failure to rectify a merchant reporting error since I actually sucessfully completed the {$53.00} purchase at XXXX to complete the Capital One Offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Credit Card Dispute Denied Services Not Rendered / Contractor Abandonment Complaint Narrative I am filing this complaint regarding Bank of Americas handling of a credit card dispute involving a contractor transaction for services not rendered. On XX/XX/year>, I paid {$6200.00} to contractor XXXX XXXX using my Bank of America credit card for shed construction services. The total contract amount was {$12000.00}. The contractor began work but only visited the site approximately four times and performed minimal work, consisting of installing XXXX posts and partial framing. The project was left incomplete, with no roof, no siding, and no functional structure. After these limited visits, the contractor abandoned the project entirely. I made multiple attempts to contact him. When he responded, it was delayed and he claimed to be busy and unable to continue the work. To verify whether he was still active, my neigbor contacted him separately regarding another project at a nearby property. He responded immediately, visited the property, provided a quote, and stated he was ready to begin work the next day. Despite this, he refused to return and complete the project for which he had already been paid. This demonstrates that the contractor intentionally failed to complete my project while continuing to accept new work. I filed a dispute with Bank of America for services not rendered and contractor abandonment. I provided supporting documentation including the contract, photos of unfinished work, and communication records. However, my dispute was denied. Bank of America failed to properly evaluate this case as one involving failure to render services and misrepresentation, and instead appears to have treated it as a general service dissatisfaction issue. This is not a matter of dissatisfaction. The contractor failed to complete the agreed-upon work and abandoned the project after receiving payment. I am requesting that Bank of America : Reopen and properly investigate my dispute Evaluate the claim under services not rendered and contractor abandonment Reverse the charge of {$6200.00} Provide a detailed explanation of the denial This situation has caused financial harm, and I am seeking a fair resolution.

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 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint against Citibank ( CBNA ) regarding inaccurate and inconsistent reporting of a charged-off account. This account does not reflect a clear or consistent delinquency timeline, and there are inconsistencies between the payment history and the current account status. The reporting does not provide a verifiable progression leading to the charged-off status. I have disputed this account since XXXX, yet it continues to be reported as verified without any documentation being provided. This inaccurate and inconsistent reporting does not meet proper credit reporting standards and has negatively impacted my credit profile.

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 non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NY

Complaint narrative:
I reached out to Cash app formally to request my tax documents and data for record purposes in which they refuse and prohibited me from obtaining my documentation, which seems as some form of privacy violation and data collection fraud. When I asked for assistance and requested to speak to a supervisor, they actually refused and prohibited me from speaking to one and refuse to escalate the complaint to provide any level of assistance. They actually directly advise me that since I dont have an account at this point in time Im unable to access my information or obtain any information or receive any additional assistance in obtaining any information so I am requesting that You all please assist me in obtaining my information. I did try a foil request under the freedom of information law in which day again still refused to provide my information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> Portfolio Recovery Associates , LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Debt Validation Request Dear Sir or Madam, I am writing in response to your communication regarding an alleged debt. Under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt. I dispute this debt and request that you provide the following information : 1. The amount of the alleged debt, including any fees, interest, or charges 2. The name and address of the original creditor 3. Documentation showing that I am legally obligated to pay this debt 4. Proof that your company is authorized to collect this debt 5. A copy of the original agreement or contract bearing my signature Until you provide proper validation of this debt, I request that you cease all collection activities and communication with me regarding this matter. Additionally, if this debt has been reported to any credit reporting agencies, please note that I am disputing it. Reporting inaccurate or unverified information may violate federal law. Please respond to this request within 30 days of receipt of this letter. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received the card as a gift XX/XX/XXXX. I opened it to find the last four digits of the XXXX digit number were damaged and unreadable. I have tried calling the compnay but their phone tree puts you in a loop or directs you to their website. I filed a complaint on the website but dont expect to hear form them. This feels like fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account was closed for an alleged violation, but no specific reason was provided. I believe this action may be incorrect or lacks proper explanation. I am requesting a review of my account and a clear explanation for the closure. I would also like to know if my account can be reinstated or if any further action is required on my end. It was closed XX/XX/26

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
my account was reported as having missed or late payments. However, I believe this information is incorrect. Payments were made on time and/or within the allowable grace period, or there were circumstances that were not properly accounted for by the company. I have reviewed my records and can confirm that [ explain brieflye.g., payments were processed, payments were made but applied incorrectly, or there was a payment arrangement in place ]. Despite this, the company continues to report these payments as late, which is negatively affecting my credit.

Company response to consumer: Closed with explanation