vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
born on XX/XX/XXXX, and I have been a XXXX resident since XXXX. On XXXX XX/XX/XXXX, I attempted a standard transfer of {$2000.00} from my American Express account to my XXXX checking account. Immediately after this transaction attempt, all outgoing transfers from my American Express account were restricted. My account remains open and active, but I have been unable to complete transfers for over a month. I have contacted American Express multiple times and fully verified my identity using my Social Security number, government-issued ID, proof of residency, and supporting documentation. At their request, I submitted bank statements from my XXXX checking account, which is the same account I have consistently used for prior transfers without issue. I was later informed that the account information did not match their records ; however, this appears to be an internal registration discrepancy on American Expresss end. There has never been any suspicious or irregular activity on my account prior to this incident, and all past transactions were fully legitimate. The source of the {$2000.00} transfer comes from my regular employment, and I can fully document the origin of these funds. Despite my repeated efforts and full cooperation, I have not been given a clear explanation, resolution timeline, or access to my funds for over 30 days. I am formally requesting an urgent review of this matter, a detailed explanation of the restriction, and the prompt resolution of my ability to transfer funds or release the funds owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: NC

Complaint narrative:
Validation of Debt Request - COLUMBIA DEBT RECOVERYXX/XX/XXXX 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 explanation
Consumer complaint received 2026-03-09 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: Experian Information Solutions Inc.
State: DC

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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: AL

Complaint narrative:
To : Consumer Financial Protection Bureau Company : Block , Inc. ( Cash App ) Re : Complaint Case Number : [ Insert Case Number ] Consumer Information : Name : XXXX XXXX Date : XX/XX/2026 Subject : Update to Complaint Confirmation of Account Balance of {$2100.00} To the Consumer Financial Protection Bureau, I am writing to provide a formal update to my ongoing complaint against Block , Inc. ( Cash App ) regarding an unauthorized account takeover and the subsequent withholding of my personal funds. I can now confirm that Block , Inc. has restored my access to the account and acknowledged a held balance of {$2100.00}. This amount matches the funds that were placed on hold following the security breach and email compromise I previously reported. While the identification of these funds is a positive step, the matter remains unresolved. I request that the CFPB keep this investigation Open/Pending until the following actions are completed : Fund Disbursement : Block, Inc. must provide a secure and verified timeline for the immediate transfer of the full {$2100.00} to my external bank account. Account Security Cleanup : Formal confirmation that all unauthorized credentialsincluding the hackers email, modified PIN, and any unrecognized linked cardshave been permanently removed from my profile. Regulatory Review : An explanation for the duration these funds were withheld despite my immediate reporting of the compromise, in accordance with Regulation E requirements. I will notify the Bureau once the {$2100.00} has successfully cleared into my outside account. Until that time, I ask for your continued oversight to ensure the final return of my property. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Continental Finance Company, LLC
State: LA

Complaint narrative:
I am extremely stressed out because this company is violating my rights Under 15 U.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. This account is currently being reported as 30-60 days late which is incorrect. I paid this account in full in XXXX of XXXX. I received correspondence from XXXX that my account was closed due to creditors request. This account was reported as paid in full for several months. Then in XXXX there was a fraudulent charge for XXXX on my account which I never knew until I looked at my credit report and saw a delinquent status on this account. I was never notified of such status until I called. The fraudulent charge was credited back to my account after I disputed it. I'm frustrated because this account should have been returned back to paid in full and closed because the fraudulent charge caused all these issues and discrepancies to my account. I have proof of all these allegations and demand this account be deleted immediately from all reporting bureaus, as this has been hindering me from buying a home and providing for my family.

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 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance One, Inc.
State: PA

Complaint narrative:
I asked this company repeatedly to stop calling. They are rude and either hang up mid conversation or go silent when I ask them to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: TX

Complaint narrative:
On Monday XX/XX/XXXX I had an encounter on XXXX XXXX with a lady about purchasing a vehicle. We had a conversation, then talked over the phone about sending half for the car to secure the car payment as they claim it was two other people on their way to get the vehicle. They scammed me out of {$600.00}. They gave me their number and talked to me for a little bit after receiving the money and then it just started going to voicemail. I caught a lyft all the way to the location and it was somebody else 's home. I called chime to immediately report this and see if I could get my money back but they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I recently obtained my Social Security number in XXXX because I just received my work permit ; I did not have a Social Security number before and therefore was not able to open or obtain any credit cards prior to that. I applied to XXXX XXXX in XXXX but was denied approval. However, I later discovered two collection accounts reported by LVNV Funding LLC on my credit report, one for a XXXX XXXX XXXXXXXX credit card and another for a XXXX XXXX XXXX credit card, with opening dates in XXXX after I already had my SSN. I believe these accounts are incorrect and may belong to another person or result from a mixed credit file or identity theft. I have requested LVNV Funding LLC to provide documentation proving these accounts are mine, including original applications and proof of my Social Security number, but have not received adequate verification. I am disputing these debts and asking for them to be removed unless proven valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
They have been harassing me with calls everyday about 4-5 times a day. I asked them to take my number off of there call list today XXXX XXXX and the guy said they cant do that. I told him if i as k them to remove my number, by law they have to do it. Again he told me no. I dont want to be harassed by this company Revvi any longer please.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear : Sr or Madam Disputed Transactions on credit card ending in XXXX ( FCRA, Reg Z ) I'm writing to dispute fraudulent transactions on my Capital One account ending in XXXX. In XX/XX/XXXX, unauthorized charges were made, totaling {$880.00}. Details : - XXXX XXXX XXXX ( {$880.00}, incl. ) - Hotel ( {$26.00} ) - Hotel ( {$27.00} ) - Driver services ( {$27.00} ) - ( link unavailable ) XXXX Florida ( {$360.00} ) - ( link unavailable ) online Florida ( {$430.00} ) My wife reported this fraud via phone in XX/XX/XXXX. I re-reported the issue again XX/XX/XXXX, and spoke with an agent. On XX/XX/XXXX, I spoke with agent XXXX who confirmed no adjustment was made. I spoke with XXXX, XXXX XXXX, on XX/XX/XXXX, and she acknowledged the issue. I've been charged interest ( 34.4 % APR ) for ~1.5 years, totaling {$450.00} in interest. Notably, I hadn't requested a replacement card until recently, indicating no awareness of the issue prior to XX/XX/XXXX. I request : 1. Full refund of {$880.00} + {$450.00} interest = {$1300.00} 2. No account adjustment were made at any time I've attached the statement. My contact info : Email : XXXX Phone : XXXXXXXX XXXXXX/XX/XXXX SS # XXXX Sincerely, XXXX XXXX Attachment : Statement Relevant codes : - FCRA : 15 U.S.C. 1681 - EFTA : 15 U.S.C. 1693 - TILA/Reg Z : 12 C.F.R. 226.13puted

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year>, a debt validation letter was received by Resurgent Capitol Services asking for more information to validate the alleged debt. In the letter it requires creasing collection efforts while the debt is in dispute. Since receiving the letter they sent three emails in an attempt to collect on the alleged debt. Resulting in violations of my rights under 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: P.S.C., Inc
State: WA

Complaint narrative:
Sent a court case to my house to collect the debt after failing to substantiate debt. After resending the debt amount, I called to make a payment. They said " well that's just the debt, there's also attorney fee 's and court cost. '' This wasn't included on the paperwork, just mentioned over the phone. Again, a failure to properly communicate the debt, the status, the correct amount.

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 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CO

Complaint narrative:
On XX/XX/XXXX I received a text message from Santander saying my vehicle could be up for repossession due to my past due balance, so I submitted payment. Upon looking at my account I decided to do a reconciliation of my account, so I reached out to Santander with my questions. I received my payment history which I was able to determine that I have paid {$16000.00} total over the course of my loan. On the payment history the original balance only shows {$16000.00}, so I asked Santander for a complete billing history so I could compare to the payment history because it only shows the payments i made vs any returned payments. When I asked for the billing history I was told they can only provide me with the payment history. This is an issue because I got the car in XXXX of XXXX and when I first got the car I there was {$990.00} in past due fees and month after I got the car. When I reached out I was told that was an error and that I was actually only behind {$340.00} for XXXX, so I submitted XXXX payments in XXXX of XXXX to true up my account. Fast forward to today my account is showing {$6800.00} and a past due balance of {$1600.00}, but the past due balance never was reduced even when I made double payments to get it down. I have done a reconciliation of my payments and I am attaching it and the message with a Santander rep about the {$990.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: TX

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 explanation
Consumer complaint received 2026-03-09 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: NC

Complaint narrative:
I am requesting assistance regarding the reporting of two late payments on my Citibank credit card account. Prior to this incident, I maintained an excellent credit profile with an XXXX credit score and a strong history of on time payments across my accounts. The reporting of these late payments resulted in a XXXX point drop in my credit score, which has been very discouraging given my otherwise responsible credit history. This Citibank credit card account was newly opened in XXXX. Unfortunately, I overlooked a remaining balance on this newly opened account, which resulted in two missed payments before I realized the account still had a balance. As soon as I became aware of the issue, I immediately paid the balance in full and brought the account current. Additionally, I had payment reminder alerts enabled on the account but did not receive any email notifications indicating that a payment was approaching or due. I typically rely on these alerts to manage my accounts and ensure timely payments, and the absence of a notification contributed to my oversight. I contacted Citibank customer service and also reached out to their executive office requesting a goodwill adjustment due to my otherwise strong credit history and the fact that the balance was resolved immediately once discovered. However, I was informed that they could not review the credit reporting because a portion of the late fee had already been waived. Because this was an honest oversight on a newly opened account, and given my otherwise strong credit history, I respectfully request that Citibank reconsider a goodwill adjustment and review the reporting of these late payments. Thank you for your time and consideration.

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 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
The doctors office reported this erroneously to debt collectors who attempted to collect on a debt for an appointment I did not set or agree to, and when I received digital notification of the appointment, the office was unavailable to cancel the appointment for me. I can pay the amount, it's not about the money. It's about a bad office manager charging over and over again ( per business reviews ), and then using XXXX XXXX companies like this to collect debts. They blatantly misrepresented the claim and the impact during our phone call.This is abuse of the American legal system to profit for the sake of a few really gross and indecent human beings.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
The LVNV Funding LLC account on my XXXX report ( Account ending in XXXX, original creditor XXXX XXXX XXXX XXXXXXXX, serviced by Resurgent Capital Services ) is being reported inaccurately. I never opened this account, never agreed to it, and have no legal obligation to pay it. Reporting it as an open collection is false, misleading, and violates the Fair Credit Reporting Act ( FCRA ). The debt collector also appears to violate the Fair Debt Collection Practices Act ( FDCPA ) by pursuing and reporting a debt that is entirely invalid. This inaccurate reporting is harming my credit profile, affecting my ability to obtain credit fairly. I demand that this account be fully investigated and permanently deleted from all credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

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 explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My vehicle was recently repossessed by Chase Auto Finance. I have already paid all repossession and late fees and want to continue making my loan payments. I experienced temporary financial hardship due to XXXX and caring for my XXXX, which caused the missed payments. Chase denied reinstatement and is requiring full payoff of {$18000.00} to retrieve the vehicle. The car is currently still at the repossession lot and has not been scheduled for auction. I am requesting a hardship exception review so I can reinstate my loan and retrieve my vehicle before it is sent to auction. I am ready and able to resume regular payments.

Company response to consumer: Closed with explanation