vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TekCollect Inc.
State: FL

Complaint narrative:
I had an account with XXXX XXXX for correction of teeth and before my services were rendered the company filed bankruptcy. Therefore I could not continue my treatment to complete the process of correction of my teeth. I should not have to pay remaining balance of services that were not rendered by the company. This remaining payment towards the company has now been reported on my Credit Report as a collection for a debt and has damaged my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: LA

Complaint narrative:
On XX/XX/year>, my wife was called by a person identifying themselves as a Bank of America representative. The caller ID also indicated Bank of America. She was tricked over the phone into giving our Bank of America credit card number and CVV. She did NOT authorize any charges. Immediately after, XXXX transactions were attempted within XXXX hour in XXXX XXXX, XXXX and XXXX -- countries we have never visited. XXXX of those charges went through totaling {$37000.00} and XXXX were declined. These transactions exhausted our credit limit in rapid succession. Our credit limit was {$20000.00}. The fraudulent charges were over the limit by {$18000.00}. If we go over our credit limit the charges are immediately denied. Why did this not happen in the case? We called XXXX of XXXX to report the call within XXXX minutes of realizing this could be fraud. We were assured by the representative that we would not be liable for the charges. Our next statement indicated that all charges had been removed. Then, with no advance notice, all charges were put back on our card and we were told via letter, we were in fact responsible for the fraudulent charges. The BOA stated we authorized the charges which is clearly not the case! We have been BOA customers for XXXX years, with an average monthly charges of {$10000.00} that we pay off in full each month. This violates the Truth in Lending Act and XXXX XXXX, which states that consumers have XXXX liability for unauthorized credit card charges when they did not knowingly authorize the transaction. We are demanding that Bank of America immediately credit the full {$37000.00}, remove all fees and interest and correct any negative reporting. In addition, we want it noted that we have been lied to and given conflicting information on every attempt to put forth our case. This has caused an unnecessary amount of stress in our lives. Please find attached a timeline of communication and supporting data that has been sent to Bank of America in an attempt to get these charges reversed. Please find attached a timeline of communication and supporting data that has been sent to Bank of America

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 2026-05-13 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: NJ

Complaint narrative:
I used service from Abound for money transfer. I started my transfer on XX/XX/XXXX and ACH was cleared on XX/XX/XXXX. But after that funds are stuck for 13 days and not getting transferred. They said it takes XXXX days and in some cases XXXX business days. When I initiated transfer, it was promised to be delivered in XXXX days and now it is turned to 18 days. No competition in market take these many days. I read comments from many people that Abound is presenting false information and this is usual with all transactions. I request your esteemed office to take note of this and do financial audit of this organization.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I recently discovered through my credit report that an alleged unpaid gas bill had been placed into collections through IC System and reported to the credit bureaus. I have never missed gas payments and do not believe I owe any outstanding balance related to this account. I was never properly notified of any delinquency prior to the collection reporting, and I dispute the validity and accuracy of this debt. The reporting of this account has negatively affected my credit profile. There for I am requesting : - a full investigation into the validity of the alleged debt, - verification of the account and payment history, - recall/removal of the collection account, - deletion or correction of inaccurate credit reporting, - and written confirmation of the 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 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) for their failure to conduct a good-faith investigation into a documented merchant scam. Incident Details : I purchased a " XXXX XXXX '' from a merchant I believed was affiliated with XXXX. The agreed price was {$29.00}, but my Cash App card was immediately charged an additional unauthorized {$15.00}. While Cash App initially reimbursed the {$15.00} overcharge, they have repeatedly denied my dispute for the remaining {$29.00} for " merchandise not received, '' despite overwhelming evidence of fraud. Evidence of Sophisticated Fraud : As a professional with a decade of experience in shipping and logistics, I identified several " red flags '' that Cash App 's automated systems ignored : Ghost Tracking : The merchant provided a tracking number that does not correspond to any legitimate global carrier. Falsified Updates : As shown in XXXX, the tracking updates are illogical. The shipment purportedly spent weeks moving through XXXX and " US Customs '' without a single hand-off to a domestic carrier ( USPS/XXXX/XXXX ) . Synthetic Tracking Platform : My research indicates the merchant i s using a third-party " tracking generator '' designed specifically to bypass financial institution dispute algorithms by providing fake " in-transit '' pings. Failure of Oversight : Cash App has refused to review the supporting documentation I provided and has sided with the merchant based on these falsified records. They have failed to provide a logical explanation for why a non-verifiable tracking number is being accepted as proof of fulfillment. By refusing to look at the evidence of this highly sophisticated scam, Cash App is enabling a fraudulent environment that puts consumers at risk. Desired Resolution : A full reversal of the remaining {$29.00} and a manual review of this merchant 's activity to prevent further consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates is attempting to collect an alleged XXXX XXXX XXXX credit card debt that I dispute and do not I owe. I previously had a XXXX credit card account, but the alleged balance appears to come from an unresolved XXXX billing/payment processing error from approximately XXXX. Around that time, there was an issue involving approximately {$1000.00}, though I do not recall the exact amount. XXXX appeared to charge or debit me twice, and when the issue was refunded or adjusted, the amount was charged back to the credit card again. This created an incorrect balance that I disputed with XXXX. Throughout XXXX, I received repeated calls from XXXX. I explained the issue multiple times, and my understanding from those calls was that XXXX representatives could see the payment/charge/refund issue and said it would be escalated for further review. Despite this, XXXX did not properly resolve the dispute or provide a clear written explanation showing that the balance was valid. I am now being contacted by Portfolio Recovery Associates for an alleged XXXX balance of approximately {$1400.00}. I dispute this alleged debt in full. I do not believe PRA should be collecting this balance unless it can provide full validation showing the complete XXXX transaction history, including all charges, payments, refunds, reversals, adjustments, fees, interest, date of first delinquency, and how the current balance was calculated. I am concerned that this alleged debt resulted from XXXX unresolved error and was sent or sold to XXXX before the dispute was properly investigated or corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SIMMONS FIRST NATIONAL CORPORATION
State: AR

Complaint narrative:
I did an instant transfer from XXXX XXXX to my checking account of {$100.00}. After instant fee it was {$98.00} it was not deposited on XX/XX/year>. Ive contacted them and they continue to say it is a system visa issue and add the funds manually and then take it off. Ive attached conversations with multiple reps and the confirmation email from XXXX XXXX and their reply as well

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
They call at minimum XXXX times a day every single day. I have tried to offer them a settlement for payment in full and they declined. And they continue to call at minimum XXXX times a day every single day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I purchased and then return some items from XXXX around XX/XX/XXXX, they were several items several orders., I then returned some of those items and some others I was told not to return them that I will be granted a refund because I was a XXXX XXXX, In some of those items my funds were refunded to my bank account and some other funds XXXX, I later try to get my money back and XXXX told me XXXX return the items that i was previously told by them to keep., upset I did I returned those items., I then open a dispute cause XXXX was refusing to refund XXXX, at the same time they refuse to refund me they charges back other items!, I was confused., so the bank allowed them WITHOUT MY AUTHORIZATION to charge my cc!, my card was already removed from XXXX website but tha did not XXXX XXXX so as a result. XXXX charges back some items and also refuse to refund me for items I returned., the problem is with the bank tho. Because I file a dispute., XXXX ( problem XXXX ) bank allowed charged back without my authorization of items that were already retuned and refunded by XXXX XXXX ( XXXX XXXX ) capital one refuse to give me my money back of items I returned regardless of proved of delivery. XXXX : I requested a paper history statement from capital one that I will be receiving next month., because I realized that capital one charges your card without your authorization I also discovered recently unknown charges that when I try to take a XXXX photo the screen turns XXXX so its hidden charges., I need to investigate the bank because my account its a lot lower than expected and for ovious reasons of this complaint makes me wonder even more on how much the bank is stealing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: CO

Complaint narrative:
Cease and Desist / Notice of Dispute / Opportunity to Cure Account Number : XXXX To Whom It May Concern : This letter serves as formal notice that I dispute the alleged debt referenced above and demand that Columbia Debt Recovery, LLC immediately cease and desist all collection communications and collection activity regarding this matter except as required by law. Further, before any continued reporting, collection, transfer, or enforcement activity may occur, you must provide competent documentary evidence establishing all of the following : 1. Proof that Columbia Debt Recovery, LLC has the legal right to collect on the alleged debt ; 2. Proof that Columbia Debt Recovery, LLC legally owns the alleged debt ; 3. Complete documentation establishing that the chain of assignment has not been broken from the original creditor to the present holder ; 4. Copies of all assignments, bills of sale, transfer agreements, and purchase agreements related to this alleged account ; 5. Verification bearing my signature showing I contractually agreed to the alleged obligation ; 6. The complete accounting and payment history for the account ; 7. The name and address of the original creditor and all subsequent owners of the account ; 8. The specific method of verification used to validate the account ; and 9. Copies of all ACDV ( Automated Consumer Dispute Verification ) records, e-OSCAR communications, and any information furnished to any consumer reporting agency concerning this account. You are hereby provided an opportunity to cure any inaccurate, incomplete, misleading, or unverifiable reporting associated with this alleged debt. If you can not fully substantiate your claims with competent evidence, you must immediately cease collection activity and delete all related tradelines and reporting from all consumer reporting agencies. Be advised that any continued collection efforts, reporting of inaccurate information, or failure to properly investigate disputed information may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This correspondence is not an acknowledgment, admission, or acceptance of liability for the alleged debt. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
The company threatened legal action and seizure of assets regarding a debt I dispute. I believe the reporting and/or collection activity is inaccurate and I am requesting proper validation and investigation under the Fair Credit Reporting Act and Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The vehicle was parked at a relatives house while they were watching it and we were fixing the XXXX on the vehicle. The apartment management had the vehicle towed, and it was ultimately crushed. We spent several months trying to locate the vehicle, only to discover that it had been destroyed without proper authorization and given to the towing company. When I contacted the towing company with the VIN to get information, I was told to contact the police, and they refused to provide details. I then notified XXXX XXXX about the situation and was told they would inform their attorney and get back to me ; however, I have not received any follow-up. Despite the vehicle no longer existing, I am being asked to pay {$5600.00}.

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 2026-05-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
This is the second complaint I have had to open due to no response from the business. I provided accurate address information previously and was asked to provide the same information in order to receive the funds. This is merely a delay tactic and a headache. I have not received the requested transaction history, the tracking number for the replacement cards, nor the {$76.00} in funds owed to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AC AutoPay LLC, Denver, CO Branch
State: OH

Complaint narrative:
I am filing a third complaint regarding AutoPays continued failure to provide documentation related to my paid-off auto loan. On XX/XX/year>, I contacted AutoPay and requested a lien release letter. During that call, I was advised that the letter would be emailed to me. After not receiving anything, I called again on XX/XX/year>. During that recorded conversation, I was specifically told that it could take up to XXXX hours for the lien release letter to be processed and emailed, and that I should have it no later than Tuesday, XX/XX/year>. As of today, XX/XX/year>, I still have not received the lien release letter, nor have I received any communication, update, or explanation from AutoPay regarding the delay. This has become an ongoing issue involving repeated delays, inconsistent information, and poor communication after the payoff of my loan. I have relied on the timelines provided by AutoPay and have repeatedly been told documents would be sent, only for those deadlines to pass without resolution. I am requesting that AutoPay immediately provide the lien release documentation they promised and explain why multiple quoted timelines have not been honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
Heres a strong CFPB complaint narrative you can use and adjust. I tied in the cash advance issue, incomplete records request, and the rejected fraud investigation : I am submitting this complaint regarding XXXX XXXX XXXX concerning inaccurate fees, incomplete records production, and an insufficient fraud investigation. First, I was charged cash advance-related fees and/or interest associated with what appears to have been a XXXX XXXX point-of-sale transaction rather than an actual cash advance withdrawal. I do not recall ever knowingly using XXXX XXXX for a cash advance product or service, nor was I aware that this transaction would be processed or classified in a manner resulting in cash advance fees and interest. The transaction history appears inconsistent with a traditional cash advance and should be independently reviewed. Second, I specifically requested complete account records and statements through XX/XX/year>. However, the records provided were incomplete and did not include everything requested. The institution failed to fully comply with my request for complete documentation and account history. Additionally, my fraud and identity theft dispute was denied despite my submission of an FTC Identity Theft Report, police report, fraud affidavit, and supporting documentation. The explanation I received relied heavily on claims that I accessed or checked my online account. Simply logging into or reviewing an account does not prove that disputed transactions or account activity were authorized by me. Accessing an account is not the same as authorizing fraudulent use by another person. I do not believe the bank conducted a reasonable or thorough investigation into the disputed activity. I am requesting that the CFPB require the institution to : XXXX. XXXX a full reinvestigation of the disputed transactions and fraud claim ; XXXX Review all device access logs, XXXX logs, transaction authorization records, and merchant coding related to the disputed activity ; XXXX. Reverse any improper cash advance fees, interest, or related charges associated with the disputed XXXX XXXX transaction ( XXXX ) ; XXXX. Provide all requested statements and account documentation through XX/XX/year> ; XXXX. Correct or remove any inaccurate reporting associated with disputed fraudulent activity if the activity can not be properly verified. I believe the institutions investigation and response were incomplete and did not adequately address the evidence I submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I've tried reaching out I sent over several documents that they said it was incorrect went back to get the correct documents now I'm sending it over For the XXXX accounts that are reported XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank and XXXX XXXX XXXX XXXX Theses accounts are reporting inaccurate not belonging to me I am a victim of identity theft these accounts need to be removed

Company response to consumer: Closed with non-monetary relief