vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRING OAKS CAPITAL LL is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRING OAKS CAPITAL LL 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 non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: FL

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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: FC HoldCo LLC
State: PA

Complaint narrative:
The company drove up interest. They labeled my repo as involuntary and they sold the car for a low price of XXXX when it was worth way more than that and left me with a balance thats higher than i initially financed the car for. Now i have no car and owe a company XXXX and also XXXX in interest for their failure to reposess the vehicle after i begged them and begged them to take it on many phone calls for nearly an entire year. They could have taken the vehicle and sell it for a fair price because it got a brand new engine put in it at a kia delaership in XXXX. They sold it in a different state which did not help the price it was sold for.

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 2026-02-17 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: FIFTH THIRD FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was given a {$50.00} gift card that was issued by XXXX XXXXXXXX XXXX XXXX and that bank is now owed by Fifth Third Bank NA since XXXX. I have called the Customer Service number at Fifth Third, the XXXX XXXX XXXX  at Fifth Third, the XXXX XXXX XXXX  at Fifth Third and they are not acknowledging that I have a valid gift card. They will not discuss issuing a new gift card. The phone number on the back of the gift card does not work and the website XXXX directs me to Fifth Third Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. they didn't follow the proper XXXX validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken corrected immediately to not be a charge off. I spoke to Bank of America back in XXXX and higher up in the management chain they confirmed the account was not a charge off and corrected the status with the bureaus. XX/XX/XXXX the they placed the accented back in charge off status with all XXXX  bureaus again saying I owe {$630.00} balance when it was on a recorded call in XXXX that the account was in good standing and closed out with no charge off the auto loan car was a total loss someone hit me and ran I broke my XXXX  XXXX and was bed rested for months my regular insurance ( XXXX ) plus gap paid all balances that were due. I am in the middle of buying a home and Bank of America is reporting false and inaccurate information on my credit reports which now hurts me from being able to secure a home for my XXXX XXXX XXXX daughter and I.

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 2026-02-17 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
On XX/XX/XXXX I was notified about a pending charge for a streaming service free trial that was cancelled on the XXXX, XXXX  days before trial ended. I contacted company immediately after receiving notification of pending charge. On XX/XX/XXXX they denied my dispute. I contacted company immediately. They resubmitted my dispute, I then contacted the service itself. They informed me that they werent contacted until a week later and that if they were contacted when the charges posted they could have handled it, but with the amount of time that passed .. nothing. It isnt about the money, its more that my dispute which I reported on the day of the charge was not contacted until almost a week later. On XX/XX/XXXX at XXXX est. the disputed amount was put back on my credit card for me to pay. I did not and have not used the service over the last XXXX  months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing this complaint regarding Citis mishandling of a billing dispute related to a charge from XXXX. 

I timely filed a dispute after the merchant failed to resolve the matter directly despite multiple attempts to contact them by phone on XX/XX/XXXX and XX/XX/XXXX. After receiving no response from the merchant, I submitted a formal dispute to Citi and provided supporting documentation. 

During the dispute process, communication from Citi has been inconsistent and deficient. I was informed that my dispute was closed due to an alleged lack of response from me ; however, I never received any request for additional information. This was the first time I was told such information was needed. 

More recently, I was contacted by a Citi investigator via email regarding the dispute. When I called Citi to follow up, multiple representatives were unable to locate or view the investigators email or any record of that communication in their system. This indicates a breakdown in internal documentation and case management. As a result, I have been unable to receive a clear explanation of the status of my dispute or the basis for prior decisions. 

Citi has failed to : Provide consistent and accurate information about my dispute status Properly document internal communications Ensure representatives have access to investigator correspondence Clearly explain the reason for closing or handling the dispute This lack of coordination has materially delayed resolution and undermines my ability to exercise my rights under the Fair Credit Billing Act.

I am requesting that Citi : Conduct a full review of the dispute, including all communications sent by their investigator Reopen and properly investigate the dispute if it was improperly closed Provide a written explanation of their findings Confirm that internal documentation systems are corrected to prevent further mishandling I am seeking a fair review of the dispute and compliance with applicable federal billing dispute regulations.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Winklevoss Exchange LLC
State: UT

Complaint narrative:
Subject : Complaint Regarding Failure to Provide Credit Card Statements and Transaction History To Whom It May Concern, I am submitting this complaint regarding the XXXX  Credit Card issued through XXXX XXXX XXXX XXXX XXXX 

Since approximately XX/XX/XXXX, I have been unable to access my credit card transaction history or monthly billing statements through XXXX website or account portal. This issue has persisted continuously despite my repeated efforts to resolve it through XXXX customer support channels. 

I have submitted multiple technical support tickets over several months reporting this problem. In each case, I promptly provided all information requested by XXXX. Despite this, the issue has not been resolved, and I have not regained access to my statements or transaction history. 

I am asking for the technical issue to be fixed immediately. I am requesting that XXXX  provide me with copies of my monthly credit card statements covering the period from XX/XX/XXXX through the present date. To date, XXXX  has failed to provide these statements in any form. 

This failure prevents me from reviewing my account activity, reconciling charges, maintaining proper financial records, and exercising my rights as a credit card holder. Credit card issuers are required to provide periodic statements and access to transaction history, and XXXX  ongoing failure to do so has caused significant inconvenience and concern. 

I am requesting assistance from the Consumer Financial Protection Bureau to require XXXX  to : XXXX. Provide copies of my monthly credit card statements from XX/XX/XXXX to the present ; and XXXX. Address the ongoing failure of their systems that prevent customer access to required account records. 

Subject lines and dates I have to support my requests with XXXX  are below. Actual documentation and conversations can be provided upon request. 

RE : Not able to access statements or history online, Ticket ID : XXXX, XX/XX/XXXX to XX/XX/XXXX We have received your request! - Ticket ID : XXXX, XX/XX/XXXX We have received your request! - Ticket ID : XXXX, XX/XX/XXXX to XX/XX/XXXX We have received your request! - Ticket ID : XXXX, XX/XX/XXXX to XX/XX/XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
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 explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am writing to address a serious concern regarding the unjustifiable practices that have been carried out by a debt collector in violation of the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that they have furnished an account in my name without my consent or agreement. As you know, a legal contract requires the signatures of both parties involved, and I can confirm that I did not participate in any such agreement. 

Furthermore, I would like to highlight that the debt collector did not adhere to the proper 5-step validation procedure, as mandated by the FDCPA. As per the regulations, I am entitled to compensation for these violations. Clearly, my rights have been violated, and my privileges have been abused in this matter. 

I am demanding the immediate removal of this account from my records. The presence of this erroneous information has severely impacted my creditworthiness, making it difficult for me to obtain credit, purchase a home, and even secure a better position in my job. The negative impact on my credit report due to this error is unacceptable, and I urge you to take swift action to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: AL

Complaint narrative:
XXXX XXXX! 
XX/XX/year> $ Their security system failed they have denied my claim before denying this one I want all my money paid back for their security monitoring system failing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
Credence calls me nearly everyday. I asked for an itemized bills showing what I owe for and they sent me a copy of all the debt collectors who have bought my alleged debt but not what the debt was for. I'm not even sure it's mine. Since then they call 3-5 days in a row and once they called everyday except Sunday. They use 2 numbers so that they appear to not be calling that often but I have a call log that clearly shows they've called multiple times just on the last 3 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: OneMain Finance Corporation
State: NC

Complaint narrative:
Across XXXX and XX/XX/year>, the company repeatedly called ( during business hours ) ; however, whenever I would talk to them to ask about options, they refused. Said I was required to make the first ( XXXX ) payment first. In addition, each time, the man would condescendingly disparage me and cast aspersions on my situation by saying " well, when you came in in the fall, you signed this and told us you could pay '' and very much pressured me, leveled vague threats of " at some point, this is out of my hands '' and more than hinted at not paying them destroying my life and future. They refused to give any alternatives to payments as structured, and continued to harass me by questioning my integrity with that statement. One time, I responded by saying " if your crystal ball is working, then maybe you should use that because I couldn't predict how things would change ( for my business ) during XXXX and XXXX '' and that silenced him briefly. I made the XXXX payment, and they are still refusing to give any alternatives to restructuring or forbearance options. OneMain Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
A collection account has appeared on my credit report for a debt I do not recognize and have never owed. I woke up to discover this unverified account being reported under my name, and since then I have been subjected to repeated contact attempts across multiple communication platforms, including aggressive and threatening tactics suggesting legal action. I am a law-abiding consumer, and being harassed over a debt that is not mine is both insulting and distressing. This situation reflects a serious violation of my consumer rights and has caused significant emotional strain and sleepless nights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
XXXXis falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Block, Inc.
State: WI

Complaint narrative:
Back in XXXXXXXX XXXX XXXXXXXX, I received a call regarding a debt from XXXX back from XXXX or something like that. The call was from XXXX XXXX XXXX in Texas. Tey informed me that I needed to pay XXXX XXXX XXXX in the amount of {$2800.00}. I attempted to ask questions regarding this debt, they cut me off by saying I owed this and I had no time to think. I will be going to jail. They requested {$200.00} every month on the XXXX. I informed them that I could not afford to pay that I could only pay maybe {$150.00}. Then a promissory note was sent to my email and I signed it. I started paying the XXXX every month until last week XX/XX/XXXX. I called them on the number I would usually contact them on the promissory contract and the number was invalid. I kept calling and the I started to XXXX the address of XXXX XXXX XXXX XXXX XXXXXXXX, Texas. Nothing came up. Then I started googling the name because I assumed they changed their number. Nothing! Something told me to go on XXXX  website and type in the information on their scam tracker. Low and behold there were countless reports with the name of the company and XXXX XXXX. I was floored! I would pay this over the phone using cash app, and I disputed every charge and was denied. I attempted to go to the police they told me it was a civil matter. I contacted Cash app yesterday XX/XX/XXXX requesting more information of the reasoning behind denials. Once I hung up from previous call a number I did not recognize XXXX. I answered and it was XXXX! I alerted her that I found out this all was a scam! She immediately became hostile and told me she was going to take me to court and have the police report available. They tried to take funds and I blocked them. I feel so ashamed and embarrassed by falling for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am writing to formally dispute the refusal to refund the {$550.00} annual fee charged on XX/XX/XXXX. 
On XX/XX/XXXX, I called Chase and was explicitly toldmultiple timesthat if I canceled the card by XX/XX/XXXX, the annual fee would be fully refunded within the grace period. I relied on this representation. 
On XX/XX/XXXX, I called again to cancel the account. The representative confirmed the card was closed and that the annual fee would be refunded. 
Now I am being told the fee will not be refunded, which directly contradicts what I was told on two recorded calls. 
I am requesting : A formal review of the XX/XX/XXXX and XX/XX/XXXX recorded calls. 
A full refund of the {$550.00} annual fee as represented. 
Written confirmation of the resolution. 
I have been a Chase cardholder for years and expect the bank to honor the representations made by its agents. 
Please escalate this to the Executive Office if necessary. I am requesting a review of the recorded calls from XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt.

This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation.

Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief