vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 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: OK

Complaint narrative:
I have sent XXXX letters to Portfolio asking them to validate the debt. XXXX on XX/XX/year> certified return receipt. XXXX on XX/XX/year> validation with certified return receipt. No response. Then, I sent a validation letter to XXXX on XX/XX/year> and XXXX XXXX with Certified Return receipt and they said it was validated but did not say how they validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Citi bank closed my account the day after I deposited a XXXX check that was signed over to me based off what they said was suspicious of fraud basically saying it was fraud in which I was not they didnt even ask additional info until I called them because I was unable to log in my account on line so I was in a sense discriminated against and profiled as being fraudulent, which I am not, and there was no fraudulent activity so in my discretion they closed my account based off what their opinion was with out further research

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 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This account is the result of identity theft. I have never applied for, opened, or authorized this account. I am demanding a full investigation under the FCRA. Please provide documented proof with my signature. If you can not verify this account, it must be deleted immediately. I will pursue further action if this fraudulent account is not 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 non-monetary relief
Consumer complaint received 2026-02-23 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/year> To : Chase Bank Fraud Division From : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX Re : Dispute of Chase Decision in our fraud claim To Whom It May Concern, On XX/XX/XXXX, we discovered nearly XXXX points missing from our Sapphire and Freedom credit card accounts. We immediately called the number on the back of our Sapphire card ( XXXX ). An agent in the fraud department told us that, on XXXX XXXX, our email acct. ( XXXX ) had been used to access our Chase account and request that XXXX points be redeemed in the form of digital XXXX gift cards. Chase sent the order to our email address which was then accessed by a XXXX computer somewhere in XXXX XXXX. Not us! We quickly checked our email acct. and found emails from Chase regarding the Gift cards. An XXXX PIN number was required to access and redeem the gift cards. We do not have an XXXX account or PIN number, but it didnt matter because the gift cards had already been accessed and were gone. We told the representative that we did not order the gift cards, do not own a XXXX, we live in XXXX and do not know anyone in XXXX XXXX. The agent cancelled both cards and arranged for replacements. She helped us change the password on our Chase account. We were told that Chase would investigate. To our surprise we received a letter from Chase XXXX XXXX. dated XXXX denying our claim. Since the request came through our email account, Chase assumed that we redeemed the points. We are writing to dispute this denial! Our email account was accessed without our knowledge or permission. We did not authorize the XXXX gift card purchases, and neither we nor anyone we know received the gift cards. This is significant fraud with the cash value of the stolen points exceeding {$1000.00}. Steps we have taken so far - We have filed a criminal complaint ( # XXXX ) with our local XXXX XXXX Police Dept. and with the FBI Consumer Fraud Division and Federal Trade Commission ( # XXXX ). Of note - We are well-established customers with Chase. For many years we have deposited millions of dollars, and, even in retirement, we currently do significant business through Chase with our XXXX credit cards and XXXX numerous checking and savings accts. In short, we have a long, incident-free and positive history with Chase. We hope you will take this into account, reconsider your decision, and allow this mutually beneficial business relationship to continue. We are grateful for the opportunity to earn points on our expenditures with Chase. And, we realize that it is up to your discretion to restore points as part of a good customer relations policy. We very much hope you will do that in our case. We have been, and are, good customers! Sincerely, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams, Rush & Associates, LLC
State: GA

Complaint narrative:
XXXX. Mischaracterization of the Contractual Parties Your statement that XXXX served as the financing entity under the agreement is contradicted by the written contract governing this account. The Retail Installment Contract and Addendum state that XXXX XXXX XXXX, XXXX is not a lender, but rather serves solely as a payment processing service provider for XXXX. The contract further identifies XXXX as the XXXX. Accordingly, your representation of XXXX as the financing entity and owner of the debt is inaccurate and misleading. XXXX. Demand for Proof of Standing and Chain of Title To date, you have failed to provide competent evidence that : XXXX, the original creditor, lawfully assigned its rights in this specific account ; XXXX XXXX XXXX, XXXX possessed any ownership interest capable of being assigned ; and Williams , Rush & Associates , LLC holds a valid, documented chain of title establishing lawful authority to collect and to furnish data to consumer reporting agencies for this account. Generalized statements of authorization are not proof. Under the FDCPA ( 15 U.S.C. 1692g ) and the FCRA ( 15 U.S.C. 1681s-2 ), you are required to maintain and provide documentation substantiating your authority and the accuracy of the information you furnish.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
OneMain Financial sent documents to my house showing my personal information sharing it with a sheriff or someone who impersonating I called the number back they said I owe so they garnished my wages at my job I never gave them my social security number they breached my job HR resources to collect acting as a sheriff or Lawyer not sure telling me I have to go to court I was no what are you talking about Im filing a complaint against there company they have XXXX complaints online XXXX I want XXXX to resolve this matter professionally they threatened me during the borrowing process but this wrong to go about I never got a email call nothing people contacted my job I never game them any permissions XXXX XXXX is a broken city they just want money Im a law abiding citizen I have rights can you help get this matter solved Im a government dock clerk at XXXX none of there business what I do where I work this was years ago I had nothing now Im working hard for my family my check is at stake can you help please

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally dispute unauthorized charges that have appeared on my account. I did not authorize these transactions, nor did I provide permission for anyone else to use my card or account information. I am requesting an immediate investigation into these charges and a reversal of any unauthorized amounts. Please also review my account for any additional suspicious activity and advise me on the next steps to secure my account, including issuing a new card if necessary. Kindly confirm receipt of this dispute in writing and inform me if any further documentation is required from my end. Thank you for your prompt attention to this serious matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CarMax, Inc.
State: TN

Complaint narrative:
When my wife and I purchased this vehicle, I had just had a XXXX transplant 6 months prior and I needed a XXXX transplant in the next 3 months. I needed a reliable car to get myself and my caregiver wife back and forth from XXXX to XXXX. I had no idea that I'd be falling prey to almost predatory lending. The payment structure of the loan ensures the first 1 to 2 years is applied strictly to interest, leaving I'm sure many many customers in similar situations. Carmax pushes their " no haggle '' policy and we were both so tired and I still sick. I would have no way of knowing that, when I agreed to the high interest rate and the predatory payment structure, I wouldn't be able to refinance later for a better rate. Carmax has no solution, I've tried 4 different other lenders. My credit is in the XXXX, so that is not an issue. Shame on Carmax, this is a bitter lesson learned, when money is already running low as it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: NC

Complaint narrative:
I filed a dispute regarding charges totaling {$650.00} for a defective key fob ( {$610.00} ) and an ineffective service fee ( {$38.00} ). The key fob stopped working within 5 days, and the service I paid for did not resolve the issue. I submitted my dispute within the appropriate timeframe ; however, my bank denied the claim without ever requesting or allowing me to provide documentation. I was not given a fair opportunity to support my claim, and the dispute appears to have been automatically denied without proper investigation. I am requesting that the bank reopen the dispute, allow submission of documentation, and conduct a proper manual review. This situation has caused financial hardship, 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 monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: TX

Complaint narrative:
Unlawful Credit Reporting WithouXXXX Notice FCRA & FDCPA Violations I am filing this complaint regarding unlawful credit reporting practices by SOUTHERN MANAGEMENT SYSTEM INC and the major credit reporting agencies ( XXXX, XXXX, and XXXX ). Between XX/XX/XXXX and XX/XX/year>, a new collection account in the amount of {$4100.00} was added to my credit report, allegedly related to XXXX XXXX. I was never contacted by this collection agency. I never received : Any initial written notice Any debt validation notice Any opportunity to dispute before reporting Any communication whatsoever The first time I became aware of this alleged debt was when it appeared on my credit report. This is deeply concerning. Under 15 U.S.C. 1692g ( FDCPA ), a debt collector must provide written notice of the debt and the consumers right to dispute within five days of the initial communication. Reporting a debt to credit bureaus without providing prior notice deprives the consumer of their statutory validation rights. Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), a furnisher may not report information they know or have reasonable cause to believe is inaccurate. Under 15 U.S.C. 1681e ( b ) and 1681i, credit bureaus must follow reasonable procedures to assure maximum possible accuracy. Simply accepting electronic data from a furnisher without verifying underlying documentation does not constitute a reasonable investigation. No signed lease agreement, no itemized statement, no accounting ledger, and no contractual proof of liability has been provided to me. The immediate reporting of this alleged debt without prior notice has caused substantial harm to my credit profile, significantly lowering my score and damaging my financial standing. This appears to be part of a broader pattern in which debts are verified by furnishers through automated systems without meaningful investigation. I formally dispute this account in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
On XX/XX/XXXX, I purchased an artificial XXXX tree online using my XXXX credit card issued by Synchrony Bank. On XX/XX/XXXX, I initiated an online return. XXXX sent me an email confirming that I had until XX/XX/XXXX to return the item. I relied on that written return deadline. ( I have a copy of this email ) After XXXX ( late XX/XX/XXXX ), I attempted to return the tree in store and was told that all holiday items had to be returned by XX/XX/XXXX. I contacted XXXX customer service the same day and was told the same thing. I disputed the charge with Synchrony Bank on the basis that XXXX provided a specific written return date that I reasonably relied upon. The dispute was denied. I reopened and disputed the charge a second time, and it was denied again. ( ID 's : XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX ) I still have the unused tree and am willing to return it, but I am being prevented from doing so despite relying on the written return deadline provided by the merchant.

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 monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I just saw it on my credit report and looked up the information. Tries calling the company and no response

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I returned a product to XXXX in XXXX and fully complied with all return instructions. The item was received by XXXX. Since XXXX, I have not received my refund. XXXX repeatedly confirms by email that the refund was issued and instructs me to contact my bank. They also claim they requested that my bank resolve the dispute in my favor. However, my bank states that no refund was received and has not provided evidence of a formal trace or investigation through the debit card network. XXXX refuses to provide the ARN ( Acquirer Reference Number ) or any trace documentation for the refund transaction. As a result, I am left without the product and without my money. This situation has caused significant stress, especially during my XXXX XXXX, and it is deeply frustrating to be caught between both institutions without resolution. I am requesting a formal payment trace investigation. If the funds were received, they must be credited to my account immediately. If not, I request written confirmation so I may pursue further action. I have been attempting to resolve this matter since XXXX without success.

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 monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Portfolio recovery need to delete this fake debt asap off all my credit report XXXX this is against the law and I will sue them. They refuse to validate this supposed debt in XXXX days and just closed claim and lied I need action my credit is suffering. I need them to validate this fraudulent debt and the time I gave. With my signature and contact and the chain of custody and how much they bought this supposed debt debt and how they have the right to to collect. I need full deletion on all my credit reports asap no questions I will charge them {$1000.00} according to the credit laws

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: American Credit Acceptance, LLC
State: IL

Complaint narrative:
I was in a car accident and my insurance took too long to complete my claim so a lot of late car note payments was posted messing my credit up, then lost my job so I couldnt pay my credit cards off in time like I normally do. Reporting my late payments things got rough for a moment and Im trying to get back together

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
Account number XXXX XXXX Affirm Past due and charge off amount of {$46.00} is a fraudulent account that appears on my XXXX Credit report. This account was opened without my consent knowledge and I have not benefited from this account being opened. Police report Case Report XXXX XXXX was reported with the XXXX XXXX XXXX Police. I did not apply for, authorize, or use this account. I have never entered into any agreement with Affirm for this debt. This account was opened without my knowledge or consent. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable federal and state identity theft laws, I am demanding that you : 1. Immediately cease reporting this account to all consumer reporting agencies. 2. Conduct a reasonable investigation into this fraudulent activity. 3. Provide me with copies of any application, contract, IP logs, transaction records, or other documentation used to open or verify this account. 4. Permanently close the account as fraudulent. Enclosed are copies of : Government-issued photo identification Proof of address Police Report If this matter is not resolved promptly, I am prepared to file formal complaints with the Consumer Financial Protection Bureau , the Federal Trade Commission , and my State Attorney General. Please provide written confirmation that this account has been closed and removed from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
I am submitting a complaint regarding multiple debt collection accounts. The collection agencies have been repeatedly contacting me regarding debts that I am disputing and/or requesting that they cease collection activities. Despite prior communication requesting that all collection efforts stop, I continue to receive calls and letters. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested that collection efforts cease on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$970.00} I requested a cease-and-desist on [ insert date XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$550.00} I sent a written request to stop collection communications on XX/XX/year>. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$1200.00} I have disputed this account and requested that all collection activities cease on XX/XX/year>. LVNV Funding LLC XXXX XXXX XXXX XXXXXXXX Amount : {$490.00} I requested validation of the debt and that collection efforts stop on XX/XX/year>. Despite my written requests, these companies have continued to contact me, violating my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ). I am seeking enforcement to ensure that all collection efforts cease and that these companies comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo: XXXXAmerican Express XXXX XXXXSubject: Request to Reinstate My Closed Credit Card Accounts\nDear American Express Executive OfficeXXXXI have been a proud American Express member since XXXX and have truly enjoyed the benefits of being a loyal cardholder. I currently hold three accountsXXXXAmex Gold XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThroughout my membership, I have maintained all accounts in excellent standing with no late payments or past-due balancesXXXX XXXX XXXX my accounts were temporarily blocked for an account review, and I was instructed to provide updated bank statements. Unfortunately, I was out of state due to a personal matter and recently returned home, only to discover that all three of my accounts have since been closedXXXXI am very disappointed, as I fully intended to submit the requested documents. I kindly request that my accounts be reconsidered for reinstatement. I am ready to provide my bank statements immediately for your review. Please send me the link or appropriate instructions to submit them.XXXXYou may contact me at XXXX XXXX or via email at XXXX. I sincerely hope you will review my account history and consider reinstating my cards based on my long-standing, positive relationship with American Express.XXXXThank you for your time and understanding.XXXX XXXX XXXX

Company response to consumer: Closed with explanation