vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
Subject : Formal Complaint Request for Immediate Deletion of Collection Account ( ALDOUS / XXXX XXXX XXXX ) To Whom It May Concern, I am submitting this formal complaint regarding a collection account being reported on my credit report by ALDOUS, on behalf of the original creditor, XXXX XXXX XXXX Account Information : Collection Agency : ALDOUS Original Creditor : XXXX XXXX XXXX Account Number : XXXX Balance : {$260.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX This account is currently being reported on my XXXX credit report. I am disputing this account due to concerns regarding its accuracy, completeness, and compliance with federal reporting laws. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, verifiable, and complete. At this time, I have not been provided with sufficient documentation to validate the legitimacy of this debt, nor evidence that ALDOUS has the legal authority to collect or report this account. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt, including : A signed agreement or contract bearing my signature Proof that I agreed to the terms of this debt A complete payment history Documentation showing ALDOUS has authorization to collect on behalf of the original creditor Proof of compliance with all applicable laws in reporting this account Furthermore, the reporting of this account appears incomplete, with missing or inconsistent payment status details, which raises concerns about the integrity of the data being furnished. Given these issues, I am requesting the following : 1. Immediate investigation into this account 2. Verification of the accuracy and legal compliance of this reporting 3. Immediate deletion of this account from all credit reporting agencies if it can not be fully verified If this account can not be validated in accordance with federal law, it must be removed from my credit report immediately. Please provide me with written confirmation of the results of your investigation. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Texas XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
1 am filing a complaint against Bank of America regarding failure to protect my account and personal information. An individual gained unauthorized access to my account and was able to obtain sensitive information, including my updated contact details, even after I reported the issue and took steps to secure my account. I contacted the bank multiple times and was assured the matter would be handled, but the unauthorized access continued. As a result, I experienced ongoing harassment, emotional distress, and had to take additional measures to protect myself, including changing my phone number and seeking support. I believe the bank failed in its duty to properly secure my account and prevent further unauthorized access after being notified. I am requesting a full investigation into this matter, an explanation of how this breach occurred, and appropriate resolution for the damages caused.

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: ME

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off account that appears on my credit report. This account is being reported as a charge-off, which is a highly derogatory status. However, this reporting appears to be inaccurate, incomplete, and/or misleading, and I am requesting a full investigation pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). The account information is as follows : Creditor/Company Name : ___________________ Account Number : ___________________ Date Reported : ___________________ Balance Reported : ___________________ Grounds for Dispute This account is being reported in a manner that is inconsistent with FCRA reporting standards for the following reasons : A charge-off is an accounting action, not a legal status of the debt. The balance, payment history, and status being reported are not accurate and do not reflect the true history of this account. The reporting company has failed to provide proper documentation proving : That they are the lawful party authorized to report this debt That the balance is correct That the dates being reported are accurate This account may also be subject to double reporting or improper re-aging, which is a violation of the FCRA. What I Am Requesting Under the FCRA, I am requesting that you : Conduct a full investigation of this account Provide me with the method of verification used Provide copies of any documentation used to verify this account Remove this account entirely from my credit report if it can not be properly verified If this account can not be fully verified with complete documentation, I am requesting immediate deletion of this charge-off from my credit file. Please note that a simple confirmation from the reporting company is not considered proper verification under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding multiple unauthorized transactions processed through my Cash App account in XXXX and XX/XX/2026, all associated with XXXX. I did not authorize these transactions, I do not have a XXXX account, and I did not receive any goods or services. I promptly reported these transactions to Cash App as fraud and exercised my rights under the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) and Regulation E. I also contacted XXXX multiple times, and they were unable to identify any account associated with my personal information or explain the origin of these charges. Instead of properly resolving the dispute, Cash App has classified my account activity as suspicious and proceeded to close my account. This action appears to penalize me for reporting fraudulent activity and may constitute a violation of federal consumer protection laws. The unauthorized transactions show a clear pattern of repeated charges over a short period of time, which is consistent with account compromise and fraudulent use by an unknown third partynot authorized use by me. I am requesting the following : A full and thorough investigation of all disputed transactions Immediate reimbursement of all unauthorized charges Provisional credit during the investigation period, as required by Regulation E Reinstatement of my account or a clear and lawful explanation for its closure Written documentation of the findings of the investigation If Cash App maintains its position, I request that they provide specific evidence supporting their claim that I violated their Terms of Service. I am seeking a resolution that complies with federal law and restores my access and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: TX

Complaint narrative:
I have let them know I'm talking to a debit consolation company and bankrupt attorney but they keep harassing me. I have told them 3 different times to please do not call my employer I can not take personal calls at work. The lady before my position was terminated due to personal phone calls. They continue to lie and say that I have never told them that and its not in the system that they cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has charged me {$11.00} numerous times from what is clearly fraudulent. The XXXX XXXX XXXX confirms numerous others have encountered similar issues with the same issue. PayPal is claiming it will take over a month to resolve this. This is categorically rejected - PayPal is formally instructed to comply and refund by end of next week at latest. Parallel complaints are being drafted to California State Attorney General, Department of Finance, and Federal Trade Commission ( FTC ). Complaint ID is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am reviewing my credit report and found an error regarding an account with XXXX XXXX. The report shows this account as a charge-off, but it is still reporting it to my credit, which makes it inaccurate. According to the Fair Credit Reporting Act, I am requesting that you investigate this entry and remove it immediately.

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 2026-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am reviewing my credit report and found an error regarding an account with XXXX XXXX. The report shows this account as a charge-off, but it is still reporting it to my credit, which makes it inaccurate. According to the Fair Credit Reporting Act, I am requesting that you investigate this entry and remove it immediately.

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 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: CO

Complaint narrative:
On XX/XX/year>, multiple unauthorized debit card transactions totaling approximately {$880.00} were made to XXXX ( processed as XXXX XXXX Stake ). These transactions included amounts of approximately {$30.00}, {$50.00}, {$200.00}, {$300.00}, and {$300.00}, all occurring on the same day. I did not authorize, initiate, or approve any of these transactions, nor did I provide my card information or account access to any third party. I discovered the transactions shortly after they occurred and promptly reported them to SoFi on XX/XX/year>. A dispute was filed the same day for unauthorized debit card activity. SoFi conducted an investigation and denied my claim, stating that the transactions were made from an authenticated mobile device, involved biometric or passcode authentication, and were consistent with prior account activity. I disagree with this determination. The fact that a transaction appears to originate from a recognized device or uses stored credentials does not establish that it was authorized by me. I did not knowingly approve these transactions or permit any person to access or use my account or payment method. Additionally, these transactions occurred in rapid succession and in escalating amounts, which is inconsistent with my normal account activity and indicative of unauthorized use or account compromise. I also reside in Colorado, where this platform is not a licensed or regulated sportsbook. This further supports that these transactions are not consistent with my normal or lawful usage patterns and reinforces that I did not knowingly engage in this activity. Under Regulation E, unauthorized electronic fund transfers include transactions initiated without the consumers authority, even if credentials, devices, or stored payment methods were used without permission. I am requesting that SoFi reconsider this claim, properly classify these transactions as unauthorized, and reimburse the disputed amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
b'DoJ IG Employee XXXX XXXX XXXX abused her access by forcing Bank of America Credit Card (member since XXXX) to close and "block" my ZERO balance account for retaliation Torturing (please contact the DoJ IG for details). \n\nI sent US Authorities the XXXX records XXXX from today because I also have a normal email from Bank of America Credit Card on XXXX XXXX XXXXn\nPlease contact XXXX records XXXXXXXX to XXXX XXXX XXXX XXXX XXXX XXXX) because you will notice the BoA Agent stated the "block" was on XXXX XXXX \n\nALL Credit card companies PLAN for denials and "blocks"\n\nNote: Agent XXXX XXXX got caught executing Premeditated Torture which proves the above abuse is retaliating (once again victimizing thousands). \n\nPlease contact BoA for assistance.'

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 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
I am submitting this complaint regarding a collection account reported by Cavalry Portfolio Services , LLC, with an alleged balance of approximately {$10000.00}. On multiple occasions, I requested proper validation of this debt in writing, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). These requests were sent several times by written correspondence. The company failed to provide adequate validation. The only documentation provided consisted of account statements, which do not constitute proper validation of a debt. They have not provided a signed contract, proof of legal ownership of the debt, or sufficient evidence demonstrating that I am legally obligated to pay. Despite this lack of proper validation, the company continues to report this account to the credit reporting agencies, which may constitute a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ), as well as the FDCPA. I have made good faith efforts to resolve this matter, including requesting validation and attempting to address the issue directly with the company. However, they have failed to comply with federal law requirements. I am requesting that this matter be investigated, and that the company either provide full and proper validation of the alleged debt or immediately remove this account from all consumer reporting agencies and cease all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I previously submitted a dispute through the credit bureaus regarding a late payment on my Apple Card account ( Goldman Sachs Bank USA ), but the dispute was denied. This late payment was a one-time incident that occurred in XX/XX/year>. Since then, I have brought the account fully current, and it has remained in good standing with no further issues. I also contacted customer support directly to request assistance, but I was advised to contact the credit bureaus instead, which did not resolve the issue. I am currently in the process of applying for a mortgage, and this single late payment is significantly impacting my credit score and the interest rate I qualify for. While I understand the information may be reported as accurate, I am respectfully requesting a goodwill adjustment based on my otherwise positive payment history and current account status. I would appreciate Goldman Sachs reviewing my account and considering the removal of this late payment as a courtesy. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: KY

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am disputing the accuracy of information you are furnishing to the credit bureaus under FCRA 1681s-2. The account listed is reporting inconsistent and misleading information, including : * Conflicting statuses ( charge-off, late, bankruptcy ) * Incorrect payment history * Failure to properly update after payment Under federal law, you are required to : * Conduct a reasonable investigation * Correct or delete inaccurate data * Report consistent and verifiable information Additionally, under the Truth in Lending Act ( 15 USC 1666 ), I request full documentation of the account and billing accuracy. If you can not verify the accuracy of this account, you must immediately request deletion from all credit reporting agencies. Sincerely, XXXX XXXX XXXX XXXX

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-04-21 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: OK

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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Skrill USA, Inc.
State: FL

Complaint narrative:
I was sent what appeared to be fake letters of Credit Card charge backs. They don't match our records. We the received a Credit card machine in via XXXX. The company would not help me unless I provided SNN and TIN. I did not feels safe. I called my local Sheriffs office. The officer agreed they didn't look real and to get rid of the machine. I filed a incident report then ( XX/XX/year> ). I was contacted by a collection agency for charge backs. Requested information have not heard back. The merchant ID # on charge back do not match my or previous systems numbers that I have on record. They also had the incorrect contact email for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: NC

Complaint narrative:
I am disputing a collection account from XXXX XXXX XXXX for {$790.00} that appeared on my credit report around XX/XX/year>. I do not recognize this debt and have no knowledge of any account with this company or the original creditor. I was never properly notified of this debt or given the opportunity to dispute it before it was reported to my credit report.

Company response to consumer: Closed with explanation