vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I have repeatedly tried to reach out to this attorney via the emails they have provided on their website, and no one contacts me. I have tried multiple emails, all provided by their company, and have not heard a thing. This has been going on for months. I am just trying to negotiate a payoff amount. This attorney has been impossible to work with from the beginning, and I have multiple emails to provide as proof, as well as all of my recorded calls.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Upon looking at my credit report I noticed an unauthorized acct on my report please remove immediately. Thank you

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 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
At the beginning of 2026, I reviewed my credit report and discovered a collection account from LVNV Funding related to XXXX in the amount of {$360.00}. I have not done business with XXXX in more than five years and had never heard of LVNV Funding prior to seeing this account on my credit report. On XX/XX/year>, I mailed a written request to LVNV Funding asking for validation and proof of the debt. I did not receive any response or documentation. I then disputed the account with all three credit bureaus, but the disputes were denied without any proof of the alleged debt being provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
I paid my rental debt before collections and I have court signed documents and the check copy to prove that along with my communication with the management company. This debt collector was very rude and was threatening me stating they dont care what proof I have and that they wont take the false report down from my credit until it is paid off again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: PNC Bank N.A.
State: OH

Complaint narrative:
I am submitting a complaint regarding PNC Bank and the handling of a fraud-related transaction. I was the victim of an impersonation scam in which an individual falsely represented themselves as a PNC fraud prevention representative. I was contacted and led to believe that my account was compromised and that I needed to take immediate action to protect my funds. Under this false pretense, I was instructed to provide sensitive personal information and complete an XXXX XXXX transaction. I completed the transaction only because I believed I was cooperating with legitimate fraud prevention instructions from my bank. At no point did I intend to send money to a third party for personal use, nor did I knowingly authorize a payment to a scammer. I reported the incident to PNC immediately after realizing I had been deceived. I was informed that I needed to wait until the transaction posted before a dispute could be filed, which I did. I have since filed multiple disputes/claims regarding this issue, all of which have been denied. Throughout this process, I have made repeated efforts to cooperate with PNC by providing additional information and following up regularly on the status of my case. Despite this, I have not received a satisfactory explanation of why my claim was denied, nor evidence that the full circumstances of the impersonation scam were properly considered. I also attempted to recover the funds by contacting XXXX XXXX support and the associated merchant contact information ; however, the merchant phone number is no longer in service and XXXX XXXX was unable to reverse or recover the funds. The total amount lost is {$1300.00}, which has caused significant financial hardship.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I am submitting this complaint to report ongoing violations of my consumer rights by TransUnion, Experian, and Equifax under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and related CFPB regulations. Since XXXX I submitted multiple written disputes to all three credit reporting agencies requesting that they mail me all physical, verifiable proof that the charge-offs and collection accounts appearing on my credit reports are accurate, valid, and legally enforceable. My requests specifically asked following information Documentation establishing my ownership and legal obligation for each disputed account Identification of who is verifying the accounts Copies of any contracts, assignments, or forward flow agreements demonstrating the transfer of the alleged debts Evidence that the accounts were properly investigated, not merely electronically verified In response, the credit bureaus have provided only generic statements indicating that the accounts were verified or updated. They have failed to disclose who verified the information, failed to mail me any documentary proof, and failed to provide the substantiating records required to confirm the accuracy and legal status of these accounts. This conduct violates my rights under the FCRA, including but not limited to : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide a description of the procedure used to verify the information, including the name, address, and phone number of the furnisher 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681g ( a ) Failure to clearly disclose all information in my file upon request Merely stating that an account has been verified without providing competent, underlying documentation does not meet the FCRAs requirement for a reasonable reinvestigation. Automated or conclusory responses do not satisfy the law, particularly when I have specifically requested physical proof and chain-of-title documentation, including forward flow agreements. By continuing to report these charge-offs and collection accounts without providing verification or identifying the verifying party, the credit reporting agencies are publishing information that can not be independently verified, causing ongoing harm to my credit profile.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/year>, I received an Apple Card XXXX card from the XXXX XXXX for a trade-in, the amount was {$320.00}. Later, I received a charge for the same amount on my Apple Card from Goldman Sachs. I have disputed, asking why they keep charging me the amount of my gift card? I have disputed this more than five times, with managers telling me that they will fix it. I keep sending the gift card receipt in, and they continue to charge me, ultimately telling me that I have to pay for the amount but they cant explain why it has become a charge. This is an egregious abuse to their clients, to charge them a gift card, then disregard their proof and continue to charge them. I will not pay them for a gift card given to me at the XXXX XXXX, and they can keep their gift card, but I will not pay them and give them this money from my pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I financed a XXXX XXXX XXXX through American Credit Acceptance in XX/XX/XXXX with an original balance of approximately {$14000.00}. Over the life of the loan, I made substantial payments toward the account. Based on my records and payment history, I paid approximately {$24000.00} toward this loan, including principal, interest, and fees. Despite these payments, the account was later voluntarily surrendered due to financial hardship. American Credit Acceptance sold the vehicle on XX/XX/XXXX and later reported that I still owed a remaining deficiency balance of {$9200.00}. I dispute the accuracy of this balance and the calculations used to determine the amount allegedly owed. Given the substantial amount already paid toward the loan compared to the original financed balance, I am requesting full validation and accounting of the debt, including : * Complete payment history * Full accounting ledger * Breakdown of principal, interest, fees, and charges * Auction or sale records showing how much the vehicle sold for * Documentation showing how the deficiency balance was calculated * Verification that all payments and sale proceeds were properly applied to the account I also request investigation into whether the account is being accurately reported to the credit bureaus, including the charged-off amount, past-due balance, and payment history. I am requesting that American Credit Acceptance provide complete documentation supporting the balance being reported and collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am submitting a complaint regarding the handling of my mortgage loss mitigation and permanent home retention review by PNC Bank following a servicing transfer from XXXX XXXX. My loan was transferred while I was actively in loss mitigation with XXXX XXXX. I entered into a trial payment plan with my prior servicer, XXXX XXXX, and successfully completed all required trial payments. My loan was transferred to PNC Bank during this process. PNC accepted my third and final trial payment. After receiving the final trial payment, PNC sent me a Partial Claim Note and Deed of Trust package related to a permanent home retention option. The accompanying correspondence stated that the permanent home retention option would be denied if the correctly executed documents were not received by XX/XX/year>. I signed and returned the required documents on XX/XX/year> via the UPS shipping label provided. However, the same correspondence also contained conflicting payment instructions. One section stated that The payment due in the month following your final Trial Plan Payment must be received prior to XX/XX/year> to remain eligible for the permanent home retention offer. Another section instructed me to complete and return the subordinate mortgage and note and resume making your contractual mortgage payment payable to PNC Bank by XX/XX/year>. Because these written instructions appeared inconsistent, I understood that my required payment resumption date was XX/XX/year> after returning the executed documents. I was later informed by PNC that I had been removed from loss mitigation because I did not make a payment by XX/XX/year>. PNC is now advising me to complete another loss mitigation application and start all over again! At no point did a PNC representative clearly explain that failure to make a payment before XX/XX/year> would result in removal from the permanent home retention review despite the later written instruction to resume payments by XX/XX/year>. I am requesting : Immediate review of my loan servicing and loss mitigation status ; Reinstatement into the permanent home retention/loss mitigation review process ; Clarification regarding the status of my signed Partial Claim Note and Deed of Trust documents ; Confirmation that foreclosure activity will be paused while this matter is under review; and Correction of any improper servicing actions resulting from these conflicting written instructions. I have documentation showing : completion of all trial plan payments, proof that PNC accepted the final trial payment, proof that I returned the executed documents on XX/XX/year>, and copies of the conflicting written instructions from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My account was closed by the institution due to a separate security flag. However, during the account closure process, the bank 's automated system forced an unauthorized retroactive dispute on a completely legitimate, authorized {$2000.00} purchase for a business course. The bank 's automated fraud system placed a hold and forced a retroactive dispute on this specific transaction without my permission, causing the merchant to revoke my course access. Customer service is completely locked out of my closed account and can not lift the hold or reverse the dispute. I demand that the compliance department review this transaction, confirm it was authorized by me, and release the {$2000.00} held balance to me via a physical cashier 's check immediately so I can pay the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: VA

Complaint narrative:
Mariner Finance in XXXX Virginia, XXXX. This Finance Institute sent me a check for {$4500.00} in the mail that was a loan offer that I didn't ask for nor did I want. These checks can cause havoc on someone if they get stolen or cashed without my permission. I did not ask for this loan and I do not want other loans of this type or credit checks on me so they can solicit these offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: RI

Complaint narrative:
I am formally filing a complaint against Portfolio Recovery Associates for not providing information requested. On XX/XX/XXXX I sent a certified letter requesting a debt validation which they received XX/XX/XXXX. I gave a XXXX period to this agency to provide the information requested and I never received a letter or email to this date ( XX/XX/XXXX ) with the proper documents. There's an open account on my credit that has to be removed since they failed to provide the original signed contract. As I am filing this complaint be aware of my INTENT TO SUE if this account is not legally validated or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CO

Complaint narrative:
An original email Request for a payment to a debt of XXXX to be made in a portal. I followed up via email to the listed customer service email requesting validation/verification of the debt mentioned as there is no record of it on my credit. No correspondence. A follow up was sent by me requesting the same information and a cease contact if none could be provided. Another message was sent by them and another request for verification. This latest message requesting the sum supplied none of the verification requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing because I found some accounts on my credit report that I do not recognize. I did not open or authorize these accounts, so I believe this may be an error or something that needs to be reviewed. This is affecting my credit history, so I would appreciate it if you could investigate and remove any accounts that do not belong to me. I would also like my personal information to be updated, as I noticed incorrect names and addresses on my credit report.

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 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been trying to get a refund from XXXX since XXXX as I am unable to reach the merchant the coupon is for. I am only offered XXXX bucks which means I would have to spend more money as its not a XXXX transfer of price. To this day I am still unable to reach the merchant and XXXX wont refund me because I opened a claim with capitol one who is refusing to refund me when I shown time and time again that I am unable to redeem what I purchased and should receive a refund. They have all of this in emails and recorded calls where I was even told by someone there that I should have gotten the refund and its illegal they are keeping it. I am XXXX medically and they are just tossing my account and time around because they do not care. I am not getting any information on the escalations they keep saying theyre doing but Im not getting updates so they say thats my fault when they should be talking to IT and seeing why thats happening. I have proven more than enough evidence to show this is an illegal bait and switch and now Im being ignored by the company since they dont have to legally do anything now they ran their system. They will say they followed the procedure but they did not. They stole my money and refuse to refund me when they know its wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
" On XX/XX/XXXX, I physically deposited a joint IRS tax refund check at a PNC branch. PNC accepted the deposit, but later removed the funds. It has been over 30 days. PNC customer service claims the IRS 'recalled " the paper check but refuses to provide an Image Replacement Document ( IRD ), a charge-back notice, or a legal Federal Reserve return XXXX XXXX. I am trapped in a financial dead-end because the IRS can not investigate without PNCs formal return data. I demand that PNC provide the legal documentation of the reversal and return the check image so I can file an IRS Form XXXX trace. '' I have several email and voice conversations to prove all of the above

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
Please contact XXXX or a representative with GLA at XXXX. Our office hours are Monday through Friday XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Thank you. I was getting phone calls at least every other day. I had to explain to them that they needed to call XXXX. My husband was XXXX when calls started coming. So we had no payment for anything. I never got any letters from the doctors office. I did get a few from GLA. I had called them before but can not remember how much it was for.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sezzle Inc.
State: AL

Complaint narrative:
My rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. . ( switch up the wording up that you understa

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I received a email to make for a one pay credit card in the email stated that it was no needed to run my credit. But got a message for me to unfreeze my credit report before I can apply.No credit check means no credit check

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
My rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation