vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Atlanticus Services Corporation
State: NC

Complaint narrative:
I reached out to XXXX about my card account. I showed a balance that was less than my credit limit but no credit available. I have been paying my bill this entire time only to find out my account was closed in XXXX of XXXX. I was billed an annual fee as well as Monthly maintenance fees for a closed account. I have asked for these to cease and they are still telling me these fees will be billed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
I am filing this complaint on XXXX XXXX XXXX XXXX XXXX and their reporting and collection of an alleged rental debt that I formally disputed and requested validation for but never received. 

On XX/XX/XXXX, I sent a written debt validation and dispute letter to XXXX XXXX XXXX XXXX XXXX via USPS requesting verification of the alleged debt, including documentation supporting the balance, proof of liability, and account records. I retained a copy of this letter and proof of mailing. 

XXXX XXXX XXXX XXXX XXXX did not respond to my validation request and did not provide any documentation to me verifying the debt. 

Despite failing to provide validation directly to me, the company subsequently verified the account as accurate to XXXX  during a credit bureau investigation. On XX/XX/XXXX, XXXX  informed me that the debt had been verified by the creditor and remains on my credit report. 

I dispute the accuracy and validity of this alleged debt. The collector verified the account with a credit reporting agency without providing validation or supporting documentation to me after my written request. This has caused significant harm to my credit profile and negatively impacts my ability to obtain housing. 

I am requesting that XXXX XXXX XXXX XXXX XXXX : 1. Provide full validation of the alleged debt, including a copy of the lease agreement, complete account ledger, proof of liability, and documentation showing the legal basis for the balance claimed ; or 2. Cease reporting this account to all consumer reporting agencies and delete the tradeline if proper validation can not be provided.

I also request investigation into whether the companys continued reporting without responding to my validation request complies with applicable consumer protection laws.

I am attaching copies of my XX/XX/XXXX validation request and the XXXX  investigation results for reference.

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: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
am writing to follow up and formally escalate my prior complaint regarding my closed Citibank credit card account and unresolved annual fee refund. For reference, the original complaint ID is XXXX. 

In early XX/XX/year>, I contacted Citibank about the {$95.00} annual fee that had posted to my account. A Citibank representative explicitly stated that if I closed the account, the annual fee would be refunded on a prorated basis. I relied on this representation in good faith when deciding to close the account. 

Only after closure did Citibank reverse its position and claim that prorated refunds apply only to downgrades, not closures. This limitation was never disclosed during the original conversation. The issue is not your internal policy, but the fact that your representative communicated something materially different, and I made a financial decision based on that information.

Citibank subsequently offered {$66.00}. This is unsatisfactory for two reasons. First, it does not reflect the representation originally made to me. Second, I have no practical way to access or verify this credit because my account and portal access are closed. Offering compensation that can not be accessed is not a meaningful resolution.

At this stage, the matter includes misrepresentation by a Citibank agent, an inadequate partial remedy, significant time spent pursuing resolution, and lack of clarity on how any funds would be delivered on a closed account.

I am requesting the following : 1. A full prorated refund of the annual fee consistent with what was represented to me 2. Clear delivery of funds via check or ACH to ensure access despite the account being closed 3. Written acknowledgment addressing the discrepancy between customer service representations and actual policy I would prefer to resolve this directly. However, if this remains unresolved, I am prepared to escalate through appropriate consumer protection and regulatory channels.

Please provide a clear response and resolution timeline. 

Sincerely, 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 monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: TX

Complaint narrative:
Security finance manager went to my job and asked me in front of another coworker if I was going to make a payment and that they have been trying to get ahold of me they even called reference I never put.

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: Kriya Capital, LLC
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies.

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company is reporting a collection account on my credit report that I am requesting full validation for. I have not received sufficient documentation proving the original creditor, the full payment history, the date of first delinquency, and proof that this company has the legal right to collect. 

If they can not provide complete validation under the Fair Debt Collection Practices Act and Fair Credit Reporting Act, this account must be removed from all credit reporting agencies immediately.

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

Complaint narrative:
I am submitting this complaint because Bank of America reported my account as delinquent to the credit bureaus even though I never received any notice that a balance was due. 

In XXXX, a recurring XXXX subscription charge posted to my Bank of America Visa account. I did not receive any billing statements, emails, phone calls, or written notices indicating that there was a balance due or that my account was becoming past due. I was completely unaware that there was any balance on the account. 

The first communication I received was a collection notice showing a balance of approximately {$99.00}, plus late fees, interest, and penalties. This was the first time I became aware that there was any issue with the account. I immediately contacted Bank of America once I received this notice. 

During my conversation with their representative, I was told that because I never completed or provided an email address, there was no way for them to send me statements. At the same time, I was told the account was considered enrolled in paperless statements and that it was solely my responsibility to monitor the account. I was told the bank does not have to notify me by phone, email, or mail and that they do not need to provide documentation showing when statements were generated or delivered. 

When I questioned how an account could be considered paperless without a valid delivery method, the representative maintained that this is how their system works and described it as a flawless process designed to prevent issues. My concerns about never receiving any notice were dismissed, and I was essentially told the situation was my responsibility despite the lack of any notification. 

I have maintained excellent credit for many years and would have immediately paid the balance had I received any notice. Instead, I only became aware after the account had accrued fees and was reported as delinquent, which has negatively impacted my credit. 

I am concerned that Bank of America allowed the account to become delinquent and reported negative information despite acknowledging there was no delivery method for statements, and that they did not meaningfully address or investigate my concerns when I contacted them. 

I am requesting that the bank review this situation, explain how the account could be considered properly notified without any delivery method, and correct any negative credit reporting if appropriate.

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 — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control
State: CA

Complaint narrative:
XX/XX/XXXX continental credit control debt collector is charging interest onto a debt owed to a medical office called XXXX XXXX for a claim on XX/XX/XXXX. We have called XXXX XXXX  on XX/XX/XXXX and asked if they authorized interest charge and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
The debt that Portfolio was trying to collect on was settled in XXXX of XXXX through our litigation group XXXX. The collection remained on my account through XXXX of XXXX. On XX/XX/XXXX, I was served a summons on the debt and another on that XXXX was working with them on to settle. In my response to the summons I stated that the debt was not valid since Portfolio had settled the debt with XXXX and it was paid off. As of XX/XX/XXXX, I am waiting to see if I have to appear in court before the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
I received a 1098 with a strange name on it and my daughters name is missing. They were aware of it sent no notices to customers and have refused to send notices guaranteeing our information is safe because they no longer have a mortgage department and the error was from the company who they hired not from them. They refuse to do anything about it.

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC bank issued check from XXXX XXXX XXXX XXXX to lien holder and homeowner for roof replacement. Sent check XXXX to lienholder endorsement along with contract of homeowners new roof replacement. Received check back with lienholders endorsement meet homeowner at local PNC branch where I am also an account holder .. manager has customer endorse check now fully endorsed over to be deposited into my account but they put a hold on it. Return to the bank to question hold in branch phonecalls made hold released. Later only to find check had been removed from deposits and being returned? Check written off of PNC deposited into PNC account not cashed? But yet no funds and deposits cancelled .. and no answers to a resolution just wait on endorsed check to return?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: AZ

Complaint narrative:
I was send a pre-approval. I applied let them check my bank account from XXXX. As I accepted the loan term the message said I was approved, so I moved forward, only to get a message saying I was declined. This is deceptive practices and I want this hard inquiry of my credit ASAP. I work for a large financial company, if we state we approved you then the loan is yours, not oh wait just kidding your now declined. That deception in every form. It violates the truth and lending act. I will pursue this further if this hard inquiry is not removed from XXXX XXXX and whatever other company they pulled from.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
The problem is that on my credit report, all three bureaus say that I defaulted, but my information was stolen. Those people keep calling me and threatening me, and Im tired of it. That account is not mine. How am I supposed to pay for an account I never used? Midland Credit Management ( MCM ) is trying To get money from me XXXX XXXX never sold the account to them

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: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am formally disputing a collections account reported by Caine & Weiner that appears on my credit report. I have no knowledge of this debt, never received notice from the original creditor, and never authorized any collection activity. 
Specific Issues : Unverified Debt : I have never received written validation of the alleged debt, as required under 15 U.S.C. 1681i ( a ) ( 1 ) and 1692g of the Fair Debt Collection Practices Act. 
Failure to Verify : The reporting agency has not provided any method of verification, including the name of the original creditor, account documentation, or proof that I am responsible for this debt. 
Unauthorized Reporting : Because the debt is unverified and not recognized, continued reporting constitutes a violation of the FCRA ( 15 U.S.C. 1681i ) and may be misleading to third parties. 
Requested Actions : I demand that the credit bureaus : Contact Caine & Weiner and require full verification of the alleged debt, including the original account number, amount owed, date of account origination, and proof of my liability. 
Remove the collection from my credit report if verification can not be provided within the 30-day statutory period.

Provide written confirmation of any corrections or deletions made.

Add a dispute notation while reinvestigation is pending, consistent with 15 U.S.C. 1681i ( c ). 
Supporting Documentation : Copies of my credit report showing the Caine & Weiner account Any correspondence sent to or received from the collection agency ( if applicable ) Proof of identity and address Impact Statement : The reporting of this unverified collections account has materially harmed my creditworthiness, potentially impacting my ability to obtain housing, loans, and other financial services.

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 sue you for very old debt
Company: Lewis, McDonnell & Associates
State: CA

Complaint narrative:
This collection appeared very mysteriously on my credit profile. I have no knowledge of this debt. This company is very secretive and I had to research them to find out they are part of a company in California known as McDonnell and Associates, who has been ordered to desist and refrain. ( XXXX XXXX XXXX XXXX XXXX XXXX ) Additionally, this debt is over ten years old, there has been no attempt to collect upon it, and the statute of limitations has passed on the collection of this debt. I would like this collection removed from my credit report on all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: PA

Complaint narrative:
I opened a dispute with my bank of XX/XX/XXXX, I returned 3 items to the store in person under their return policy on XX/XX/XXXX. The store accepted the return and issued a full refund receipt, voided voucher and email confirming the refund. 
All the documentation was sent to the bank to support my claim on XX/XX/XXXX. 
The claim was denied so I called to reopen the case for a second review on XX/XX/XXXX, until now I dont have any updates about the reopened case.

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: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing XXXX  file a formal complaint against Venmo regarding the closure of my account XXXX  the holding of my funds. 

On XX/XX/year>, Venmo closed my account, stating that transferring my money XXXX  my linked bank account was against their rules XXXX  regulations. I do not understand how transferring my own funds XXXX  my bank account violates their policies. 

At the time my account was closed, I had a remaining balance of {$930.00}. When I contacted Venmo XXXX  request access XXXX  withdraw my money, I was informed that I must wait XXXX  days before the funds can be released. 

This situation is extremely urgent. The {$930.00} being held is needed for my sons medical treatment, XXXX  this is a life-XXXX-death matter. I can not afford XXXX wait XXXX  days XXXX  access my own money. 

I respectfully request that the CFPB investigate this issue XXXX  assist me in recovering my funds as soon as possible. 

Thank you for your time XXXX  attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Ive tried nonstop XXXX  close my account in person XXXX  on the phone many times. They keep over charging me XXXX  really messing my XXXX XXXX up. I feel targeted XXXX  that they are defaming me.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was an authorized user on a card for Bank of America. It is closed XXXX  reporting on my credit. And I am not actually responsible for the debt. I ask that it is 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 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX made XX/XX/year> in the amount of {$1100.00}. 

The package arrived opened XXXX  retaped, with the contents replaced. The merchant refused XXXX  honor a replacement XXXX  asked me XXXX  open a dispute with my credit card. I have provided proof, including emails XXXX  call logs with the merchant, photos of the outside XXXX  inside of the package, XXXX a confirmation of receipt of tampered package by my building 's concierge signed by the building 's management office. 

There is no other proof XXXX  provide, XXXX  it is mind boggling XXXX  me that my credit card company is holding me liable for a stolen package, especially when the merchant asked XXXX  open the credit card dispute. 

I have been a XXXX loyalty member for many years ( including XXXX levels XXXX and XXXX the past XXXX  years ), have XXXX points, XXXX  travel constantly for work XXXX  pleasure on XXXX XXXX This is, frankly, unacceptable, XXXX  I should not be held liable for what is provably a tampered package with stolen contents.

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