vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Asset Recovery Bureau LLC
State: AZ

Complaint narrative:
I am filing this complaint because Asset Recovery Bureau ( XXXX ) is engaging in deceptive and harassing communication tactics in violation of the FDCPA. Specifically : Unauthorized Third-Party Contact : The company has repeatedly contacted my mother, a third party, despite having no legal reason to do so. Under 15 U.S.C. XXXXb, collectors may only contact third parties to confirm " location information. '' These calls go beyond that by leaving vague, high-pressure messages regarding a " personal matter '' intended to cause alarm and pressure the third party to act on their behalf. 
Failure to Disclose ( XXXX ) : In the voicemails left ( transcripts attached ), the caller " XXXX '' fails to identify himself as a debt collector or state that he is attempting to collect a debt. This is a direct violation of 15 U.S.C. XXXX ( XXXX ). 
Deceptive Tactics : The caller uses the phrase " personal matter '' and " requires your response '' to my mother. This creates a false sense of urgency and is a deceptive means to collect a debt by involving family members in a private financial issue. 
Lack of Validation : I have not received a written validation notice from this company as required by 15 U.S.C. XXXXg.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/year> ], I deposited {$700.00} in person at a check cashing location using government identification. The funds were accepted and later confirmed by the company as available, with a written balance confirmation. 
Shortly after, my account was restricted and I was unable to access or use my funds. I contacted the company multiple times and was given inconsistent explanations, including references to an alleged negative balance that I dispute and do not owe. 
During this time, I received automated emails stating that my account issue had been resolved and confirming my balance. I also later received an email stating that my card was blocked as reported stolen, which I did not report. Despite these conflicting notifications, my funds remained unavailable and no clear explanation or resolution was provided. 
I was told the issue had been escalated and that I would receive a same-day callback with instructions to access my funds. That callback did not occur. I followed up the next business day and was again routed through customer service without resolution. Calls were disconnected when I requested escalation or a supervisor. 
I was later informed that electronic disbursement could not proceed due to account verification and that release by paper check would be required. However, I have been unable to reach anyone with authority to issue the check or provide a timeline, despite repeated attempts and reference numbers. 
As of today, my funds remain unavailable. I am experiencing financial hardship, including housing and family obligations, due to the companys failure to release my money or provide clear information. 
I am requesting immediate release of my funds by paper check and a written explanation for the delays, missed callbacks, and escalation failures.

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 2026-01-23 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Citizens Bank opened a fraud claim on XX/XX/year>. A provisional/precision credit was promised within 24 hours. I was given conflicting information by multiple representatives and am now receiving only generic responses or no response. All steps were completed, including card activation. The delay is causing financial hardship and no written reason for delay has been provide. I have called multiple times and spoke to XXXX different people all giving me different information

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: Source Receivables Management LLC
State: IL

Complaint narrative:
On XX/XX/year> a collection was placed on my credit report inaccurately. My rights are being violated, according to 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 they provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect they must cease all collection efforts and remove the information from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: DISCOVER BANK
State: TX

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

All I have received so far from both the creditor and debt collector is a summary of loan charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 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: TX

Complaint narrative:
In XX/XX/year>, while on vacation in XXXX XXXX, I used my Bank of America XXXX XXXX card to pay for taxi. Being in XXXX XXXX, my antenna was up to protect against fraud. Consequently, I asked the taxi driver for a receipt. However, he said he couldnt issue me a receipt. Meanwhile, he didnt ask for my signature for me to validate the transaction. I became suspicious and went online to check the transaction when I got out of the taxi. I noticed that {$470.00} had been charged for the ride that cost less than {$10.00}. I immediately called Bank of America to dispute the transaction but I was told nothing could be done until the pending transaction cleared. When the transaction cleared, I called the bank back to dispute the charge. However, Bank of America says that they cant do anything about my claim since I dont have a receipt to prove the correct charge. I explained to Bank of America that the lack of receipt is the very reason that made me call them to decline the charge- the taxi driver overcharged me and refused me a receipt when I asked for it. Although I suspected fraud, there was nothing I could do to protect myself except to rely on Bank of America. Unfortunately, Bank of America is saying that I need to provide the receipt I was denied to make the overcharge possible for them to decline the merchant charge. I escalated the matter within the bank but they said I must seek recourse outside the bank. I think banks should do more than requesting receipts to address situations like this. Without that, especially international merchants can keep defrauding Americans, knowing they can get away with it. Overcharge for a legitimate service and refuse to issue a receipt and keep the money. That is just wrong.

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 2026-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
XXXX called from one main financial because I needed a personal loan. I was approved right away for XXXX. So upon reaching the end my XXXX XXXX was low so I needed XXXX  a insurance deposit of XXXX. I didnt have it. No XXXX  said anything about me paying this to the very end. This XXXX is my first time requesting a low so I did pay it though my XXXX  account. So everything is good. My loan XXXX said they wouldn't any more money I needed to provide them. XXXX broke about to be homeless. So they transfer me to XXXX XXXX  that was handling my account. Guess what boom they wanted XXXX hundreds because XXXX  taxes or something. Stupid me I paid it. Then boom oh there a red flag on your social security number and we cant process at this time but for XXXX we can. At that point I knew I was being frauded. Call my loan XXXX crying. Saying you said no more money I needed to provide. I want my all my money back this is crazy. He said sorry I will send a cashiers check to my house this XXXX  evening. Don't you know when he transfer for me the financial department XXXX  you to activate the check i needed to pay another XXXX XXXX.... I immediately hung called back my loan XXXX and said I want all my monies XXXX  guys are scamming me told him about the extra XXXX. He came back on the line and tried to say he paid XXXX I have to pay the other XXXX when he absolutely knew he just took all money. I XXXX  even pay my rent. Just cruel and horrible. I need to recoup XXXX going to XXXX  homeless. I gave them and my family and friends everything I had. XXXX so embarrassed I fell for a frauded company. Never again. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
I got an alert this morning from XXXX XXXX that advised that I had a debt placed on my credit in the amount of {$1000.00} from XXXX XXXX XXXX XXXX XXXX as of today date I have never received a bill nor a notification of this debt in order to pay it this is a result of not receiving the bill in order to pay the bill you have to receive the bill as of todays date I have no idea why I am in collection nor did I ever receive the right to dispute this bill you can not put a collection on a person credit without validation of debt and as of todays date that has never been the case XXXX XXXX  XXXX has violated the fair credit reporting act of the consumer bypassing the consumers right to dispute and validating the date therefore violating the fair credit reporting act of a debt and immediately putting it on the consumer credit file without their knowledge or giving the consumer the right to dispute and not validating the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Quick Debt Services LLC
State: MD

Complaint narrative:
Robocall from a no existing number on several occasions claiming it is an attempt to collect a debt. XXXX below : This message is solely intended for. XXXX buying next. File number. XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I am calling on behalf of document delivery services. We have been retained to schedule and deliver legal documents between the hours of XXXX AM and XXXX PM at either your home or your place of employment. Will be making only XXXX attempts to deliver these documents. Which will require a signature as proof of delivery. If we are unable to deliver these documents after XXXX attempts, it will be classified as a failed action to serve, which will result in the pending matter to proceed further without your consent. If you have any questions or if you need to reschedule this delivery, you will need to contact the office directly at. XXXX. And reference your file number. Please be advised this call has been logged and submitted as proof you have been notified of this pending legal matter. Have a good day.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding credit reporting and payment processing issues with my federal student loan servicer, Aidvantage. 

I had autopay established with Aidvantage and was making recurring payments on the majority of my federal student loans. XXXX was active for XXXX of my XXXX loan groups, and I reasonably believed all loans were included. 

In late XXXX, I discovered that XXXX loan groups were not included in autopay due to a servicer configuration issue, which resulted in missed payments. I was not aware these loans were excluded from autopay at the time. 

Upon discovering the issue, I immediately made a payment to bring the affected loans current in full and corrected the autopay settings so all loan groups were properly enrolled. My account is now current and in good standing. 

Despite this, Aidvantage reported the XXXX loan groups as XXXX  days delinquent to the credit bureaus. I submitted a formal written request to Aidvantage for a XXXX XXXX XXXX and goodwill adjustment, providing documentation of autopay enrollment and proof that the account was brought current promptly. Aidvantage declined to adjust the credit reporting, stating the reporting was accurate. 

I have also disputed the reporting with the credit bureaus. I believe the delinquency reporting does not fairly reflect the circumstances, given the servicer autopay configuration issue, my good-faith intent to pay, and my immediate corrective action once the issue was discovered. I am requesting regulatory review of XXXX handling of autopay enrollment across multiple loan groups and the resulting credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX  XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: PA

Complaint narrative:
I am filing a formal complaint against PayPal and XXXX for deceptive business practices and failure to rectify an unauthorized {$150.00} XXXX fee ' ( Case XXXX  XXXX ). 

The Incident & Merchant Admission : On XX/XX/year>, I was a victim of 'Vomit Fraud ' by a XXXX  driver in XXXX XXXX XXXX I immediately provided evidence ( bank timestamps and photo metadata ) proving I was not in the vehicle at the time of the alleged mess. XXXX  support agents XXXX and XXXX confirmed in writing that this was a 'false report, ' stating they 'issued a refund ' and that my money would remain 'intact '. 

The Deception : Despite the merchant 's written confirmation that the fee was voided, PayPal closed my initial dispute in the seller 's favor on XX/XX/XXXX, claiming the merchant proved 'service was rendered '. This is a blatant lie as the merchant explicitly told me they were not collecting these funds. 

Current Status : On XX/XX/year>, XXXX agent XXXX confirmed via email : 'we have issue [ the refund ] from our part '. However, PayPal has processed a 'Notice of Debit ' for {$150.00} and has misclassified my new dispute ( XXXX XXXX as a 'canceled recurring payment '. 

Demand : Under the Electronic Fund Transfer Act ( XXXX ), I demand an immediate reversal of this fraudulent {$150.00} debit. PayPal is neglecting the merchant 's own official release of funds, and XXXX is providing conflicting information to a financial institution versus the consumer. 

I am providing further evidence of PayPal 's gross negligence and misleading communication during this process : False Assurance : On XX/XX/year>, PayPal XXXX XXXX explicitly assured me : " I have gone ahead and cancelled the billing agreement and I assure you that you will not be billed for it '. Despite this official assurance, PayPal processed the {$150.00} debit on XX/XX/XXXX. 

Contradictory Statements : While XXXX department claimed the case was closed in the seller 's favor because 'service was rendered ', another agent ( XXXX ) stated on XX/XX/XXXX that the refund was already 'successfully sent back to your PayPal XXXX XXXX XXXX XX/XX/XXXX. 

Systemic Failure : PayPal 's internal departments are providing conflicting informationone claiming a refund was sent, another claiming a debit is requiredwhile entirely ignoring the merchant 's ( XXXX ) own confirmation that the charge was based on a 'false report '. 

Willful Ignorance : I repeatedly provided screenshots of XXXX 's cancellation in the chat, yet agents continued to ignore this XXXX XXXX ' evidence, forcing me to spend over XXXX  days in a circular and fruitless dialogue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: WA

Complaint narrative:
XX/XX/XXXX : XXXX XXXX XXXX billing statement issued showing a balance of {$960.00}. 

XX/XX/XXXX : I submitted a written dispute and request for debt validation to Credence Resource Management under the FDCPA. 

XX/XX/XXXX : XXXX  responded by sending a generic XXXX XXXX XXXX billing statement that only restated the alleged balance of {$960.00} and did not include any proof that I owe the debt or that XXXX  has authority to collect it. 

XXXX  did not provide any contract, agreement, usage records, itemized charges, or proof of assignment. The account remains disputed and unvalidated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I made XXXX separate purchases at XXXX XXXX using my Chase credit card. The XXXX  purchase was for a mattress and bed frame totaling {$1300.00}, and the XXXX  purchase was for sheets totaling {$65.00}. 

Prior to making these purchases, I activated a Chase offer for XXXX percent cash back that is valid only on the XXXX  eligible purchase. Knowing this limitation, I intentionally completed the more expensive transaction first. As shown in the attached confirmation emails, the {$1300.00} purchase was completed at XXXX p.m., and the {$65.00} purchase was completed later at XXXX p.m. 

My attached credit card statement further confirms the purchase order, as it shows the {$1300.00} transaction posting before the {$65.00} transaction. Despite this, Chase incorrectly applied the XXXX percent cash back offer to the XXXX  purchase of {$65.00} rather than to the XXXX  purchase of {$1300.00}. 

This application contradicts the express terms of the offer, which state that the cash back applies to the XXXX  purchase. In this case, the XXXX  purchase was clearly the {$1300.00} transaction. 

I contacted Chase multiple times to resolve this issue, including calls on XX/XX/year> at XXXX p.m. and XX/XX/year> at XXXX p.m. During both calls, I was assured that the matter would be investigated and resolved within XXXX business days from XX/XX/year>. That time period has passed, yet Chase has neither corrected the cash back application nor provided any update on the status of the investigation. 

I am requesting that Chase honor the terms of the offer by correctly applying the XXXX percent cash back to the {$1300.00} purchase and provide confirmation of the resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I saw a legal hold on my bank account, so i contacted my bank to know what that was about. The bank gave me a XXXX XXXX XXXX phone number to contact. When i reached out to them on the XXXX of XXXX, they told me they had a court order to garnish my account for a total of about {$1700.00} for a paypal account ( which i had over XXXX ago ) that was not paid and that i can sign a document so they can take the money in my account at that moment and make a payment plan for the rest of it. I told them i would call back at a later time, so no documents was signed. I called the court that made the judgement and i was told they served me to appear in court XX/XX/year>, i never received any serving or signed any document to that effect and that i could check this website for XXXX court ruling, XXXX. As of today, my account is still on hold and i cant take care of my bills due to this. I received a letter from the XXXX XXXX XXXX on the XXXX of XXXX stating that they received payment that i never signed off to.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WY

Complaint narrative:
The furnisher has confirmed in writing that it closed its file and terminated collection activity, yet XXXX  continues to report the account as verified without providing documentary proof or conducting a reasonable reinvestigation.

Company response to consumer: Closed with explanation