vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 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: GA

Complaint narrative:
PORTFOLIO RECOVERY ACCT # XXXX I am writing to formally dispute the validity, accuracy, and completeness of the alleged account you are reporting and/or attempting to collect. Under my rights provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation of this alleged debt. Specifically, I demand the following : 1. Account-Level DocumentationProvide documentation that directly ties me to this alleged account, including but not limited to : * A signed agreement or application * Complete account statements * Payment history * Itemization of the alleged balance 2. Chain of Assignment / Chain of TitleProvide a complete and unbroken chain of assignment from the original creditor to your company. This must include proof that my specific account was included in each transfer. 3. Proof of Legal OwnershipProvide evidence that you are the lawful owner of this specific account and have the legal right to collect. 4. Forward Flow Agreement ( if applicable ) If you rely on any forward flow agreement, provide documentation demonstrating how my specific account is included, as such agreements alone do not establish ownership of individual accounts. 5. Authority to ReportProvide proof of your permissible purpose and authority to furnish this account to any consumer reporting agency. Be advised : * A generic agreement, blank forms, or documents that do not identify me specifically are insufficient. * Reporting or attempting to collect without proper validation may constitute violations of federal law, including but not limited to 15 U.S.C. 1681 and 1692. If you are unable to provide the requested documentation, you must : * Cease all collection activity * Remove this account from all consumer reporting agencies immediately Failure to comply will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, as well as potential legal action. This is not a refusal to pay, but a notice that your claim is disputed and must be validated. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX unauthorized account I filed an identity report already .JEFFERSON CAPITAL ( XXXX ) {$1500.00} Opened XX/XX/year> ( VERY recent )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX contacted a third party and left a voicemail on her phone. In that voicemail, they stated my full name and provided an account identification number associated with my account. I did not provide consent for any third-party contact, and I did not authorize the disclosure of any personal or account-related information to anyone other than myself. This communication exposed my personal and account information to a third party without my permission. I have preserved the voicemail as evidence. This incident has caused significant concern regarding the privacy and security of my information. I am requesting that XXXX XXXX XXXX immediately cease all third-party communications, conduct a full investigation into this incident, and provide a written explanation of how this disclosure occurred. I am also requesting confirmation of corrective actions to prevent this from happening again, as well as consideration of appropriate remedies due to this violation. At this time, this issue has not been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I received a statement in the mail ( XX/XX/year> ) saying I owed money to XXXX when I was under the impression that I had called customer service and closed the account on XX/XX/year>. When I called customer service on XX/XX/year> I had an amount due to which I paid in full and I asked customer service representative to close my account. The person confirmed the closure of my account ( XXXX + Reference # XXXX ) and I threw away my card. The issue was " resolved '' over the phone if you need me to get the recordings from them. Unfortunately, they did not send me documentation of the account closing. I was naive to believe it happened. Now I am receiving a {$3.00} interest charge that started on XX/XX/year> from I don't know what. I also don't know how you can continue to have interest on a {$0.00} balance and with an account closed. When I received the statement in XXXX I ignored it because I thought it was a residual statement from the previous month. Then the {$3.00} accrued a {$3.00} late fee. And now I have another statement that says I owe {$9.00} because there's an addition interest charge of {$3.00}, but if it is interest charge wouldn't it be higher than {$3.00}? When I called today XX/XX/year> and talked not only with a customer service representative but also with a supervisor, the supervisor was charging me {$12.00} to include the fee for XXXX. The supervisor would not give up and wouldn't listen to me, he talked over me and did not even know how to answer my questions about my " closed '' account. Will I get a {$3.00} charge forever? This is a very stressful situation not knowing how uncertain this problem is. It is not being resolved and I know I'm not the only one dealing with the issue. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I attempted to get a loan to do some house repairs and was told I didnt qualify for a VA loan because of my credit score. After very little research I discovered there is no credit score requirement for a VA loan. I believe this to be deceptive practices to get a higher rate out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Re : CFPB Complaint Follow-Up Case XXXX I am submitting this follow-up response regarding the companys statement in this complaint. The company asserts that I was properly served because a process server said the person who received the proof of service was me, which was a lie. They gave a physical description of the person who received the proof of service, and that description did not match me, Ive sent proof of my physical description of myself multiple times. I have also sent proof, multiple times of my physical address, where I physically lived during the time of being served. Because the process server was being untruthful 3 years ago just to get paid, my family and I are now facing an eviction. While I understand the court has since set aside the default judgment, I continue to dispute the validity and reliability of the alleged service. Furthermore, despite the courts order to stop garnishment, a wage deduction was still taken from my most recent paycheck. I was informed at my hearing on XX/XX/XXXX, that a release of garnishment would be filed, but this has not yet been reflected, resulting in continued financial harm. I am currently experiencing serious financial hardship, including risk of housing instability, due to continued deductions after the courts order. In total the debt collector has deducted {$640.00} dollars from me, the last deduction was after the courts order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WV

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my student loan account, specifically in relation to Public Service Loan Forgiveness ( PSLF ) tracking and customer service communication. For many years, I have made consistent payments toward my student loans under the understanding that these payments would count toward forgiveness under the PSLF program. However, I have recently been informed that the payment records maintained by your organization are either incomplete or inaccurate, and that a significant portion of my qualifying payments had not been properly credited. I had to pay a secondary company to delve into this, get me the correct information and get it corrected This situation is deeply concerning. Accurate recordkeeping is a fundamental responsibility of a loan servicer, particularly for a program as impactful as PSLF. The failure to properly track and apply my payments undermines not only my financial planning but also my trust in the system. In addition, I have made multiple attempts to address this issue by submitting written correspondence. Unfortunately, I have not received meaningful responses. The replies I have received have been dismissive in nature, stating in effect that the length of time I have been making payments is irrelevant and that my remaining balance still stands as owed. These responses fail to address the core issue : the accuracy and completeness of my payment history and PSLF eligibility. They also had me in the save program and failed to inform me of changes to this program I am requesting the following actions : 1. Complete forgiveness of my loans with removal of them from my credit reports. 2. Counted in the class action law suite against Mohela. This matter has significant financial and personal implications for me, and I expect it to be treated with the seriousness it deserves. I look forward to your timely and thorough response. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
b'I am filing a complaint against Robinhood Markets regarding failure to return my funds after closing my account. I cant access my account anymore and statements cannot be opened to access my full account number because you need to log into app. So I only know last 4 digits of my account which is XXXX.\n\nOn XXXX XXXX XXXX, I requested to close my Robinhood account and withdraw my full balance ($XXXX) to my linked XXXX XXXX checking account. This account has been on file with Robinhood since my account was opened and has been used successfully for deposits over an extended period with no prior issues. The account and routing numbers have not changed in over 20 years.\n\nOn XXXX XXXX, I received confirmation that the withdrawal was initiated. Later that same day, I received a second notification stating that the withdrawal was reversed due to incorrect account information, despite the account details being correct and unchanged.\n\nOn XXXX XXXX, I contacted my bank (XXXX), who confirmed that no transfer attempt was ever made by Robinhood, contradicting Robinhoods claim.\n\nSince XXXX XXXX, I have:\n\n* Sent multiple emails to Robinhood support\n* Attempted to use their online contact system\n* Tried to reach support through all available channels\n\nI have received no meaningful response, only automated replies instructing me to log into my account. However, my account has been deactivated by Robinhood, preventing me from accessing support through their platform.\n\nAs of today (XXXX XXXX XXXX):\n\n* My account remains closed\n* I have not received my $XXXX\n* No check has been mailed\n* No transfer attempt has been made\n* No representative has contacted me\n\nMy email address associated to my Robinhood account is XXXXRobinhood has effectively restricted access to both my account and my funds, while providing no reasonable means of communication or resolution.\n\nI am requesting:\n\n1. Immediate return of my $XXXX via verified bank transfer or check\n2. A clear explanation for the false claim of incorrect account information\n3. Prompt contact from a Robinhood representative to resolve this matter\n\nAdditionally, I am concerned that my funds may be held without justification while accruing interest for the firm, and I request this matter be reviewed for potential unfair or deceptive practices.\n\nNow that my account has been deactivated and I can no longer contact Robinhood through there app or verify any information I will provide two phone numbers to be reached at, as Im insure what number I had listed on fileXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am filing a formal complaint against Affirm regarding a fraudulent transaction that I did not authorize. A purchase totaling {$1400.00} was made through my Affirm account for XXXX XXXX tickets. I did not make or approve this purchase, and I have reported this as fraud. I have already provided the following evidence : Confirmation from XXXX XXXX that the tickets were used by individuals who are not me Police reports documenting identity theft related to this transaction My direct statement that this purchase was unauthorized Despite this, Affirm denied my claim and stated that their decision stands. They also refused to provide any details about their investigation, including : What evidence they relied on How they determined the transaction was authorized Any device, IP address, or verification data used This lack of transparency prevents me from properly disputing the charge and raises serious concerns about the adequacy of their investigation. I am requesting : A full and detailed explanation of how this claim was reviewed and denied All evidence used to determine that the transaction was authorized Any technical data ( IP address, device information, login records ) associated with the transaction Immediate removal of this charge from my account if it can not be properly verified as authorized I am not responsible for fraudulent activity conducted without my consent. I am requesting that this matter be escalated and properly investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Zip Co US Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I made a purchase via Zip ( Order # XXXX ) for {$400.00} with merchant XXXX XXXX XXXX XXXX XXXX XXXX for a service package. The merchant only provided 2 out of 8 agreed sessions. After multiple discussions, the merchant admitted the debt and promised a refund of {$250.00}. To date, the merchant has only returned {$150.00} ( in two separate payments of {$100.00} and {$50.00} ) and is now hostiley refusing to pay the remaining {$100.00} balance. I filed a formal complaint with Zip on XX/XX/year>, and was told the case was escalated to their 'Step Team . ' It has been 9 days since my report, and Zip has failed to provide a Case ID, a status update, or protection for this transaction despite the clear evidence of services not rendered. I am requesting a {$100.00} refund to resolve this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I attempted to have XXXX XXXX file a dispute on my behalf against XXXX XXXX XXXX as I believe they scammed me for a product. I purchased that arrived completely damaged, and I attempted to receive a refund from them to which they continually ignored my emails. And then XXXX decided on their behalf that they were in the right, the amount of the product was XXXX, the dispute was decided and finalized on XX/XX/XXXX, the dispute began sometime in early XXXX., the company XXXX XXXX has an F rating on XXXX XXXX XXXX, and there are many accounts and claims that a similar instance has happened, where they have failed to respond or refund people money. I think the XXXX should have done more research, and I informed them that I was being scammed by the company and that they were as well. But they still agreed with the company unfortunately which is why Im filling this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: DebtWave Credit Counseling, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by a debt consolidation company. The account was enrolled in a debt consolidation program where payments were made directly to the company, and the company was responsible for distributing those payments to creditors. Beginning XX/XX/XXXX, monthly payments of {$160.00} were made consistently to the consolidation company, per the agreement. The company directed that payments should no longer be made directly to creditors and that all payments should be submitted through their program and platform. The company also determined the payment amounts assigned to each creditor. One was $ XXXX per agreement and the other $ XXXX per the agreement. Regardless on the account status when beginning the program, the agreement was a combined total of $ XXXX. Around XX/XX/XXXX, my wife called the company and was informed that accounts may be reported as late if they are considered " past due '' internally. However, almost every payment PRIOR to the program was made on time according to credit reporting. Such condition was never disclosed in the terms of the program and was not communicated at the time of enrollment. Additionally, in XX/XX/XXXX, I confirmed with one of the original creditors ( XXXX ) that the reporting of late payments does not align with the terms and conditions of the account. Disputes were previously submitted to the credit bureaus and directly to the consolidation company. The inaccurate reporting has remained unchanged. This issue involves over 50 late payments being reported that do not reflect the actual payment activity or the structure of the program. This inaccurate reporting is currently impacting an active mortgage underwriting process to seek approval for a home. This is causing financial harm.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD Auto Finance lost my vehicle title during an interstate transfer to Virginia. Without the title, I can not legally register or drive the vehicle in Virginia. The car has been sitting inoperable for over 210 days approximately 7 months going on 8. Total payments made to date amount to {$5500.00}, and continue to accrue while the vehicle remains unusable. During this entire period I have made every monthly payment on time without a single default. I have continued paying for a vehicle I can not legally operate due solely to XXXXXXXX XXXX administrative error not any fault of my own. In a recorded phone call, a XXXX representative admitted they lost the title and were " starting over '' on the process. They refused to provide a tracking number, offered no written confirmation, no resolution timeline, and no compensation for my ongoing loss of use. They have simply expected me to keep paying while they correct their own mistake. As a result of being unable to drive this vehicle, I have had to find alternative means to meet daily obligations including employment, school, and family responsibilities all at additional personal expense. I am filing this complaint while the title remains undelivered and the harm is active and ongoing. I want it on federal record that this is an unresolved, current injury not a historical dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, Citibank closed my account # XXXX. While they issued a partial check for {$16000.00}, they applied an 'Other Debit ' of {$20000.00}, effectively seizing that portion of my balance without a written explanation or legal cause. As shown on my statement for the period of XX/XX/XXXX to XX/XX/year>, this action reduced my balance from {$37000.00} to 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