vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting this follow-up in connection with CFPB Complaint No. XXXX regarding my dispute with XXXX XXXX XXXX XXXX. While XXXX XXXX asserts that the underlying agreement is enforceable under Utah and Illinois law due to contractual choice-of-law provisions, my concerns extend beyond the mere existence of the contract itself. My complaint concerns the overall fairness, servicing, collection conduct, and credit reporting practices associated with this account. I made multiple documented good-faith attempts to resolve this matter before and after default. Specifically, I repeatedly contacted XXXX XXXX seeking a workable repayment arrangement and proposed resolving the matter for approximately {$4000.00} through structured monthly payments of {$400.00}. Copies of those communications were attached in my original complaint XXXX. Importantly, communications from XXXX XXXX reflected settlement discussions and significantly lower payoff figures earlier in the process. However, after charge-off, the asserted balance increased substantially to over {$11000.00}. This dramatic escalation, despite my repeated efforts to negotiate and pay, contributed significantly to my concerns regarding fairness, consistency, and the handling of the account. Additionally, although XXXX XXXX characterizes this obligation as a commercial line of credit, the company also required and utilized a personal guaranty and reported the account to consumer credit bureaus, resulting in substantial harm to my personal consumer credit profile. I respectfully maintain that : * I acted in good faith in attempting to resolve this account ; * XXXX XXXX refused reasonable repayment accommodations; * The post-default balance escalation and shifting settlement positions raise legitimate fairness concerns; * The continued derogatory credit reporting is inequitable under these circumstances. I remain willing to resolve this matter reasonably and in good faith. A fair resolution would include either : 1. Full deletion of the tradeline and discharge of the remaining balance ; or 2. A negotiated settlement consistent with prior settlement discussions, conditioned upon : * Full deletion from all consumer credit reporting agencies; * Written confirmation that the account is fully satisfied ; * Confirmation that no remaining balance will be sold, assigned, or pursued further. Attached are copies of : * XXXX XXXX CFPB response; * My communications attempting to establish repayment arrangements; * Supporting communications reflecting the prior settlement discussions and balance escalation. Thank you for your consideration and review of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: FIRST NATIONAL BANK OF OMAHA
State: MT

Complaint narrative:
I was contacted by an individual claiming that my identity had been compromised and they would assist me with credit monitoring. I spoke with my son after giving them my credit card information as well as my driver 's license. My son believed this to be a scam and contacted the police as well as putting in a dispute with the credit card company and putting a lock on my social security number. The company claimed that I entered their " portal '' creating this credit monitoring account and sent screenshot of this account that I never logged in to. The credit card company denied my claim and stated the scam company had informed me I needed to dispute with them fourteen days after the incident in writing. I never recieved notice of this.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am disputing two derogatory accounts currently reporting on my credit report in the amounts of approximately {$6700.00} and {$310.00}. I do not recognize these balances as accurate and I have not been provided sufficient verification or validation of the debts. The accounts are being reported as seriously past due/collections and are negatively impacting my credit profile. I am requesting that the company provide : * the original creditor name, * the complete payment history, * the date of first delinquency, * signed agreements or contracts, * proof the debt belongs to me, * proof the company has legal authority to collect and report the debt, * and verification that the balances being reported are accurate. If the company can not fully verify and validate these accounts under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, I am requesting the accounts be removed from all credit reporting agencies immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 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: FL

Complaint narrative:
I received a statement from Bank of America requesting payment for item ( s ) purchased in a country I did not visit. I had my back pack stolen on or about XX/XX/XXXX or XXXX, XXXX with telephone, passports, Drivers License cash and all credit cards as well as other items in XXXX XXXX. I reported items to airline and was told they were never found or reported only thing found was a cowboy hat and that was returned to me around end of XX/XX/XXXX. Police was notified when back in US and stated it happened out of their jurisdiction. I sent all this to B of A and they researched it supposedly and one day after my report they stated I said these were my charges. I stated charges from monthly users as pool cleaning, home insurance were valid but nothing in XXXX. They stated the case was closed. I responded 4 times by letter and the same answer. They have reported my credit to the 3 bureaus and have significantly affected my credit that has been in the high XXXX to XXXX all my life since XXXX. I reported this to all Credit bureaus to no avail. These are not my charges and will not pay them regardless but if XXXX is does not reverse their decision and restore my impeccable credit I will have no other choice to sue for significant damages that as of recent has affected my dental business from lowering my credit with a credit card used for material and supply purchases now affecting my income. This is not just a fraud case it is a belligerent avoidance of BoA to provide proof that I personally made these purchases and that I personally made the statement these were my charges in writing with my signature and my purchases with photo evidence it was me. If they can not or refuse to do the following to clear my credit I request CFPB to take significant action against B of A and I will testify under oath of their dereliction and abuse of one of their past clients. I have terminated all business with Bank of America. Bank of America refuses to provide proof of this in now 8 formal requests of providing proof of photo, video, of me making these charges as all companies today have video and photo ability with people making purchases. This happened in another country that I did not visit at the date of supposed transaction.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding unprofessional and disrespectful conduct from a customer service representative at IC System named XXXX, who provided service in XXXX. I am not refusing to pay any debt that may legitimately be mine after proper review and evaluation. However, my concern is the way I have been treated by this representative on two separate occasions. During these calls, XXXX repeatedly interrupted me, did not allow me to finish speaking, and did not listen to my attempts to explain my situation or ask questions. Instead of providing guidance or possible solutions, he dismissively repeated that I should pay and told me to seek financial assistance. I believe consumers should be treated respectfully and allowed to communicate, especially when trying to understand their situation and options. The representatives conduct was unprofessional, dismissive, and made it impossible to have a productive conversation. I am requesting that these incidents be reviewed, including the call recordings if available, and that appropriate action be taken regarding this representatives conduct.

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 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have on numerous accounts reached out to the 3rd party debt collector, Portfolio for debt validation and rights to dispute the debt. I have done this ever since this unauthorized and false debt appeared on my credit report. I dispute this debt and request validation of it under the Fair Debt Collection Practices Act. Now, this 3rd party is taking unlawful legal action to take me to court and make me pay a debt that I do not owe. My identity was stolen and credit has been illegally opened in my name. This has impacted me financially, mentally and emotionally. As due to these false allegations and false identity of credit being opened, it has decreased my credit score and affected me receiving access of credit and a place to stay. This company has not followed the FDCPA law concerning consumer debt and my rights as a consumer. I requested a complete validation and agreements, and they failed to provide it. The debt and the amounts are completely inaccurate. The debt is not mine. The debt is also beyond the statue of limitations, yet this 3rd party is taking illegal legal actions to force me to pay a debt that is not mine. The 3rd party also contacted me improperly, by calling, texting, mailing and emailing me about a debt that is not mines. Portfolio has also reported inaccurate information to all 3 credit bureaus. Portfolio has not produced a signed agreement or chain of assignment. I dispute this alleged debt and requested validation. This company failed to provide sufficient documentation proving I owe the debt or that they have legal authority to collect it. Despite this, they have continued to harass and continue collection activity and credit reporting. I request immediate cessation of collection efforts, deletion of all related credit reporting and withdrawal of any pending legal action. This has created unnecessary ongoing litigation, lack of validation, inaccurate reporting and unfair collection practices. Request dismissal or withdrawal of lawsuit, deletion from credit reports, and cessation of collection activity due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Complaint Narrative On XX/XX/year>, I rented a vehicle through XXXX via the XXXX XXXX program and was required to pay a {$500.00} refundable deposit from my SoFi bank account. I was informed the deposit would be returned after the vehicle was properly returned. I returned the vehicle on XX/XX/year>. After several weeks without receiving my {$500.00} deposit back, I contacted XXXX XXXX. I was told to contact XXXX. XXXX informed me that they released the {$500.00} deposit back to XXXX XXXX on XX/XX/year>. I then contacted XXXX XXXX again. A representative initially told me they attempted to refund the deposit to a card that I did not use or authorize. I explained multiple times that this was incorrect, as the account used for the deposit shows a different card number. After continued follow-up, a XXXX XXXX supervisor acknowledged that the card information previously referenced was incorrect. XXXX XXXX then stated that they had attempted to refund the deposit multiple times, but that my bank was declining the refund. I contacted SoFi ( my bank ) and was informed there were no issues on their end preventing receipt of a refund or deposit from this merchant. Due to the ongoing conflicting information, I initiated a dispute with SoFi. I received a provisional credit, which was later reversed after investigation. I appealed the decision, as I still had not received my {$500.00} refund. On XX/XX/year>, I held a joint call with XXXX XXXX and SoFi dispute representatives. During this call, both parties provided conflicting explanations. XXXX XXXX stated they attempted a refund on multiple dates, including XX/XX/year>. SoFi confirmed that no completed refund was received or successfully posted to my account. At the end of this process, XXXX XXXX maintains that a refund was issued or attempted, while SoFi confirms no successful refund transaction was received. XXXX confirms the deposit was released on XX/XX/year>. Despite this, I remain out of {$500.00} with no traceable refund transaction provided by any party.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I came across a savings bonus offered by Marcus by Goldman Sachs on XXXX XXXX XXXX in XXXX of XXXX. The savings account bonus was for retirement savings for me and my wife. After reading the offer on XXXXXXXX XXXX XXXXXXXX, I went to the offer on Marcus 's web site. Again they had the offer there, and said it expired in XXXX of XXXX. I Enrolled for the bonus program on XXXX XXXX XXXX, well before it expired. The offer was to deposit funds within 10 days of opening the account in which I deposited a total of {$100000.00} by XX/XX/year>, to receive a {$1500.00} Bonus ( hold time was 90 days ). When opening this account, it was a joint account, so they said I need to speak with a agent to read us both the disclosures of a joint account. We were both on the line when the agent read the disclosures and we both accepted and he confirmed the account opening, and as a bonus account. So after waiting well over the 90 days, I did not see the bonus in my account. So I called customer service at Goldman Sachs and the agent said this account was not enrolled in any bonus. they asked me if I wanted to close the account. I said no I wanted to speak to her supervisor to get an answer as to why. She entered a case number and said they would call me. No call came. I am frustrated to no end, What should I do? Seems to me there should be some kind of investigation into this. Thanks, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I am filing a formal complaint regarding PayPals mishandling of my Buyer Protection claim. My dispute involved a foreign thirdparty tracking number ( XXXX ) that does not show delivery by any recognized U.S. carrier. Despite this, PayPal denied my claim twice and repeatedly demanded that I provide an intranet form from USPS. USPS has confirmed that this document does not exist and is not available to customers. PayPal agents insisted that my appeal could not proceed without this impossible document, placing me in a situation where compliance was literally not possible. This violates PayPals own Buyer Protection policy, which requires the sellernot the buyerto provide valid proof of delivery from a recognized U.S. carrier. The seller did not provide such proof, and PayPal improperly shifted the burden of proof onto me. Additionally, PayPal refused to provide an upload link for evidence and denied escalation requests until I contacted the Executive Office. Only after escalation did PayPal acknowledge that the seller must respond by XX/XX/XXXX, but this does not undo the improper denials and unreasonable demands made by multiple agents.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Claimed to be a bank that I have. Asked for my Social Security number, address, name, and date of birth. They knew the exact amount I had in debt and I thought it was actually through the Sychrony Bank I had.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: MO

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account associated with XXXX / Caine & Weiner for approximately {$990.00}. This account was previously removed from my credit report, and I have screenshots showing that it was removed. Later, the same collection account reappeared on my credit report. I disputed the issue and also requested verification of the debt, documentation supporting the account reporting, and an explanation regarding the reinsertion of the account. I did not receive clear documentation explaining the reinsertion process or proof that proper procedures were followed. I am not disputing that the original debt may have existed ; my complaint is about the reinsertion and reporting of this account after it had previously been removed. I am requesting a formal review, documentation supporting the reinsertion, and confirmation that all applicable credit reporting procedures were properly followed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/year>, my vehicle was stolen from my driveway along with my wallet containing Bank of America business debit and credit cards, two cellular phones with full access to banking applications, and one laptop computer. This theft is documented in XXXX Police Department Incident Report # XXXX, dated XX/XX/year>. The report specifically notes that the stolen phones contained full access to financial information and banking applications. As a direct result of this theft, unauthorized transactions in the amount of {$8200.00} occurred on my Bank of America business account. I promptly filed fraud claim # XXXX with Bank of America. I have submitted the complete police report ( Incident Report # XXXX ) multiple times as requested by the bank. Despite these submissions, Bank of America has denied this specific claim, stating that they have not received the documentation. However, other identical fraud claims related to the exact same theft and the same stolen cards have already been approved and fully reimbursed by the bank.

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