vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
I am formally disputing a collection account that your agency has placed on my credit report without providing me any prior notification or communication. This is the first awareness I have had of this alleged debt, and I have significant concerns about whether this account is accurate or even belongs to me. Under the Fair Debt Collection Practices Act, I have the legal right to receive complete verification and documentation of any debt your agency is attempting to collect. I am exercising this right and demanding that you provide full validation, including the name of the original creditor, the total amount claimed, and documented proof that I am legally obligated to pay this debt. All collection activities and credit reporting must stop immediately until proper validation is furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account with an impossible negative balance of - {$1100.00}. A collection account can not legally report a negative balance. 

Additionally, the account remarks state dispute resolved ; customer disagrees, yet no proper verification documentation has ever been provided to me as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

This inaccurate reporting is damaging my credit profile and violates federal credit reporting laws. I have disputed this account with XXXX, Equifax , and XXXX  I am requesting immediate deletion of this account from all consumer reporting agencies due to inaccurate balance reporting and failure to properly verify the debt. 

Please provide written confirmation of deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Dear equifax , I recently my credit report and noticed a collections account on me consumer report # XXXX. This account has been deleted in XXXX XXXX. It was originally reported by the debt collector XXXX and after they found they had not authority to collect they deleted the collection account. They have now sold it to XXXX XXXX XXXX. Under the FCRA laws this is illegal. I also was never notified or given a 5 day business notice before reinsertion. Please delete this permanently/immediately and compensate me {$1000.00} per violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: Block, Inc.
State: MO

Complaint narrative:
The company told me my account was closed due to fraudulent activity and that information is not true.I only used my card for direct deposit of pay check and to my rent and my bills and I appealed the decision XXXX times and they denied me and they will not tell me what fraudulent activity was found.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
last week I called the bank and my account and social had XXXX XXXX  in the saving and XXXX in XXXX XXXX XXXX the branch XXXX of XXXX XXXX branch is working with the XXXX XXXX to get away with fraude after I asked XXXX XXXX she wasn't going to help me and there was n o reason she gave.... XXXX have to hurry up and submit this for the XXXX has damaged electricity in the city and the elecricity is " jumping '' also I think the monwy might be from an ACH account that I have thsat pays me. all calls are directed to XXXX and 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 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
We moved out of an apartment complex and turned in our keys even though they moved up our move out date and we had very little time to move out. Theyre claiming that we owe them {$950.00}. We dont owe them any money at all. 

National Credit Systems added the debt to my credit report, which caused us to be homeless for 9 months. Were victims of XXXX XXXX and we need to move for our safety but no one will rent to us because of this false debt on my credit report. They keep removing it off of my credit report and putting it back on because they know its a scam and a false debt. 

There is a high turnover for the apartment XXXX and staff at this apartment complex. Who ever lied about this debt doesnt work there anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX contacted me regarding a XXXX  account. I sent a formal debt validation request via Certified Mail (Receipt XXXX XXXX XXXX XXXX XXXX XXXX) which they received on XXXX XXXX, XXXX. Per XXXX  U.S.C.  XXXX(b), a collector must cease all collection activity until they provide validation. XXXX  has failed to provide any documentation. \n\nI am filing this complaint to ensure XXXX  does not place an unverified, illegal trade line on my credit report and to compel them to provide the original contract and chain of title as required by law.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Calls and texts and email trying to get me to pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
Im filing this complaint regarding Affirms refusal to properly resolve a dispute for items I never received. 

In XXXX, I made a purchase from XXXX XXXX XXXX using Affirm as the payment method. The items were intended for XXXX. I never received the merchandise. 

I contacted XXXX XXXX XXXX to report the non-delivery. They instructed me to dispute the transaction directly with Affirm, which I did. I submitted the dispute twice, clearly stating that the items were not received. 

Despite this, Affirm has repeatedly stated that I am still obligated to pay the remaining balance of the loan. XXXX sporting goods claimed I used incorrect information at checkout, which is not true, and no proof has been provided to support this claim. I never received the items and therefore should not be required to pay for them. 

I believe Affirm failed to conduct a reasonable investigation into my dispute and is improperly attempting to hold me responsible for merchandise that was never delivered. As a result, I have now disputed the transaction with my bank because I should not be forced to pay for items I did not receive. 

I am requesting that Affirm correct this matter by canceling the remaining balance associated with this purchase and ensuring I am not negatively affected for disputing a transaction involving non-delivery of goods. 

It is unfair and improper for a financing company to require payment for goods that were never received, especially after the dispute was timely submitted and the merchant directed me to resolve the issue through Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: ID

Complaint narrative:
I am filing this complaint regarding PayPals handling of an unauthorized recurring billing dispute and PayPals refusal to allow me to submit additional evidence or communicate critical escalation details. 

Beginning in XX/XX/year>, my PayPal account was charged repeatedly by a merchant listed as XXXX, XXXX/ XXXX XXXX for a subscription I did not knowingly authorize. Charges were {$29.00} monthly, and in several months the merchant charged more than once in the same billing cycle. There were also additional {$1.00} charges associated with a trial period. 

I contacted the merchant to cancel and request a refund. The merchant eventually confirmed cancellation and refunded only the most recent charge, while refusing to address the earlier unauthorized charges totaling {$480.00} ( XXXX charges ). 

Critically, after cancellation and refund confirmation, the merchant continued attempting to process automatic payments and presented an outstanding balance as owed. This demonstrates that the billing agreement was not properly terminated and that unauthorized billing attempts continued during an active dispute. 

These unauthorized charges caused my XXXX checking account to overdraft by approximately {$300.00}. I was unable to recover the account balance, and XXXX closed the account as a direct result of these charges. 

I opened a dispute with PayPal for unauthorized recurring charges. However, PayPal has restricted my ability to submit additional evidence or communicate these continued billing attempts and financial harm through the app or dispute interface. 

I am requesting that PayPal : Conduct a manual review of the dispute Accept and review evidence of duplicate charges and continued billing after cancellation Acknowledge the financial harm caused Provide appropriate reimbursement and resolution consistent with PayPals buyer protection obligations PayPals failure to allow submission of material evidence has prevented fair resolution of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Guild Holdings Company
State: NE

Complaint narrative:
So I had to share my XXXX account and my bank account with Guild Mortgage. They are now telling me they don't know how to work their own website that requests permission to view my accounts. I had to resend XXXX  times. Then they asked which accounts did I share? They literally asked for my bank accounts and they can't remember what accounts they needed within a XXXX hour period. I viewed the permissions granted and I sent screen shots emails pictures and I get the run around with confusing lingo. And I get feed back of " OH well you said this a while back '' or " you didn't want to do that '' yet they just ask for the same info every time we talk. Literally the exact same info yet zero results zero progress. I have had no progress on the closing process. It's causing me financial hardship, and a massive amount of stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Company : JPMorgan Chase Bank , N.A . ( Chase ) My Name : XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Product : Chase Freedom Credit Card Complaint Narrative : I am filing a formal complaint regarding improper interest charges totaling {$540.00} that were assessed on my Chase Freedom credit card as a direct result of Chases internal processing delays, incomplete guidance, and operational failure related to a consumer-initiated balance transfer. 
I acted diligently and in good faith at all times. I initiated payment using a Chase-issued super check and contacted Chase repeatedly XXXX in XXXX and XXXX, and again on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and XXXX, to ensure the payment or balance transfer would be properly applied and to avoid interest charges. I provided the super check number and all requested information before interest was triggered. 
Despite these efforts, Chase failed to inform me in a timely manner that the super check required in-branch submission in order to be processed. This critical information was only provided much later. As a direct result of Chases delay and lack of clear instruction, I was unable to complete the transaction until XX/XX/XXXX, after interest had already accrued. 
The interest charges {$160.00}, {$180.00}, and {$190.00}, incurred across XXXX and XXXX caused entirely by bank error, not consumer inaction. 
I escalated the matter to Chase Executive Customer Relations. While I received a phone call, Chase failed to provide a written determination or formal response, despite my explicit request. Due to the lack of written resolution, I escalated further to the Office of the Comptroller of the Currency ( OCC ). 

I am requesting : Full reversal of all improperly assessed interest XXXX and XX/XX/2025 ( {$540.00} ) Correction of my account history Written confirmation and formal determination I have been a Chase customer for over XXXX years, with checking and savings accounts and multiple mortgages ( past and present ), and a long history of responsible account management. I am seeking fair resolution and accountability for a clear operational failure that caused consumer harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am the victim of identity theft. In XX/XX/year>, I submitted a valid FTC Identity Theft Report and supporting identification to XXXX. As required under FCRA 605B ( 15 U.S.C. 1681c-2 ), XXXX  removed and blocked XXXX fraudulent XXXX credit card accounts, which do not belong to me and were never authorized by me. 

Despite receiving a written request to permanently block future re-reporting, XXXX  reinserted the same fraudulent accounts approximately XXXX weeks later. When I contacted XXXX, they could not provide any lawful reason for the reinsertion and improperly demanded that I re-file another identity theft report. 

This conduct violates the FCRA because : 605B requires permanent blocking of identity-theft accounts once properly reported, unless the report is proven fraudulent or inaccurate. 

Transunion failed to provide any written notice, explanation, or evidence justifying reinsertion, as required by law. 

A consumer can not be required to repeatedly file identity theft reports for the same fraudulent accounts once a valid report has been accepted. 

I have now filed a second FTC Identity Theft Report and re-uploaded it to XXXX  solely due to XXXX noncompliance. 

Requested resolution : Immediate removal and permanent blocking of the XXXX XXXX accounts from my credit file, and written confirmation that they will not be re-reported.

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America all of a sudden closed my online banking they kicked me out of all my debit cards with no reason to no explanation they would not allow me to withdraw my funds from the bank itself when I went in. They said theyre going to send me a check within 7 to 10 days. All my money is in that account and I need that money. I dont have 7 to 10 days to wait for that money, I should be able to have that money withdrawn from my bank account legally, especially without giving me a reason why I was kicked out of the bank and why I was not allowed to withdraw.

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 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlantic Recovery Solutions LLC
State: CA

Complaint narrative:
I am filing this complaint to report a coordinated scheme to illegally collect on a debt that was extinguished by a binding Settlement Agreement. I possess documented proof of this fraudulent activity.

The evidence establishes an unlawful sequence : 1. XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) sold the debt ( XXXX  # XXXX ) to XXXX XXXX XXXX XXXX XXXX ( " XXXX  '' ) via Bill of Sale.

2. XX/XX/XXXX : I entered into a Settlement and Resolution Agreement with XXXX, the lawful owner at that time. Section 2.A of this contract explicitly prohibits XXXX  from reselling, transferring, or reassigning the account. 
3. XX/XX/XXXX : I received a collection notice from Atlantic Recovery Solutions, which states it is collecting this same debt on behalf of XXXX. 

This timeline is legally impossible. For XXXX to now be the creditor, XXXX must have violated Section 2.A of our Settlement Agreement by transferring the debt back to XXXX after XX/XX/XXXX. This constitutes a material breach of contract by XXXX. XXXX 's participation in re-acquiring a settled debt is fraudulent and deceptive. 

XXXX XXXX XXXX 's prior response to the CFPBclaiming they had " closed the debt '' was materially incomplete and misleading. They deliberately omitted their breach of the settlement 's " no transfer '' clause, which is the direct cause of the new collection effort. This pattern indicates a debt-churning scheme, where settled debts are illegally resold to restart collection. 

LEGAL PROTECTION STATEMENT : This complaint addresses only the post-settlement breach of contract and fraudulent collection activity. It does not dispute, reopen, or seek to renegotiate the original debt, which was fully resolved by the attached Settlement Agreement. My obligation under that agreement not to file complaints was nullified by XXXX 's prior material breach.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I believe [ XXXX XXXX ] is engaging in deceptive data harvesting practices under the guise of legitimate personal lending. I am disputing their repeated denial of my application ( Application ID : [ Application ID ] ) for " Unable to verify income '' as a pretext for data collection. 
Pattern of Deception : Aggressive Data Fishing : In XXXX and again in XXXX, I applied for a modest loan amount. The lender used bait-and-switch tactics, promising a " rapidly approaching funding date '' and aggressive phone calls to extract highly sensitive data : personal bank login credentials via " Decision Logic, '' payroll stubs, and paper bank statements. 
Highly Irregular Demands : Most alarmingly, a loan processor demanded I alter my legal banking status by removing a " Payable on Death '' ( POD ) designation from my accounts to proceed. This is an estate planning designation and has no relevance to income verification. 
Boilerplate Denials/FCRA Violations : Despite submitting all requested data and complying with invasive demands, the lender immediately sent a boilerplate denial email ( " Unable to verify income '' ). When I called for clarification, representatives instructed me to re-apply and change my application details ( e.g., employment type ), suggesting they never intended to approve the loan based on my real data. 
Misdirection : When I followed up on the Adverse Action Notice, representatives deflected responsibility to third parties like XXXX/Credit Bureaus , who deny providing the denial reasons. 
My Requested Resolution : I request a full investigation into [ Lender Name ] 's business model to determine if they are engaging in Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ). I demand they immediately cease all attempts to solicit me for new loans, provide a detailed, lawful explanation for the income verification failure, and confirm the permanent deletion of my banking credentials and payroll information from their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: PA

Complaint narrative:
I am filing this complaint due to continued violations of the Fair Credit Reporting Act by the credit reporting agencies and the furnisher listed below. 

I disputed a collection account being reported by IQ Data XXXX on my credit report. The account is inaccurate, unverifiable, and fails to comply with XXXX XXXX reporting standards. I also disputed personal information, including incorrect addresses, that do not belong to me. 

Despite my formal disputes, the credit reporting agencies stated the account was verified without providing the Method of Verification, as required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I specifically requested documentation showing how the account was verified, who verified it, and what records were relied upon. 

To date, no documentation has been provided. Automated or electronic verification ( e-OSCAR ) does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act. 

Additionally, the collection account contains inaccuracies related to XXXX XXXX data fields, including improper or unverifiable reporting of the Date of First Delinquency ( DOFD ). Any re-aging or misreporting of DOFD is prohibited under federal law. 

The credit reporting agencies have failed to conduct a reasonable investigation and have continued to report inaccurate and unverifiable information, causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account with an impossible negative balance of - {$1100.00}. A collection account can not legally report a negative balance. 

Additionally, the account remarks state dispute resolved ; customer disagrees, yet no proper verification documentation has ever been provided to me as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). 

This inaccurate reporting is damaging my credit profile and violates federal credit reporting laws. I have disputed this account with Experian , XXXX, and XXXX. 

I am requesting immediate deletion of this account from all consumer reporting agencies due to inaccurate balance reporting and failure to properly verify the debt. 

Please provide written confirmation of deletion.

Company response to consumer: Closed with explanation