vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing the collection and claimed ownership of a XXXX XXXX credit card account originally issued by XXXX Bank. 

In XX/XX/XXXX, this account was being collected by XXXX XXXX XXXX XXXX, who identified themselves as acting on behalf of XXXX Bank. I timely requested debt validation. XXXX XXXX did not provide documentation establishing lawful ownership of the account or authority to collect it and instead provided only generalized account information. 

In XX/XX/XXXX, Portfolio Recovery Associates , LLC initiated collection activity regarding the same account, asserting that it is now the creditor. Portfolio Recovery sent collection letters and settlement offers but did not provide a bill of sale, assignment agreement, or any account-level documentation identifying my specific account as having been transferred to them. 

Portfolio Recovery also did not explain how or when XXXX XXXX claimed collection authority ended or how this account transitioned between collectors. As a result, there are conflicting claims of authority over the same account without a documented chain of title. 

Despite my dispute and the absence of proper validation establishing ownership and authority, Portfolio Recovery continues collection activity. Attempting to collect without clearly establishing that the debt is owed to them is misleading and does not comply with the Fair Debt Collection Practices Act. 

Requested Resolution : I am requesting that Portfolio Recovery Associates , LLC and XXXX XXXX XXXX XXXX be required to provide complete validation establishing lawful ownership and authority to collect this specific account, including the full chain of title, or to cease all collection activity related to this account. 

* * * XXXX XXXX XXXX XXXX is referenced solely as a prior debt collector associated with this account and not as the original creditor or owner of the debt. * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Kohls capital one My account is part of my XXXX  and this account should be removed Capital one is still purposely target my credit for a card is paid in XXXX  I want removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: Self Financial Inc.
State: CA

Complaint narrative:
On XXXX XXXX my XXXX XXXX XXXX daughter made XXXX unauthorized charges to my XXXX XXXX XXXX credit card to a XXXX merchant named XXXX. She took my phone off my charger in the middle of the night while I was sleeping and proceeded to make XXXX back to back charges to my card that I did not give her permission to make. I have been going back and forth with the card company and the merchant with no assistance. The card company is denying my XXXX claims for {$340.00}, and {$970.00} because they are starting i authorized the charges. I did not authorize the charges nor did I give my child permission to make these charges. The credit card is not helping at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX ( MO ) XXXX XXXX, XXXX. I presume that XXXX of the alleged debt, nor therefore any such debt, in fact therefore exists.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
My former employer owes a debt to XXXX XXXX XXXX The debt collector has contacted my husband ( not affiliated with the company ) about this debt twice saying that he is trying to contact me about a debt. This is highly illegal third party contact. 

Caine & Weiner XXXXXXXX XXXX XXXXXXXX He called and left mu husband a voice mail a few weeks ago, and again today. XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
I'm not sure what the specific dates are because I can't access my account. That said here are the order of events : - In late XXXX I tried to withdrawal XXXX from my account. 
- I checked again a few days later and my account was blocked. 
- I checked again a few days later and couldn't even access my account. When I put in my credentials, I receive an error saying " Let 's try that again. There's been an error with the information provided and the sign in failed. '' ( screenshot attached )- I reached out to support and in order to validate myself before I even talk to a representative, I am prompted to authenticate myself in the app.... which I don't have access to.

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 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I requested {$50.00} from my roommate on Venmo. When he attempted to pay, the first transaction wouldnt process, so he tried again and the second attempt appeared to go through. Later, when reviewing his debit card statement, he discovered he had been charged twice for the same payment. 

He disputed the duplicate charge with his bank. After the bank reversed the extra charge, Venmo applied a negative balance of {$50.00} to my account and is now demanding that I repay it. Venmo refuses to close my account or correct the error, and they have stated that any future payments sent to me will be taken to cover this balance. 

I have provided Venmo with bank statements and Venmo transaction records from both myself and my roommate. I have contacted customer service multiple times without resolution. This issue occurred on the same day as the nationwide XXXX outage that disrupted Venmos services, which may have caused the duplicate charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I applied for the citi diamond preferred Mastercard that was recommended by XXXX XXXX for having outstanding approval odds on XX/XX/XXXX, but then I got a letter from citi bank saying they couldnt approve my application because they could not verify some of the info on my application on XX/XX/XXXX, but they made no efforts at all to contact me to verify the info they needed, and I would like to know what info was unverifiable so that I could get that fixed, so now I have a hard inquiry on my credit report that hurts my credit score for no reason. I would like for either the hard inquiry to be removed from my credit report, or at least have the opportunity to verify the information they need to accurately approve or deny my credit card application

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
BOUNCE AI is falsely reporting on my credit. I have never had any accounts with them. Per my research BOUNCE AI 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 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinve tigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-01-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
My bank account with USAA was breached and almost all of my funds were stolen out of both of my checking accounts. I reported this to USAA the same day and was told that it would be resolved in up to XXXX weeks. The following week I noticed that USAA had put funds into, and then drafted them out of my account putting me in the negative over $ XXXX. I called and asked what was going on and was told I was somehow responsible. I explained that it was USAA itself that had withdrew the funds and that I was still waiting for my account to be rectified from the fraud, and that when I reported the fraud I was assured that my account would be corrected. They persisted that I owed them money, despite their responsibility to protect my funds and their withdrawals to the account. It's now been over a week and I still don't have my funds back. The fraud was clearly evident with charges outside of my state with multiple, unauthorized individual using the account. USAA has yet to correct the issue nor allow me to speak to any supervisor to resolve the issue. I can't pay my bills or use my debit card because the accounts are all in the negative. Even my paychecks can't be used because the accounts are negative due to USAA pulling money out rather than correct the fraud.

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 2026-01-19 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: Comerica
State: GA

Complaint narrative:
On or about XX/XX/XXXXXXXX  I fell victim to a misleading ad thinking I was getting a free sample and I could cancel for some nutritional products. They immediately hit my account with two charges of {$190.00} and second one for {$59.00}. 

I immediately called the company, XXXX XXXX, at their XXXX customer service number and said I didn't want the products and I wanted them to immediately reverse charges. They said they would and they gave me a confirmation number of XXXX. 

I was noticing other small charges on my XXXX XXXX XXXXXXXX from XXXXXXXX XXXX  and so I had that debit card canceled and a new one issued, which they did after hitting me with a {$4.00} new card charge. 

I have been waiting for over a month and every time I call the nutrition company they said I need to take it up with XXXX XXXX. Every time I call XXXX XXXX they said I need to take it up with XXXX XXXX. 

I am on Social Security XXXX  and I only get {$930.00} a month to live on so having this amount of money out of my account for over a month has been absolutely devastating. I'm forced to go without my medicine and I'm cutting back on food but I'm getting nowhere with these two companies.

The details from XXXX XXXX are this. My complaint was given the service request number of XXXX XXXX. After opening up a trouble ticket with them I received the correspondence on XX/XX/XXXXXXXX  advising me that their fraud department was closing my case and they were not going to refund the money because they say I had actually ordered the items. 

On the XXXX XXXX side of things I have been given a cancellation number of XXXX and a case number of XXXX. 

I have spoken verbally with both of these companies as well as filling out a complete dispute form with XXXX XXXX debit card which is managed by XXXXXXXX XXXX 

I might add that both companies have horrible customer service with long wait times. This is especially true

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX Acceptances reporting of my auto loan account and related conduct. Despite timely payments that were accepted and processed, and after multiple disputes with the credit bureaus and directly with XXXX, my account continues to be reported as late. This inaccurate reporting is causing ongoing and measurable harm to my credit. 

From XXXX through XXXX, I was out of work due to the birth of my baby, creating a temporary but legitimate financial hardship. During this period, I had a deferred payment arrangement with XXXX. Despite this, XXXX threatened repossession of my vehicle, which coerced me into making an additional payment of {$540.00} to avoid losing my car. This payment was made under duress and was not legitimately owed. 

By continuing to report late payments after receiving notice of disputes, and by threatening repossession that forced a payment, XXXX XXXX XXXX has engaged in practices that violate the Fair Credit Reporting Act ( 15 U.S.C. 623 ( a ) ( 1 ) ( A ) and 623 ( b ) ) and constitute unfair and deceptive practices under federal law.

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 2026-01-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2026-01-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: D2 Management LLC
State: NJ

Complaint narrative:
I am submitting this complaint regarding abusive and unlawful conduct by a debt collection agency listed on my credit report. 
I disputed the alleged debt and requested written validation as allowed under the Fair Debt Collection Practices Act ( FDCPA ). I have never received any written verification or documentation of this debt. 
I want to note that I have never previously corresponded with or been contacted by this particular collection agency. The account on my credit report lists a different collection agency name, and I had recently sent a certified debt-validation letter to that other agency. Shortly after sending that letter and receiving confirmation of delivery this new and unfamiliar agency contacted me regarding what appears to be the same alleged debt, without having ever provided me written notice or validation. 
Despite my dispute and request for validation, I received a phone call at approximately XXXX. on a Sunday, which I believe constitutes an unreasonable and improper contact time. During the call, the representative demanded information, became argumentative when I reiterated my request that any documentation be provided in writing by mail, and then hung up on me. Approximately XXXX minutes later, the agency sent me an email, despite having never previously communicated with me. I did not acknowledge or verify the debt, and I did not agree that the debt is mine. I only confirmed limited identifying information for identity-verification purposes, which does not constitute validation or acceptance of the debt. 
The agencys actions appear to violate the FDCPA, including : Continuing collection activity after a timely dispute without providing validation Harassing and abusive conduct Improper timing of phone contact Failure to provide required written notice and clear identification of the creditor I am requesting that this agency : Cease all collection activity until proper written validation is provided Stop all phone communication Correct or remove any inaccurate or misleading credit reporting related to this unverified debt I am requesting CFPB assistance to ensure my consumer rights are respected and that this matter is handled in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo will not tell me how to close a checking account. There are no bank branches within 4-5 hours of me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Byrider Franchising, LLC
State: IN

Complaint narrative:
Vehicle Information : XXXX, XXXX, XXXX VIN : XXXX Date of Purchase : XX/XX/XXXX Detailed Description of Complaint : I am filing this complaint against XXXX XXXX for deceptive business practices and ongoing violations of the Indiana Motor Vehicle Protection Act ( IC 24-5-13 ). 
1. Unreasonable Delay ( 30-Day Rule ) : My vehicle has been in the dealers possession for repairs since XX/XX/XXXX, totaling XXXX consecutive days as of today ( XX/XX/XXXX ). Under Indiana Code 24-5-13-15, a vehicle out of service for 30 or more business days for a covered defect qualifies for a full refund or replacement. 
2. Refusal to Provide Documentation : Since XX/XX/XXXX, I have repeatedly requested a written repair order. The dealer has refused, claiming they " don't have details '' from their body shop. This is a direct violation of Indiana Code 24-5-13-16, which states a dealer shall provide a written repair order each time a vehicle is brought in for repair. 
3. Misrepresentation of State Law : On XX/XX/XXXX at XXXX XXXX I called the XXXX XXXX XXXX location and recorded the conversation. One of the dealership staff explicitly told me that Indiana has " no lemon law '' and when I asked for their corporate number she denied providing the info and summed it up to " corporate wont do anything for you either '' I have been paying nearly $ 500 monthly for a vehicle I cant get information about repair details and ultimately can not drive. It is my understanding that when she said " Indiana has no lemon law '' This was a deceptive statement designed to deprive me of my rights under the Indiana Motor Vehicle Protection Act. 
4. Financial Hardship : Despite the dealer holding the vehicle for over a month, CNAC continues to demand bi-weekly payments under threat of credit damage.I was even told if I was late with a payment they would stop working on the car. I lost my job last week because I haven't had reliable transportation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified credit reporting by XXXX Funding, XXXX and XXXX XXXX Bank in violation of the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX et seq. ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: CA

Complaint narrative:
I had complaint againest them before and was removed from my credit report and now they are sending me another bill to pay for the same account was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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