vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
I have proof that this debt has a XXXX dollar balance with the original company ( XXXX XXXX ). which is attached. This has been deleted multiple times from all XXXX bureaus and XXXX and XXXX has continued to resubmit this debt to my report and hurt my XXXX XXXX. This effects my employment, my livelihood and my family. I also sent a validation letter to this company and they did not respond or prove that they have anyway of validating this debt. ( which they cant because it was paid with the original company a long time ago and never should have went into collections ). They are reporting this as a {$97.00} dollar debt owed but when i called them they told me that i owed {$120.00} and tried to collect {$120.00} on the phone on a recorded line on their end. I also have called them and asked for this to be deleted where they claim that they will investigate and get back with me in XXXX days, which will continue to hurt my score on a debt that is illegal for another XXXX days. This effects my job and can hurt my employment and a XXXX day reinvestigation on a deleted debt is not acceptable. This has reappeared only on my equifax report and has started reporting as of XX/XX/year>. This needs to be deleted and removed and never put back on again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>, I revoked authorization for all future charges from XXXX XXXX. Prior to the XX/XX/year> transaction, I also notified Capital One by phone, requested a replacement card number, and requested a merchant block to prevent further charges. Despite revocation of authorization, a {$100.00} charge posted on XX/XX/year>. I disputed the transaction as unauthorized. Capital One processed the dispute under a return/cancellation framework rather than evaluating whether authorization existed after revocation on XX/XX/year>. I submitted a written rebuttal requesting evaluation under the unauthorized/revocation framework. Capital One closed the dispute against me a second time without addressing the revocation issue ( Case XXXX. XXXX ). This dispute follows the identical pattern described in CFPB Complaint XX/XX/XXXXXXXX, in which Capital One resolved a {$72.00} dispute from the same merchant following CFPB intervention . I raised this {$100.00} dispute in my feedback response to that complaint. Capital One did not address it. Capital One 's own records confirm they were aware before the XX/XX/year> charge posted that their merchant block was ineffective because the merchant was not using the required recurring charge cXX/XX/XXXXe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
The company Radius Global Solutions LLC never received an opt in from me to text me. They continued to text me over and over without having an opt in nor asking for an opt in. This is illegal harassment because they do not have my permission to continually use their short cXX/XX/XXXXe to text me without my opt in provided to them ever. This company needs to collect an opt in after the first message. They can not continue to reach out via short cXX/XX/XXXXe without an opt in from me. It is illegal. They text me every couple business days without my consent

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 2026-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: METRO ISLAND MORTGAGE INC.
State: PR

Complaint narrative:
I am a XXXX involved in a rehabilitation project that was represented as an FHA 203 ( k ) loan. During the course of the project, I was instructed that significant portions of the work had to be redone. In order to proceed correctly, I formally requested the inspection report and supporting documentation that would justify these claims and clarify the remaining scope of work. The inspection report was never provided to me. Without this documentation, I was unable to verify what work was actually pending or required, yet I continued to receive instructions to redo the project without clear technical justification. Additionally, I later contacted HUD and was informed that this loan was never endorsed by HUD as an FHA loan. This raises serious concerns regarding how the loan was represented and managed, particularly in relation to inspection processes and disbursement of funds tied to the project. As a result of this situation, I experienced significant financial hardship. My financial obligations increased, and I was forced to make critical decisions under distress, including the sale of my personal residence to avoid further financial deterioration. This has caused substantial personal and financial impact. The lack of transparency, failure to provide requested documentation, and conflicting information regarding the nature of the loan have directly affected my ability to perform my contractual responsibilities and have caused serious financial harm. This situation may involve misrepresentation of the loan type and improper disbursement controls under FHA 203 ( k ) program guidelines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: AL

Complaint narrative:
Validation of Debt Request - SPRING OAKS CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Hi, Systemic FCRA/FDCPA Violations & Willful Deceptive Practices I am filing this formal complaint against Portfolio Recovery Associates , LLC for a pattern of willful non-compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX. Violation XXXX : Fraudulent Misrepresentation of Creditor Identity ( 15 U.S.C. XXXX ) The furnisher is willfully reporting false data by listing themselves as the " Original Creditor " on my credit file ( see attached evidence ). This is a factually false statement. Portfolio Recovery Associates , LLC is a third-party debt buyer. I never executed a contract with this entity. By masquerading as the originator, the furnisher is corrupting the data lineage and misleading scoring models to treat this junk debt as a primary financial obligation. This is a deceptive trade practice under the FDCPA intended to confuse the consumer and the credit bureaus. Violation XXXX : Predatory " Re-Aging " of Debt ( 15 U.S.C. XXXXc ) The furnisher has manipulated the " Date Opened " field to show a recent date. This debt originates from a legacy account that is years old. Resetting the clock is a predatory tactic known as " Re-Aging, " designed to bypass the XXXX reporting statute of limitations and inflict fresh, malicious damage on my creditworthiness. This is a direct violation of the FCRA 's obsolescence standards. Regulatory Demand : This is not a clerical error ; it is a systemic failure of the furnisher 's compliance protocols. The furnisher is knowingly verifying false information to maintain leverage. I demand this compromised trade line be deleted immediately with prejudice. Furthermore, I request the CFPB flag this entity for a data integrity audit regarding their portfolio-wide reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Validation of Debt Request - CREDIT COLL -XX/XX/XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXXdays : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I was placed on a XXXX trial mortgage payment plan with Citizens Bank for XXXX, XXXX, and XXXX, and I was required to call in to make payments. In XXXX, I was informed by a representative that I could make payments within the same month as long as they were made after the XXXX. Based on that guidance, I followed instructions and made my payments accordingly. XXXX payment was made in XXXX, and XXXX payments were made in XXXX during a single call on or around XXXX XXXX. These payments were processed by a Citizens Bank representative while I was required to call in and did not have the ability to make payments independently. After these payments were made, I was later informed that I had been removed from the trial payment plan because payments must be made in the specific month they are due. This requirement was not previously communicated to me and contradicts the guidance I was given in XXXX. After I was removed from the plan, I was then told that only the first month allowed XXXX payments after the XXXX. However, this information was never communicated to me prior to my removal from the trial plan. Additionally, a Citizens Bank representative named XXXX informed me in early XXXX that the issue had been resolved. However, I later found that no resolution was made. I have contacted Citizens Bank multiple times regarding this issue. I have been told that the matter was escalated and that I would receive a call back, but no one has contacted me and the issue remains unresolved as of the end of XXXX. All calls are monitored and recorded. I have asked Citizens Bank to review these recorded calls to confirm that the representative provided incorrect guidance and processed the payments, and that this issue should be corrected and my account brought current. As a result of these servicing and communication errors, I was wrongfully removed from my trial payment plan, and my account is now showing approximately {$6000.00} delinquent ( XXXX payments behind ), despite the fact that I made the required payments and followed the instructions provided to me by the bank. I am requesting that Citizens Bank review the recorded calls, correct the servicing errors, properly apply my payments, and bring my account current.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: MD

Complaint narrative:
Bank of America has mishandled a large number of my fraud claims, many of which have been left unresolved far beyond the required investigation timeframe. Several of my claims have been in review since early XXXX, and others from early XXXX are also stalled with no resolution. The following claims remain open and unresolved : Claim ending in XXXX has been in review since XX/XX/XXXX. Claims ending in XXXX and XXXX are also still unresolved. Claim ending in XXXX has been in review since XX/XX/XXXX. Claims ending in XXXX, XXXX, and XXXX have been open since XX/XX/XXXX. Claim ending in XXXX is also open since XX/XX/XXXX. Claims ending in XXXX, XXXX, XXXX, and XXXX remain open with no progress. Claim ending in XXXX has been open since XX/XX/XXXX. Claim ending in XXXX has been open since XX/XX/XXXX. In contrast, the bank has already refunded the following claims based on the exact same evidence : Claim ending in XXXX {$720.00} Claim ending in XXXX {$530.00} Claim ending in XXXX {$1900.00} Claim ending in XXXX {$630.00} Claim ending in XXXX {$670.00} Claim ending in XXXX {$840.00} Claim ending in XXXX {$74.00} Claim ending in XXXX {$950.00} Claim ending in XXXX {$530.00} These refunds confirm that my documentation is valid and that the merchant transactions were unauthorized. Bank of America has already acknowledged that my evidence was not attached or reviewed during the initial investigation, which is why several claims were reopened. However, the remaining claims have still not been corrected or refunded. Some of my claims have been in review since XX/XX/XXXX and XX/XX/XXXX, which exceeds the required XXXX investigation window. The additional XXXX claims are also stalled, showing a pattern of incomplete and inconsistent handling. This is not a valid investigation outcome and places the burden of the banks internal errors on me as the customer. I have already provided all required documentation, including a police report, and the bank has confirmed receipt. I am requesting immediate correction and refund of the remaining claims, consistent with the refunds already issued.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: NV

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau ( CFPB )XX/XX/XXXXXXXX Subject : Urgent Request for Assistance on Held Funds and Account Closure Dear CFPB, I am writing to seek your assistance regarding an ongoing issue with my checking account at US Bank {$1300.00}. Despite multiple attempts to resolve this matter directly with the bank, I have been left without access to my funds, which has caused significant financial distress. I have contacted the bank on XXXX separate occasions regarding funds that are being held in my account. During my communications with the fraud prevention team, I was informed that my account is in the process of being closed. I was assured that once the pending XXXX transactions were settled, a check would be issued and sent to my address. However, XXXX week has passed since the pending transactions were settled, and I have yet to receive this check. Upon following up today, I was told by the customer service department that my account is currently under review and that the funds will remain held until further notice. This has left me in a precarious financial situation. As a result of these delayed actions, I am now delinquent on my mortgage, vehicle payments, and credit card obligations. I am currently experiencing considerable hardship and emotional distress as I have no available funds to support my daily living expenses. Furthermore, I was informed that I can not access or transfer any funds in my account until further notice, exacerbating my situation. I kindly request your intervention in this matter as I navigate the complexities of this issue. A prompt resolution is crucial, as my financial stability and well-being are at stake. I appreciate your attention to this urgent matter and look forward to your guidance on how to proceed. Thank you for your assistance. Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Made an order for suspension kit. Supposed to be delivered within XXXX weeks after a month I contacted the company. They said it would be more weeks out.. I asked them about delivery. They said they canceled my order and refused service. I never received any items. The credit card company is charging me {$2000.00} For items that Im not federally obligated to pay for They refuse to do anything to resolve. Told me to seek other options.

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 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: KEYCORP
State: NY

Complaint narrative:
I received an email from XXXX on XX/XX/XXXX stating welcome to keybank, thanks for your new account.. I thought it was a scam because I didnt open an account with them. On XX/XX/XXXX I received another email stating ur account has been funded that raised a red flag to me. I called the bank asking questions and was told it was an account in my name. I informed them its not me I have no knowledge of this account report it to fraud. I was transferred to fraud I explained it wasnt me and apparently XXXX a target of identity theft, I was on the phone with fraud department for about a hour and was told they will do an investigation. I was treated as I was the one pretending to be me .. XXXX getting mail currently showing the account is still open and is withdrawn and the bank hasnt informed me of any investigation.. I reported to fcc, identity theft and as well as froze my credit and social number. The bank did not close the fraudulent account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I applie for a credit card and the bank on purpose is asking me to mail requirements when they can request docuemnts electronically. so they request proof by mail which is a old way a old school way to send documents. and even after i sent the proof the act like they dont care about my application. they are profesionals. they have outdated system. they dont help customers

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: LA

Complaint narrative:
I am currently a Debtor-in-Possession in a XX/XX/XXXXBankruptcy. Chime closed my account with a balance of approximately {$1800.00} despite me owing the bank {$0.00}. Under XXXX XXXX. XXXX, Chime is legally required to turn over property of the estate. Chime 's refusal to release these funds for XXXX days is a violation of the spirit of the XXXX XXXX and is causing an extreme humanitarian hardship. My household includes minor children and a XXXX mother. XXXX currently have XXXX access to food or basic necessities. A XXXX delay is legally and ethically " unreasonable '' given that these are exempt funds required for the survival of minor children. Chime was recently fined ( File XXXX. XXXX ) for these exact refund delays. I demand an immediate wire transfer or expedited release of my funds to my new legal counsel-approved account.

Company response to consumer: Closed with explanation