vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXXApproximately XXXX days ago, I mailed an initial debt validation letter via USPS Certified Mail to National Credit Systems regarding an alleged debt of XXXX originally from Harrison Apartments. As of today,XX/XX/XXXX, I have not received any response or validation of this debt. On XX/XX/XXXX, I mailed a second debt validation letter via USPS Certified Mail (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX) as a follow up. Despite no validation being provided, National Credit Systems continues to report this collection on my credit report, damaging my credit score. Under FDCPA Section 809(b), a debt collector must cease collection activity including credit reporting until the debt is properly validated. I have made two written requests with no response. I am requesting that this account be removed from my credit report immediately until full validation is provided'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Williams, Rush & Associates, LLC
State: NY

Complaint narrative:
My husband and fathers phones were called today XX/XX/XXXX from Williams and associates requesting that I call them back. I did call back and spoke to 3 different people who threatened me with serving me papers to take me to court and place a lien on my home. All three people hung up on me when I tried to get information. They all have my most recent phone number and address. They are calling my family for the purpose of intimidation and harassment.They all were combative, threatening and extremely rude. They have been harassing me since XX/XX/XXXX using different names for their agencies. They have used the following names : Star point pre litigation services, Resolve first financial, Williams and associates. This debt is from XXXX and is past the statute of limitations. It has been charged off from XXXX credit card. The phone number they called my family from is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-18 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: TN

Complaint narrative:
On Friday XX/XX/XXXX, I started receiving texts while at work about purchases being made on my Capital One Quicksilver card at multiple different locations. Target for {$370.00}, XXXX for {$81.00}, XXXX for {$39.00}, and XXXX XXXX XXXX for {$25.00}. I immediately locked my card and reported XXXX, XXXX and XXXX XXXX. I thought I used my capital one card at XXXX instead of my XXXX XXXX so I first thought that purchase was mine. Yesterday XX/XX/XXXX, I received a letter from Capital One saying that my claims were denied. Today XX/XX/XXXX, I called and asked to appeal it. They investigated it and said that someone used the chip to make those purchases and because the chip is secure and no way of being copied I am responsible for the charges. I was at work that day from XXXX XXXX until XXXX, the first purchase I got a notification for was XXXX at around XXXX. I was 20 minutes away from that store with my Quicksilver card in my possession. I would really appreciate any help with this. I did not give my card to anyone and still have this card in my possession. I am requesting a full reinvestigation of these transactions, as I did not authorize or benefit from them, and the denial appears to rely solely on chip usage without considering the surrounding facts and circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
My employer submitted a direct deposit to my checking account with XXXX on XX/XX/year> but the funds never posted to my account. I have received direct deposit to this account for months now, without any issue. I also verified that there have been no changes made to my account number or the routing number to my XXXX account. XXXX keeps telling me they received no deposit and my payroll company is telling me the deposit has been sent, received and posted by XXXX. So I am stuck between the XXXX parties being bounced back and forth. Neither one is able to help me locate the deposit, so I was told to submit this claim. This is the info we have provided to XXXX regarding my missing direct deposit ( this info was provided by my payroll company ) : Trace ID : XXXX Direct Deposit Amount : {$1000.00} Deposit Date : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
I mistake an send money to the wrong person an I been trying for XXXX weeks now try get back from cash app. I told them the person I mistake sent to is in jail so the money is still pending on her account. I sent screenshots of her in jail an I sent transaction history shows it's not on her account. But cash app keeps tell me there not the can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: IN

Complaint narrative:
In XXXX and XX/XX/year> our Discover credit card has over {$6000.00} fraud charges to XXXX We did not make them. We have sent letters and made over 10 phone calls to Discover Fraud We froze our account We notified police and they said to call Discover We have sent proof that we charged to XXXX as well during the fraud charges and have shown we used XXXX XXXXXXXX We have spoken with XXXX, XXXX, XXXX, XXXX and several others We are elderly and live alone. We didnt even have this card and havent used Discover for 2 years We are including some of the correspondence with Doscover

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Subject : Dispute & Debt Validation Request Account Not Recognized To Whom It May Concern, I am writing to dispute an account reported under my name with Affirm. I have no knowledge of this account and do not recall applying for or authorizing any agreement with your company. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of this alleged debt. Please provide the following : The original application or agreement bearing my signature The name and address of the original creditor The account number and full balance, including any fees or interest A complete payment and transaction history Proof that I authorized and am legally responsible for this account Proof that your company is authorized to collect on this debt Until proper validation is provided, I request that you cease all collection activity and reporting to any credit bureaus. If you are unable to provide sufficient documentation, I request that this account be removed from my credit report immediately and that you provide written confirmation of its deletion. There is currently 4 accounts on my report that need to be removed if not validated! I request all future communication be in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: TX

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC
State: IN

Complaint narrative:
On XX/XX/year>, I sent Selene Finance a Qualified Written Request / Notice of Error / Request for Information regarding the alleged mortgage loan.I wrote in my capacity as Personal Representative of the Estate and stated that Letters Testamentary were enclosed. I requested investigation of specific servicing issues, including escrow history, servicing transfer and boarding records, whether mortgage life or credit life coverage tied to the loan existed or was ever investigated, whether any death-triggered claim was submitted after the borrowers death, payment history, and internal notes and logs. Selene did not meaningfully address those issues. Instead, after I filed a CFPB complaint, Selene responded by again asking for documents relating to my authority, even though Selenes own response attached my original email showing that I had already stated the Letters Testamentary were enclosed. Selene did not say whether the documents were not received, were illegible, or were otherwise deficient. Selene also did not provide a substantive answer to the servicing errors and information requests I raised. This appears to be a circular and non-responsive process that prevents any real investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: WA

Complaint narrative:
Validation of Debt Request - PORTFOLIO RECOV ASSOCXXXX 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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I am XXXX XXXX, the owner of XXXX XXXX XXXX, a business with a business checking on citizens bank, my account ending in # XXXX was affected by a fraud between XX/XX/XXXX to XX/XX/XXXX, the claim was submitted under the correct time, and the sword statement of not authorized activity, I need resolve this problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 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: NC

Complaint narrative:
XXXX started getting phone call after phone call at least 10 a day I was I informed the customer service rep this was a fraudulent account to remove from my name immediately \nThe debt collector isXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Today XX/XX/year> Lvnv funding has 2 accounts for me duplicated as well as showing i used one or both this month. I did not. They told me they could dispute it if I pay {$970.00} dollars today to handle the dispute or they could go back and fix the errors to report the debt more correctly so I would pay the full amount. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
The complaint is against Bank of America. Bank of Americas customer service line is fully automated and does not provide a direct option to reach a live agent. Although the automated system indicates that an agent is available, it only offers a limited set of issue categories. If none of the listed options apply, the system repeatedly returns the caller to the main menu. Additionally, attempting to press 0 to reach an agent results in the call being disconnected. I have an active Bank of America credit card account with an existing balance and a 0 % APR promotion on balance transfers that began last year. The promotion does not apply to new purchases. I am trying to speak with an agent to obtain the exact amount needed to pay off the purchases portion of my balance so that I can maintain the 0 % APR on the remaining promotional balance. However, the current customer service system does not provide any path to reach a live representative. Bank of Americas customer service design appears to prevent customers from accessing an agent to request payoff information for new purchases, which results in continued interest charges. My total balance is approximately {$4000.00}, and my purchases amount is around {$1000.00}, but I need the accurate figure to avoid future interest. It has been impossible to reach a live agent to discuss this matter. I ultimately had to search online for alternative numbers. Although the number I reached was legitimate verified through authentication in the Bank of America app, this approach is unsafe for consumers. Individuals who are not technologically savvy may resort to calling any number they find online, increasing the risk of fraud. I am requesting that Bank of America provide the exact amount required to pay off my purchase balance so I can avoid additional interest charges until my 0 % APR balance transfer promotion expires. I am also requesting that Bank of Ame rica review and update its customer service system to ensure that customers are provided with a clear and reliable option to speak with a live agent.

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 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MD

Complaint narrative:
Since Ed Financial has taking over my loans, my principal amount keeps increasing. With XXXX, I could see what amount was paid to interest and principal. The same with XXXX. Now that Ed Financial has my student loans, my balance continues to increase. I have asked why I am not seeing any amount of payment going towards the principal as when XXXX and XXXX had my loans. I also was told by Ed Financial that an additional {$1300.00} in interest came with the loan when they received it from XXXX. No one from Ed Financial can explain to me where this additional {$1300.00} in interest came from. I am being told by Ed Financial that I am legally required to pay all interest on the loans before any amount is applied to the principal .I stated to Ed Financial that XXXX and XXXX applied my payments to interest and the principal. I could see my balance decreasing with XXXX. I pay {$410.00} every month. I am not understanding why my balance continues to increase with Ed Financial. I believe that Ed Financial is deliberating increasing my balance illegally. I continuously get the run around from Ed Financial and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. 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 2026-03-18 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: CA

Complaint narrative:
Between approximately XXXX PM on XX/XX/year>, and XXXX AM on XX/XX/year>, multiple fraudulent charges were made without my authorization at several locations in XXXX XXXX. During this period, I was in and around my home city of XXXX XXXX, XXXX, in possession of my physical debit card. Additionally, an unauthorized individual gained access to my Bank of America online banking account and conducted several unauthorized transfers between accounts. On XX/XX/year>, I filed a fraud claim with Bank of America in the amount of {$6200.00} ( Claim No. XXXX ). On XX/XX/year>, I was notified that Bank of America denied the claim, stating : The charge was authorized by you or made by someone who has permission to use the card or account. I have since disputed this determination with Bank of America and have not received a refund to my account.

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 2026-03-18 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/year> {$1300.00} Was taken out by chase and not refunded even tho they were refunded by XXXX and the amount was adjusted. CHASE have denied my dispute and appeals and have not refunded me the amount or interest being charged on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 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: NY

Complaint narrative:
I created an account with PayPal. On Monday, XX/XX/year>, I sent a request to a friend for {$50.00} for groceries. Immediately following my friend sending me the money, PayPal permanently blocked my account, and stated that I would not be able to withdraw funds until XX/XX/year>. They claim this is due to my account usage going against their terms of service. As this is the first and only transaction on that PayPal account, I dont see how I violated their terms of service. They have not informed me of how I violated their terms, and are refusing to allow me to withdraw the {$50.00} or to send it back to my friend.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: AL

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 ) 1006.34, 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 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I was not contacted or verified of this debt thats on my credit report its violating my federally protected right per FDCPA Sections 809b 15 U.S.C. 1692g.

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