vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 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 an inaccurate and unverified debt being reported by Portfolio Recovery Associates/Portfolio RC ( original creditor : Citibank ) . The tradeline is reporting a balance of approximately {$25000.00} and continues to report derogatory/late status. The information being furnished and reported is not being properly validated and contains inconsistent reporting. Timeline/ reporting issues : The debt is being reported as opened around XX/XX/XXXX, with a last payment date reported around XX/XX/XXXX, and it was recently verified/reported around XX/XX/XXXX. The account is being reported in a way that is inconsistent and misleading ( including discrepancies in status and dates being reported/verified ). Actions I took : I disputed this account multiple times with the credit reporting agencies and requested that the furnisher/collector provide full documentation to support the reporting. I requested debt validation and supporting documentation, including proof of the amount claimed, complete itemization, proof of assignment/authority to collect, and copies of any contract/application and billing statements supporting the alleged debt. Company response / failure to validate : The company has not provided the requested validation documentation. Despite my disputes and requests for documentation, the account continues to be reported as a valid collection/derogatory item, which is damaging my credit and preventing me from reaching my goal of qualifying for a mortgage. Resolution requested : Provide full validation documentation and a complete itemization supporting the amount being reported, or delete the tradeline from all credit reports. Correct any inaccurate reporting and ensure the account is not reinserted without proper notice and documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Torriere Holdings INC
State: AZ

Complaint narrative:
On XXXX and XXXX this company srs has repeatedly called my ex girlfriends mom which I have no relation too and they keep calling her regarding my debt they have also called my entire family multiple times and they wont stop harassing my family and my ex girlfriends mom who have no coalition with whatsoever. I have told them to stop calling me and my family and to request everything in writing and they still have no followed my direct orders to stop calling me and harassing my family and someone who I have no relationship with

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: CA

Complaint narrative:
We vacated the apartment on XX/XX/XXXX, leaving the unit clean and in the same condition in which it was originally provided. On XX/XX/XXXX, the apartment management notified us of an outstanding balance and instructed us to remit payment to Property Receivables Corp.. We promptly contacted the apartment management to request clarification regarding the charges and alleged damages, as several of the cited items appeared to fall within normal wear and tear and/or were present prior to our move-in. Management advised us that any dispute must be directed to Property Receivables Corp.. On XX/XX/XXXX, we contacted Property Receivables Corp. by phone and were instructed that all disputes must be submitted via email. That same day, we sent a formal written dispute requesting : A full itemized statement of charges Copies of all receipts and paid invoices supporting each charge Documentation showing how each charge exceeds normal wear and tear under California XXXX XXXX XXXX Documentation showing the condition of the unit at move-in A copy of the signed lease agreement Documentation reflecting proper depreciation calculations for replaced materials ( e.g., carpet and paint ) Over the following XXXX weeks, we sent multiple follow-up emails requesting acknowledgment of our dispute and the requested documentation but received no response. After contacting the apartment management for assistance, we finally received a response on XX/XX/XXXX ; however, it was an automated message containing only debt verification documents and a copy of our lease agreementdocuments we already possessed. We still did not receive : A written, line-by-line explanation describing how each cited item exceeds normal wear and tear Documentation demonstrating the exact condition of the unit at move-in Documentation establishing that the damages attributed to our tenancy did not pre-exist our occupancy On XX/XX/XXXX, we were finally able to speak with a representative by phone and were informed that they were not obligated to provide the additional requested documentation. On XX/XX/XXXX, we requested a debt validation letter, as I had not received one by mail. We were told that it had already been sent and that they could not issue another copy. As of today, we have not received a debt validation letter, and we have not signed any agreement directly with Property Receivables Corp.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NV

Complaint narrative:
b"OnXX/XX/XXXX someone broke in my room and stole my cell phone and wallet that had my Chimes Debit card ending inXX/XX/XXXX. The next day XX/XX/XXXX the stolen Chimes Debit Card ending inXX/XX/XXXX which was used to fraudulently purchase the following items at these stores and/or Businesses.\n1.XX/XX/XXXX Smith's food for. XX/XX/XXXXSmith's food for. XX/XX/XXXX Cardenas Market. XX/XX/XXXXCardenas Market. XX/XX/XXXX Circle K.XX/XX/XXXX Churches Chicken. 21.64\n\nFor a Total of XX/XX/XXXXnThese charges were not made by me as I have supporting documents showing I was at XX/XX/XXXXHotel and Casino onXX/XX/XXXX XX/XX/XXXX Nevada in a Booked room paid for with my Wells Fargo Debit card unaware that these fraudulent purchases are going on.\n After contacting Chimes Bank about these fraudulent charges I open up a dispute complaint XX/XX/XXXX R-1 only to be denied. R-2 Denied R-3 Denied all the way up to Dispute XX/XX/XXXXR-8.\n I have a police report with DetectiveXX/XX/XXXXXX/XX/XXXX from the XX/XX/XXXX Police Department looking into this matter helping me with Chimes Fraud Department continuing their stand of refusing to credit my monies stolen from me back to my account\n This ongoing investigation has been on going now for over a month and has caused me great pain and suffering as I have to live in Motels (The Suites) and the XX/XX/XXXXCasino because I have no where to live and have to go to food banks that help feed the elderly and Homeless to eat.\n I'm aXX/XX/XXXX Veteran, Retired XX/XX/XXXX XX/XX/XXXX There is no way I would purchase over $500 in food.\n Please help me to get Chimes to reimburse me my stolen money and credit my Checking AccountXX/XX/XXXX.\n Any help would be Greatly Appreciated.\nXX/XX/XXXX XX/XX/XXXX Thank you"

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX I received a text from Citibank 's fraud dept asking if I had made a specific purchase. When I answered no, I them received a call from that fraud dept and began to process a claim. There were 4 purchases that were unauthorized but only 2 were immediately resolved. I had to wait a week to have the other charges reversed and the money out back into my checking account while they investigated. On XX/XX/XXXX I noticed the latter 2 amounts were debited again and on XX/XX/XXXX I received a letter stated that my claim was rejected. I then called and put in another claim, the money was replaced and on XX/XX/XXXX the claim was rejected again and the money debited. At this time I requested the info used in the bank 's investigation and waited for a response. On XX/XX/XXXX, the amount again was debited from my account and the claim rejected. At that time I received the letter I requested with the info used in the investigation. This was not info but another explanation of why the claim was rejected. I went to my nearby branch to try and get help and they escalated my case. I was told it may take a couple weeks and at this time my account was overdrawn. I was also told that there are no longer overdraft fees so I intended to keep my account in this status until I received next steps in my case. On XX/XX/XXXX I saw 2 transfers from my checking plus account with Citibank into my regular checking account and one transfer today XX/XX/XXXX from my savings account to my regular checking, both to cover overdraft. I dont understand why this was necessary to do if there are no overdraft fees and these tranfers were done internally by the bank, not by me. I received a call from Citibank today telling me that now my checking plus account is past due when there was a payment made XX/XX/XXXX. I'm confused how i now owe anything when that checking plus account was up to date until the bank began transferring money to my regular checking without my knowledge or authorization

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 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
As a retired XXXX I was offered a credit card to pay a dental bill since my insurance did not pay for the bill. I accept it that card and later on as I paid on a monthly scheduled from XX/XX/XXXX thru XX/XX/XXXX when I paid the entire balance they told me That I paid late and charge my account {$390.00} for late payment. They call this Care Credit, but I think more as ripping off a XXXX citizen. I spoke to the customer service and refuse me the Bill for {$390.00}

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 2026-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA

Complaint narrative:
I contacted Pennymac regarding late fees that accumulated on my mortgage account. In a previous phone conversation with a Pennymac representative, I was informed that once I brought my account current, I could call back and request a review to have the late fees waived. Based on that information, I worked to bring my account up to date. After doing so, I contacted Pennymac again to request the waiver of the late fees as previously discussed. However, the company refused to remove the late fees despite the prior information provided to me by their representative. Recently, while reviewing the situation more carefully, I also realized that my contact information may not have been properly updated in their system for some time. Because of this, I may not have been receiving certain notifications or communications regarding my account. Despite bringing my account current and following the instructions given to me by the company, Pennymac declined to review or waive the late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding the reporting of my student loan account serviced by Aidvantage. After reviewing my credit reports from XXXX XXXX and XXXX, I noticed that the payment history for this account is being reported inconsistently across the credit bureaus. XXXX credit bureau reflects a significant delinquency while other bureaus reflect different payment history information. Under the Fair Credit Reporting Act ( FCRA ) XXXX ( a ) ( XXXX ), furnishers of information have a duty to report information that is accurate and consistent when furnishing data to consumer reporting agencies. Because the same account is reporting different payment history information across multiple credit bureaus, the accuracy of the reporting is questionable. I have requested documentation verifying the reported delinquency and payment history but have not received sufficient documentation supporting the reporting. I am requesting that Aidvantage investigate the reporting of this account and provide documentation verifying the reported payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I am filing this complaint against Barclays for failing to properly investigate a credit card billing dispute involving two separate breaches of contract by XXXX XXXX XXXX and a violation of federal refund regulations ( 14 CFR 260.6 ). I purchased a single ticket itinerary ( Confirmation number : XXXX ) with a total cost of {$270.00} from XXXX on XX/XX/XXXX, for travel on XX/XX/XXXX. On the day of travel, the itinerary suffered two independent failures by the carrier : 1. Significant Delay : The first flight of the itinerary from XXXX XXXX to XXXX ( XXXX ) was delayed by 3.5 hours. Per DOT 14 CFR 260.6, any domestic delay of 3+ hours is a " Significant Delay '' that entitles the passenger to a full cash refund. 2. Carrier Cancellation : Separately, the second flight of the itinerary from XXXX to XXXX ( XXXX ) was cancelled by XXXX. These were two distinct breaches of the carriage contract. Because of these failures, the entire trip became a " Trip in Vain '' the passenger was stranded at an intermediate point with no viable way to reach the destination. I was forced to purchase a new, emergency ticket on XXXX XXXX to complete the travel. ( However the purpose of travel had been defeated, as he did not reach his destination until 10 hours after he was originally supposed to land, causing him to miss a time sensitive event ) Despite receiving a 16-page evidence packet ( Faxed XX/XX/XXXX ) proving these failures, Barclays has closed my dispute ( Case # XXXX / XXXX ) twice. They are siding with XXXX deceptive claim that a 50 % partial refund for the first leg is acceptable. Legally, a flight that results in a stranded passenger due to a 3.5-hour delay and a subsequent cancellation has XXXX value and mandates a 100 % refund. By refusing to recognize a Significant Delay as defined by the DOT, Barclays has failed to conduct a 'reasonable investigation ' as required under the Fair Credit Billing Act ( FCBA ). I have paid the {$130.00} balance under protest to close my account and am seeking a full refund.

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 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
The collection company is trying to collect a debt on behalf of XXXX I have not used them i got a qoute Asked the collection company to provide back up on this debt, they stated I should know what it is and they do not have to prove the debt gave me this ridiculous options to pay back I have asked them to remove if they can produce back up Requested this multiple times over the last few years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Collection Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$870.00} SPRING XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Charged Off Accounts XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Account Number XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I have there goldman sachs credit card over XXXX years now? They keep lying to me about getting a credit increase, XXXX blunder was I didnt abuse it enough, then there idiotic excuse was I didnt pay large enough monthly payments. I have paid off this card numerous times to show responsible spending? Now XXXX deception again, XXXX of there XXXX employees lied to me again and claimed I had to wait XXXXmonths until XX/XX/2026? NOW they deceived me again, with some convoluted XXXX XXXX denial? They lied all along told me automatic increase? Where is it? Nobody keeps the same credit limit after XXXX years of having a credit card? Plus I have a marcus XXXX account? Nobody competent managing there apple card. Took forever for a simple minded phone number change, blundering ineptitude??????????

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Ive sent in multiple letter to the credit bureaus and the debt collector trying to validate the debt and once everything gotten confirmed I sent in letters to the collection agencies stating exactly this. I am prepared to set up a payment arrangement. However, I require written confirmation of the agreed terms before making any payments. Please provide documentation outlining the total balance, monthly payment amount, due dates, and whether interest or fees will continue to accrue. If written confirmation can not be provided, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau. Until I receive written confirmation, I will not authorize any payment. They still refuse to send any copies or documents of the agreement or the amount needing to be payable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: MS

Complaint narrative:
Between XXXX and XXXX my federal student loans were serviced by XXXX. In XX/XX/XXXX I received billing communications showing a required monthly payment of approximately {$2500.00}. These payments were already very high prior to the pandemic. In XX/XX/XXXX I was laid off as COVID-19 disruptions began and I entered the process of filing for unemployment benefits. My unemployment period lasted from XX/XX/XXXX through XX/XX/XXXX. During that time I had little to no income and could not afford my monthly student loan payments. I contacted XXXX to explain my financial hardship and unemployment and to ask what options were available to lower my payment. During my communication with XXXX I was advised by a customer service representative to enter forbearance because I could not afford my payment. I was not informed about Income-Driven Repayment ( IDR ) plans or other repayment options that could reduce payments based on income. Because I was directed into forbearance instead of being advised about IDR, interest continued to accrue and my loan balance increased during the forbearance period. This significantly worsened my financial situation while I was unemployed. I made good-faith efforts to contact my loan servicer and seek an affordable repayment solution during a period of documented financial hardship. However, I was not clearly informed of repayment options that could have lowered my monthly payment based on income. I am requesting that my account be reviewed to determine whether proper repayment options were provided during my hardship period and whether being directed into forbearance without disclosure of IDR contributed to unnecessary balance growth

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX are calling and saying I took out a loan in XXXX from a company named XXXX XXXX in the amount of XXXX dollars of which is not true.

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 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I am writing regarding a collection account that recently appeared on my credit report, which I do not recognize and do not owe. It is extremely frustrating and distressing to discover a debt that is unfamiliar, unverified, and not mine, followed by repeated collection attempts through multiple communication channels, including threats of legal action. As a responsible and law-abiding individual, being subjected to this type of conduct feels like a blatant violation of my consumer rights. This situation has caused significant emotional distress, mental strain, and sleepless nights.

Company response to consumer: Closed with non-monetary relief