vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-28 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: TX

Complaint narrative:
Debt was an issue of identity theft ; requested contract validation and accuracy of identification for removal.. Requested proper validation, including complete account history, proof of assignment/ownership, and verification of the original delinquency date being used for credit reporting purposes. Despite the dispute, the account continues to be reported as a collection account without sufficient documentation supporting the accuracy of the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am writing to dispute inaccurate information reported by COMENITYBANK/WAYFAIR on my credit report. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. The account in question, XXXX XXXX XXXX XXXX XXXX, is shown with a {$0.00} balance but is incorrectly marked as derogatory on my XXXX credit report. This incorrect status has adversely affected my credit scores, which are currently XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. I have never had any late payments or defaults on this account, and I believe this status is erroneously reported. I first noticed this issue on my credit report in XX/XX/XXXX during a routine check. Since then, I have contacted XXXX to dispute this information, but despite my efforts, the derogatory status remains unresolved. This false derogatory information is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported to credit bureaus must be accurate and complete. The ongoing presence of this incorrect information is damaging my creditworthiness and affecting my ability to qualify for credit at favorable terms. This has caused significant stress and inconvenience as I am currently in the process of applying for a mortgage. I kindly request COMENITYBANK/WAYFAIR to conduct a thorough investigation and instruct XXXX, along with XXXX and XXXX, to remove any derogatory remarks associated with this account from my credit reports. Ensuring the removal of this inaccurate information will help restore my credit standing and prevent any further harm. Your prompt attention to this matter is critical, and I would sincerely appreciate your cooperation in resolving this issue expediently. Thank you for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I am filing a complaint regarding my PayPal account, which has been permanently limited due to inactivity. My account has not been involved in any disputes, chargebacks, or violations of PayPal policies. The limitation appears to be solely due to inactivity, which I believe does not justify a permanent restriction without the opportunity for review or reactivation. I have contacted PayPal customer support, but I have only received generic responses stating that permanently limited accounts can not be restored, without providing a clear explanation or offering any review process. I am requesting : 1. A clear explanation of the specific reason and policy basis for the permanent limitation 2. Confirmation of whether my account was reviewed by a human or solely restricted by an automated system 3. The opportunity to have my account reviewed and potentially reinstated upon verification I am willing to provide all necessary identification and documentation to comply with PayPals policies. I believe this situation lacks transparency and fair process, and I respectfully request a proper review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
" My Chase credit card ending XXXX has been charged by XXXX XXXX every month from XX/XX/XXXX through XX/XX/XXXX for an account held in someone else 's name. The charges are unauthorized I am not the XXXX account holder. I have placed a stop payment with Chase as of XX/XX/XXXX and sent a demand letter to XXXX. I am filing this complaint to ensure the unauthorized charges are reversed and Chase honors the dispute. Net amount in dispute : {$2600.00} across 31 transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: Sequium Asset Solutions, LLC
State: NV

Complaint narrative:
I got a derogatory on my credit report no contact was ever made to me this is a inaccurate summary statement and does not follow contract I signed therefore is not valid and should immediately be removed from my credit report I dispute the validity of this debt. The documentation provided is insufficient. While a lease agreement was provided, the charges listed have not been properly validated. The utilities and services addendum requires that charges be calculated using specific allocation formulas, yet no billing statements, formulas, or calculation methods were provided. This account is being reported without proper validation. The furnisher provided only a lease agreement and a summary statement. They failed to provide : * Utility billing records * Allocation formulas required under the lease * Itemized calculations supporting the balance Additionally, charges listed do not align with the lease agreement. Because the debt can not be verified with sufficient documentation, it is being reported inaccurately in violation of the FCRA. I am requesting this account be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing this complaint regarding a newly reported collection account by Credence Resource Management, which was added to my credit report on XX/XX/year>. I do not recall receiving any prior notice of this debt before it was reported to the credit bureaus. This raises concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( a ), which requires that consumers be provided with a written notice of the debt within five days of initial communication. Additionally, this account has been reported without sufficient verification of its accuracy. Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to ensure the maximum possible accuracy of any information reported ( 15 U.S.C. 1681e ( b ) ) and must conduct a reasonable investigation when a consumer disputes information ( 15 U.S.C. 1681i ). At this time, I am formally disputing this account in its entirety. I am requesting that Credence Resource Management provide the following : Full validation of the debt, including documentation showing that I am legally obligated to pay this account A complete accounting of the balance, including how the amount was calculated Documentation from the original creditor showing that this debt was validly assigned or transferred to Credence Resource Management Proof that all required notices were sent to me in accordance with the FDCPA If Credence Resource Management is unable to provide complete and verifiable documentation supporting this account, I am requesting that this account be deleted from my credit report immediately. Furthermore, if this account was reported without proper validation or without providing the required notice, it may constitute a violation of federal law. I expect a thorough investigation into this matter and appropriate corrective action. I reserve all rights under the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 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: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I submitted a PSLF buyback request through the Department of Education on XX/XX/year>, with an expected processing time of 35 weeks. I followed up in XX/XX/year> and have received no response or status update. I am at or near eligibility for Public Service Loan Forgiveness, and the delay in processing this request is preventing resolution of my loan. I am requesting immediate review and processing of my PSLF buyback request.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CCM Finance LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverified credit reporting by ( CCM FINANCE LLC ) in connection with a vehicle repossession being reported on my consumer credit file. Despite multiple disputes submitted to both the consumer reporting agencies and the furnisher, the company continues to report a repossession without providing competent evidence to substantiate the accuracy, completeness, or legal compliance of the tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
About 5 weeks ago, I opened American Express complaint related to purchase protection claim XXXX. On XX/XX/year>, I called American Express to get an update, they refuse to give an update or to resolve it. I have provided them all the information they asked for to process the claim but there has been no resolution. I also tried to reach them via e-mail but they responded saying that they won't give an update and did not tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Noticed that ( LVNV FUNDING ) a debt collector placed numerous accounts on my consumer report naming themselves as the original creditor when it clearly states that the account was charged off and placed in the profit and loss column off original creditor, if this is true, the original creditor has committed fraud by selling the debt to LVNV because that constitutes a double recovery they did not send me a 1099c when IRS law clearly states any charge off over {$600.00} is to be treated as income, which means LVNV is trying to collect income from me that should be on my taxes The original creditor took the loss and I have to eat the loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-04-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc.
State: NY

Complaint narrative:
I am formally disputing this account as identity theft and requesting that it be closed immediately and not reported to any credit bureau. On XX/XX/XXXX, I received an email from American First Finance indicating that XXXX documents had been completed for an account. I did not open this account, and this activity was not authorized by me. Within the same XXXX period, I also received emails from multiple other companies regarding account applications. Those companies rejected the applications, as the information used did not match my identity. On XX/XX/XXXX, I took immediate action by placing a freeze on my credit and contacting all involved companies to report the fraudulent activity. Despite this, on XX/XX/XXXX, I received a billing statement from American First Finance for {$65.00}. I have continued to receive billing reminders since that date. On XX/XX/XXXX, I received communication from American First Finance stating that their investigation concluded the account was valid. This is incorrect, as I did not open or authorize this account. I am requesting that this account be recognized as identity theft, closed immediately, all charges removed, and confirmation provided that it will not be reported to any credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-28 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: FL

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
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I request validation of the alleged debt referenced in your recent communication, including the name of the original creditor, the total amount owed, documentation establishing my responsibility for the debt, and proof that your company is authorized to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This XXXX debt was paid through XXXX XXXXXXXX XXXX program, but the payment was not properly applied to my tenant ledger by the property. As a result, the account was sent to collections and is now being reported unpaid. I do not owe this balance, XXXX at XXXX received a payment of XXXX and the landlord cashed the check on XX/XX/2021 i have supporting documents from XXXX XXXX XXXX I've requested numerous of time for the original lease agreement, Payment ledger and proof of payment and have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
To Whom It may Concern. Dear CFBP XXXX, Please help me this issue keep on coming up on my credit report due Identity Theft. The original creditor was XXXX XXXX saying I owe them {$2300.00} when I checked it was XXXX company that not even have service in XXXX. I XXXX XXXX XXXX even know this company. I filled report to CFBP, FTC, and XXXX. ( with supporting Document ). it was cleared and removed from my credit report. but XXXX XXXX keep on sell my information to XXXX collector company. It's been XXXX times already. they sent me document somebody in XXXX XXXX open account under my name. I never live in XXXX XXXX nor have any friend or family in XXXX XXXX. Please XXXX XXXX help me resolve this on going problem that really ruin my life mentally and Financially. I will provide you with supporting documents bellow. from previous complaint. the XXXX XXXX XXXX XXXX is Harris & Harris. Thank you. so Much Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION
State: VA

Complaint narrative:
Sallie Mae increased my loan XXXX from 4 % to 9 % and 12 % on loans ending in # XXXX and # XXXX. The next payment date is on XX/XX/year>, and I am not able to afford these increased rates and still afford rent, gas, food, and other essential living expenses. I went from paying {$380.00} per month to {$720.00} per month. I have been trying to refinance, but because of a late payment with Sallie Mae ( that has since been paid ), I am finding it difficult to refinance my loan to a fixed reasonable rate. They have acted predatorily and this is not right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I called PayPal the associate transferred me to fraud department. The fraud associate spoke very fast and sometime in a language other than XXXX making it hard to fully understand. The associate would not give me any information other than her name XXXX and to say the amount spent on the XXXX and the line of credit. She stated I would receive information in XXXX business days and they would at some point remove the accounts from my credit report and at this time I was not liable for making payments on the accounts. As I filed today I do not have any documentation. However, I did report fraud to the credit bureaus and froze my credit. I will also be placing a police report. I am unsure of where the billing statements were going as they would not give that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-28 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: CO

Complaint narrative:
I am filing this complaint against XXXX XXXX for a violation of the Fair Credit Billing Act ( XXXX ). I purchased an item on XXXX for {$500.00}, but it was never delivered to my authorized address ( XXXX XXXX XXXX XXXX XXXX ). The merchant provided tracking that shows a " delivered '' status in my zip code, but the package was signed for by a business called " XXXX XXXX. '' I have contacted that business and confirmed they do not have a package for me. Furthermore, the official XXXX portal shows the documentation for this delivery is " Incomplete '' and unresolved. XXXX has repeatedly " flip-flopped '' on this dispute, initially granting a credit and then revoking it. They are refusing to perform a manual review of the signature mismatch and the incomplete XXXX status, choosing instead to rely on a generic zip-code scan. I am requesting a permanent reversal of the charge and for XXXX to notify the credit bureaus to remove the " disputed '' status from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX Credit card promised XXXX $ cashback bonus if XXXX spend in first XXXX days. account was opened on XX/XX/XXXX, I completed the spend requirement during first month. I have paid off my balance in full effective XX/XX/XXXX ; Account was closed without reason by XXXX and company has failed to pay the bonus. There is nothing in the terms and conditions stating that if the account is closed by XXXX that my bonus is forfeited. I want to ask the bonus to be paid before i submit a small claims court case against the company

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 2026-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/year>, due to an unrelated issue I mistakenly disputed a XXXX dollar transfer from my bank XXXX to a chime checking account ( I meant to dispute a different charge through chime ). I immediately canceled this dispute through my bank. I was somehow still charged the XXXX dollars in a debit card chargeback from chime. I have called XXXX times and have received no help whatsoever they tell me to email there non existent email, they have made me do a conference call with XXXX none of which works. Their customer service is AWFUL and refuses to help or understand the problem. Put simply they owe me XXXX dollars that they charged my account for no reason.

Company response to consumer: Closed with explanation