vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: St John Rossin & Burr, PLLC
State: FL

Complaint narrative:
This is in addition to previous submissions here regarding a lien on my property from excessive fees in addition to standard condo monthly maintenance fees. A LIEN was place on my property while still in the month of XXXX OF 2026 WITH ADDITIONAL FEES PLACED FROM THIS THIRD PARTY DEBT COLLECTOR HIRED BY THE MANAGEMENT OFFICE OF MY ASSOCIATION. THE PAST YEAR I'M PAYING EXTRA FEES THAT ARE NOT EVEN GOING TO THE ASSOCIATION OF MY CONDO, THIS DEBT COLLECTOR TAKES THEIR FEES OFF THE TOP LEAVING A BALANCE DUE TO THE ASSOCIATION AND NOT SHOWING I'M ACTUALLY PAYING, WHILE CURRENT WITH MY DUES. THIS IS AN AGRESSIVE ACTION AND A VICIOUS ONE. I LIVE IN MY CONDO FOR THE PAST 15 YEARS. THE MANAGEMENT COMPANY XXXX NEVER FOLLOWED PROPER PROCEDURES WITH STANDARD LETTERS GIVING ME A CHANCE TO PAY, RATHER THEY TURNED ME OVER TO THIS COLLECTION AGENCY. FOR THE PAST YEAR I'VE PAID OUT JUST IN EXCESSIVE FEES, OVER {$4000.00} TO THIS DEBT COLLECTOR XXXX. OF XXXX XXXX XXXX FL. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX THE FORUM. NOW THEY WANTED ME TO PAY ANOTHER {$1500.00} DOLLARS TO CLEAR A LIEN THEY JUST PUT ON WITHOUT ANY PRIOR PRE- LIEN NOTICES. BUT THREATENING FORECLOSURE AND DEMANDS OF PAYMENT. I QUESTION THIS ACT AND TO ME ITS CLEARLY A REDFLAG. UNITS IN MY COMMUNITY ARE EMPTY CAUSING THE REST OF OWNERS TO PAY EXTRA FEES FROM THIS DEBT COLLECTOR. WHILE I RECENTLY PAID THEM A CHECK UNDER " DURESS '', XXXX THEIR PARALEGAL " STATES THEY NEVER RECEIVED THE CHECK. WHICH IS A WEEK AGO THE CHECK WAS MAILED. I CLEARLY AT THIS POINT DON'T KNOW WHO I AM DEALING WITH, NEVER MET THESE PEOPLE AND HANDING OVER CHECKS TO THEM FOR THE PAST YEAR, CREATING A SENSE OF PANIC AND FEAR IN ME. THEY ALSO HAVE BOGUS PHONE CALLS WITH ROBO RECORDINGS STATING DOC. NUMBERS WITHOUT SAYING WHO THEY ARE OR WHO THEY ARE CALLING FOR, WHICH IS A REDFLAG TO ME. REAL ATTORNYS DO NOT DO THINGS THAT WAY. I QUESTION THEIR ETHICS. I'M FILING FOR A POLICE REPORT AND STOPPING PAYMENT ... SEE ATTACHED CHECK FOR THE LIEN. {$1400.00}

Company response to consumer: Untimely response
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: KY

Complaint narrative:
Sat XX/XX/XXXX I have been scammed out of XXXX and my bank wouldnt do anything about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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:
XX/XX/year> {$790.00} disputed multiple times and asked to sent validation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Bitstamp USA, Inc.
State: IL

Complaint narrative:
On XX/XX/year> while I was trying to make a withdrawal from my Bitstamp account, they ended up disabling my ability to withdraw my funds from the account. I have been calling the support team since, and they have told me the same thing over and over, that we have escalated it to the security team and whenever we get an update we will reach back out. It has been over two months now and nothing has changed. I should have the right to know when my funds will be available for withdrawal, and Bitstamp isnt telling me anything at all. Please help me, this is urgent.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: NJ

Complaint narrative:
I am writing in response to your communication regarding the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am formally requesting validation of this alleged debt.

I dispute this debt in its entirety and request that you provide proper validation. Specifically, please provide : The name and address of the original creditor.

The full account number associated with the alleged debt. 


A complete itemization of the amount claimed, including principal, interest, fees, and any other charges. 


Documentation bearing my signature that demonstrates I agreed to assume this debt. 


Proof that your company is legally authorized to collect this debt in my state. 


A copy of any assignment or transfer documents showing that your agency has the legal right to collect on this account. 


During the validation period, you must cease all collection activities, including reporting this account to any credit reporting agencies, until you provide the requested documentation. If this account has already been reported to any credit bureau, including XXXX XXXX XXXX XXXX  and you can not provide proper validation, I expect the account to be promptly removed. 
If you fail to provide the requested validation, please confirm in writing that this account has been closed and that no further collection activity will occur. 
This letter is not an acknowledgment of liability for this alleged debt and does not constitute a refusal to pay. I reserve all rights under federal and state law. 
I expect your response within the time frame required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'Being a victim of XX/XX/XXXX,they,the Bank of America Mortgage identified my residential house zone for Mortgage deferrence for XX/XX/XXXXmonths .They registered me for Mortgage Modification that the process from XX/XX/XXXX to XX/XX/XXXX was too cubersomeand finally the Bank granted us the approval with 3 separate Congratulatory letters for our loan modification approval by meeting also their 3 Trial Payments from XX/XX/XXXX to XX/XX/XXXXThen finally they sent us a Notary Public documents to sign and we did which was sent by UPS next day and confirmed by 3 staff members of the Bank that everything was ok until one disgruntled staff who didnt like my accent came up with this idea that my signature is irregular with  a Jr . Signed behind my signature which I tried to explain that is my signature and my wife explained to no avail\nPlease check my signature from same bank attached for your comparison and verification\nAlso see the Schedule of Payments assigned to me starting this XX/XX/XXXX which I have paid \nNow this disgruntled staff is telling us that our modification approval is declined and unapproved \nThis is unprofessional and inhumane to humanity\nAn approval granted to my house ofXX/XX/XXXXyears for modification and a staff wants to ruin my life psychologically \nI am going to XX/XX/XXXXyears. In my XX/XX/XXXXbed now to get this mess\nPlease intervene urgently and lets get from Bank of America how much we will pay  the approved modified amount of XX/XX/XXXXper month onXX/XX/XXXX XX/XX/XXXX\nThanks for your supportXX/XX/XXXX XX/XX/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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: PA

Complaint narrative:
Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request i validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
XXXX XXXX began contacting me only after my Apple Card account was deleted from all three credit bureaus due to Goldman Sachs Bank USAs failure or refusal to verify the tradeline. After the bureaus deleted it, the account was suddenly transferred or sold to XXXX XXXX, which appears retaliatory and designed to continue collection activity despite the prior deletions. 

XXXX then began sending me repeated text messages threatening that my account would be reviewed for referral to a law firm in my state if I did not respond. These messages were sent before any mailed validation of the debt and continued even after I sent XXXX a certified dispute/validation letter. They have not responded to my letter, but they continue threatening legal escalation through XXXX 

This conduct violates the FDCPA, including threats of legal action they have not validated, continued collection after a dispute, and deceptive implications that attorney involvement is imminent. The timing also raises concern that Goldman Sachs transferred the account only after being unable to verify it for the credit bureaus. 

I am requesting that the CFPB review XXXX threats, require proper validation, stop all SMS communication, and investigate the transfer of the account after its deletion from all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am filing a complaint against XXXX  for failing to properly investigaie my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXXs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.

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 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
My issue is with the collection company by the name of Credence. I do not know what debt they are trying to collect on, but they have resorted to trying to call me multiple times a day. Just today, XXXX XXXX, they tried calling me about 11 times alone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am submitting this complaint regarding a possible ATM short-dispense incident involving a Bank of Americaowned and operated drive-thru ATM. 

On XX/XX/year>, at approximately XXXXXXXX XXXX I attempted to withdraw USD XXXX from a Bank of America drive-thru ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, IL. Although the transaction completed successfully and my account was debited USD XXXX ( including the ATM fee ), the machine physically dispensed only one USD XXXX bill. 

I verified the dispensed cash immediately while still at the ATM and before leaving the drive-thru lane. Other individuals were present in my vehicle and witnessed that only USD XXXX was dispensed. 

I am a Bank of America account holder and used a Bank of Americaoperated ATM. The card used was a Visa Debit card issued by XXXX XXXX XXXX ( XXXX ). 

I reported the issue through my card-issuing bank. The dispute was declined based solely on the ATM journal indicating a successful dispense, without confirmation of physical cash reconciliation. Visa has since closed the case, and the issuing bank can not pursue further chargeback actions. 

I contacted Bank of America customer service, visited a branch in person, and was connected to the fraud department. No fraud claim could be opened because this is not an unauthorized transaction. I was referred to an investigation department, but no formal operational review or claim has been opened so far. 

As the owner and operator of the ATM, Bank of America is the only entity with access to ATM surveillance footage, dispense logs, and cash reconciliation data needed to determine whether a short-dispense occurred. 

I am not alleging fraud and not requesting a chargeback override. I am requesting that Bank of America conduct an operational review of this ATM transaction, confirm whether a cash discrepancy or overage occurred, review available surveillance footage, and confirm that relevant evidence has been preserved.

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 2026-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Was enrolled in OOPS with Navy Federal Credit Union and fees were still taken out. Accounts were closed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I

disputed a repossession with the credit bureaus and the furnisher. The furnisher failed to provide legally required documentation to verify the repossession, including Notice of Default, Right-to-Cure Notice, Notice of Intent to Sell , and post-sale deficiency documentation. The credit bureaus verified the account without receiving proper proof. This violates FCRA 602, 611, and 623. I am requesting that the CFPB require the furnisher to provide documentation or instruct the credit bureaus to delete the repossession from my credit report due to lack of verification and incomplete reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
Along with failing to respond to my request for validation of the alleged debt in the amount of {$340.00}, and then reporting the account as " in collections '' without validating the debt as requested, Jefferson Capital reported the account with XX/XX/XXXX as the date the account was opened, but their initial contact email was sent to me on XX/XX/XXXX. 

The initial email also states that if I contacted them by XX/XX/XXXX, they must stop collections on the debt until it has been verified that I owe the amount in question. I requested verification on XX/XX/XXXX, the debt has not been verified, and they have reported the account as " in collections, '' with an open date that is earlier than when they initially contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am filing this complaint against [ Experian ] for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

Despite my request for a " reasonable reinvestigation, '' the company has : Refused to provide the specific documentation used to verify the account.

Under 15 U.S.C. 1681i ( a ) ( 5 ), if an item is challenged and can not be verified, it must be promptly deleted. The companys failure to do so is a willful non-compliance with federal law. I am requesting that the CFPB compel XXXX XXXX XXXX to provide the proof of claim or delete the inaccurate data immediately.

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 2026-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: OR

Complaint narrative:
I am filing a complaint against GoodLeap regarding unresolved billing errors related to my solar loan. 

My solar system was not functioning for a period of time. Repairs have now been completed. However, several billing errors remain unresolved. 

The following amounts are still owed to me : XXXX : {$91.00} ( duplicate payment ) XXXX : {$87.00} XXXX : {$87.00} XXXX fee : {$4.00} ( improperly charged ) Total amount owed : {$270.00}. 

I have made multiple phone calls and sent written communication, but no resolution has been provided. An investigation was opened months ago, but I have received no written update or timeline. 

I continue making my monthly payments on time to avoid damage to my credit. However, GoodLeap is withholding {$270.00} while failing to resolve the issue. This creates an unfair financial burden. 

Regarding the two-year review provision : My contract references a possible system performance review or re-amortization after two years. However, my current dispute does not concern long-term system performance adjustments. 

The amounts in dispute including the duplicate XXXX payment and improper fees are billing errors that require immediate correction and are not subject to any two-year adjustment provision. 

I respectfully request : Immediate refund of {$270.00} Written confirmation that all billing errors have been corrected Written confirmation that my account will not be reported negatively to credit bureaus while this dispute is under review A formal explanation for the prolonged delay Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am submitting this complaint regarding a debt collection attempt by Harris & Harris XXXX Ltd. for an alleged debt of approximately {$48.00} related to the Florida Department of Transportation. 

I received a collection notice dated XX/XX/year>. I do not recognize this debt and was not previously notified of any outstanding balance by the original creditor. 

I have not received sufficient documentation proving that this debt is valid or that I am legally responsible for it. The notice does not include adequate details such as specific dates of service, proof of obligation, or evidence linking me to the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I requested validation of the debt. However, I am concerned that this debt may be inaccurate, improperly assigned, or reported without proper verification. 

I am requesting that the company provide full validation of the debt, including : - The original creditor information - A detailed itemization of the charges - Proof that I am responsible for this debt If the company can not provide this information, I request that this debt be removed and that all collection efforts cease immediately. 

In addition, the information provided by the debt collector is inaccurate. The name and address listed on the collection notice do not match my correct personal information. 

This raises serious concerns about whether this debt actually belongs to me. The incorrect identification suggests that this account may have been assigned to the wrong person or is the result of inaccurate or insufficient data. 

Due to these discrepancies, I dispute this debt and request immediate investigation. The company must provide clear evidence linking me to this debt. If they can not do so, I request that the account be closed and all collection efforts stop immediately. 

Furthermore, I request that this account not be reported to any credit reporting agencies, or if it has already been reported, that it be removed. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation