vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: NH

Complaint narrative:
I am filing a complaint regarding inaccurate and unverified credit reporting by National Recovery Agency. The accounts being reported originate from alleged XXXX XXXX provided by XXXX XXXX XXXX XXXX in XX/XX/2024. These accounts were previously placed with XXXX XXXX XXXX XXXX, where I disputed the debt and did not receive proper validation. The documentation provided consisted only of billing summaries and did not establish a legal obligation to pay. The same alleged debt has now been reassigned and is being reported again by National Recovery Agency as two separate collection accounts in the amounts of {$980.00} and {$1500.00}. Both accounts appear under the same account number ending ( XXXX ), yet are reported as separate collection items with different balances. This strongly suggests duplicate or improperly split reporting of a single underlying debt. Additionally, these amounts are inconsistent with the underlying billing records previously provided, which reflected different figures, including approximately {$600.00} and {$71.00}, along with adjustments and entries indicating amounts transferred to collections or reduced to {$0.00} balances. The current reported balances do not reconcile with those records. I disputed these accounts directly with XXXX, and they were marked as verified and updated. However, XXXX did not remove the accounts despite the inconsistencies and did not address the duplicate/split reporting or mismatched balances. The information remains inaccurate. I also sent a certified dispute letter directly to National Recovery Agency requesting full validation, including itemized billing and a complete chain of assignment. I have not received proper validation. Specifically, I have not received : A complete itemized bill from the original provider Documentation establishing my legal obligation to pay A full chain of assignment showing transfer of the debt Given the inconsistent balances, duplicate reporting, lack of validation, and prior dispute history with another collection agency, I believe this constitutes inaccurate and misleading credit reporting and a failure to conduct a reasonable investigation. I am requesting that these accounts be fully investigated and removed from my credit report if proper documentation can not be provided. The alleged debt being reported by National Recovery Agency is the same account previously reported by XXXX XXXX, as confirmed by identical reference numbers and dates of service. However, the underlying medical billing records show materially different amounts, including {$600.00}, {$980.00}, and other adjusted balances, which do not match the amounts being reported to the credit bureaus. This demonstrates inaccurate and inconsistent reporting of the same alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Avant Holding Company, Inc.
State: MI

Complaint narrative:
This card was opened In my name. This is not my card or do I know who opened it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: CO

Complaint narrative:
I am filing a complaint against PayPal regarding my account, which was permanently limited. PayPal informed me that my funds would be held for XX/XX/XXXX days. That period has already passed, but I have not been given any option to withdraw my remaining balance ( approximately {$10.00} ). I have contacted PayPal support multiple times and have not received any clear explanation or resolution. I am simply requesting access to my funds, which belong to me. I kindly request that PayPal provide a way for me to withdraw my balance immediately or give a valid explanation for the continued hold. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I spent XXXX separate days on calls, most recently XXXX hours on XX/XX/XXXX - was transferred XXXX different times, and ultimately ended up talking to someone named XXXX XXXX XXXX who knew absolutely nothing. Refused to give me a XXXX call back. Context - starting in XXXX, then XXXX, then XXXX, someone has stolen my XXXX account details and is fraudulently attempting charges BEFORE the card is even activated. I call USAA, they just issue a new card, before the new card even arrives - more fraudlent charges are attempted. I cant even activate the card or use it at this point. Most recent XXXX were XX/XX/year> and XX/XX/XXXX. Which I called both XX/XX/XXXX, and XX/XX/XXXX. XX/XX/XXXX was useless, I spent XXXX hours on the phone, transferred from regular service to security XXXX to credit card services to member resolution to fraud. Noone could do absolutely anything. The fraud rep, XXXX, was so uneducated on the issue, put me on hold 4 times, tried to blame my wife ( who is an authorized user # XXXX ), which makes XXXX sense because first off itd not my wife, second, a scammer is stealing the information BEFORE the new cards even arrive and are unactivated. They arent even out of the envelope. He REFUSED no matter how many times I asked for a manager call back. It was the most absurd thing ive ever dealt with. Usaa has done nothing to fix this and ive talked to every single dept and Noone will give me someone actually in charge who can do something, so now im stuck with a credit card thats permanently in a fraud loop, and its useless to use.

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 2026-05-03 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/year> I booked a vacation package through XXXX. I used my Apple/Goldman Sacs credit card and paid {$620.00} for a XXXX stay at XXXX XXXX XXXX, XXXX . A few weeks before the trip I had called and confirmed my stay and the resort voluntarily told me that all the amenities at the resort were not going to be available to me because of construction. The water park which is the reason I decided to book this place was not going to be available. So immediately I wanted to cancel my stay there and get a full refund. The resort said I had to contact XXXX who I had booked the trip with. I said ok and contacted them. They refused to give me any refund. Their policy and advertising for this resort is " Fully Refundable '' 24 hrs before the stay. XXXX policy even states the same. I then contacted my credit card company, provided them all the details and documentation and they refused as well, saying I have to go back to XXXX for the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
On or around XX/XX/year>2026, I sent a money transfer via Western Union (XX/XX/XXXX XXXX ) to an intended recipient in XXXX, XXXX, XXXX. Shortly after the transfer was sent, my Western Union app showed the status as " Received, '' indicating the funds had been collected. However, my intended recipient confirmed to me that she did not pick up the money. I contacted Western Union 's customer support via chat on XX/XX/scrub> 2026. A chat agent confirmed that the transfer was picked up in XXXX, XXXX, XXXX on XX/XX/year> at XXXX. Since my recipient denied collecting the funds, I reported this as a potential unauthorized pickup. The agent opened an investigation under reference number XXXX and I selected Option XXXX to have my transfer fee refunded and the funds resent to my intended recipient at no additional cost. I was told I would receive updates via email regarding the investigation. I followed up by phone on approximately XX/XX/year>2026, at which point a Western Union representative acknowledged that I had not been receiving the promised updates, stated he would escalate my case, and assured me I would receive an update within XXXXXX/XX/XXXX As of the date of this complaint, I have received no communication, no resolution, and no update from Western Union. I believe the funds were collected by an unauthorized individual, which constitutes fraud. Western Union 's failure to investigate in a timely manner, communicate updates as promised, or provide any resolution is causing me ongoing financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have a credit card with capital one balance XXXX I paid the balance every month never been late my account was closed without my knowledge, I paid XXXX dollars on that XXXX credit limit on XX/XX/scrub> 2025 bring that remaining balance to XXXX now the balance i was given is XXXX that's XXXX above even the original credit limit I need documents on how that amount was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I spoke with CARECREDIT regarding the interest of {$1200.00} they hit me with. I was not aware of this charge and I have been a good customer with auto payments every month. I entered into this with knowledge that it would be avoided if I made on time payments which I have made regular and good faith payments. However, I was not clearly adequately notified or informed that failure to pay the balance in full all the interest would result in all accumulated being added retroactively. This has caused significant financial hardship as I am on a fixed income at XXXX XXXX XXXX. I never avoided payments since it was on auto pay every month, I contacted CareCredit directly to request a review and possible adjustment but they declined and only offered me 30 days to pay the whole balance.

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 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I reported fraud to my bank and did all the necessary steps they asked me to do and sent them all the documentation. My bank is SoFi. After consulting with both XXXX, they said they are unable to refund the money back to me and to consult with my bank. SoFi then said they can not refund me the amount to me after initially saying they could help me. Please see the attached documents that include conversation between SoFi and XXXX, timeline, police report and witness statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This is unfair and unjust and this should not be happening at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: KEYCORP
State: CT

Complaint narrative:
I had submitted my pre approval request online on their website while I was talking to the lender. She thinks it was done with the old lender I had but it wasnt. I didnt do it at all with him. I did it online on the keybanks website pre approval and there is a hard inquiry on my credit now but the lender told me she cant see it and is now ignoring me when I contact her. She wants me to do it again which confuses me because I already did it on the bank website while I was talking to her and keep trying to tell her that she wont believe me. Well its on my credit and it was a hard inquiry done and I dont want to affect my score by doing it again because now what if she cant see it? I am confused why cant she see it I did it on the Key banks website while I was talking to her she should be able to. She also wasnt good at answering my questions to help me through the process I had to ask another lender how to fill out the form from a different company. I wanted her to answer my questions but she wouldnt even respond to the emails she told me to send her. I talked to my financial advisor at the company too that I have and he tried to explain things to me but I still dont understand why she cant see my credit report and if I submit it again will she not be able to see it? Also why doesnt she answer my questions she has me send them to her in an email and she doesnt answer them? I want a different lender so I went with a different company with someone who walks me through the process and helped me fill out the forms. But its going to stay on my credit report for two years now and she said she cant see the score!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cawley & Bergmann, LLP
State: AL

Complaint narrative:
I am submitting this complaint about an alleged XXXX debt reportedly sold to XXXX XXXX. I previously requested validation of the alleged debt. In response, I received account information for a different consumer, which did not verify that the debt, balance, payment history, or collection authority were tied to me. I then sent a XXXX validation request explaining that the prior response contained another persons account information and again requested proper validation, including the original creditor, account details, date of first delinquency, last payment date, itemized balance, payment history, and proof that XXXX owns or has authority to collect the debt. I have not received proper validation. I am concerned that the company is attempting to collect based on inaccurate or mismatched records. I am also concerned about inaccurate reporting or collection activity connected to this account, including disputed account dates and payment information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime keeps taking money off my card for no apparently reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
LOCKHART, MORRIS & XXXX is falsely reporting on my credit. I have never had accounts with them. Per my research, LOCKHART, MORRIS & XXXX is a debt collector.They are falsely reporting on my credit! Account - XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S. Code 16 of investigation consumer report, you are in violation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 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: IL

Complaint narrative:
On XX/XX/XXXX, a group posing as a real charity ( XXXX XXXX XXXX ) asked me if I would like to donate {$10.00} to their cause. I obliged, and in that process they took my phone and started tampering with my apps. I then received a receipt for the transaction stating I only paid {$10.00}. When I got home later that night, I was checking my emails and I realized I was scammed. The group posing as charity tried charging my card {$3000.00}, but I did receive an email saying that the charge was not able to charge to my card. On XX/XX/XXXX, I called XXXX because my account was suspended. They said they would initiate a fraud case. I explained that I did agree to a charge of {$10.00}, but not {$3000.00}. XX/XX/XXXX, I filed a police report with the XXXX Police Department. I explained to the police officers that a group posing as a charity asked me to donate {$10.00} to their charity and took my phone momentarily to tamper with my apps and emails. I explained to the XXXX Police Department that I felt threatened and that I was worried I would be hurt if I did not oblige. The police report number is XXXX On XX/XX/XXXX, XXXX called me and I shared the police report number with them. On XX/XX/XXXX, XXXX told me that I will be liable for the {$3000.00} charge to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-03 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: IL

Complaint narrative:
I have been dealing with this issue since XXXX. It started with Studentaid.gov updating their system between XXXX and XXXX of XXXX. My payments were not reported by XXXX and student aid.gov put me in forbearance. When the system update was completed, student aid.gov had me in forbearance. Doing this rendered my final payment ineligible. I then received a letter from student aid.gove that I met my payment and qualified for loan forgiveness. My forbearance was extended by them. Because of this communication from them, I kept extending my forbearance expecting my loan forgiveness to be completed. I was misled by student aid.gov Because the process was taking so long, I followed up only to find that I needed to qualify for XXXX programs to receive forgiveness. My XX/XX/XXXX was overpaid by XXXX payment and my XX/XX/XXXX was underpaid by XXXX payment, so I was now XXXX payment short. On the advice of student aid.gov I applied for XXXX for the XXXX month short. I was sent a congratulations letter that I received it, again thinking my forgiveness would happen ; however, when I followed up on the letter, I was told that it was a mistake and I still needed to make XXXX payment. The customer service agent advised me to just make the payment because it was easier than fighting the system. I made that payment on XX/XX/XXXX to the department of education servicer XXXX. XXXX has never reported it and is now sending me to collections. Im at a loss on how to get through this issue, as it has been XXXX years of a very negative and confusing situation.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-03 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: LA

Complaint narrative:
XX/XX/scrub> 2025 Noticed unauthorized charges from XXXX {$84.00} {$160.00} Capital One states its past the time to report. These charges are not mine and should be corrected! When I go back and look at my charges on XXXX it does not show this charge but the charges were on my bank account?!?!?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC
State: NC

Complaint narrative:
I am formally disputing the accuracy and validity of a medical debt that has been reported on my credit file. I have never received proper notice of this debt from your company or the original creditor prior to it being reported. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as I was not given the opportunity to validate or dispute the debt before it was placed on my credit report. I am requesting full validation of this alleged debt. Specifically, please provide : 1. The name and address of the original medical provider. 2. The date ( s ) of service associated with this account. 3. An itemized statement of charges. 4. The date this account was assigned or sold to your agency. 5. Documentation showing I was properly notified of this debt prior to credit reporting. 6. Proof that you have the legal authority to collect on this account. Additionally, because this is a medical debt, I am requesting proof that any transfer or sharing of my personal health information was conducted in full compliance with HIPAA regulations. Please provide documentation demonstrating that only the minimum necessary information was disclosed and that all required authorizations or permissible disclosures were followed. If you are unable to provide the above documentation, this account must be considered unverifiable and must be removed from my credit report immediately. Furthermore, if this account continues to be reported without proper validation, I will consider it a willful violation of the FCRA and FDCPA, and I am prepared to pursue further action. Please investigate this matter and respond within the timeframe required by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation