vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Northstar Location Services, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding ongoing unlawful debt collection practices by Northstar Location Services LLC. 

On XX/XX/year>, Northstar Location Services LLC received my written debt-validation request sent via certified mail, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Illinois Collection Agency Act ( 225 ILCS 425 ).

Despite confirmed receipt of my certified letter, the company continued to place telephone calls to me attempting to collect the alleged debt without providing validation. 

The following calls were received after XX/XX/year>, constituting unlawful collection activity : XX/XX/year> at XXXX AM XX/XX/year> at XXXX PM XX/XX/year> at XXXX AM Each of these calls occurred after receipt of my written dispute and prior to any validation of the alleged debt. 

Continued telephone calls after receipt of a written dispute violate federal and Illinois law. Each call listed above constitutes a separate and distinct violation of the FDCPA and Illinois Collection Agency Act.

I also sent a Cease and Desist / Notice of Violations letter demanding that all telephone contact cease and that communication occur only in writing. Despite this, the calls continued.

This conduct violates, at minimum : FDCPA 1692g ( b ) Continuing collection activity after written dispute FDCPA 1692c ( c ) Failure to cease communication after written notice Illinois Collection Agency Act ( 225 ILCS 425/9 ) Harassing or abusive collection practices I am requesting CFPB assistance to require this company to immediately cease unlawful telephone contact, communicate only in writing, and comply with federal and Illinois law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc.
State: NC

Complaint narrative:
I am filing an error claim regarding my remittance transfer with reference number XXXX sent on XX/XX/XXXX to XXXX XXXX account ending in XXXX ( XXXX ). According to your app, the transfer is still In progress and the funds have not been delivered to the recipient as of XX/XX/XXXX. Under the Remittance Transfer Rule ( Regulation E, 12 CFR 1005.33 ), I am exercising my right to dispute an error within 180 days of the disclosed date of availability and I request a prompt investigation, a written explanation of your findings, and either completion of the transfer or a full refund of the total amount charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased an American Express Gift Card at XXXX with a {$500.00} balance, used it once and then I was told by American Express Gift Cards that the card was compromised because I tried to use it again too fast. So they agreed to send me a replacement card and asked for a picture of my ID. They sent a replacement card to the address on my ID, which is my old address, when I specifically told them to send it to my current mailing address, which they sent a replacement card no less than a month prior to this incident, because it was the second time this happened to me with this company. Now they're refusing to send me a card and they closed my case. They explained to me that I have to send proof of Address ( Bill etc. ) for them to send a replacement card to my current mailing address when they already sent a prior replacement card to the same address. So I sent them a pic of the envelope they sent to my current address with the first replacement card in it and now they're telling me that I have to wait 30 days for an answer. The XXXX XXXX XXXX. for my case is : XXXX. Their email is : XXXX and their phone number is : XXXX Below I am attaching images of : 1. My ID 2. The receipt of my purchase of the card from XXXX 3. The actual American Express Gift Card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
Ive been trying to withdraw money and add it to a XXXX XXXX account for days and now XXXX cant even get into my bank account. I live in Georgia. They dont have a branch in Georgia so theyre telling me I have to drive to Pennsylvania to talk to an a bank personnel to get access to my money. They have I have had to call XXXX times and not a single thing has been done to help me theyre just holding my money and I cant get it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I canceled a gym membership on the phone and by email, my membership with this gym XXXX of XXXX and then again on XX/XX/XXXX, because they randomly started charging my account again! 
Now theyre saying I owe them all these membership payments for a membership I closed years ago! 
And they sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S.B.S. Trust Deed Network
State: CA

Complaint narrative:
I am submitting this complaint due to continued unlawful collection practices by S.B.S. Lien Services ( SBS ), despite prior disputes and regulatory complaints. 

Although I paid the underlying HOA assessment balance under threat of lien/foreclosure, SBS continues to refuse to validate the collection fees it charged me. Specifically, SBS added pre-lien and collection fees but has repeatedly failed to provide documentation showing that the HOA was billed for, or actually incurred, those fees before SBS passed them through to me. 

Under California Civil Code 5650 and the XXXX Fair Debt Collection Practices Act, only actual costs incurred by the HOA may be charged to a homeowner. SBS has refused to provide invoices, billing records, or accounting proof that these fees were ever charged to the HOA. 

Instead, SBS has repeatedly attempted to deflect responsibility by stating that my dispute is now with the HOA because their internal file is closed. Closing a file does not eliminate a debt collectors obligation to substantiate fees it generated and charged.

Additionally : SBS charged a pre-lien fee, which constitutes the first step of the foreclosure process, while simultaneously denying foreclosure activity. 
SBS billed me for a XXXX assessment based on an outdated ledger, resulting in a duplicate payment. 
SBS responded to my prior CFPB complaint without addressing the most recent disputed collection letter or the core validation issues.

I believe SBS is engaging in improper fee inflation, failure to validate debt, and misleading representations regarding its legal obligations. I am requesting CFPB review and intervention.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I am filing this complaint against MRS BPO , LLC, acting on behalf of XXXX, XXXX, for failure to comply with federal and California debt collection laws regarding an alleged credit card debt. 

On XX/XX/year>, I sent a written request for validation of an alleged XXXX account ( ending in XXXX ), which MRS BPO acknowledged receiving on XX/XX/year>. I followed up with a second certified letter on XX/XX/year>, and a Final Notice on XX/XX/year>, which was received by MRS BPO on XX/XX/year>. 

Despite XXXX separate written requests, I have not received full validation as required under 15 U.S.C. 1692g ( b ). The only documents provided were monthly billing statements. They failed to provide : A signed agreement bearing my signature ; A full, itemized accounting of the alleged balance ; Proof of MRS BPOs legal authority to collect on behalf of XXXX. 

Furthermore, XXXX has continued to report the alleged debt negatively on my credit reports. As of XX/XX/year>, the tradeline reflects : {$3400.00} charged off {$1600.00} past due No indication that the account is disputed, despite my written notices. 

This may constitute a violation of : The FDCPA ( 15 U.S.C. 1692g ( b ), 1692e ( 8 ) ) The Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ) XXXX XXXX XXXXXXXX Fair Debt Collection Practices Act ( XXXXXXXX XXXX XXXX XXXXXXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CHERRY TECHNOLOGIES INC.
State: NJ

Complaint narrative:
Cherry XXXX XXXX. 
The company is refusing to issue a refund because I signed a no return/refund on a product a purchased and paid cash on the same day. The store can not provide a second no return/refund form for the item in question. I returned the item twice, I do not have the item, and after the way the store treated me, I do not want it. They are even telling me I should have communicated by a way I can not do to a brain injury, so I feel Im being discriminated against by the store and now the billing company. I purchase something in XXXX, received a damaged box, rejected the damaged box, and the store was closed for 6 weeks making it hard to contact anyone. That is why they dont want to issue the refund, they said I didnt contact anyone in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
Dear Caine & Weiner, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists, creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NV

Complaint narrative:
I am filing this complaint against InComm XXXX XXXX and the issuing bank, XXXX XXXX, for what I believe is a systematic pattern of " transaction friction '' designed to prevent consumers from accessing their funds. 

Deceptive Accessibility : Despite marketing claims that these cards are usable " anywhere XXXX is accepted, '' they consistently fail at the world 's largest retailer, XXXX. Even when following precise " XXXX XXXX XXXX '' instructions, the transactions are denied. 

Engineered Delays : Denials are not immediate. The transactions appear successful, only to fail 24 hours later. This delay prevents real-time troubleshooting and purposefully wears down the consumer 's resolve to use the funds. 

Non-Functional Support Portal : The companys official " Report a Problem '' link ( XXXX ) is a dead end. This appears to be an intentional barrier to prevent consumers from logging digital disputes, forcing them into massive phone wait times that manyincluding my wife, a teachercannot navigate. 

Unjust Enrichment : By creating technical hurdles at major retailers and disabling their online dispute system, a significant portion of card balances remain unspent. This results in millions of dollars in " breakage '' that unfairly benefits the issuer at the expense of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Radius Global Solutions LLC
State: CO

Complaint narrative:
This is not my debt i never opened this please get this off 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 non-monetary relief
Consumer complaint received 2026-01-07 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: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX pass online for {$170.00} specifically to attend a XXXX event. Upon arrival, my pass was scanned at the entry gate. After scanning, staff informed me the pass was insufficient for the event and directed me to a ticket window for an " upgrade. '' At the register, I was told I was paying an additional {$22.00} to " upgrade '' my existing pass for entry. I was never informed that I was being signed up for a separate, secondary membership. However, the {$170.00} for the original pass was not credited toward this new transaction, nor was it refunded at the time. 

The following month, I was charged a recurring fee of {$22.00}. It was only then that I discovered the merchant had not upgraded my original pass, but had instead opened a second, concurrent membership. 

I contacted XXXX XXXX to request a refund for the original, unused {$170.00} pass. The merchant initially claimed the pass was " used '' because it was scanned at the gate ; however, that scan was only performed to determine eligibility, and I was denied entry based on that scan. After further communication, the merchant admitted the error and provided a written confirmation stating that a refund would be processed within two weeks. 

When the refund never arrived, I filed a formal dispute with Discover. I provided Discover with the merchants written agreement to refund the charges. Despite this evidence, Discover ruled in favor of the merchant. Discovers justification was that the merchant claimed the pass was " used, '' ignoring the fact that the merchant had already acknowledged the error and promised a refund in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/year> Portfolio Recovery Services XXXX XXXX XXXX XXXX, VA XXXX Re : Account Number Ending in XXXX To Whom It May Concern, This letter is to formally notify you that I am requesting you * * cease and desist all communication * * with me regarding the above-referenced account. 

Pursuant to my rights under the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ( c ) ) * *, I am exercising my right to request that you stop all contact with me regarding this alleged debt. This includes, but is not limited to, communication by phone, mail, email, text message, or through third parties.

You are only permitted to contact me in the future for one of the following reasons : 1. To confirm that you will comply with this request and cease further communication ; or 2. To notify me of specific legal action you intend to take.

This letter is * * not an acknowledgment of liability * *, nor is it a promise to pay. I dispute this debt in its entirety.

Any continued communication from your organization that does not comply with the law may be documented and used as evidence of violations of federal and/or state law.

Please govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America reduced my credit limit immediately following a payment, without providing advance notice as required under the Truth in Lending Act and its implementing regulation, Regulation Z ( 12 C.F.R. 1026.9 ( c ) ). Notification of the credit limit decrease was sent only after the reduction had already taken effect, and the email notification was sent on the same day as the reduction, not in advance. This type of reduction has occurred multiple times on my account, not as a one-time event. 

This action constituted a material adverse change to my account terms. By lowering the credit limit immediately after a payment, Bank of America sharply increased my credit utilization ratio, which directly and adversely affects my credit score and borrowing costs. Under Regulation Z 1026.9 ( c ), creditors are required to provide advance written notice of significant changes in account terms that may adversely affect the consumer. A post-hoc email notification does not satisfy this requirement.

Additionally, I did not receive a timely adverse action notice identifying the specific reasons for the credit limit reduction or the principal factors relied upon, as required when credit is materially reduced. The timing and absence of advance notice prevented me from anticipating or mitigating the negative impact on my credit profile.

I am submitting this complaint due to the lack of advance notice, the absence of timely adverse-action disclosures, and the material harm caused by the immediate increase in utilization following a payment.

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 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$12000.00} XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXXBalance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXXBalance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$79000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXXBalance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$220.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$29000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$2000.00} DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXX-Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXXBalance : {$69000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDate Opened : XXXX : {$46000.00} XXXX XXXX XXXX XXXX XXXX XXXX  -Date Opened : XXXXBalance : {$0.00} UNAUTHORIZED INQUIRY PLEASE DELETE : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: TransferWise Ltd
State: IN

Complaint narrative:
I am writing to report an issue with an international money transfer made to my XXXX XXXX  XXXX XXXX account. On XX/XX/year>, I initiated a transfer of XXXX USD ( INR XXXX ) from the United States using the Wise platform. However, the amount has not yet been credited to my XXXX account in XXXX.

Company response to consumer: Closed with explanation