vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
i WAS LIVING IN XXXX XXXX XXXX AND MOVED XX/XX/year> AS MY MOM PASSED AWAY AND IT WAS DIFFICULT FOR XXXX TO MAINTAIN MY LIVING EXPENSES AFTER .XXXX FOR HER FUNERAL BECAUSE SHE HAD NO LIFE INSURANCE. i MOVED XXXX MONTH BEFORE THE END OF MY LEASE. I HAD NO DAMAGES TO MY APARTMENT AND PROVIDED A FORWARDING ADDRESS FOR MY SECURITY DEPOSIT. I CALLED TO FOLLOW UP ON THE XXXX AND WAS TOLD I WOULD NOT GET MY SECURITY DEPOSIT BACK BECAUSE I MOVED XXXX MONTH XXXX MY LEASE TERMED BUT I WOULD NOT BE CHARGED AN EARLY TERM FEE. I NEVER RECEIEVED ANYTHING FROM THEM STATING A BALANCE. I CALLED AND THEY STATED I WAS CHARGED FOR PAINTING. I ADVISED HOW CAN I BE CHARGED FOR PAINTING BUT I HAD NO DAMAGES PAINTING IS REGULAR MAINTENANCE AND NOT MY RESPONSIBILITY. XXXX NEVER INVOICED ME I DISCOVERD THE XXXX I PULLED MY CREDIT REPORT TRYING TO MAKE SURE EVERYTHING ON IT WAS VALID BECAUSE I WAS A VICTIM OF IDENTITY THEFT BUT THIS COMPANY HAS MADE FALSE CLAIMS AND DAMAGING MY CREDIT I DONT OWE THEM ANYTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing in response to your recent communication regarding the above-referenced account. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : 1. The name and address of the original creditor. 2. The full amount of the alleged debt, including an itemized breakdown of fees, interest, and charges. 3. Copies of any documents bearing my signature that show I agreed to this debt. 4. Proof that your agency is authorized to collect this debt in my state. Until you provide proper validation of this debt, I request that you cease all collection activity and communication regarding this matter. This letter is not a refusal to pay, but a request for verification. I expect your written response within the time frame required by law. Sincerely, -- - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: FL

Complaint narrative:
To Whom It May Concern : I am writing in response to your recent communication regarding the above-referenced account. I am requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : XXXX. The name and address of the original creditor. XXXX. The full amount of the alleged debt, including an itemized breakdown of fees, interest, and charges. XXXX. Copies of any documents bearing my signature that show I agreed to this debt. XXXX. Proof that your agency is authorized to collect this debt in my state. Until you provide proper validation of this debt, I request that you cease all collection activity and communication regarding this matter. This letter is not a refusal to pay, but a request for verification. I expect your written response within the time frame required by law. Sincerely, -- - XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I clicked an ad that said file for free.. I agreed to this company only because on the 5 days early they promise on the refund .. my refund was XXXX.. I did all the input myself and request no aid Im now being charged all most half my refund for what? Its free too file it said? My money still isnt here not even on the day the irs said it would there fore also no 5 days early moneyI demand a full refund and please look into these scam artists.. I this, XXXX XXXX tax group I mean thier entire XXXX profiles are fs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: MD

Complaint narrative:
I initiated a remittance transfer of {$100.00} XXXX XXXX XXXX XXXX ) through the Abound app ( operated by TClub Inc. ) on XX/XX/year>. XXXX XXXX XXXX XXXX The funds ( {$100.00} ) were debited from my bank account ( ending in XXXX ) on XX/XX/year>. As of XX/XX/year> over 15 days after initiation and 11 days after my funds were debited the transfer has not been delivered to the recipient in XXXX. The app status shows " Processing '' with a message that the transfer is " delayed '' and has been " escalated internally. '' No estimated delivery date is provided. The XXXX XXXXXXXX has not been credited to the recipient 's XXXX bank account, nor has a refund been issued to me. I have been unable to reach any human customer support representative. Abound provides no customer service phone number. Their in-app chat is an automated bot that provides scripted, unhelpful responses. I have received no meaningful communication or resolution timeline from the company. This appears to be a systemic issue. Numerous consumer reviews on XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX describe the same pattern : funds debited from XXXX accounts, transfers delayed for XXXX weeks, no delivery to recipients in XXXX, and no functional customer support to resolve the issue. I believe Abound has violated the Remittance Transfer Rule ( Regulation E, 12 CFR 1005.33 ) by failing to deliver funds by the disclosed date of availability and failing to provide adequate error resolution procedures. I am requesting either immediate delivery of XXXX XXXX to the recipient or a full refund of {$100.00} to my original payment method. Company : TClub Inc. ( d/b/a Abound ) Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was informed my account was closed due to an investigation with XXXX, which I am unsure of why the investigation began or when. I did not receive notice in the mail about the investigation, nor was I given a call about the accounts flag. I was informed to go to a bank to pick up my funds which I did so, unfortunately I forgot my ID. However that is not the issue- the issue is I was not given sufficient notice as to how long I had to retrieve those funds from my account. I spoke with a representative from Truist customer service on a recorded line. They did not inform me that after a certain amount of time the funds will be mailed via check. I am positive I am not the fist encounter with this issue. Not even an estimated time frame was given. They notified me they cut the check today but they will be holding it for XXXX business days instead of issuing it immediately and I can not go to the bank to pick up the funds. Again, I received NO telephonic or mail correspondences on the investigation or the closing of the account. This is extremely insensitive and unprofessional as the first of the month is approaching and I was not properly informed. I will be cancelling my husbands account with Truist.

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 2026-02-25 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: Block, Inc.
State: DC

Complaint narrative:
I paid a deposit of {$31.00} on Friday XX/XX/XXXX. The service appointment was for Monday XX/XX/XXXX @ XXXX. Day of the appointment, I had not heard from the stylist, & no address was provided. After reaching out via text and sending XXXX via XXXX. she later finally responded on XXXX with Hi you were refunded. I contacted cashapp support monday evening and initiated a dispute. I provided proof of appointment confirmation, proof merchant cancelled & claims they returned my funds which still have yet to be refunded. I have also reached out to merchant several times since but received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: DE

Complaint narrative:
I currently have an account listed in collections on my credit report and that is a direct result of identity theft. XXXX XXXX - Transworld System in the amount of {$1400.00} for an unpaid utility bill. I have never had a XXXX XXXX account, nor have I ever lived at the address listed on the account. I lived in XXXX, DE from XXXX XX/XX/year> and have only had town of XXXX XXXX. That address was XXXX XXXX XXXX XXXX, DE XXXX. Prior to that I lived in XXXX with a family member with no utilities in my name at all. I submitted a complaint for this same account on XX/XX/year> and it was removed from my credit profile. At that time I was able to provide a copy of my lease agreement along with a current utility bill to support my claim. I do not have that information now due to it me moving XXXX years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was made aware of auction date XX/XX/year>. Information was submitted for review and consideration of providing an extension for the auction date. The file has not been reviewed despite this matter being time sensitive

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 2026-02-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding, LLC has participated in buying debt in trying to force me to set up payments with them. XXXX XXXX does not sell any debt to any other third parties until you are properly notified. LVNV has incorrect information and now I have just received a letter threatening legal action. The letter will be attached for evidence. The total debt from XXXX XXXX is more than XXXX years old, invalidating any attempt from LVNV to collect any funds from me. The information, the amount and the fact that I'm being threatened with legal action constitutes a bad faith action and borderline extortion because of the repeated purchasing of other debt in order to force me into a payment plan. This also violates the FTCA Laws in place to protect consumers from debt XXXX attempting to purchase debt older than 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
As of XX/XX/year> I have been locked out of my Chase XXXX Banking account XXXX times in the past 3 months and have needed to spend over an hour on the phone each time to get the account unlocked. This time they are refusing to unlock the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you have specific legal grounds for removal : 1. Inaccuracy and False Representation Debt collectors are prohibited from misrepresenting the character, amount, or legal status of a debt. The debt and the company can not verify its accuracy through a reasonable investigation, they are legally required to stop reporting it and tell the credit bureaus to delete it. The company is reporting information that is [ inaccurate/unverified/outdated ]. Under the FCRA and FDCPA, they are prohibited from making false representations. Because they have failed to provide proof of the debt or correct these errors after my initial dispute, this item must be deleted to ensure my credit report is accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.

Complaint narrative:
This is a continuation of complaint ID COMPLAINT ID XXXX submitted on XX/XX/year>. I received a letter attached to an email from " Citi XXXX XXXX XXXX '' on XX/XX/XXXX with a wrong address. I attach the letter from Citi ( XXXX ) and my reply sent today ( XXXX ), also copies of my driver 's license with the three addresses I had in XXXX and bank statements from my XXXX account at XXXX ( XXXX XXXX XXXX XXXX XXXX ) reflecting payments made to Citibank XXXX ending in XXXX. I already attached all the at documentation in my reply to Citi.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
am filing this complaint for reporting inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The company is claiming a debt. I dispute this account because " I never opened this account, Under the FDCPA, debt collectors are prohibited from making false, deceptive, or misleading representations about a debt.f you dispute a debt and the company can not verify its accuracy through a reasonable investigation, they are legally required to stop reporting it and tell the credit bureaus to delete it. Debt Validation Rights : Under the FDCPA, if you request debt validation within 30 days of their first contact and they can not provide proof of the debt, they must cease collection efforts and often remove the listing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: TX

Complaint narrative:
For over a year I have been completely locked out of my account because of PayPals harmful practice of automatically forcing password resets whenever their system detects any suspicious activity. These forced password resets are a vulnerability which can be taken advantage of by reset barraging, preventing me from logging in to my own account even though I control the associated email and have XXXX enabled. I have contacted PayPal phone support many times over this period. Every call follows the same scripted troubleshooting. Multiple supervisors have told me the lock has already been removed or that unlocking is impossible, which is not true. I have provided all requested verification ( ID, linked bank details, old transaction history ) each time. As a direct result, I can not access my PayPal balance or send/receive any payments. This is causing ongoing financial hardship, including inability to engage with vendors or link to new services This is a clear exploitation of PayPals security policies against a legitimate account owner. Reference material : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that create d the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation