vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
Portfolio Recovery Associates , LLC c/o XXXX XXXX XXXX XXXX XXXX Re : Request for Reissuance of Refund Check XXXX, XXXX Account Number : XXXX Original Notice Date : XX/XX/XXXX Case Reference : United States XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX No. XXXX To Whom It May Concern : I am writing in reference to the letter dated XX/XX/XXXX, from Portfolio Recovery Associates , LLC regarding a refund issued pursuant to the Stipulated Final Judgment and Order entered on XX/XX/XXXX, in the above-referenced matter. 

I did not receive the referenced correspondence or enclosed refund check until XX/XX/XXXX, more than a year after the date of the notice. Due to this significant delay, the original check was not received within a reasonable timeframe and is no longer valid. 

Accordingly, I respectfully request that the refund check be reissued and mailed to my current address. Please advise if any additional documentation or verification is required to process this request.

If necessary, I may be reached by mail at the address above or by telephone. I appreciate your attention to this matter and look forward to your confirmation that a replacement check will be issued. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
I am filing this complaint due to the U.S. Department of Educations repeated mishandling and unreasonable delay in processing my Total and Permanent XXXX discharge application. 

I first submitted my complete XXXX discharge documentation in early XXXX. Since that time, the Department and its servicing agents have repeatedly claimed documents were lost, partially received, or unreadable despite the fact that all required documentation was submitted together each time. I have been forced to resubmit the same complete documentation at least XXXX times due solely to administrative error. 

My most recent application was submitted on XX/XX/XXXX and has remained in review. The Department has confirmed in writing that there is no time frame for completion. An indefinite review period after nearly XXXX years of repeated submissions constitutes an unreasonable delay and a failure to properly administer the XXXX discharge process as required under 34 C.F.R. 685.213. 

As a result of this failure, federally dischargeable loans continue to be reported on my credit reports, causing ongoing harm despite my full compliance with discharge requirements.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/year>, I sent {$3500.00} via XXXX from my Bank of America checking account to the intended recipients account. The transaction shows as completed with confirmation number XXXX. 

Between XX/XX/XXXX and XX/XX/year>, a related XXXX transaction appeared involving my savings account with confirmation number XXXX. This transfer was not authorized. 

The intended recipient has confirmed that no {$3500.00} was received during this period. Despite this, Bank of America continues to show the funds as sent. 

I contacted Bank of Americas XXXX department multiple times to report this issue as a system or posting error and requested a transaction trace or proof of receipt. The bank responded but did not provide a transaction trace, explanation of where the funds went, or proof that the recipient received the money. Instead, the claim was denied as overdue or for insufficient proof. 

This is not a mistaken or authorized transfer dispute. The funds were not disbursed as instructed. I am requesting a full investigation, correction of the error, and return of the missing {$3500.00}.

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: KS

Complaint narrative:
In XX/XX/year>, my email account was compromised through a phishing/social-engineering attack. Shortly thereafter, my Coinbase account was accessed from new devices and locations. Coinbases system blocked direct XXXX withdrawals, but the attacker converted my XXXX and other assets to XXXX and withdrew the funds in two transactions, draining my account. 

Coinbase sent automated security warning emails during this activity, indicating suspicious access. Coinbase even sent an email saying that due to suspicious activity - transactions will be delayed by XXXX days ( see attachment )! 

Despite these alerts, the withdrawals were allowed to proceed. I promptly secured my accounts, contacted Coinbase support, and filed reports with law enforcement ( including XXXX and local police ). 

Since the incident, I have repeatedly requested that Coinbase provide access logs, device/IP records, authentication and fraud/risk logs, and an explanation of how its security controls failed after warnings were issued. I also requested confirmation of any protections applicable to my Coinbase One subscription and whether my data was affected by Coinbases previously disclosed customer data breach. 

Coinbase has declined to provide the requested records or a substantive explanation, responding only with generic statements. This complaint is filed at the direction of legal counsel due to Coinbases refusal to disclose relevant information following a significant unauthorized loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am filing a complaint regarding a collection account reported by Portfolio Recovery Associates that is appearing on my credit report with inaccurate and incomplete information. 

Portfolio Recovery Associates has failed to provide documentation verifying ownership of the alleged debt, proof of the original account agreement, and a complete and accurate accounting of the balance. 

I previously disputed this account with the credit reporting agency, yet it was marked as verified without Portfolio Recovery providing sufficient validation as required under the Fair Credit Reporting Act. 

Because this account can not be properly verified and is being reported inaccurately, I am requesting that Portfolio Recovery Associates either provide full legal verification or remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OZK
State: GA

Complaint narrative:
My account was fraudulently used and I can not prove the person that used it but it now has my account where it is closed due to account abuse. Date of closure was XX/XX/year>. I have tried to with the company to at least pay it off so it can be removed from my record but they said there wasnt anything they could do. The closing amount was {$730.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
This acount was open by identity theft not met in tried numerous times to contact this company with no luck company refuses to prove ownership but still is allowed to put negative remarks on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Grow Credit Inc
State: GA

Complaint narrative:
Grow credit is inaccurate reporting a balance on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
Dropped my credit limit from XXXX to XXXX after I paid the account off. This is an unrealistic drop, and caused my credit score to drop drastically.

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 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Firstsource Business Process Services, LLC
State: GA

Complaint narrative:
ONE ADVANTAGE Compliance Department Re : Settlement Demand FDCPA Violations, Improper Collection of Medical Debt, and Statutory Damages To Whom It May Concern, This letter serves as a formal settlement demand regarding multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and improper collection activity related to a medical account that was not legally eligible for collections. 
FDCPA VIOLATIONS UNLAWFUL COMMUNICATION I previously explicitly requested that all communications regarding this alleged debt be made solely via XXXX mail. Despite this lawful request, ONE ADVANTAGE has continued to contact me by phone calls, text messages, emails, and voicemails, including automated messages with links to account statements. 
Attached and/or enclosed is documentation proving these violations, including : Text messages sent after my cease-and-desist / limited-communication request Call logs and voicemails Emails sent after my request These actions constitute violations of : 15 U.S.C. 1692c ( c ) Failure to cease or properly limit communications 15 U.S.C. 1692d Harassing and abusive conduct IMPROPER COLLECTION OF MEDICAL DEBT In addition to the FDCPA violations, the underlying account was placed into an approved medical financial assistance / hardship status as of XX/XX/year>. Under this status, the balance was not eligible for collection activity and was to remain on hold unless and until my financial situation changed. 
Despite this, the account was : Improperly placed into collections, and Assigned to ONE ADVANTAGE, which then began repeated and unlawful collection efforts Attempting to collect on a medical account that was approved for financial assistance and not collectible further demonstrates unfair, deceptive, and unlawful practices. 
STATUTORY LIABILITY Pursuant to 15 U.S.C. 1692k ( a ), a debt collector who fails to comply with the FDCPA is liable for statutory damages of up to {$1000.00} per action, in addition to actual damages, costs, and attorneys fees. ONE ADVANTAGEs conductdocumented by the attached evidencecreates clear statutory liability.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: GA

Complaint narrative:
My phone was cloned and use internationally. I reported the actions to XXXX XXXX  to pursue me with payment. Now XXXX takes my name and sold the debt to TRUE ACCORD. 

I get continuied harassment from True Accord. My credit is messed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
In XX/XX/year>, I received letters from a debt collector claiming a solar loan was in default. The letters threatened that contractors would access my property and deactivate my solar system if I did not pay. The system was never installed properly and never worked. 

I formally disputed the alleged debt in writing and requested full validation, including the original contract, creditor information, and an accounting of all charges. Despite this, the collector continued sending letters that implied they had the right to enter my property and turn off the system. 

I then sent a written cease-communication notice instructing the collector to stop contacting me, except as legally required. The company acknowledged receipt of my notice via automated case confirmations, but their prior threats and ongoing letters constitute harassment and misrepresentation of authority. 

Attached are the documents showing the original threatening letters and my emails disputing the debt and requesting the company to cease communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Company : RentDebt Automated Collections , LLC Creditor : XXXXXXXX XXXX XXXX  ( XXXX XXXX XXXX  ) Balance Claimed : {$15000.00} Complaint Summary : I am filing a complaint regarding an alleged apartment debt that is being inaccurately reported and collected by RentDebt Automated Collections on behalf of XXXX XXXX XXXX. This debt is not valid, and the balance is inflated and legally improper. The landlord refused guaranteed rental assistance on my behalf, added unauthorized fees, and failed to follow Texas Property Code requirements. 

Details : I lived at XXXXXXXX XXXX XXXX until XXXX. When I fell behind, I applied for rental assistance through XXXX XXXX. I was approved for the full delinquent balance, and the organization attempted to pay the apartment directly. XXXX XXXX refused the payment, even after my case manager contacted them. I have written proof that the landlord stated they only want possession of the unit and would not accept the money. 
Despite this, XXXX XXXX sent the account to collections and is now reporting a balance of {$15000.00}, which includes : * Unauthorized early termination fees ( I did not terminate my lease early ; the landlord refused payment and removed me ) * Inflated and duplicate charges ( multiple pest control fees, multiple valet trash fees, repeated late fees, repeated water charges ) * Unitemized damage charges that were never disclosed within 30 days as required by Texas law * Rent charges after they refused rental assistance, which is unlawful * No itemized move-out statement * No credit for rental assistance that was available to pay the balance I disputed this account with RentDebt and the credit bureaus. RentDebt responded with a verification letter on XX/XX/XXXXXXXX  and XX/XX/XXXX, but they did not conduct a reasonable investigation. Their responses did not address the rental assistance refusal or the inflated charges. They simply restated the debt and attached a lease and ledger, which contain significant inaccuracies. 

Violations : RentDebt and XXXX XXXX are in violation of : * FCRA 623 ( b ) failure to conduct a reasonable investigation * FCRA 607 ( b ) reporting information they know or should know is inaccurate * FDCPA 807 ( 2 ) ( A ) misrepresenting the character, amount, or legal status of a debt * Texas Property Code 92 failing to provide an itemized accounting of charges * FDCPA 809 ( b ) inadequate debt validation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Meridian North America, Inc.
State: CO

Complaint narrative:
initiated transfer on XX/XX/year> immediately withdrawn from XXXX  who would then transfer it to XXXX and XXXX never sent it to the individual... however my account was immediately deducted the XXXX it's been two weeks wand they haven't received the money. 
Now today using XXXX  directly they charged my XXXX and theres not even a record of it in my transaction history on their app and it's IMPOSSIBLE to get ahold of anyone from the company they are throwing me through a loop. Two payments I submitted on there on the XXXX are stuck on processesing despite her having received them and I think that's screwing up more transfers going through on their end because of a 2 transaction limit. THE TRANSFERS ARE STUCK. DIDN'T STOP THEM CHARGING ME FOR THE 3RD ONXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a complaint about Bank of America. I was scammed out of XXXX XXXXXXXX from employee imposing to be an employee but wasnt it was a scammer and now the bank is refusing to help me out here. They keep on saying that it was my fault and I would like to have my money because I only live on my Social Security, which is XXXX and now they want to take it back. Im getting tired of the runaround. Im getting tired of being XXXX  XXXX  by people, especially this. I filed a complaint they keep on denying me and I think its very unfair in the claims department that they do this to me and I have found out theyve been doing it to other people too. I would appreciate some help.

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 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Frost-Arnett Company
State: GA

Complaint narrative:
FROST-ARNETT Compliance Department Re : Settlement Demand FDCPA Violations, Improper Collection of Medical Debt, and Statutory Damages To Whom It May Concern, This letter serves as a formal settlement demand regarding multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and improper collection activity related to a medical account that was not legally eligible for collections.

FDCPA VIOLATIONS UNLAWFUL COMMUNICATION I previously explicitly requested that all communications regarding this alleged debt be made solely via U.S. mail. Despite this lawful request, FROST-ARNETT has continued to contact me by phone calls, text messages, emails, and voicemails, including automated messages with links to account statements. 
Attached and/or enclosed is documentation proving these violations, including : Text messages sent after my cease-and-desist / limited-communication request Call logs and voicemails Emails sent after my request These actions constitute violations of : 15 U.S.C. 1692c ( c ) Failure to cease or properly limit communications 15 U.S.C. 1692d Harassing and abusive conduct IMPROPER COLLECTION OF MEDICAL DEBT In addition to the FDCPA violations, the underlying account was placed into an approved medical financial assistance / hardship status as of XX/XX/2024. Under this status, the balance was not eligible for collection activity and was to remain on hold unless and until my financial situation changed. 
Despite this, the account was : Improperly placed into collections, and Assigned to FROST-ARNETT, which then began repeated and unlawful collection efforts Attempting to collect on a medical account that was approved for financial assistance and not collectible further demonstrates unfair, deceptive, and unlawful practices. 
STATUTORY LIABILITY Pursuant to 15 U.S.C. 1692k ( a ), a debt collector who fails to comply with the FDCPA is liable for statutory damages of up to {$1000.00} per action, in addition to actual damages, costs, and attorneys fees. FROST-ARNETTs conductdocumented by the attached evidencecreates clear statutory liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I am filing a complaint regarding a collection account being reported by Midland Credit Management with inaccurate and unverifiable information. 

Midland Credit Management has not provided documentation proving ownership of the alleged debt, a copy of the original contract bearing my signature, or a complete and accurate transaction history from the original creditor. 

I previously disputed this account with the credit reporting agency, and it was marked as verified without Midland providing sufficient validation as required under the Fair Credit Reporting Act. 

Because this account can not be properly verified, I am requesting that Midland Credit Management conduct a proper investigation and remove this account from my credit report if full verification can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Unisa, Inc
State: TX

Complaint narrative:
I am filing a complaint regarding an inaccurate delinquent account reported by Unisa Inc on my XXXX  credit report. 
I disputed this account with XXXX because I do not recognize it and did not open or authorize any account with Unisa IncXXXX XXXX XXXX the dispute stating that Unisa Inc verified the information. 
However, Unisa Inc has not provided me with any documentation showing that this debt belongs to me. I contacted Unisa Inc directly and requested debt validation, including the original creditor, account agreement, dates of service, and proof of authorization. As of today, no such documentation has been provided. 
I believe this account is being inaccurately reported and was verified without proper investigation. I am requesting that Unisa Inc either provide full documentation proving this debt is mine or remove the account from my credit report.

Company response to consumer: Closed with explanation