vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
XX/XX/XXXX -XX/XX/XXXXstore is claiming I signed up for a credit card through symphony bank and that I have a balance owing of {$430.00}. If I bought something from gap store I would have used my own credit card. I don't even have a physical card forXX/XX/XXXX? * I never signed up for a credit card through gap. I never sign up for store credit cards. This is complete fraud / identity theft. XXXX, XXXX - This gap balance get reported to the Portfolio Recovery Company XX/XX/XXXX - My husband and I are trying to get a mortgage on a a house and this gets flagged. It is impacting my rating. Very surprising given that I never signed up for this. * They had my old address XXXX XXXX XXXX, NY, NY New Address is XXXX XXXX XXXX, XXXX, Sleepy Hollow Ny Wed XX/XX/XXXX - XXXX call Portfolio Recovery Management, a big debt collector company. I filled a dispute with them, saying this was fraud and they told me to fill out this form on your website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harrington, anderson & deblasio
State: OR

Complaint narrative:
CFPB Statement of Facts Company Name : XXXX XXXX Account Number : XXXX Associated Legal Representative : XXXX XXXX Detailed Description of Issue : I am filing this complaint because XXXX XXXX is attempting to collect a " deficiency balance '' on a vehicle that was stolen, while willfully refusing to apply insurance proceeds and failing to provide a proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ). The Incident : My XXXX XXXX XXXX was stolen on XX/XX/XXXX. A formal report was filed ( XXXX Police Report # XXXX ) and provided to the insurance adjuster at XXXX XXXX. Failure to Apply Insurance : XXXX XXXX maintained XXXX XXXX ( loss coverage ) on this vehicle. Despite the total loss of the vehicle due to theft, XXXX has failed to apply the insurance proceeds to the account balance. Lack of Validation : On XX/XX/XXXX, I sent a formal dispute and demand for validation to XXXX legal representative, XXXX XXXX. I requested a certified, itemized ledger showing the total loss value and an explanation for the unapplied insurance funds. To date, I have not received a detailed accounting that reflects the insurance coverage. Contractual Breach : XXXX XXXX failed to provide the contractually mandated XXXX-day " opportunity to cure '' before taking adverse action and pursuing this alleged deficiency. Illegal XXXX XXXX : The company is pursuing a balance that should have been satisfied by insurance proceeds. Attempting to collect a debt that is not owed, or an inaccurate amount, is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
The particular incident occurred on XX/XX/XXXX. I have both a personal checking and business checking account with First Horizon Bank. I send a check monthly to my landlord that I rent my business space from every month for the same amount, {$700.00}. I have alerts sent to my phone daily. In the month of XXXX, while taking care of my elderly and sick grandfather, I wrote the business check that I send monthly from my personal checking account, in error. This sent my personal checking account into a negative balance. No alerts were sent to my phone. I have been with this institution for over XX/XX/XXXXyears and never had a negative balance. The bank refused to credit all of the XX/XX/XXXX charges back, although the funds were available in my business account. Their policy is to reverse XX/XX/XXXX charges if there was a banking error. A banking error did occur and I would like the overdraft amount of {$170.00} in total that was charged to my account on XX/XX/XXXX, and XXXX of XXXX credited back to my account, as the funds were available in a linked account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I am filing a complaint against Capital One due to the fees that I have encountered since being a customer. I was unaware of the fee I had to pay initially, although it is not a secured credit card. I was not made aware of these fees prior to becoming a member. The fee of {$39.00} was taken out of my balance on XX/XX/year>, which did not allow me access to the full amount of the funds I was approved for. I lost my job in XX/XX/year> and called Capital One to advise I was having a hardship. I have been incurring late charges of {$40.00} each which is an excessive fee according to the Federal Trade Commission. I have been calling Capital One and they are saying nothing can be done. My account is facing closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: CARD Corporation
State: NY

Complaint narrative:
I opened up an account with Card.com in XXXX of this year. In XX/XX/year>, I was informed without explanation that my account will be closed in XX/XX/year>. As of today, this company still has access to my personal information, including my social security number on file. I have asked for them to delete all of my info because my account is closed so there is no need to hold on to my personal information. I was told that they can not do that. I dont feel comfortable with this company having my personal information especially when the account is closed. I am requesting that they delete all of my info.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX submitted my hold harmless agreement to Fifth Third Bank regarding the approximate amount of {$110000.00} that was taken from my account per fraudulent wire instructions back on XX/XX/year>. I was told that Fifth Third Bank would need to respond within a XXXX day period, and they have failed to do so. They continually tell me they have recevied no communications from XXXX XXXX regarding this matter, but according to everyone I speak to at XXXX XXXX, this is false. XXXX XXXX has sent multiple follow ups per my request regarding this hold harmless agreement letter, and they fail to receive any contact back. XXXX XXXX even provided a confirmation number of XXXX about the letter sent. XXXX XXXX explicitly told me on the phone that Fifth Third Bank is " just giving me the run around '' and I believe they are negligent. Despite numerous attempts to reach out to Fifth Third Bank, I NEVER get communcations from anyone in the recovery team or wire fraud departments despite my requests and XXXX XXXX 's direction to do so. I only get calls from the secretary for the XXXX XXXX XXXX XXXX, who never seems to look into this further or get the proper channels involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: PA

Complaint narrative:
They suspended my account for no reason and even after providing proof of identity they won't release my account for 5-7 days and it's emergency I need the funds now.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: KS

Complaint narrative:
I was not able to find the boxes to check. I received a letter in the mail about a card application to US Bank that I did not submit. There is a business name on it that is not mine. I have no other info. I have called the number on the letter over and over and remain on hold for hours. I called the corporate office, who forwarded me to their fraud line, which again, left me on hold. I have been on hold for a total of XXXX hours with no access to anyone. In the meantime, I have had to freeze my credit with every agency in the middle of applying for a lease for my business. I can not file a report with US Bank or do anything else to gather information. I had dealt with serious fraud a few months ago, with over XXXX in transfers coming out of my account. With a pending investigation, I need to be able to report this to US bank and potentially to the police. With the wrong business name on the letter, I need to know if this was an error with US bank. Considering the gravity of fraud reports to a bank, the inability to contact by phone, mail, or online resource is absurd. If I was ( or am ) a current cardholder, I apparently have literally no ability to report a fraudulent account.

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 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: OK

Complaint narrative:
I called exeter finance and ask them to send me paper work showing and breaking down where all the extra fees came from. They sent me a notice of upcoming account maturity paper work with an even higher pay off balance with more fees. So I called them again today XX/XX/XXXX and ask yet again what are all the fees from, she said the fees come from my principal loan incurring interest everyday, she said even when I pay my payment what's left to pay will incurre interest until paid off, so I ask her I have never heard of that before and she said every finance company is different.So I said basically when ever my maturity date does come which is suppose to be XX/XX/XXXX it still will be more money owed after the maturity date from my principal interest incurring interest. I know sounds crazy how can principal interest incurre more interest on top of that interest. On XX/XX/XXXX my monthly statement said balance due is XXXX. My online account as of today which is XX/XX/XXXX balance owed is XXXX, the Maturity statement which is mailed out on XX/XX/XXXX which I got in the mail today on XX/XX/XXXX say XXXX. They can't even explain the fees to me. I'm basically tired of going around and around with this fraudulent finance company. They have already gotten almost XXXX thousand out of me for a XXXXXXXX XXXX XXXX XXXX that was used when I purchased it. I'm filing this complaint in hope of getting some type of help of what I need to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I previously filed a CFPB complaint against XXXX XXXX XXXX regarding Account XXXX, a collection account for {$11000.00} that XXXX claims to have purchased from Citibank N.A. That complaint was assigned complaint number [ INSERT FIRST COMPLAINT NUMBER ]. In that complaint I requested complete debt validation under 15 U.S.C. 1692g, specifically the original signed credit agreement, chain of ownership documentation establishing XXXX 's legal right to collect Account XXXX, a complete payment history from origination to present, and an itemized breakdown of the {$11000.00} balance. I also raised the issue of duplicate reporting, noting that Citibank N.A. is simultaneously reporting the original charge-off account ( Account XXXX, balance {$20000.00} ) on all three credit bureaus for the same underlying obligation. XXXX XXXX XXXX responded to that complaint on XX/XX/XXXXXXXX and provided a single Citibank billing statement dated XX/XX/XXXXXXXX showing a balance of {$11000.00} on a Citi Custom Cash Card account ending in XXXX. This response does not constitute debt validation under 15 U.S.C. 1692g. A billing statement from the original creditor does not establish the following : the original signed credit agreement between the consumer and Citibank, the chain of ownership showing that Citibank sold this specific account to XXXX XXXX XXXX and that XXXX has the legal right to collect it, a complete payment history from account opening through charge-off, or an itemized breakdown of how the {$11000.00} balance is composed including all principal, interest, fees, and charges. XXXX provided none of these documents. XXXX also did not address the duplicate reporting issue with the original Citibank charge-off Account XXXX continuing to report a {$20000.00} balance on all three bureaus simultaneously with XXXX Account XXXX. XXXX XXXX XXXX is continuing to report Account XXXX on my XXXX and XXXX credit reports without having provided valid debt validation and without having resolved the cross-bureau inconsistency on Account XXXX, which shows zero payment history on XXXX while showing active collection markers on XXXX and XXXX. XXXX 's failure to provide valid debt validation while continuing to report this account is a violation of 15 U.S.C. 1692g and 15 U.S.C. 1681s-2 ( b ).

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 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I paid in full fees totaling {$400.00} ( assumption fee {$300.00}, Secretary of State filing fees {$5.00} per party, and county recording fees {$92.00} ). I received a confirmation email from Goodleap on the same date confirming all fees were paid. Despite this, Goodleap continues to request payment for fees that have already been satisfied. I have already submitted documentation proving payment and completion of all required documents. I previously filed a complaint regarding this issue ( Complaint ID : XXXX ) and submitted all supporting documentation at that time. However, the issue remains unresolved, and incorrect billing continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
In XX/XX/year>, I was fraudulently induced into charging {$91000.00} total across multiple American Express accounts to merchant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Merchant ID : XXXX, XXXX WY ). The merchant, operating under XXXX XXXX XXXX, presented a signed contract ( executed XX/XX/year>XXXX ) guaranteeing repayment of {$80000.00} by XX/XX/year>. The merchant never repaid. This is not a speculative investment it is a guaranteed repayment contract where the merchant kept the funds. I filed fraud claims with American Express. They were denied on the basis that the transactions constituted " investment/securities '' activity. This classification is incorrect. The signed contract contains an explicit repayment guarantee with a fixed deadline and a $ XXXX penalty for non-payment. A guaranteed repayment obligation is not an investment. Additionally, an agent of the merchant admitted in writing that services were never fulfilled. The same agent offered to create fabricated invoices to defeat chargeback claims. Any documentation the merchant submitted during the dispute process should be treated as potentially fraudulent. This merchant is currently under active investigation by the FBI ( IC3 ), FTC, IRS, and SEC. The merchant has blocked my contact attempts, making direct resolution impossible. American Express has failed to properly investigate a documented fraud scheme under active federal investigation and has declined to reopen the claims despite this evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio
State: TX

Complaint narrative:
I disputed this account and requested full validation, including the original agreement, complete payment history, chain of title, and the method of verification used to support reporting to XXXX. The company has failed to provide any competent evidence substantiating the accuracy or legal enforceability of this account, yet continues to report it. This constitutes a failure to conduct a reasonable investigation and the reporting of unverified information in violation of FCRA 611 and 623, as well as applicable XXXX XXXX reporting standards. Absent verifiable documentation, continued reporting is inaccurate and unlawful. I demand immediate deletion of this account from my XXXX credit file. If the company contends the account is valid, it must provide full documentation demonstrating compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I reached out to Citi to report a fraudulent business transaction with a furniture company called XXXX on XX/XX/year>XXXX when I was unable to connect with any of the contact information listed on the receipt and previous information listed on this furniture company. The parent company is XXXX which is located at XXXX XXXX XXXX, XXXX, CA XXXX. I ordered a custom furniture in the amount of {$6500.00} after multiple contacts with their sales rep, XXXX XXXX, over the phone, email and text messages. I finally purchase a custom made living room set and received a receipt and confirmation of the payment. In the last email I received from them, they provided instruction that it will take 62 days to complete the custom furnitures and I shall receive another email for shipping and delivery instructions. I never received shipping/ delivery emails. I tried to reach back to XXXX and XXXX XXXX however, the phone numbers, email addresses and even their website have been taken down. Thus, I could not reach anyone. It was this time that I sent a transaction dispute with Citi ( XX/XX/year>XXXX ) explaining what have happened. They stated that it would take up to 90 days to complete their investigation and in the meantime, I would receive a conditional credit. I just received their completed/ resolved investigation on XX/XX/year>. In their letter, they stated the following : " Through our investigation, of the information and facts available, we were unable to identify or determine that a billing error occurred. We previously issued a conditional credit to your account for the amount in question pending the outcome of our investigation. Now that the investigation is complete, we have reversed the conditional credit. All adjustments will appear on your stated within 2 billing periods. '' I do not understand the language in their dispute letter as it it very vague. XXXX is definitely gone with my money and I have no other way to contact the furniture company to get the custom furniture I ordered. It did not state whether they were able to reach out and connect with the company so the goods/ furnitures I ordered will be delivered at a certain timeline. There is no process to appeal Citi 's " resolved '' dispute process.

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 2026-04-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I started my furniture loan with XXXX and they had me pay {$130.00} a month. Then without any prior notice, my loan was transferred to XXXX and they increased my monthly payment to {$190.00}. I explained to them that I should have first been given notice prior to the change and also that when I took out the initial loan, I made the purchase based on how much I could afford for the monthly payments. Its not fair to the consumer, especially with this economy, to increase the monthly payments without notice and not considering if I could afford it. I asked if they could lower my monthly payments back to {$130.00} and was told no and I'm not exactly sure why but this increase is going to cause me to default my payments on the loan and that is not fair to me when I was on time previously with payments when the loan was under XXXX.

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