vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I sent a written request for debt validation to Portfolio Recovery Associates regarding an alleged credit card account with a reported balance of approximately {$3300.00}. The company responded with limited documentation consisting of account statements. These documents do not constitute proper validation because they do not establish proof of ownership of the debt, do not provide a complete chain of title from the original creditor, and do not include any signed agreement showing a legal obligation. After receiving this insufficient response, I sent a follow-up notice disputing the validity of the documentation and informing the company that the account remained unvalidated. The company received this correspondence on XX/XX/year>. Despite failing to provide proper validation, Portfolio Recovery Associates continues to report this account to consumer reporting agencies and has verified the account as accurate following disputes. I also filed a complaint with the Consumer Financial Protection Bureau. In response, the company relied on the same insufficient documentation and did not provide any additional validation or proof of ownership. At no point has the company provided documentation sufficient to establish that I have a legal obligation to pay this debt or that they have the legal right to collect it. The continued reporting of this account without proper validation is inaccurate and remains in dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
Have sent multiple letters to the company asking them to verify debt, including letters in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, failed to respond. Requested until debt is verified they cease all collections activities and only communication via XXXX mail, continue to send multiple emails each day with payment offers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
I applied for credit on XX/XX/year>. Under the Equal Credit Opportunity Act, you are required to retain records of this application and any adverse action for at least 25 months. You stated that you do not have these records on file. Please confirm in writing : 1. That no adverse action notice is available 2. That no record of the decision or reasons for denial exists If records do exist, please provide the adverse action notice and all reasons for the decision immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PINNACLE RECOVERY, INC.
State: IN

Complaint narrative:
I am filing this complaint against Pinnacle Recovery , Inc. for their failure to provide adequate debt validation and their refusal to return my accounts to the original creditor, XXXX XXXX XXXX, despite a clear breakdown in the communication and mediation process. XXXX. Failure to Provide Proof of Ownership - I formally disputed these debts on XXXX XXXX, 2025, specifically demanding documented evidence that Pinnacle Recovery , Inc. owns these debts, including a clear chain of custody or a bill of sale. In their response dated XXXX XXXX, 2025, Pinnacle explicitly stated, " Pinnacle has not purchased the referenced debt '' and that they are merely a third-party agency. Despite my repeated requests for them to prove their legal authority to collectspecifically since they do not own the debtthey have provided only internal assignment letters rather than the specific proof of legal transfer I requested. 2. Circular Communication Barrier Pinnacle has placed me in a " Catch-22 '' scenario that prevents any good-faith resolution : Pinnacles Position : They claim they are limited by the creditor 's instructions and can not mediate a settlement because the creditor " will not listen to them. '' Creditors Position : XXXX representatives and specialists ( such as XXXX XXXX and XXXX XXXX XXXX have attempted to contact me, yet Pinnacle refuses to release the account back to them to facilitate these direct discussions. Impact : Pinnacle refuses to send the accounts back to the original creditor, but also admits they lack the authority to negotiate the settlement I have proposed. XXXX. Continued Collection Despite Dispute - I have requested that Pinnacle cease collection efforts and return the accounts to XXXX so I can resolve the underlying issues regarding verbal misrepresentations and financial hardship directly with the principal party. Pinnacle has ignored this request, continuing to send collection notices while the original creditor is simultaneously attempting to engage in Owner Resolution but also referring me to settle the debt with Pinnacle first.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Money is continuously taken out of my account. These transactions have not been authorized by me and Ive tried to dispute them through the bank. Ive yet to receive my money in a refund. My bank account is being fraudulently used

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
On XX/XX/XXXX and XXXX I deposited XXXX checks using the XXXX XXXX function within the Robinhood banking app. Both checks were from the same business, the check from XX/XX/XXXX was accepted, however the check that was deposited on XX/XX/XXXX was not successful. This was where the issue started, the Robinhood app showed the status as failed with no further information as to why the check was not accepted. I've spent a unacceptable amount of time trying to gather information from Robinhood support to no avail. I've been met with missed promises from multiple individuals using the chat support function within the app. On XXXX I spoke with XXXX, he disconnected our chat and I was connected with XXXX, she advised she couldn't assist and connected me with XXXX, who said he couldn't help but would forward my concern to the appropriate resolution team and then disconnected the chat. On XXXX I received an email from XXXX his email cited XXXX ID : XXXX, he stated my check from XX/XX/XXXX was not accepted due to incomplete or poor image of the check ( mind you their app verifies legibility before allowing you to submit ) his email recommended try depositing the check again using clearer images. On XXXX I received another email from a XXXX regarding Case ID : XXXX he stated that upon investigation, he see that my issue was regarding a failed check deposit and understood that I'm having issues depositing it elsewhere due to the restrictive endorsement on the back and he would be in touch with me by XXXX, to date I have not received any type of response. Due to no response from Robinhood leading up to these messages, I did try to mobile deposit the same check with another financial institution, but that check was returned from the bank as this check has already been presented for payment, which tells me that Robinhood did present my check for payment and did receive the proceeds and is holding up my {$10.00} without crediting my account. I am asking for them to resolve this issue that has been ongoing for almost a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: IL

Complaint narrative:
I received a message on your site about chime response to my complaint and they say they sent me a check out on XXXX now the saying I don't have a refund I'm not eligible

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank closed my two business savings account with account number as XXXX and XXXX for reasons I dont know. I called the customer support line and they told me they will mail a check for the remaining fund which totaled around XXXX dollars. However it has been weeks and I still have not got the check in my mail. I tried to contact their customer support but the line is always busy and I waited for hours with no one answering the phone.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as FIRSTTECH - XXXX, SYNCB/RMSTGO - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that FIRSTTECH and XXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
Radius Global Solutions keep calling me about a debt. Something the is not mine from years back. They starting calling me from different numbers.

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 2026-04-14 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: Fay Servicing, LLC
State: IL

Complaint narrative:
Hello, Please find the attached document stating foreclosure was put on my record incorrectly. I need this release to be recorded and removed from my personal record. Please advise Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: TN

Complaint narrative:
PayPal is currently holding {$1600.00} of my funds under the claim that my identity can not be verified. This situation has resulted in the continued restriction of access to my money without clear resolution, clear instructions, or a defined path to recovery. My account was previously flagged under a fraud/security review. I have not engaged in any fraudulent or suspicious activity. Despite this, PayPal has restricted access to my funds and has failed to provide a clear, actionable process to complete identity verification or release the remaining balance. As of XX/XX/year>, the account no longer shows an active limitation status, however the funds remain inaccessible and effectively frozen. PayPal has not provided a definitive explanation as to why verification can not be completed or what specific requirements remain outstanding. I have made reasonable attempts to resolve this matter through PayPals standard support channels, including attempting to access account verification steps and contacting support. These efforts have not resulted in resolution, clear guidance, or release of funds. PayPal is continuing to retain {$1600.00} without providing sufficient transparency, resolution timeline, or a functional method for me to regain access to my money. This has created an unreasonable delay in accessing personal funds. Requested Resolution : I am requesting : Immediate and full release of the {$1600.00} balance, OR A clear, specific list of required verification steps that will definitively result in release of funds. I am requesting the CFPB to review this matter due to PayPals failure to provide adequate resolution, transparency, or timely access to funds that belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: DC

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 2026-04-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
Formal Complaint Improper CD Rollover and Failure to Release Funds Account Name : XXXX XXXX XXXX : Marcus by Goldman Sachs I am filing a formal complaint regarding a certificate of deposit ( CD ) in the amount of {$190000.00} that was improperly rolled over despite my repeated instructions not to renew. Timeline of Events : On XX/XX/XXXX, I contacted Marcus by Goldman Sachs and clearly instructed that my CD was not to be rolled over at maturity. On XX/XX/XXXX, I called again to reconfirm that the CD would not be renewed. On XX/XX/XXXX, I discovered via my account that the CD had been rolled over anyway. I immediately contacted the bank and was told this was their error and that it would be corrected and the funds transferred to my account. Approximately five days later, I was told the transfer had failed, with no explanation provided. During subsequent calls, I was informed that the CD had mistakenly rolled over internally and would need to be reversed. I was assured that any penalties would be waived due to the banks error. As of today, I have been denied access to {$190000.00} of my funds for over XXXX weeks due entirely to the banks error. Despite multiple follow-up calls, I have received inconsistent information, no clear resolution, and no confirmed timeline for release of my funds. This situation represents a failure to follow customer instructions and a failure to provide access to my own funds in a timely manner. I am requesting the following : Immediate release of my full funds A confirmed and specific date for transfer A written explanation of the errors that occurred Compensation for loss of access to my funds and any lost interest Direct contact from a supervisor or executive representative with authority to resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing an account being reported or collected by Jefferson Capital Systems LLC because I have not been provided with sufficient evidence to confirm that this debt is accurate or that I am legally responsible for it. Despite reviewing my records, I do not have any documentation such as a signed agreement, original creditor statements, or a complete account history that would validate this obligation. What raises additional concern is that debt buyers like Jefferson Capital often acquire accounts in bulk, and without proper documentation, there is a heightened risk of inaccurate reporting, duplicate accounts, or incomplete account records. I have not received any proof of assignment or documentation showing how this account was transferred or that Jefferson Capital has the legal authority to collect it. Given these issues, I am also concerned that this account may be tied to a data breach or mixed file error, where my personal information may have been incorrectly associated with a debt that does not belong to me. Under 15 U.S.C. 1692g ( b ), I am requesting full validation of this debt. Additionally, under 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681e ( b ), only accurate and fully verifiable information should be reported, and a proper investigation must be conducted when disputes arise.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
PayPal Synchrony Bank credit violated UDAAP Back in XX/XX/year> I made a purchase of XXXX with XXXX easy Monthly Payments at 0 % equal to {$250.00}. In XX/XX/year> I made another purchase under the same terms with a monthly payment of {$82.00}. I had monthly payments of {$340.00} for months and have paid more but a few months back they changed the minimum payment to {$370.00} with no explanation. I have been trying to resolve this matter with countless calls with no help from Synchrony Bank. Please resolve this issue once and for all. This is a violation and a deceptive practice from Synchrony Bank.

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 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: GA

Complaint narrative:
I am contacting you regarding funds exceeding {$20000.00} held in a XXXX account ( Case # XXXX ) that has been closed since XX/XX/year>. Despite a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), XXXX has failed to respond and is now past due as of XX/XX/year>. Given Robinhoods acquisition and operational control over XXXX, I am requesting that Robinhood intervene directly to resolve this matter and ensure the release of my funds. This issue is now a regulatory concern and may expose Robinhood to compliance risk if left unresolved. Complaint ID : XXXX Name : XXXX XXXX Email : XXXX Phone : XXXX I expect an immediate response and resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
I need a investigation against truist-bank for discrimination they closed my account or restricting them i did nothing wrong what so ever and i did nothing wrong but open a bank account and wnd fund it and they restricting it or closeing it for no single reasontry say fraud or something i can't figure out why it cant be because I owe them and all i did was login to my online banking and had the rep fix it for me and i am in XXXX XXXX bankruptcy it covers any and all debts in i seriously need help with truist-bank for discrimination against me cause there was nothing fraud going on fact is all I did was fund it and login to it so nothing fraud and I request compensation for this cause they was descremention against my the whole time

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 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OH

Complaint narrative:
My issue with Cash App is, I withdrew money from the atm and the atm did not give me the full amount for neither transactions. I disputed it with Cash App and all they told me was the transactions were complete and they only issued me back {$5.00} for one dispute. Both atm transactions were made on XX/XX/2026 first one is for {$500.00} which I only received {$20.00} out of the atm. The second one is for {$400.00} and it only gave me another {$20.00} out of the atm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
ALDOUS is falsely reporting on my credit. I have never had any accounts with them. Per my research ALDOUS 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 response to consumer: Closed with explanation