vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I got an email from XXXX XXXX and XXXX Reports saying that I had a delicuent account reported on my credit report. I immeditalety opened the email to understand what was going on since I had never had a delicuent account and all my credit cards are in auto pay. I have never had a late payment either so I was very surprised. I saw that it was from bank of america so I went in to my Bof account and saw that I had a charge for {$18.00} from XXXX since my default payment method hadn't worked. I paid immediately and called bank of america that same day. I explained what happened and they said there isn't anything they can do. I mentioned that I hadn't gotten any notifications from them, no emails, no letters, no notifications from the app on my phone about this pending bill. During the recorded call I verified with the agents help that I did have all notifications on configured properly so not sure why I didn't get any notifications of the bank trying to get payment for this bill before reporting the account delincuent. The agent took notes about me not getting any notifications and said that notes had been taken but there wasn't anything else they could do. After doing some research online, I decided to send a written " delinquent account letter of forgiveness '' ( commonly known as a Goodwill Letter ) asking them to remove the late fee from your credit history explaining what had happened. The letter was sent XX/XX/XXXX and delivered XX/XX/XXXX but I haven't gotten any updates.

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 2026-05-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Unity Asset Management
State: FL

Complaint narrative:
Company called unity assess management has be contacting me non stop about the issue.. the amount was for XXXX now they are say XXXX. And threatening legal action

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: CA

Complaint narrative:
XXXXXXXX XXXX has confirmed me as the successor in interest, and I provided the death certificate and the probate court order that legally transferred title to me. Despite this, XXXX refuses to send the assumption packet and keeps demanding an executors deed, which does not exist because the court order itself transfers title. For months, XXXX has delayed the assumption process and blocked me from applying for loss mitigation, even though Regulation X requires servicers to treat confirmed successors as borrowers and provide access to loss mitigation options. Because of XXXX refusal to process the assumption or provide the packet, the loan is now delinquent and at risk of foreclosure. I am requesting that the CFPB require XXXX to : Stop demanding an executors deed, Immediately provide the assumption packet, Process both the assumption and loss mitigation applications, and Pause foreclosure activity during review.

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 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mid-Minnesota Management Services, Inc.
State: FL

Complaint narrative:
I get over 20 calls a week from a company called- Central Resources. It comes up as a " private number '' on my phone. I don't answer it. It goes to voicemail under the number- XXXX. The message never identifies them as a " debt collector ''. It simply says please call any of our representatives at this number. I finally called back today and asked that they stop calling me. THEN they identified themselves as " debt collectors ' for an old radiology bill that should have been covered by my insurance. I sent them a letter stating to- resubmit. That letter was sent more than 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
A charge of {$17000.00} for crypto currency was made to my XXXX XXXX, also a charge for {$140.00} from California. My Coinbase balance is less than {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I requested assistance with a goodwill credit reporting adjustment on my Synchrony Bank credit card account in the spirit of fair and accurate reporting. Account ending in : XXXX On XX/XX/XXXX I paid the account balance in full ( {$390.00} ) and believed the account to have a XXXX balance. A small residual interest charge of approximately {$5.00} posted on the following billing cycle, which I was unaware of at the time. Once I became aware of the balance, I paid it immediately on XX/XX/XXXX. Unfortunately, the residual interest resulted in several late payment marks being reported to the credit bureaus. This situation appears to have resulted from trailing interest rather than a missed payment. Given the minimal amount involved and my otherwise positive payment history, I respectfully request a goodwill adjustment to remove the late payment reporting associated with this balance. I was denied my request twice by Synchrony bank, and am now filing a formal complaint as this is negatively impacting my credit score and is not accurately representing my general credit history.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
VANCE & HUFFMAN LLC Subject : Formal Debt Validation Request and Notice of Dispute To Whom It May Concern, I am writing regarding the collection account your company is reporting on my credit profile in connection with : Original Creditor : XXXX XXXX XXXX Reported Balance : {$180.00} XXXX formally dispute this alleged debt and request full validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). At this time, your company has failed and/or refused to provide sufficient documentation supporting the validity and accuracy of this alleged account while continuing to report negative information to the credit bureaus. Please provide the following : A copy of the original signed agreement or contract ; Complete payment history and itemized calculation of the alleged balance ; Proof that this debt legally belongs to me ; Proof that Vance & Huffman LLC has legal authority to collect and report this account ; Documentation showing assignment, transfer, or ownership of the alleged debt ; Verification that all dates, balances, and account information reported to the credit bureaus are accurate and complete. Until proper validation is provided, this account remains formally disputed. If your company can not provide competent documentation validating this alleged debt, I request immediate deletion of this account from all credit reporting agencies to avoid continued inaccurate reporting. Please note that continued reporting of unverifiable information may constitute violations of the FCRA and FDCPA. I request that all future communication regarding this matter be made in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: CA

Complaint narrative:
Company : XXXX XXXXXXXX XXXX / Winklevoss : I have been trying to Send my XXXX from my XXXX account to my wallet, and on other occasions to another account, for the past month. Each time, Gemini has refused my request, citing a " Security Hold. '' I have made numerous attempts through their Support process, to resolve the " Hold '' to no avail. I have completing all their requirements to do so. Here are attempts : XXXX Ticket # XXXX XXXX Ticket # XXXX XXXX Ticket # XXXX I have tried various amounts ( {$500.00}, {$1000.00}, {$5000.00}, XXXX XXXX XXXX XXXX ), and different addresses ( private wallet, other platform, including an address submitted to them fulfilling their 7-Day requirements. ) all without resolution. This is unacceptable. I have been denied the use of my funds contrary to their advertised function. After receiving no resolution, I filed a Complaint with their overseer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I received a response from them stating that they would not be able to help me because the complaint was filed out of their jurisdictionNY. I am a California resident. That letter is : Re : XXXX Complaint File No. XXXX, Complaint against XXXX XXXX XXXX , XXXX XXXX Dated XX/XX/year>. In the letter they suggested contacting you. I'm running out of options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
RE : COMPLAINT ABOUT XXXX XXXX XXXX DENIAL AND UNFAIR DECISION TO CLOSE MY CLAIM FOR DISPUTE AND APPEALS WITHOUT PROVIDING SOLID EVIDENCE. THEY ONLY PROVIDED A REPORT TO CFPB " THAT MY TELEPHONE NUMBER WAS ASSOCIATED WITH THE DEBIT CARD ACTIVATION ''. I WAS A VICTIM OF FRAUD/IDENTITY THEFT/THEFT! I NEVER RECEIVED THE INITIAL DEBIT CARD THAT I WAS EXPECTING FROM THE XXXXPAID FAMILY LEAVE ( worth {$4300.00} ). * XXXX XXXX Dispute/Appeal ID # : XXXX XXXX * Previous CFPB Complaint ID # : XXXX XXXX : XXXX XXXX sent a report to CFPB about their decision to close my case and only provided them the reason that my telephone number was associated to the activation of the debit card. I WOULD LIKE TO CLARIFY AN IMPORTANT FACTUAL ISSUE REGARDING THE DEBIT CARD ACTIVATION. XXXX XXXX company stated that my telephone number was used to activate the debit card ; however, the ONLY CARD I CTIVATED WAS THE REPLACEMENT DEBIT CARD THAT WAS SENT AFTER I HAD ALREADY REPORTED THE UNAUTHORIZED TRANSACTIONS AND DISPUTED THE MATTER. That replacement card had a XXXX balance at the time it was activated. I DID NOT ACTIVATE THE ORIGINAL DEBIT CARD ASSOCIATED WITH THE DISPUTED TRANSACTIONS BECAUSE I NEVER RECEIVED THE ORIGINAL CARD. Therefore, the fact that my phone number was later used TO ACTIVATE A REPLACEMENT CARD SHOULD NOT BE TREATED AS EVIDENCE THAT I AUTHORIZED OR ACTIVATED THE ORIGINAL CARD INVOLVED IN THOSE UNAUTHORIZED ACTIVITIES. * I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) review whether XXXX XXXX properly distinguished between the ORIGINAL CARD and the REPLACEMENT CARD during its investigation and whether its CONCLUSIONS were based on ACCURATE and COMPLETE INFORMATION. XXXX : I sent my 3rd appeal to XXXX XXXX to request a formal and detailed explanation about their recent decision to close my case. However, until now, I NEVER RECEIVED A RESPONSE FROM XXXX XXXX SINCE. THEY NEVER PROVIDED ME A WRITTEN REPORT ON HOW THEY CONDUCTED THEIR INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I closed my Citi Bank credit card and due to two refunds Citi Card owes me {$560.00} they told me that I will not get a check from them until the end of XXXX. when you try to call them you have to wait at least 30 minutes. I cant see why they made me wait almost 2 mouths for this refund.

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 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I disputed this collection because the information on there is incorrect. Whenever I dispute it XXXX never shows their method of verification they just say they contacted the furnisher. I want to see the contract I signed with my WET signature on it along with this alleged amount I owe and the breakdown of why along with my payment history. You can not say I owe a debt and when I ask for proof you just say it is verified. I need to see everything in writing. It is unfair because XXXX and XXXX deleted it but XXXX is giving me a hard time. I would like for it to be deleted off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I disputed this collection because the information on there is incorrect. Whenever I dispute it Experian never shows their method of verification they just say they contacted the furnisher. I want to see the contract I signed with my WET signature on it along with this alleged amount I owe and the breakdown of why along with my payment history. You can not say I owe a debt and when I ask for proof you just say it is verified. I need to see everything in writing. It is unfair because XXXX and XXXX deleted it but Experian is giving me a hard time. I would like for it to be deleted off of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: IL

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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Notice several account that were not mine on 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 non-monetary relief
Consumer complaint received 2026-05-18 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: 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 non-monetary relief
Consumer complaint received 2026-05-18 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 formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: RAS LaVrar, LLC
State: VA

Complaint narrative:
I am filing a formal complaint against RAS LaVrar LLC for engaging in unfair, deceptive, and abusive collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically regarding the prohibition against false or misleading representations.On or about XX/XX/year>, I received a document in the mail from this company formatted precisely like an official Virginia XXXX XXXX XXXX civil " Warrant in Debt. '' The paperwork explicitly listed a specific court date and time, creating the strong impression of an active lawsuit. However, the form completely lacked a court case number.Concerned by this notice, I contacted the clerks office for the XXXX XXXX XXXX listed on the document. The court clerk searched their database and explicitly confirmed that no lawsuit has been filed against me by this company, and no such case exists on the docket.Sending unfiled, simulated court documents containing a fictional court date via standard mail is a deceptive scare tactic explicitly designed to mimic legal authority, bypass legitimate service of process rules, and pressure me into paying without due process.Desired Resolution : I request that the agency investigate this collector 's deceptive mailing practices. I demand that RAS LaVrar LLC immediately cease and desist all collection attempts using simulated or unfiled legal documents, and provide a formal, written apology acknowledging their deceptive communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have this account on autopay and despite this, the bank charges me for late payments. I have already spoken with them on several occasions and they have fixed it, but the problem persists. But now, they also made a report for late payment to my credit bureau, causing my payment history, which has always been 100 %, to be affected.

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 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding this collection account being reported by Central Portfolio Cont for an alleged debt originally associated with XXXX XXXX XXXX XXXX. I do not recognize this debt and do not believe this account has been properly validated. After seeing the collection account on my credit report, I disputed the account and requested verification/validation of the alleged debt. The company did not provide sufficient documentation showing that the debt belongs to me or that they have the legal right to collect and report it. Despite my dispute and request for validation, the account continues to be reported on my credit file. I am requesting that the company provide complete verification of the debt, including : * A copy of any signed agreement or contract * Documentation proving I am legally responsible for the debt * A full payment/account history * Proof of assignment or authority to collect the debt

Company response to consumer: Closed with explanation