vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: MD

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. This situation has caused me significant stress and anxiety, affecting my mental health and overall well-being. It has been frustrating and emotionally draining to deal with an account that I do not believe has been properly validated. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Check was deposited into account ending in XXXX and not XXXX have this account over XXXX years never an issues. Teller made error no fault of mine My debit card connected to XXXX not XXXX account only use for social security link. Bank didn't lose any bank but refuse to credit me all overdraft fees due to teller placing check in wrong account. I am XXXX on a. XXXX need Truist bank credit my account for all overdraft fees Truist didn't loose any money so why XXXX keep Senior citizen funds when bank made the error The branch manager response to me I should have checked my balance and use alerts this wouldn't have occurred I call customer service twice call the complaint hep line talked with branch manager for XXXX week The manager said to me I been busy hasn't have time " over XXXX week no response from complaint filed with Truist, or my local bank. {$4000.00} check deposit XX/XX/2026. All overdraft after XX/XX/2026 were dues to teller error not XXXX XXXX. Please credit my account for overdraft. The bank manager only credit XXXX I believe were about XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX Very poor customer service and extremely unprofessional.

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 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Improper handling of fraud dispute I am filing this complaint because Bank of America has denied my fraud claim three separate times despite substantial evidence that a {$940.00} charge on my credit card was unauthorized. Each time the same exact 42 page report has been sent to me, none of the investigative work that I provided and mailed to them was ever reviewed. The charge was made using my stolen credit card information, not my physical card, which remained in my possession at all times. My personal information, including my phone number and address, had been compromised and was used by another individual to impersonate me. During the dispute process, I provided Bank of America with extensive documentation, including evidence identifying the individual who used my information and information showing a documented criminal history involving theft-related offenses. Despite this evidence, the bank relied on information obtained from the person who benefited from the transaction and concluded that the charge was authorized. Bank of America also relied on the fact that there were legitimate charges on my account around the same time as the fraudulent transaction. I do not believe this is a reasonable basis for denying a fraud claim, as legitimate account activity does not prove that every transaction was authorized by the cardholder. I have fully cooperated with the bank 's investigation, responded to all requests for information, and appealed the decision multiple times. However, I have not received a satisfactory explanation addressing the evidence I submitted or explaining why it was disregarded. I am requesting that Bank of America : Conduct a new and impartial investigation of the {$940.00} fraudulent charge for the forth time. Review all evidence previously submitted. Provide a detailed written explanation of the basis for any decision. Credit my account for the unauthorized {$940.00} charge if the investigation confirms that I did not authorize the transaction. I believe Bank of America 's investigation was incomplete and failed to adequately consider the evidence supporting my claim. I respectfully request the CFPB 's assistance in obtaining a fair review and resolution of this matter. Kindly note >>>The most decisive information that I found was the vehicle the merchant noted on the XXXX receipt that B of A obtained from the merchant and they have in my file shows he worked on a XXXX truck, I do not even own a XXXX truck.

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 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: OH

Complaint narrative:
I am filing this complaint against NATIONAL RECOVERY AGENCY, located at XXXX XXXX XXXX, XXXX, PA XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$2400.00} originally owed to XXXX XXXX, Account XXXX. xxxxxx XXXX, on my consumer credit reports with Experian, Equifax, and/or TransUnion. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XXXX/2026, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm, including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
company using a bate and switch of " sort '' to hold on to funds then release them back to customer only to IMMEDATELY re-charge the account later that eve so MASSIVE NSF and or negative actions are created for customer to later have to pay through the FACE to get it resolved ... also bank is ONLY speaking to me via the EXTREMEMLY SLOW online messaging portal... instead of using a TELEPHONE.... ND RESOLVING CLAIM.... NOW

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
XX/XX/year> : I was approved for the Frontier Airlines Mastercard. Due to requesting an alternate shipping address while taking care of my parents for a family emergency, the application was flagged for security verification. XX/XX/year> present : Attempted to verify ID by faxing copies of a valid foreign passport supported by a valid XXXX. Permanent XXXX XXXX ( XXXX XXXX ). Faxes were sent initially on XX/XX/XXXX, and subsequently resent daily with different fax machines, resolution settings, etc over the past XXXX weeks. The Problem : XXXX. Technical Failure : Despite making manual formatting and contrast adjustments daily, Barclays ' internal automated fax-receiving software renders the photo ID unreadable on their end. Representatives state the fax is " blurry, '' which is an internal IT transmission error, not a consumer error. XXXX. Policy Impasse : Barclays ' security department explicitly refuses to accept a valid foreign passport supported by a valid XXXX. Permanent XXXX XXXX as an acceptable form of identity verification through this loop, creating an administrative bottleneck. XXXX. Loss of Promised Incentive : Because the countdown timeline for the promotional sign-up miles bonus begins on the date of system approval rather than card activation, Barclays ' administrative and technical delays are actively depriving me of the promotional window required to meet the minimum spend.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I opened a new checking account. I have only had direct deposits go into the account. My brother, who also banks at Chase, went to make a deposit into my account for me to purchase a used car. The deposit was made as cash and I w/d it as a cashier 's check. This was the only transaction that could have been in question, but Chase flagged and is closing my account for fraud even though there is no fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I make it a point to regularly review my credit report because my credit standing is important to me, yet I continue to find numerous accounts containing inaccurate and false information. This has become a recurring problem that remains unresolved despite my repeated efforts to bring these errors to attention. It is incredibly frustrating to keep seeing the same inaccuracies reported month after month without meaningful corrective action being taken. The ongoing presence of this false information has unfairly harmed my credit score, created unnecessary obstacles in my financial life, and caused significant stress and exhaustion.

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 2026-06-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: NBT BANCORP INC.
State: NY

Complaint narrative:
I opened a CD on XX/XX/year> with a 4 month term for {$220000.00} with NBT Bank XXXX. XXXX XXXX XXXX XXXX XXXX, NY XXXX I closed the account on XX/XX/year> * The truth in savings disclosure states the early withdrawal penalty is as follows... " ... your account may be charged the following penalty : if the term of your time deposit is XXXX months or less, the penalty will be equal to the interest earned for the number of days in the XXXX prior to the withdrawal. '' * see attached NBT disclosure NBT Bank penalized my withdrawal all of the interest earned since XX/XX/year> = {$1200.00} AND an additional {$320.00} from the principal stating the early withdrawal fee is equal to XXXX months interest wether earned or not. This additional penalty from principal is not described in the disclosure and the {$320.00} fee from the principal should be refunded. Thanks for the help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I am writing regarding an unauthorized Affirm account that was opened using my personal information. I previously reported this matter to Affirm and received email confirmation that my fraud report had been received. However, despite my prior notification, the account remains open and has not been properly resolved. I did not authorize this account, nor did I authorize any transactions associated with it. I am requesting that this matter be immediately escalated to your Fraud Department for investigation. Please provide me with the following in writing : * Confirmation that this account has been flagged as fraudulent. * The status of your investigation. * Confirmation that the unauthorized account has been closed. * Written confirmation that I will not be held responsible for any charges or activity related to this account. * Copies of any documentation or information used to open the account, as permitted by law. Also I spoke to someone from this company back in XXXX as well as XX/XX/year>, who assured me that the account was going to be closed. They gave me a list of stores and purchases amounts that they have used obtaining my information only to find out today, XX/XX/year> when I called in because I received another monthly bill that the account was not open and whos ever using. My information is continuing to order things from this agency. I dont have an account theyre asking me for my login information. I never created a login information because the account was made fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
I was a XXXX XXXX customer and I was being billed for a service for a residence I did not live at. I did find out about it but refused to pay. They were very pushy about me trying to explain what happened. As of this year I got contacted about a data breach at XXXX as well. Just looking to get this straightened out. I have proof of my old residence, I can provide whatever information necessary for that. And I have the address still of the other resident that opened an account on my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am filing this complaint against PORTFOLIO RECOVER ASSOCIATES , LLC, located at XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX, for multiple willful violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This company is currently reporting an alleged debt of {$1700.00} originally owed to XXXX XXXX XXXX A, Account No. xxxxxxxxxxxx XXXX, on my consumer credit reports with XXXX, XXXX, and/or XXXX. This account is inaccurate, unverified, and/or past the applicable statute of limitations. On XXXX/2026, I sent a written Cease and Desist and Debt Validation letter demanding that this company : ( 1 ) cease all collection activity ; ( 2 ) provide full written validation of the alleged debt; and ( 3 ) immediately remove this account from my consumer credit reports. As of today, the company has VIOLATION 1 REPORTING INACCURATE AND UNVERIFIED DEBT ( FCRA 15 U.S.C. 1681s-2 ) : This company is reporting an account on my consumer credit file that has not been properly verified. Despite receiving my written dispute, this company has continued to report this unverified account to all three credit bureaus in direct violation of FCRA 15 U.S.C. 1681s-2 ( b ), which requires a reasonable investigation and correction or deletion of any information that can not be verified. This unlawful collection and reporting activity has caused me significant harm, including damage to my credit. I am demanding that the CFPB investigate this matter, require this company to immediately delete this account from all three credit bureaus, and take appropriate enforcement action. I have attached my Cease and Desist letter, certified mail tracking confirmation, and screenshots of the tradeline from all three credit bureaus. All records are preserved for potential civil litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
I am requesting validation of the debt, including all the documentation and information I demanded in my previous letter, pursuant to consumer protection laws. If they're unable to validate the debt in full compliance with the law, they're required to remove that negative account from my credit report. This inaccurate and unverified item is causing me significant harm and is impeding my ability to advance my business operations and maintain proper relationships with financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I am currently going through a highly stressful financial time and Citizens Bank has removed the ability to make payment on my account online. I was disclosed that this option would be available as part of their disclosures now they have removed that ability for me to make a payment. I called and the rep could not take a payment from my saved account that I have online either? This company is making it very difficult to make payments and very fristrating. They said when an account falls delinquent they remove the online payment option.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Westcreek Financial
State: GA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX. I am writing to formally address a severe issue regarding my recent experience with XXXX/Koalafi. I have provided attached documentation that outlines the full scope and specific details of this dispute. To summarize the situation : My 2020 XXXX XXXX XXXX recently required a new transmission at XXXX XXXX XXXX, resulting in a repair bill of {$5000.00}. Because I did not have the immediate funds to cover this cost, the Service Advisor recommended that I apply for a loan through XXXX XXXX XXXXKoalafi online to cover the maintenance expenses. While navigating the online application, I attempted to communicate with a customer service representative over the phone. However, I was severely misled and deceived during this interaction. XXXX is not my native language ; XXXX XXXX XXXX ( XXXX ) is my primary language. Complex financial terminology is incredibly difficult to navigate without proper communication access, and I was pressured into a situation I did not fully understand. Furthermore, your institution actively discriminated against me by failing to provide accessible communication. This conduct is a direct violation of Title III of the Americans with Disabilities Act ( ADA ). As a place of public accommodation, your financial institution is legally required to provide necessary auxiliary aids and servicessuch as a qualified XXXX interpreterto ensure effective communication during the execution of complex financial contracts. Pressuring a XXXX individual to sign electronic documents without ensuring full comprehension constitutes illegal discrimination. Due to the predatory nature of this interaction and the severe psychological and emotional distress it has caused me, I am seeking a formal financial settlement. Please thoroughly review the uploaded documentation to get the full history of this matter. I expect a prompt response to resolve this issue effectively. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation