vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: PA

Complaint narrative:
LJ Ross Associates is attempting to collect a debt they do not own and have no authority to collect, while simultaneously reporting an inaccurate balance to credit bureaus. Evidence attached : Exhibit A : LJ Ross letter dated XX/XX/year> demanding {$4800.00} Exhibit B : XXXX XXXX XXXX letter dated XX/XX/year> ( XXXX week later ) treating the account as active and offering payment plans directly Exhibit C : XXXX decision dated XX/XX/year> confirming XXXX XXXX XXXX told the XXXX the debt went to " XXXX XXXX XXXX, '' not LJ Ross Exhibit D : My XXXX credit report showing LJ Ross reporting {$4100.00} ( a third different balance ) Timeline of violations : XX/XX/year> : LJ Ross sent collection letter claiming debt is {$4800.00} XX/XX/year> : XXXX XXXX XXXX sent me a letter directlyoffering payment plans, re-enrollment in AutoPay, and listing their customer service number. This proves the account was still active with the original creditor. XX/XX/year> : I sent LJ Ross a certified mail dispute demanding validation. They have not responded. XX/XX/year> : XXXX decision confirms XXXX XXXX XXXX told the XXXX the debt was sent to " XXXX XXXX XXXX, '' NOT LJ Ross. Present : LJ Ross continues to report the debt to XXXX with an inaccurate balance of {$4100.00}. Legal violations : FDCPA XXXX ( XXXX ) ( A ) : False representation of the character, amount, or legal status of the debt. They claim {$4800.00} ( letter ) and {$4100.00} ( credit report ) neither matches XXXX XXXX XXXX 's {$4800.00}. FDCPA XXXX ( XXXX ) : Threat to take action that can not legally be taken. They can not collect a debt they don't own. FDCPA XXXX : Unfair practices by collecting amounts not permitted by law. FDCPA XXXX ( b ) : Continued collection activity ( credit reporting ) without providing verification after receiving my written dispute. FCRA XXXX ( b ) : Reporting inaccurate balance to credit bureaus.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: IL

Complaint narrative:
I am writing in regard to a collection account from ProCollect Inc that is currently being reported on my credit report. I do not recognize the alleged debt, including the original creditor or the amount claimed. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting full validation of this debt. Please provide documentation verifying that this debt is accurate and that your company has the legal right to collect it, including but not limited to the name of the original creditor, the original account number, the amount owed, and any supporting contracts or agreements bearing my signature. Please note that this letter is not an acknowledgment of responsibility for the alleged debt, nor is it a refusal to pay. It is a request for verification as required 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: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

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 non-monetary relief
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
i'm not liable for this debt with LVNV FUNDING LLC, i don't have a contract with LVNV FUNDING LLC, they did not provideme with the original contract as i requested

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: OK

Complaint narrative:
I am trying to pay a debt to XXXX AND XXXX XXXX. I can not get in contact with the appointed representative for issuing file numbers to log onto thheir website and pay. When I get someone to pickup initially to make a payment they say my file hasnt been downloaded so they cant help me. Then they transfer me to some other department and I have waited over a hour before the line goes dead. A few months ago I had been told that I would be contacted in a few weeks to get a file number, and that never came about.I have been trying to get this taken care of for a year. Please help I need to get this resolved and off my credit report. Please help. Thank you for your 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 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On XX/XX/year>, I purchased tickets for a XXXX XXXX show totaling {$640.00}, paid through PayPal from my bank account. I believed I was purchasing directly from the venue, but the transaction was later identified as a third-party reseller ( XXXX XXXX XXXX / XXXX ). After purchase, I did not receive verifiable ticket details such as confirmed seat locations. The seller stated ticket information would be provided shortly before the event, preventing me from verifying the purchase or securing alternatives. I attempted multiple times to contact the seller using the provided phone number, email, and support links, but they were nonfunctional or unreachable. I filed a dispute with PayPal due to inability to verify or access the tickets. PayPal denied my claim without allowing me to review the sellers evidence and instructed me to contact the merchant. When I did, the merchant refused to assist, stating they could not communicate due to the active dispute and directed me back to PayPal. As a result, neither PayPal nor the merchant provided a resolution, leaving me without verifiable tickets or a refund of {$640.00}.

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: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
Im opening a claim because my other claim was closed unresolved. Claim # XXXX I am disputing Goldman Sachs XXXX response dated [ Date of their response ]. The Banks investigation was not 'reasonable ' as required by the 2024 CFPB XXXX XXXX ( XXXX ). The Bank claims there is 'no evidence ' because I do not have receipts. This is a circular argument : the merchants in XXXX, XXXX, and XXXX illegally refused to provide receipts at XXXX XXXX of sale to facilitate these overcharges. By accepting the merchant 's POS log as 'proof ' while ignoring their violation of XXXX XXXX XXXX ( requirement to provide a receipt ), Goldman Sachs is effectively incentivizing merchant fraud. XXXX XXXX XXXX Violation : Merchants did not provide receipts, making it impossible to audit the amount before the 'tap ' was processed. Violation of Local Fiscal Laws : Under the Turkish Tax Procedure Law and XXXX XXXXXXXX XXXX Law on Registration of Cash Payments, these merchants are legally required to issue a fiscal receipt ( XXXX XXXX XXXX / ) for every card transaction. The Bank has failed to demand these legally mandated documents from the merchants. Incorrect Transaction Amount ( Reason Code XXXX ) : I am asserting a 'Billing Error ' under the Fair Credit Billing Act. I verbally authorized amounts equivalent to ~ $ XXXX {$2.00} USD, but was charged up to {$38.00}. I request that the CFPB compel Goldman Sachs to perform a 'Representment Request ' requiring these merchants to produce their official national tax fiscal receipts. If they can not produce the government-stamped fiscal record, they have no legal right to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I took out a deferred Parents Plus student loan for my son with U.S Dept Of Education. NELNET. They were sending all notifications regarding my loan to a incorrect email. I did not receive and they did not send any notices to my address of record by regular mail to notify me. All communications were sent to a incorrect email XXXX Meanwhile the payments became past due and on XX/XX/XXXX and NELNET reported this to the credit agencies. My credit score went from nearly XXXX to XXXX, it has destroyed my credit score. just because of this issue with NELNET, They have violated my right to pay this on time by not giving proper communication when they should have, I would have paid all obligations on time if I was given this notice by regular mail, also I paid all past due amounts on XXXX to bring the account current like all the rest of my accounts with creditors. I would like these negative marks removed from my credit report. P.S. on XXXX I requested them to send all correspondence by mail only. FAIR CREDIT ACT Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding a fraudulent account being reported by CarMax Auto Finance on my credit report as a result of identity theft. I have previously notified CarMax Auto Finance that this account is not mine and is the result of identity theft. I provided them with all required documentation, including a Federal Trade Commission ( FTC ) Identity Theft Report and a police report documenting the theft of my personal identifying information, including my Social Security card, credit cards, and identification. Despite receiving this documentation, CarMax Auto Finance has continued to report this account and has marked it as verified without providing any evidence that this account belongs to me. This is a direct violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA XXXX ), which requires that information resulting from identity theft be blocked within XXXX ( XXXX ) business days of receiving proper documentation. Additionally, this account is being reported inconsistently across multiple credit bureaus, further demonstrating that the information being furnished is not accurate, complete, or verifiable, in violation of XXXX U.S.C. XXXX ( b ) and XXXX. CarMax Auto Finance has failed to : - Properly block identity theft information- Conduct a reasonable investigation - Ensure maximum possible accuracy of the information being reported Their continued reporting of this fraudulent account is causing ongoing damage to my credit profile. I am requesting the following resolution : XXXX. Immediate deletion and permanent blocking of this account from all credit reporting agencies XXXX. Written confirmation that the account has been removed XXXX. An explanation of how this account was previously verified despite clear identity theft documentation If this matter is not resolved, I am prepared to pursue all available legal remedies for willful noncompliance under the Fair Credit Reporting Act. I have attached supporting documentation, including my police report and FTC XXXX Theft Report, as proof of identity theft. This matter requires immediate attention.

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: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I was approached by unknown individuals in a parking lot at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, who offered to sell me what they claimed was an XXXX XXXX XXXX projector valued at over {$4000.00} for {$1000.00}. I was deceived into believing this was a legitimate transaction. I transferred {$1000.00} via XXXX XXXX XXXX Bank of America account on XX/XX/XXXX. Upon arriving home, I discovered the product was a worthless counterfeit with no features resembling the item described theft by deception and misrepresentation. I took the following actions : Filed fraud claim with Bank of America the same day, XX/XX/XXXX Filed XXXX Police Report : XXXX Filed FTC Report XXXX # XXXX Submitted supporting documentation to BofA XXXX department via email Requested reconsideration citing Regulation E protections Bank of America denied my claim stating XXXX transactions are not covered, despite this being a fraudulent transfer obtained through deception which qualifies as unauthorized under Regulation E. The counterfeit item remains unopened and available as evidence. The subjects are unresponsive. I am requesting CFPB intervention to require Bank of America to review this claim under Regulation E federal protections. The transaction was induced through criminal impersonation and fraud. Under the latest CFPB guidance ( Summer XXXX ), financial institutions are encouraged to protect consumers when 'scammers trick consumers into into making a payment '. I am contesting the bank 's narrow interpretation of 'authorized ' when a criminal act is the catalyst for the transfer. BofA Reconsideration pending initial claim was denied.

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 — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Around last XXXX ( XXXX ), I received a promotional letter from Discover offering a {$100.00} statement credit if I spent {$200.00} within the first XXXX months after enrolling through a XXXX code included in the letter. The letter also stated that I needed to apply by XXXX. I applied for the credit card on XX/XX/XXXX using the XXXX code provided in the letter and was approved. Within the first XXXX months of opening the account, I met the required {$200.00} spending threshold. After not receiving the {$100.00} statement credit, I contacted Discover through their in-app chat customer service in XX/XX/XXXX to ask about the promotion. I was told they could not find any record of the promotion or offer and that I would need to call customer service for further assistance. I called Discover customer service on XX/XX/XXXX to ask whether I qualified for the promotion and why I had not received the credit. I also asked how I had signed up for the card. The representative confirmed that I applied through a mailed letter but stated they couldn't identify which letter and claimed that no such promotion existed. I still have the original promotional letter, which shows the offer and requirements, and I have account statements showing that I met the spending requirements. Discover hasn't honored the advertised terms despite how I met the conditions.

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: Affirm Holdings, Inc
State: CO

Complaint narrative:
I purchased 1 year of XXXX from XXXX on my affirm account. I answered o. Intake I want to stay on current medication medicine and dose. They sent wrong medication and dose of 1 month. I tried to cancel XXXX it was sent add they would not. Now will not refund or send correct medication I am out XXXX

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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Complaint to Consumer Financial Protection Bureau Business Name : Goldman Sachs Bank USA ( Credit Card Services ) Product : Credit Card ( Dispute / Fraud Resolution ) Nature of Complaint : Refusal to properly process fraud dispute and provide protection under credit card policies Complaint Details : I am filing this complaint regarding the handling of a fraud dispute on my credit card account. An unauthorized charge of {$490.00} USD was made to my account as part of a broader identity theft incident. My email account was compromised, and I have since experienced a high volume of fraudulent and phishing-related activity. I acted immediately and in good faith : Reported the transaction to my credit card issuer Filed a formal dispute Filed a police report for identity theft Filed an official identity theft report Confirmed that the associated service was never accessed or used Despite these actions, Goldman Sachs has refused to properly process or advance the dispute. This is concerning given that credit card issuers are expected to investigate unauthorized transactions and provide consumer protection under established billing error and fraud regulations. At this stage, I am not receiving the level of support, clarity, or procedural follow-through that is expected in a fraud case of this nature. The lack of resolution and apparent refusal to move the dispute forward places the burden entirely on me, despite clear evidence of unauthorized activity. Resolution Requested : Immediate and proper processing of the fraud dispute Confirmation that the charge is being treated as unauthorized Provisional credit issued during the investigation, if not already provided Clear communication on the status, timeline, and next steps Full reversal of the unauthorized charge upon completion of the investigation Additional Notes : I am fully cooperating and have documentation available, including the police report, identity theft report, and confirmation that the service was never used. This situation requires prompt and compliant handling in line with consumer protection standards for credit card fraud. Sincerely, XXXX

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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I was charged {$980.00} by XXXX XXXX for a round-trip flight. During my return journey, my layover at XXXX XXXX ( XXXX ) was extended to approximately XXXX hours due to the regional conflict. XXXX XXXX refused to provide hotel accommodation, which they are obligated to provide under their own conditions of carriage during irregular operations of this length. No airport hotel rooms were available as an alternative, leaving me stranded without options. I also communicated to XXXX XXXX staff that I have XXXX, for which sleep deprivation is a documented XXXX trigger. They refused accommodation regardless. XXXX XXXX provided XXXX contradictory reasons for the refusal : first citing that my inbound segment had been operated by a partner airline a rebooking XXXX XXXX themselves imposed on me and later shifting to cite the regional conflict after the first justification was challenged. I have video evidence of staff refusing accommodation and XXXX written exchanges with the airline documenting their refusal and changing justifications. I filed a chargeback with Capital One for {$490.00} on XX/XX/XXXX, representing the return portion of the ticket, on the grounds that the service was materially not delivered as contracted. I submitted complete supporting documentation. Capital One responded with a form letter requesting additional materials. I resubmitted on XX/XX/XXXX and received the identical form letter. I resubmitted again on XX/XX/XXXX and received the identical form letter a XX/XX/XXXX time. I resubmitted again on XX/XX/XXXX, after calling to ask what specifically they needed from me to move forward since I had sent them all the evidence they asked for. No response from Capital One referenced or engaged with any of the specific documentation I provided. I am filing this complaint because Capital One has failed to conduct a good faith investigation of my dispute as required under the Fair Credit Billing Act, despite XXXX documented submission attempts.

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: AFNI INC.
State: WI

Complaint narrative:
XXXX XXXX tied a second line to my phone after phone was stolen and continued to charge me after I paid off my device and I requested to deleted the account after paying phone off an amount owed they then added charges and another months service when I didnt have a XXXX account or pin.

Company response to consumer: Closed with explanation