vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phillips & Cohen Associates, Ltd.
State: AR

Complaint narrative:
Phillips & Cohen Associates , Ltd. sent me debt collection emails on XX/XX/XXXX and XX/XX/XXXX. In both emails, the visible email text stated only that an important notice was attached regarding an account, identified a PCA reference number, and said this was an attempt to collect a debt. The visible email text did not identify the creditor to whom the debt was allegedly owed and did not include clear validation/dispute rights. Instead, I was told to open a password-protected PDF attachment by entering the ZIP code of my home mailing address. The attachment was not accessible to me. Because the only supposed notice was placed in an attachment I could not open, I was unable to determine who the alleged creditor was, what debt was being claimed, or how to dispute it. The communication therefore did not provide me a usable validation notice or a meaningful opportunity to dispute the debt. Under 15 U.S.C. 1692g, a debt collector must provide validation information, including the amount of the debt, the name of the creditor to whom the debt is owed, and statements explaining the consumers right to dispute the debt within 30 days. Regulation F, 12 C.F.R. 1006.34, likewise requires validation information, including the name of the current creditor. My concern is that Phillips & Cohen attempted to provide legally required debt validation information only through an inaccessible password-protected attachment. Because the email itself omitted the creditor identity and dispute notice, and because the attachment could not be opened, I believe I was not effectively provided the required validation notice. That appears to violate FDCPA 1692g and Regulation F. I do not have any contract with Phillips & Cohen, and the emails did not clearly identify whether they were collecting for another creditor, an assignee, or some other entity. That made it impossible for me to verify the source of the alleged debt from the communication itself. I have also sent them a cease and desist letter. This will also serve as my intent to sue for FDCPA violations if they contact me again about any debt, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: VA

Complaint narrative:
Ive made a transaction for almost {$4900.00} and it immediately went into review with PayPal they said they need for information as I was sending it they permanently deleted my account with the funds still in there and said I have to wait 180 days for it to be released they never gave me a reason for the account being deleted and still wont after 2 weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Could you review this entry? Its late and might contain errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: NC

Complaint narrative:
This debt shows on my credit report from 2020 to address I was not at and also I have no knowledge of this account nor received any validation of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
b'On XXXX XX/XX/2025 I have Scammed , I and I have lost XXXX Venmo XXXXI met a girl on a dating website and we had many XXXX XXXX from time to time.He suddenly made a request: he wanted to buy a pair of sunglasses, and he wanted some money from me.I then agreed and told him, "Okay, I will pay. Give me the payment link for whatever you want to buy."Then when he sent the payment link, I processed the payment with my Venmo debit card, but for some undisclosed reason my payment was not completed at that time.Then he told me that maybe there was no money on my card, so I told him how many dollars I had on my card.After finishing the conversation like that day, I went out, but when I returned home, I saw that several dollars had been transferred from my account through a cryptocurrency company.When I contacted my girlfriend about this, she told me that she didn\'t make those transactions. Then, when we had an argument, she blocked me and deleted all the conversations.I believed that these transactions were made by stealing my card information, At that time, I didn\'t know that if a transaction is completed, it can be refunded again. Yesterday, My Lawyer friend of mine had the same problem as me, so he called the bank and opened a dispute.I then told him about my issue. He then told me to call the bank immediately and open a dispute.But when I called the bank, they told me the transaction happened a long time ago, so they didn\'t accept my dispute.\n\nThen my friend suggested filing a complaint with the CFPB, so I filed a complaint here.Now I demand a chargeback against my transaction and a full refund. I know I have late but Venmo have to Rights to refund. unauthorized transaction\n\nMy Venmo account detailsXXXX XXXX XXXX XXXX XXXX XXXXUnauthorized charges datilsXXXX XXXX XXXX XXXXUnder Regulation E (Electronic Fund Transfer Act), an "unauthorized electronic fund transfer" includes transfers initiated by a person who obtained the access device through fraud or without the consumer\'s actual authority. I was a victim of a credential-harvesting scam. I did not authorize a payment to XXXX. Venmo provide a thorough investigation or fulfill their consumer protection obligations.\ni have also complain FTC\n\nKindly Note :I don\'t have XXXX account and not in my household.\nThis is my written permission to take all legal action against these transactions. \nI respect Venmo, please return my unauthorized transactions. If not, I will take my lawyer friend to court and he will help me for free. I\'m not going to small Claim cort.if Venmo solve my problem.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: PA

Complaint narrative:
Debt collection agency listed 1 account three separate times. Debt appears three times on credit report. Debt collection agency as re-aged debt from original date. They have also changed dates multiple times. Certified mail sent XX/XX/XXXX requesting information. No reply received. XXXX week later, all three entries were removed from credit report. On XX/XX/XXXX, XXXX entries were placed back on credit report. Copy of Certified letter : NTL Recovery Agency XXXX XXXX XXXX XXXX, PA XXXX Re : Request for Debt Validation and Notice of Dispute To Whom It May Concern : I am writing to formally dispute the validity and accuracy of a debt you are reporting on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I have identified that your agency is reporting what appears to be the same debt multiple times on my credit report. Specifically, there are three separate collection accounts listed with the same balance ( {$2200.00} ) and the same original creditor ( XXXX XXXX XXXX ), but with different account numbers and date opened entries ( including XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). This raises serious concerns regarding duplicate reporting of the same debt, potential re-aging of the account, and inaccurate and misleading credit reporting. I am requesting full validation of this debt. Please provide the following : 1. Proof that I am legally obligated to pay this debt 2. The name and address of the original creditor 3. A complete payment history, including the date of first delinquency 4. Documentation showing your legal authority to collect this debt 5. An explanation for why this debt is being reported multiple times 6. Verification that the reporting of multiple accounts does not violate the FCRA If you are unable to provide this information, or if the accounts are found to be duplicative or inaccurately reported, you must immediately request deletion of all inaccurate entries from all credit reporting agencies. Additionally, pending your investigation, I request that you cease reporting this account as it is disputed. Please note that reporting information you know to be inaccurate or failing to correct inaccuracies may constitute a violation of federal law. Under the Fair Debt Collection Practices Act and Fair Credit Reporting Act, you are required to respond within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AR

Complaint narrative:
Cashapp has denied my dispute of a transaction for fraud. This is what cashapp told me on email. we keep your money safe from fraud and protected with proactive security features and 24/7 fraud prevention. Set up direct deposit today to start getting more from your paychecks. They have all the messages of the seller not sending me the tracking and he has completely ghosted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
Failure to Release Funds - Case # XXXX - Card ending in XXXX Description of Incident Issue : Unlawful withholding of funds and failure to resolve a documented dispute for over 8 months. Timeline & Facts : XX/XX/year> : A hotel accidentally issued a refund to my Mastercard Gift Card ( Account ending in [ Insert Last XXXX Digits ] ). This triggered an automatic " invalid '' status on the card, preventing me from accessing the remaining balance of {$250.00}. XX/XX/year> : Per the instructions of InComm XXXX XXXX ( the servicer for XXXX XXXX ), I submitted all requested documentation, including the original purchase receipt and the refund confirmation from the hotel. XX/XX/year> XXXX : I have contacted customer support via telephone every single week for the past XXXX months. Each time, I am told the case has been " escalated '' and the documents are " under review. '' Final Attempt : On [ Insert Date you sent the last email ], I sent a formal escalation email to InComm and XXXX XXXX XXXX compliance addresses. I have received no response. The Problem : Despite fulfilling all requirements and providing proof of funds, the issuer has withheld {$250.00} of my money for over 200 days without a valid explanation or a timeline for resolution. This is not a complex dispute ; it is a simple document verification that has been ignored for a quarter of a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was banking with Bank of America and I received a notice that BofA decided to end their relationship with me as their customer. I have funds in my account that has not been released to be. Ive been calling the risk closure department every day going on XXXX weeks now, and I am getting the runaround with no progress made. I escalated the situation and sent in a request to pick up my check from the bank. I am being told to wait XXXX business days and it has been over XXXX business days and I was just told that the bank resubmitted the request, and I have to wait an additional XXXX business days. I keep getting the runaround from this bank and they have not released my funds that I desperately need.

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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
I purchased a car through a buy here pay here dealer. They charged me a {$2500.00} down payment on a XXXX car. My lender was XXXX XXXX. I fell behind on my payment and called XXXX XXXX to discuss my options as they say to do. I tell them I need a few days to get the payment made and the girl on the phone says she will note the account. The next day they repossessed my car. It cost me {$710.00} to get the car out of repossession. I'm currently behind on my payments again. I am reluctant to call, as it will not make a difference. I use the car to work so if I have no car, I can not make money. Credit acceptance calls my phone by way of robocaller up to twelve times per day every single day. They have made it so that I can not use my own personal phone without them calling. They have been harassing me for about two weeks now and I would like it to stop.

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 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have been experiencing financial hardship due to job loss approximately XXXX months ago. I have no current income and have been unable to obtain unemployment benefits. I contacted Goldman Sachs ( Apple Card ) on multiple occasions this is my third contact requesting enrollment in a hardship or Customer Assistance Program to help manage my account balance of approximately {$37000.00}. I lost my job in XXXX, and contacted the bank in XXXX needing Help, they told me to contact them at the start of XXXX. However During my most recent chat on XX/XX/year>, a supervisor named XXXX informed me I was not eligible for the Customer Assistance Program due to the timing of my billing cycle specifically because a new minimum payment had just been generated and the due date of XX/XX/year> had not yet passed. He advised me to contact Goldman Sachs again after the due date, with the minimum payment unpaid, in order to potentially qualify for assistance programs. I was also told I could not speak with a collections specialist because my account has not yet reached that status. Essentially, I am being directed to miss a payment and damage my credit record before any hardship assistance becomes available despite proactively reaching out in good faith before falling delinquent. I am requesting that Goldman Sachs review my account for immediate hardship program eligibility, interest reduction, or a structured payment plan that does not require me to first default on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am trying to close my business account. But, was advised the monthly fees are associated with the account, and closing the account mid-month would result in the fees being charged at the end of the month. This would reopen the account in a negative balance. Twice, I have gone to the branch and met with a banker. He has tried to get the services closed. XXXX and XXXX. On the last visit, he assured me all were closed. But, to be sure, leave money in the account until the end of XXXX to make sure. Today I got my statement, and there is another {$110.00} charge for account fees. Including the fee for XXXX and XXXX. Both of which he assured me were turned off. All I want to do it close the account. They can keep the remaining few XXXX dollars in the account. But I can ill afford to keep chasing this every month to get the account closed! Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Complaint Against : Fifth Third Bank ( Commercial Loan Servicing Issue ) Summary of Issue : I am filing this complaint regarding a commercial loan servicing issue that has remained unresolved for nearly XXXX months. The bank has made unexplained and unauthorized adjustments to my loan and has continued withdrawing funds from my account without providing clear terms, documentation, or resolution. Timeline of Events : XX/XX/XXXX : Commercial loan agreement terms signed, with the amount of {$1700.00} being automatically debited from my account, applying principal and interest amounts to the loan, with last payment date being on XX/XX/XXXX. XX/XX/XXXX : I contacted the bank to request interest information for tax purposes. I was informed that only interest payments in the amount of ~ {$880.00} had been automatically withdrawn monthly, which did not align with my understanding of the loan terms. XX/XX/XXXX XX/XX/XXXX : I made multiple attempts to obtain clarification and updates. No meaningful information was provided. XX/XX/XXXX : A corrected payment amount was withdrawn from my account without prior notice or explanation. XX/XX/XXXX : The bank presented two resolution options ( catch-up payments or loan restructuring ), but did not provide sufficient details to evaluate either option. XX/XX/XXXX ( same day ) : I formally requested key details in writing, including : Total principal past due Payment structure under the proposed solution Confirmation of loan terms Any associated fees A breakdown of how prior payments were applied Draft documentation of any amendment XX/XX/XXXX XX/XX/XXXX : I followed up multiple times and was told there were no updates. XX/XX/XXXX : A second corrected payment was withdrawn without notice or explanation XX/XX/XXXX : Emailed Fifth third commercial loan department requesting an update on the account. To date, no updates have been received. I provided a reasonable deadline for resolution, which has passed without response. Issues of Concern : Funds have been withdrawn from my account without clear authorization or explanation. The bank has failed to provide a clear accounting of how payments have been applied. I have not received written terms or documentation necessary to evaluate proposed solutions. There has been a lack of communication despite repeated follow-ups. The situation has created financial uncertainty for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: NY

Complaint narrative:
I entered into a debt management program. Cherry refused to participate. I asked Cherry if they can lower my monthly payments due to my Cherry monthly payments added to the debt management. Monthly payment is more than my Social Security retirement. They refused. I am not in arrears with Cherry. On XX/XX/XXXX, I received a reply to yet another request to lower my monthly payments or enter the debt management program again denied, however, an associate offered that if I paid {$200.00} of the {$520.00} he would put my balance on a forbearance and that would bring my account current through XX/XX/XXXX and nothing will be reported to my credit written in email However, on XX/XX/XXXX, I received an email from Cherry collections stating my contract is 18 days past due in the amount of {$320.00} and that this late account is in the process of being reported to the credit bureaus which may affect my credit score. I have emailed asking them why they are not honoring the agreement and they refuse to reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: NE

Complaint narrative:
A credit card and savings account were tried to be opened using my name, address, email, phone number, and social security number.

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 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I currently have another complaint about the same issue different card with the credit card company this is a debt collector ill leave my statement from the other complaint so you know everything just incase. my cousin got me in multiple ways. RE : To the Consumer Financial Protection Bureau, I am writing in desperation for assistance regarding ongoing harassment and financial distress caused by XXXX XXXX XXXX. I need urgent help to clear my name and credit report from fraudulent activity that is not my responsibility. While I did apply for a credit card and pay the program fee, shortly after, I was required to travel out of town. During my absence, my cousin, who has a history of defrauding me, gained unauthorized access to my phone, email, mailbox, and personal accounts. She stole my card, activated it, and made numerous charges. I want to be unequivocally clear : none of these charges are mine, nor did I receive any benefit from them. Despite my repeated attempts to explain this situation to XXXX XXXX XXXX and multiple credit bureaus, I am being held liable. They cite the paid program fee and matching address as proof of my responsibility, failing to acknowledge the identity theft. My cousin deliberately used my address and made it appear as though I made these charges to conceal her own actions, as she is now in a long-term treatment facility. I am not financially responsible for her actions and beg for your intervention to remove this fraudulent activity from my credit file and absolve me of this debt. Thank you for your time and consideration.

Company response to consumer: Closed with explanation