vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 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: FL

Complaint narrative:
I am filing this complaint regarding an attempt to collect a debt that has not been properly validated. I disputed this account and requested full validation, including documentation supporting the debt, proof of ownership or assignment, and a complete account history. The account in question is : Portfolio Recovery Associates Account # XXXX approximately {$1900.00} This dispute was submitted in early XXXX 2026. Despite my request, the company did not provide any documentation or evidence to validate the debt. No contract, account records, or proof of ownership has been provided. However, the company continues to attempt to collect this debt and report it to credit reporting agencies. Without proper validation, this debt can not be confirmed as accurate or attributable to me. Continuing to collect or report a debt without providing validation raises serious concerns about compliance with the Fair Debt Collection Practices Act ( FDCPA ). I made a good faith effort to resolve this matter directly by requesting validation. The company failed to provide the requested information but continues collection activity. This is causing harm to my credit and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Loan Amount Decrease They took XXXX points Down Impact Negatively on the report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am filing this complaint regarding an attempt to collect a debt that has not been properly validated. I disputed this account and requested full validation, including documentation supporting the debt, proof of ownership or assignment, and a complete account history. The account in question is : XXXX XXXX XXXX Account # XXXX approximately {$4100.00} This dispute was submitted in early XX/XX/year>. Despite my request, the company did not provide any documentation or evidence to validate the debt. No contract, account records, or proof of ownership has been provided. However, the company continues to attempt to collect this debt and report it to credit reporting agencies. Without proper validation, this debt can not be confirmed as accurate or attributable to me. Continuing to collect or report a debt without providing validation raises serious concerns about compliance with the Fair Debt Collection Practices Act ( FDCPA ). I made a good faith effort to resolve this matter directly by requesting validation. The company failed to provide the requested information but continues collection activity. This is causing harm to my credit and financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Huntington Debt Holding LLC
State: CO

Complaint narrative:
I am filing a complaint regarding improper debt collection practices by Huntington Debt Holdings related to an alleged XXXX XXXX account. On XX/XX/year>, I sent a written dispute and request for validation via certified mail ( Tracking # : XXXX ). Huntington Debt Holdings received my dispute. Since that time : Huntington has failed to provide proper validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Instead of providing documentation, they instructed me to contact the original creditor ( XXXX XXXX ), which is not my responsibility. They provided only a general account statement and contract, but failed to provide documentation showing assignment of this specific account to Huntington Debt Holdings. They have not provided documentation showing that the alleged debt is legally enforceable. I explicitly requested that all communication be by XXXX mail only. Despite this request, they continue to communicate with me by email. The documentation provided does not establish that this debt belongs to me or that Huntington Debt Holdings has the legal right to collect it. This constitutes an attempt to collect a debt that has not been properly validated and continued communication after I requested communication restrictions.

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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: AK

Complaint narrative:
I am filing a complaint against Citibank for failing to honor a targeted promotional offer for XXXX AAdvantage bonus miles associated with the Citi XXXX AAdvantage XXXX XXXX XXXX XXXX Mastercard. In XX/XX/year>, I received a targeted promotional offer promising XXXX AAdvantage bonus miles after spending {$3500.00} within the first 4 months of account opening. I opened the card based on this specific offer and fully satisfied the spending requirement. The promised XXXX bonus miles have not been credited. Before submitting this complaint, I made multiple attempts to resolve the issue directly with Citibank. This included at least four phone calls to customer service and a detailed written complaint sent on XX/XX/year>. Citibank responded on XX/XX/year>, stating the matter was under review. A second response dated XX/XX/year> again stated that the issue was still under review. Despite these repeated contacts, Citibank has provided no resolution, no explanation, and no timeline for when the bonus miles would be credited. This delay is unreasonable and constitutes a failure to honor the clearly disclosed promotional terms. I request that Citibank immediately honor the promotional offer and credit the full XXXX AAdvantage bonus miles. If Citibank believes I do not qualify, I request a detailed written explanation identifying the specific terms or conditions they rely on.

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: Trouble during payment process — Payment process
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Statement of Material Facts : Systemic Fraud and Willful Obstruction of Disaster Recovery This complaint documents a catastrophic sequence of servicer-induced defaults and fraudulent accounting by XXXX XXXX and Dovenmuehle Mortgage Inc. ( DMI ). This is not a case of borrower non-performance, but a targeted campaign of administrative attrition designed to strip equity and obstruct recovery for a FEMA-verified uninhabitable property. The foundation of this crisis is a documented administrative oversight admitted by the bank, where they failed to correctly code my account for disaster hardship. This error was weaponized to block my access to the XXXX XXXX XXXX disaster relief plan. By intentionally withholding this referral for over twelve months, the servicer has moved the file beyond the standard eligibility window, effectively " timing out '' my ability to secure a new disaster mortgage note. Financial fraud is evidenced by the manufacturing of approximately {$120000.00} in unauthorized debt. This was achieved through the predatory misapplication of a {$3300.00} payment on XX/XX/XXXX, which was diverted to cover the banks own accounting errors. This manufactured insolvency was then used to falsify XXXX records reporting inflated interest, and to trigger foreclosure activity through XXXX XXXX XXXX XXXX XXXX. The harm caused by this attrition is total. The banks inaccurate reporting led directly to the XXXX disaster loan denial and my subsequent termination from XXXX due to the loss of a habitable residence. Furthermore, the bank is currently obstructing access to a XXXX XXXX tax refund by failing to sign the Form DR-462 sent by the Tax Collector on XX/XX/XXXX. Recent attempts to engage the XXXX XXXX hotline resulted in a representative claiming I was " evading '' the bank. This is a false narrative created by the servicer to hide the fact that I am rejecting a fraudulent Trial Period Plan that incorporates the manufactured debt. I am not in default ; I am a victim of willful misconduct and a total breach of RESPA and UDAAP standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
I am the XXXX of the property at XXXX XXXX XXXX, XXXX XXXX, Louisiana XXXX, secured by a confirmed FHA-insured mortgage loan ( Loan No. XXXX ) serviced by Carrington Mortgage Services , LLC ( " Carrington '' ). My delinquency was caused by XXXX income loss a federally declared national emergency. My hardship has since fully resolved and I have household income. I am filing this complaint because Carrington has violated the CARES Act ( 15 U.S.C. 9056 ), RESPA ( 12 U.S.C. 2601 et seq. ), Regulation X ( 12 C.F.R. Part 1024 ), HUD mandatory FHA loss mitigation regulations ( 24 C.F.R. Part 203 ), HUD Mortgagee Letters XXXX and XXXX, and the Dodd-Frank Act ( 12 U.S.C. 5531 ) by advancing an illegal foreclosure without completing XXXX and FHA loss mitigation procedures, without sending a written denial, and without providing appeal rights. A foreclosure sale is scheduled for XXXX XXXX, 2026. This complaint is URGENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding an attempt to collect a debt that has not been properly validated. I disputed this account and requested full validation, including documentation supporting the debt, proof of ownership or assignment, and a complete account history. The account in question is : LVNV Funding LLC Account # XXXX approximately {$4100.00} This dispute was submitted in early XX/XX/2026. Despite my request, the company did not provide any documentation or evidence to validate the debt. No contract, account records, or proof of ownership has been provided. However, the company continues to attempt to collect this debt and report it to credit reporting agencies. Without proper validation, this debt can not be confirmed as accurate or attributable to me. Continuing to collect or report a debt without providing validation raises serious concerns about compliance with the Fair Debt Collection Practices Act ( FDCPA ). I made a good faith effort to resolve this matter directly by requesting validation. The company failed to provide the requested information but continues collection activity. This is causing harm to my credit and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDispute2025 $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: NY

Complaint narrative:
Contact From email none stop even through request it to stop

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: Other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
It's XX/XX/year> I said a transaction of {$1200.00} to someone on Cash app understanding the person I had previously sent money to was at this very same place. Within minutes, literally within XXXX minutes when I realized I had sent it to the wrong person I contacted Cash App to ask them to refund the money back and they said that they would not be able to refund me my money. This was several days later, even though I filed it almost immediately when I realized I had not sent it to the correct person. There is not a live person available to speak to me about this transaction at all. Everything was done through text messages or message and I had to wait for them to return my call so by that time someone had already taken the money and refused to refund it.

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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I found a collection account on my credit report from LVNV Funding LLC c/o Resurgent Capital Services XXXX XXXX, for {$3200.00} that I do not recognize. I have sent XXXX written requests for validation since 2025. The company continues to report the account and send statements that are not mine, but has not provided proper validation. I have never had an account with this creditor and believe this may be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Hello XXXX, Thank you for reaching out to Affirm! My name is XXXX and I hope you are doing well. Thank you for replying back and providing the loan details. I'll be glad to provide you more information regarding the refunds. Upon reviewing your account, I see you had a loan with XXXX ( Loan ID : XXXX ) for the amount of {$2900.00} processed onXXXX. I see that the merchant has used {$400.00} as cancellation penalty for 2 tickets and processed a refund for {$2500.00} that has been adjusted to the loan timeline on XX/XX/year>. So you would be responsible for only the used amount ( {$400.00} ) + interest ( {$15.00} ) = {$410.00}. I see that you have made two payments on this loan i.e. {$2300.00} onXXXX and for {$110.00} on XX/XX/year>. So the total payment made on this loan was {$2400.00}. There was two refund that was processed. The first one was for {$94.00} refunded to bank account ending with XXXX and the second one was for {$1900.00} which was processed to the XXXX ending with XXXX. The interest for the used amount was {$15.00}. So it would be the amount you paid - refund amount i.e. {$2400.00} - {$94.00} - {$1900.00} = {$410.00}. ( The final claims that Affirm is making against me. ) Thank you for the detailed explanation, but you are overlooking a crucial point. I fully repaid the entire balance of the loan, yet Affirm has failed to refund the full amount I repaid. The evidence of this remains in my bank account, and it will serve as my most critical proof. The total amount in question is {$560.00}, which Affirm debited from my account on XX/XX/year>. Affirm has omitted this significant fact, effectively withholding the funds due back to me for several months. As you explained, since I repaid the loan in fullrather than making only a partial paymentI am entitled to a refund of the total amount of {$560.00} from Affirm ; however, I have still not received these funds back from the company. Please investigate this matter thoroughly and provide me with an explanation regarding this issue as soon as possible. ( This is the final answer I gave them. ) They have refused to resolve this matter, even to the very end. I engaged in continuous dialogue with themand even attempted to mediate through the XXXXbut they evaded the issue by citing various excuses. Today, they contacted me and delivered their final response, as outlined above. I will fight to the bitter end to recover the money I have lost. Please help me ; please fight on my behalf to reclaim the funds I have yet to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: FL

Complaint narrative:
I received a reply from XXXX Bank and they said their actions were error free. I can not debate this because wires before and after were successful. XXXX Bank recall actions on my behalf have been unsuccessful. They stated further that recovery of funds is not guaranteed from the beneficiary bank and that regulation XXXX does not provide protections for transactions disputes pertaining to transactions I authorize being disputed for non receipt of goods or services. I understand what XXXX Bank is saying, however, my problem is not with the beneficiary bank. The beneficiary banks have been cooperative on all XXXX recalls. However, the intermediary bank used by XXXX Bank is XXXX. As a XXXX Bank customer, I have no relationship with XXXX. However, reportedly, they are the obstacle to the return of funds to my XXXX Bank account. XXXX recall has been pending for over 12 months. XXXX Bank investigations repeatedly state they can't take actions without guidance from the intermediary bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
I am submitting this complaint regarding the reporting and collection practices associated with the above-referenced account. At this time, multiple entities, including XXXX Bank, XXXX XXXX, and FMA Alliance, are reporting and/or attempting to collect on the same alleged debt. This raises significant concerns regarding the accuracy, consistency, and completeness of the information being furnished, as well as whether proper procedures have been followed in connection with this account. I have previously disputed this account and requested validation ; however, sufficient documentation has not been provided to verify the validity of the debt, the accuracy of the reported balance, or the lawful authority of FMA Alliance to collect. Additionally, I have concerns regarding the handling of my personal information, as information related to this alleged debt appears to have been disclosed to a third party without proper authorization. Given the presence of multiple furnishers and the lack of supporting documentation, there is concern that the information being reported may not meet the standards for accuracy and completeness required under applicable consumer protection laws and reporting guidelines. I respectfully request that this matter be reviewed and that the company be required to provide documentation supporting the validity of the account, the chain of ownership, and the accuracy of the reported balance. If the account can not be properly verified, I request that appropriate corrective action be taken, including correction or removal of the tradeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir or Madam, I am submitting this complaint regarding fraudulent charges on my Macys American Express credit card account ending in XXXX. Unauthorized transactions totaling approximately {$6000.00} were made on my account. I reported these charges to American Express, which conducted a full investigation and determined that the charges were fraudulent. American Express issued a formal release letter confirming that I am not responsible for this balance. At the time the fraudulent transactions occurred, I was out of the country, traveling from XX/XX/XXXX through XX/XX/XXXX, and therefore could not have authorized these transactions.

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