vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 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: CITIBANK, N.A.
State: TN

Complaint narrative:
This dispute is the result of fraudulent charges against my CitiBank credit card. These charges originated in XXXX. The charges seem to come from the XXXX, TX area, and are mostly to a telecommunications company. There are also some charges to XXXX XXXX ( restaurant ) in the {$80.00} range. I have talked with the fraud department numerous times since XX/XX/XXXX, in order to dispute the charges on this card. Dates of interaction with Citibank include : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On all or most of these interactions, I asked that the account be closed, but it was not. Charges continued to appear on the Citibank account. When I first reported the fraud in XXXX XXXX, Citibank sent a new card. The fraudulent charges continued even after the publication of the new card. During my last conversation with the fraud department, the representative said he was sending a paper copy of the statement for me to officially dispute. I told him I was already disputing all of the charges, but he insisted on sending the paper copy. No paper copy ever came, and I decided not to pursue this, as I have wasted many hours trying to talk to them. I have never used this card/account. I also have a card on this account for my daughter, XXXX XXXX and one for my brother, XXXX XXXX. Both of those cards are with me and have never been used. I am XXXX XXXX XXXX, physically infirm, and unable to travel.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: IL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Business Processing Solutions, LLC
State: TX

Complaint narrative:
received a letter stating I owe {$160.00} for a debt, I have not idea what this is for. My reference number is XXXX.

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 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am filing a complaint against Synchrony Bank regarding a closed account that is currently being reported on my credit file. This account was closed by the creditor due to returned payments. However, I was never provided any adverse action notice informing me of this decision. I did not receive any communication outlining the reason for closure, the date of the decision, or my rights under federal law. Under the Equal Credit Opportunity Act, creditors are required to provide proper notice when taking adverse action. Despite this failure to comply, Synchrony Bank continues to report this account on my credit file.

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 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Media Collections, Inc
State: VA

Complaint narrative:
Issue : XXXX XXXX XXXX sent a returnedcheck debt to collections even though I made an immediate goodfaith attempt to pay, and the company refused to accept my replacement payment. I received notice in the mail from the Media Collections , Inc., DBA XXXX XXXX XXXX XXXX XXXX What happened : A check to XXXX XXXX was returned due to fraudulent activity on my checking account. My checking account was closed immediately by my bank due to the fraudulent activity. I contacted the company right away to resolve the issue and offered to provide a replacement check. Their representative refused to accept payment. Despite refusing my attempt to cure the debt, the company sent the account to a collection agency. A company can not refuse payment and then send the consumer to collections. This is an unfair practice and resulted in an improper collection placement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: TX

Complaint narrative:
Mrs Bpo LLc keeps calling me about someone else 's debt. its not my debt. i have asked them to stop calling me and they have called me 4 times since i have asked them to stop ... they will not stop calling me.. Key Information About MRS BPO, LLCContact Number : ( XXXX ) XXXXIndustries Served : Banks, credit cards, student loans, healthcare, utilities , and telecom.Collection Method : They collect on behalf of original creditors or purchase debt, potentially affecting your credit score. THEY ARE HARASSING ME

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing a complaint against Wells Fargo regarding an unauthorized electronic fund transfer totaling {$2800.00}. A XXXX account was created in my name without my authorization. During this time, my XXXX account was compromised and my password was changed without my knowledge. While my email was compromised, a transfer of {$2800.00} was completed using my debit card information. A second attempted transfer of {$2500.00} was flagged and blocked due to suspected fraud. I did not create the XXXX account, did not authorize any transactions, and have no connection to the recipient. XXXX confirmed verbally that the funds were sent to XXXX. I reported the fraud immediately upon discovery. Wells Fargo denied my claim stating that my card was in my possession and that the transaction was conducted using a device associated with my account. These factors do not establish authorization under the Electronic Fund Transfer Act and Regulation E. The use of my credentials following an account compromise does not constitute authorization. I requested documentation from Wells Fargo, including authentication method, one-time passcode usage, device information, IP address, and any verification data relied upon. Wells Fargo did not provide this information. I am requesting : * Reimbursement of the {$2800.00} unauthorized transfer * A proper investigation that considers the confirmed email compromise and fraud indicators * Documentation of the evidence used to determine that this transaction was authorized

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 2026-05-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: TX

Complaint narrative:
I made a mobile deposit through my huntington account and the account was frozen and i was told alot of different things. I was told the check would be available monday XX/XX/XXXX and that is when the hold will be released from the XX/XX/XXXX deposit. Once going to the bank i was told to bring proof of the check and why it was issued. As i brought proof i was told to get another letter stating the check belonged to myself which ive did so as well and also offered the accounting phone number for the issuer and provided statements and proof that the issuing bank has cleared the deposit. I was told that i need another letter stating this was my check and that it would be up to the bank if they issued my funds or not. Im currently homeless with children and bills behind this is a major issue which is causing me stress this is the only money i have which is behing held for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC
State: LA

Complaint narrative:
I previously requested validation of this alleged debt, but the company failed to provide any supporting documentation. In their response to my complaint, they admitted that they are still requesting an itemized bill, which confirms that they do not currently have the necessary records to verify the debt. Despite this, the company has attempted to collect an amount that has not been verified and may be inaccurate. This is misleading and constitutes a false representation of the debt. Reporting or attempting to collect a debt without proper documentation is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, this reflects an incomplete and unreasonable investigation under the Fair Credit Reporting Act ( FCRA ), as no account should be reported or pursued without proper verification. Placing the account in a disputed status does not resolve the issue. The company has not provided any evidence of a signed agreement, full payment history, or proof of ownership of the debt.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-05 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: OK

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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My vehicle was considered a total loss, and I had an attorney bc i was not at fault and for personal Injury i recieved a letter for the amount being paid from my loss XXXX XXXX with a date of XX/XX/year> i made an outbound call XXXX XXXX to make adjustments to my payments and continue to make my regular payments. I was approved to continue to make regular payments in XXXX, early XXXX XX/XX/year>. I received a settlement for my injury, so I initiated a XXXX XXXX dollar payment, which would have covered me until XX/XX/year>. I called XXXX on XX/XX/XXXX to ask for a copy of a pink slip to be sent to the XXXX and they told me my account has been transferred to a 3rd party debt collector. Never did I receive a courtesy call or a notification that after making this sump payment, my contract no longer would be valid or there would be a change to the contract made after settlement

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RSI Enterprises, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against RSI Enterprises for inaccurate credit reporting and failure to respond to a dispute. RSI Enterprises is reporting a collection account of about {$570.00} related to XXXX XXXX XXXX. However, in response to my validation request, they provided documentation from the original creditor showing a {$0.00} balance owed. Despite this, they continue to report a {$570.00} balance to the credit bureaus. On XX/XX/year>, I sent a formal dispute letter addressing this discrepancy and requesting correction or deletion. This letter was delivered, and I have received no response. Reporting a balance that contradicts their own documentation is inaccurate and misleading. This inaccurate reporting violates the Fair Credit Reporting Act, which requires information to be accurate and verifiable. I am requesting deletion of this account from all credit reporting agencies and written confirmation of the correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Complaint Against PayPal XXXX Deposit Issue XXXX XXXX on XXXX ) I am filing a complaint regarding a cryptocurrency transaction involving PayPal that resulted in funds being effectively withheld without a recovery option. On XX/XX/year> I mistakenly sent approximately {$600.00} in USD Coin ( XXXX ) on the XXXX network to a cryptocurrency deposit address provided by PayPal for XXXX ( XXXX ). The transaction was successfully completed and confirmed on the blockchain. The transaction hash is : XXXX Although PayPal does not support XXXX deposits, the funds were verifiably delivered to a wallet address controlled by PayPal. This means the assets are currently in XXXX possession, even if they are not reflected in my account balance. I contacted PayPal customer support multiple times and provided full transaction details. I was informed that : * The transaction does not appear in their system * The asset is unsupported * The funds can not be returned or recovered However, blockchain records clearly show the funds were successfully delivered to the XXXX address. Since PayPal maintains control over this wallet, it is technically possible for them to access the associated token account and return or recover the funds. I am not requesting automatic crediting of unsupported assets. I am requesting a reasonable effort by PayPal to : XXXX. Acknowledge receipt of the funds on-chain XXXX. Escalate the matter to their crypto technical team XXXX. Attempt a manual recovery or return of the funds to the originating wallet At this time, PayPal has declined to take any such action, effectively leaving my funds inaccessible despite being in their custody. I am requesting that the CFPB review this matter and require PayPal to provide a more thorough investigation and response, including whether manual recovery is possible and why such recovery can not be performed. Thank you for your time and assistance. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Central Portfolio Control Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of 2026, Central Portfolio Control, a debt collector, identified themselves as a debt collector to a third-party, my elderly mother, XXXX XXXX XXXX On these XXXX dates, this third-party debt collector improperly and in violation of the FDCPA and Texas law XXXX the following : " Central Portfolio Control, a debt collector. Hi XXXX, for possible discount or payment options on your account, please visit us online at XXXX using AGENCY ID : XXXX. '' Notably, this third-party debt collector has not attempted to contact me directly in any form of communication. Contacting a third party in this manner is a direct violation of state and federal law and is inflicting distress upon an elderly woman. It is also inflicting emotional distress, embarrassment, and mental anguish on both me and my elderly mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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:
I am submitting this complaint regarding XXXX handling of my credit card billing dispute for an XXXX XXXX transaction posted on XX/XX/year>, in the amount of {$45.00}. I disputed this charge because the food I received in that order was contaminated with what appeared to be a hair, which made the item unsafe and not reasonably consumable. I documented the issue with photographs immediately after receiving the order. I also contacted XXXX XXXX the very same day, on XX/XX/year>, to report the contamination and seek a resolution. However, XXXX XXXX did not respond to my complaint until more than 48 hours later. When they finally responded, they denied my request by saying that more than 48 hours had passed. That reasoning was unfair and inaccurate because I did not wait more than 48 hours to report the issue. I reported it on the same day I received the order. Any delay beyond that was caused by XXXX XXXX response time, not by any delay on my part. Because XXXX XXXX refused to resolve the matter, I then disputed the charge through XXXX. In support of my dispute, I provided evidence showing the contamination, including photographs, along with proof that I had already attempted to resolve the issue directly with XXXX XXXX on the date of the transaction. On XX/XX/year>, I received notice that XXXX determined the charge was valid and would not issue a refund. I then contacted XXXX again to explain that this was not simply a dissatisfaction complaint or a request for a courtesy refund. This was a dispute involving contaminated food that was not reasonably fit for consumption. I also explained that referring me back to the merchant was not a real solution because I had already contacted XXXX XXXX promptly and they had already denied my complaint based on a delay that was their own. My concern is that XXXX did not fairly evaluate the facts of this dispute. I made a timely good-faith effort to report the problem on XX/XX/year>, the very first day the transaction was posted on my account as they don't allow disputes for pending transactions. The product I received was defective and contaminated. XXXX XXXX then denied the claim based on the passage of time even though the delay came from their own late response. Despite this, XXXX upheld the charge and did not provide meaningful dispute protection. I am requesting a review of Discovers handling of this billing dispute, including whether the evidence I submitted was properly considered, whether the dispute was categorized correctly, and whether it was reasonable to rely on XXXX XXXX 48-hour explanation when I had in fact reported the problem on the same day. I am seeking reconsideration of the disputed charge in the amount of {$45.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am a victim of identity theft and filed an Identity Theft Report with the Federal Trade Commission in XX/XX/XXXX ( FTC Report No. XXXX ). The accounts at issue include an XXXX XXXX XXXX Bank credit card and a XXXX XXXX Bank credit card, both of which were identified as fraudulent and included in that report. After submitting my FTC report to the credit bureaus, XXXX, XXXX, and XXXX blocked these accounts from my credit file pursuant to federal law. Despite this, the original creditor later sold the accounts to third parties in or around XX/XX/XXXX. LVNV Funding LLC currently holds the XXXX XXXX XXXX Bank account, which is now in active litigation in XXXX XXXX for approximately {$1000.00}. LVNV Funding is working in conjunction with Resurgent Capital Services to collect on this account. Resurgent Capital Services is also attempting to collect on the XXXX XXXX Bank account, which remains in collections for approximately {$2200.00}. I contacted Resurgent and informed them that these accounts are the result of identity theft and provided notice of my FTC report. Their representative stated that they purchased the accounts based on information provided by the original creditor and did not address the identity theft claim. LVNV Funding LLC and Resurgent Capital Services continue to pursue collection activity and litigation despite having notice that these accounts were reported as identity theft and blocked from my credit reports. I am disputing these accounts as fraudulent and not mine. I am requesting that all collection activity cease immediately and that the account in litigation be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report. I previously sent a formal debt validation request to the collection agency in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ). In response, the agency provided only a copy of a prior account statement and a generic debt sale letter. However, this does not constitute proper validation of the debt. The documentation provided fails to include sufficient evidence that I am legally obligated to pay this debt, including but not limited to : A signed contract or agreement bearing my signature Full chain of title proving ownership of the debt Detailed accounting showing how the amount was calculated Proof that the collector has the legal authority to collect in my state Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable. The collection agency has failed to provide adequate verification, yet continues to report this account on my credit file. This raises serious concerns regarding the accuracy and legality of the reporting. I am requesting the following : 1. Immediate investigation of this account 2. Verification of the documentation provided by the collection agency 3. Removal of the account from my credit report if proper validation can not be provided I also request that this matter be documented as a dispute with the credit bureaus. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief