vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am writing to request an immediate review of all charges and transactions on my account ( XXXX ) beginning XX/XX/year> to the present. 

I was diagnosed with XXXX XXXX XXXX XXXX earlier in 2024. In XX/XX/year>, I suffered my first XXXX XXXX, which resulted in hospitalization and severe medical incapacitation. Since that time, my condition has progressed to XXXX XXXX XXXX, and I am currently undergoing XXXX while dealing with additional brain tumors. I have no next of kin, as my parents and sibling are deceased. 

During this period, I was not physically or cognitively able to monitor my accounts or authorize financial activity. I have since discovered multiple unauthorized transactions, identity theft, and misuse of my personal information, including new phones and accounts opened without my knowledge or consent. 

I want to be clear that I did not authorize or benefit from any of these transactions. These funds are essential for my medical care. Communicating has been extremely difficult due to my condition, including pain and difficulty speaking. 

I respectfully request : A full review of all charges from XX/XX/year> onward Reversal or credit of all unauthorized transactions Written confirmation of the outcome Thank you for your understanding and compassion during this extremely difficult time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD Bank refunded three overdraft fees on XX/XX/year>. The following day XX/XX/year> I was charged another overdraft fee and told I was ineligible for any further refund. I am requesting a review and reversal of this fee due to the immediate recurrence and lack of resolution options.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Recovery Management
State: KS

Complaint narrative:
I was made aware that I could return the trailer that I rented with them and not get charged any further. I was under the impression that this would no longer affect me as I returned the equipment to the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I went into XXXX  to purchase a XXXX. I was not aware of a 12 month payment plan with a credit card and third party vendor. The interest rate is at XXXX percent i believe and i was told in person when it finalized it is not over XXXX percent. I may have the paperwork but regardless the deal was finalized before i received the paperwork on the ring and they lied to me about the interest rate. I also requested information on my account so i can log in to check everything about the card and have yet to receive that. I was hung up on XXXX times when trying to resolve this issue with the third party lender and talk about the interest rate and being XXXX XXXX XXXX and how the XXXX works and lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
LVNV Funding LLC is reporting a collection account for {$610.00}, allegedly originating from XXXX XXXX XXXX XXXX XXXX opened on or about XX/XX/year>. I dispute the accuracy and validity of this account. 

I previously disputed this account due to inaccurate and unverified information. Despite receiving notice of the dispute, LVNV Funding LLC has continued reporting the account without conducting a reasonable investigation as required by the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ).

The account continues to be reported as a collection with a balance of {$610.00}, with repeated collection notations across multiple months, even though the information remains disputed. LVNV Funding LLC has failed to provide proper verification, including documentation establishing ownership of the debt or accuracy of the balance. 

Additionally, LVNV Funding LLC has continued furnishing this information to credit reporting agencies without correcting or deleting the account, causing ongoing harm. Reporting disputed information without completing a reasonable investigation violates federal law.

I am requesting that LVNV Funding LLC be required to either provide full verification of the debt or delete the account entirely from my credit reports. I am also requesting confirmation that all inaccurate reporting ceases immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I closed my Citi credit card account in XXXXXX/XX/XXXXXXXX or XXXX I believe ) but it still carried an active balance of approximately {$21000.00}. Around XX/XX/year>, I noticed I could no longer access the account online, even though the balance remained. I previously opted out of paper statements, so after online access was removed, I could no longer view statements, balances, or due dates. 

I repeatedly requested that Citi restore my online access so I could manage and pay the account. I explained that I work remotely and move frequently, making regular paper mail unreliable. Despite these requests, Citi has not reinstated online access. The only way to make payments is by calling customer service. I am actively trying to pay my balance, but I can not review account information or billing statements.

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 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am escalating my complaint regarding Synchrony Banks repeated denial of my fraud claim related to unauthorized transactions on my Sams Club World Elite Mastercard.

Synchrony Bank has denied my claim on the basis that I responded to a text message authorization and physically surrendered my card. This determination fails to consider that both actions occurred under false pretenses as part of a sophisticated social engineering scam in which the fraudster impersonated Sams Club fraud services. 
At no point did I knowingly authorize XXXX XXXX purchases or intend to approve any transaction. I believed I was communicating with my card issuers fraud department and taking steps to secure my account. Any confirmation response was obtained through deception and therefore does not constitute valid authorization under the Fair Credit Billing Act.

Similarly, the physical surrender of my card occurred only because I was falsely informed that : The card was compromised It needed to be returned for investigation The pickup was part of an official Sams Club/Amazon delivery process I did not voluntarily provide my card for use, nor did I receive or benefit from any goods or services. The card was obtained through impersonation and fraud. 

The following transactions on XX/XX/year> are fraudulent and were not authorized by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} These transactions are entirely inconsistent with my established account behavior over more than 10 years : I have never reached my credit limit I rarely spend over {$1000.00} per month I do not have a history of XXXX XXXX purchases The charges include multiple high-dollar XXXX  transactions and same-day transactions across different states I reported the fraud promptly upon discovery. Synchronys denial appears to improperly shift liability to the consumer for actions taken while being actively deceived, contrary to CFPB guidance on unauthorized use and social engineering fraud.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint against Portfolio Recovery Associates , LLC, a nationally known debt-buying and collection company that has been the subject of multiple regulatory actions and consumer lawsuits for inaccurate reporting and improper collection practices. Portfolio Recovery purchases charged-off debts in bulk and frequently reports accounts without sufficient documentation to prove ownership, accuracy, or consumer liability. 
In my case, Portfolio Recovery is reporting the same alleged debt twice under two different account numbers PORTFOLIO CAPIT XXXX and PORTFOLIO RC XXXX both in the amount of {$430.00}. This constitutes duplicate reporting and inflates my perceived debt obligations, which is materially misleading to lenders and violates XXXX XXXX accuracy standards as well as the Fair Credit Reporting Act. 
I have repeatedly requested full validation and verification of this alleged debt. Portfolio Recovery has failed to provide legally sufficient proof of the obligation. Under the FDCPA, proper validation requires more than a balance statement it requires competent evidence such as : The original signed contract or application A complete itemized billing history Proof of assignment and chain of title from the original creditor to Portfolio Recovery Documentation establishing my legal responsibility for the account None of this has been provided. 
Additionally, Portfolio Recovery continues to furnish this account to the credit bureaus while it is in active dispute, and while failing to validate the debt, which violates : FCRA 611 failure to conduct a reasonable reinvestigation FCRA 607 ( b ) failure to maintain maximum possible accuracy FCRA 623 ( a ) furnishing inaccurate and misleading information FDCPA 809 failure to provide proper debt validation XXXX XXXX Guidelines duplicate tradeline reporting and improper dispute coding I also never received a lawful written notice of this debt within five days of initial collection activity as required under the FDCPA. Portfolio Recovery has therefore deprived me of my statutory rights to dispute and validate the account before negative reporting. 
Despite all of this, Portfolio Recovery continues to damage my credit profile with unverified, duplicate, and inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: FL

Complaint narrative:
I was originally informed of this debt sale until after it was sold by XXXX. This debt was originally sold to plaza services according to XXXX email. Now Im receiving an email from this company that I know nothing of. This violates the below regulations.

FDCPA 15 U.S.C. 1692e ( False or Misleading Representations ) Any attempt to collect a debt without providing proof of ownership, or misrepresenting your authority to collect, constitutes a violation of federal law.

FDCPA 15 U.S.C. 1692f ( Unfair or Unconscionable Practices ) Attempting to collect a debt without proper notice, documentation, or lawful authority is considered an unfair practice.

FCRA 15 U.S.C. 1681s-2 ( Accuracy of Information Furnished ) If you have reported or intend to report this account to any consumer reporting agency, you must ensure the information is accurate, complete, and verifiable. Reporting unverifiable or disputed information is a violation of federal law.

Failure of Notice of Assignment I received no notice from the original creditor regarding the transfer or sale of this account, which is required under applicable state contract law and consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
Please refer to my original claim : XXXX. 
Unfortunately, Wells Fargo denied my claim for whatever reason I am still not clear.

This was a clear case of predatory locksmith fraud and I believe Wells Fargo should have protected me. I was on the phone disputing the charge within two hours of the locksmith completing the job.

Please help me help others by exposing this crime and Wells Fargo as an accomplice.

We are senior citizens on a fixed income and don't deserve to be scammed. Please advise if we should take this to court. 

Sincerely, XXXX 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 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
JP Morgan Chase Bank accepted fraudulent deposits without my knowledge, after they were informed that it was fraudulent and after returning the deposit 4 times before accepting it!! I called and informed them that I did NOT deposit that certain check and the face of the check has a TYPED WRITTEN DATE but the rest is hand written. I had also, at the same time, there was a deposited check for the same amount that was GOOD but Chase sent the good deposit back and kept the fraudulent one. Chase at NO TIME contacted me but went back in my account approximately 4 months and RETURNED a deposit that had cleared both banks to make sure I was over drawn.

Chase is acting in fraudulent activies to insure I stay overdrawn and to make more money for themselves. If you subpena my bank records you will see where Chase went back and returned a CLEARED deposit and returned to the original depositor WITHOUT explanation. I did got get notice of that older deposit being returned or a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE 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 2026-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am disputing the following accounts with Experian for inaccuracies in the reporting of charged-off accounts, inquiries, and late payments. Please investigate and correct these discrepancies.

Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: NV

Complaint narrative:
For approximately two months, Remitly has stated that a total of {$1400.00} was refunded to me for three money transfer transactions sent to the same vendor. However, I have only received {$110.00}, and Remitly has not provided documentation showing that the remaining funds were refunded.

The three transactions were sent to the same vendor for the purchase of goods. The vendor failed to deliver the products and later advised that a refund was approved. Remitly is aware that all three transactions were sent to the same vendor and that the vendor did not fulfill the order.

The transactions were : {$700.00} ( Reference XXXX ) {$590.00} ( Reference XXXX ) {$110.00} ( Reference XXXX ) Total : {$1400.00} Remitly has stated that because I filed a dispute with my bank, my account was closed and that the full {$1400.00} was refunded. Remitly has also stated that my account now shows a negative balance for the full {$1400.00} and that I must pay this amount to reinstate my account. These statements are inconsistent with the funds actually received.

Despite multiple contacts, Remitly has not provided refund confirmations, reversal records, or trace numbers. My bank has confirmed there is no record of receiving the alleged refunds. Remitly continues to state that the funds were refunded while no documentation or remaining funds have been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank placed extended hold on XXXX income and is closing my account, leaving me without funds for basic survival am XXXX individual who relies entirely on monthly private XXXX insurance payments as my sole source of income. My bank has placed a hold of my deposit of {$12000.00} on my account on XXXX and informed me that they will not release my funds for approximately two months, and they are closing my account .These funds are NOT excess savings or discretionary income. They are XXXX payments used immediately for mortgage, food, utilities, medical expenses and full time caretaker. I have no other income, no savings and no alternative access to funds. because of my XXXX, I am fully dependent on these payments to survive. 
The bank has not provided a lawful, specific, or time -certain explanation for why my XXXX payment are being held for such an extended period or why my account is being closed while retaining my funds. Two months hold on XXXX income is unreasonable, excessive and dangerous especially when the bank simultaneously terminating the account. 
This action places at immediate risk of my housing, medical care, food and personal assistance. Without access to my XXXX payment, i face serious physical harm and potential death, due to my medical condition and inability to care for myself. 
I believe the bank 's actions may violate : 1. Unfair, deceptive or abusive acts.

2.Funds availability requirements and reasonable access to deposited funds 3. Basic consumer protection related to account closure and withholding of customer fund without timely release I am requesting immediate release of my funds. 

This is an urgent matter involved in basic survival, I am asking CFPB to require the bank to release my funds immediately or provide lawful justification and emergency accommodation due to my XXXX. 
Sincerely XXXX 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 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
Debt was reported and on my credit report now which lowered my credit score. This debt is wrong, it was a duo program that was funded by the state for all of my highschool. I do not agree with this debt and it was covered by state funding so there should have never been billed individually.

Company response to consumer: Closed with explanation