vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 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: GA

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I am filing this complaint regarding my mortgage with Bank of America and the current foreclosure of my primary residence in Hawaii. Bank of America has stated that they will no longer accept any mortgage transactions involving me, citing alleged discrepancies related to my Social Security number, prior documentation, and other findings. I strongly dispute these conclusions and believe that my loan file has not been fairly or accurately evaluated. I am requesting a full and formal review of my account, including : A detailed explanation of the findings referenced Copies of any documents relied upon in making this determination An opportunity to correct or clarify any discrepancies I am also requesting that all foreclosure activity be paused while this matter is under review, as I am actively seeking to resolve this in good faith. This is my primary residence, and I am committed to working toward a resolution. I believe I am being unfairly denied access to loss mitigation options without a proper and transparent review process. Thank you for your attention to this urgent matter

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 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
They are contacting me about a account that I never opened with them. Never sign a contract with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.

Complaint narrative:
I am submitting this complaint against Credit Collection Service regarding the continued reporting of a paid collection account on my credit reports. The account details are as follows : Creditor : Credit Collection Service Account Number : XXXX This account has been paid in full ; however, it continues to be reported as a collection account on my credit reports. This reporting is inaccurate and misleading, as it does not reflect the current status of the account. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting information must be accurate and not misleading. Additionally, under 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. The continued reporting of this account as a collection, despite being paid, is a violation of these requirements. I have made attempts to resolve this matter directly with Credit Collection Service but have not received a satisfactory resolution. Under 15 U.S.C. 1681i, I am requesting a proper investigation into this matter and the removal of this account from all credit reporting agencies, including XXXX, XXXX, and XXXX. I respectfully request that the Consumer Financial Protection Bureau assist in ensuring that Credit Collection Service complies with federal law and removes this paid account from my credit reports. I am seeking the following resolution : Immediate deletion of the account from all credit reporting agencies Written confirmation of the deletion Thank you for your attention to this matter. I look forward to your assistance in resolving this issue. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: VA

Complaint narrative:
Last year XXXX, I entered into XXXX XXXX for a XXXX disturbance. After the visit, I was billed an amount of roughly {$5000.00} through their portal ( XXXX XXXX ) for the cost accrued from my visit. I paid the amount off from the months of XX/XX/XXXX- XX/XX/XXXX and my account on their portal has been cleared since. I have been receiving text messages from a " debt collector '' stating I still have an outstanding balance of over {$900.00} from that visit. It was stated that the amount was for " going into the emergency room '' which I never did. I wish to have this resolved as I know I am being harassed for a matter that I did not do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 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: CA

Complaint narrative:
Subject : Credit Card Billing Error Travel Package Denied by Bank, Funds Released, XXXX XXXX XXXX XXXX : Citibank Case no. XXXX Product : Credit Card Issue Type : Billing error / Refund not received Complaint Narrative : On XX/XX/year>, I purchased a travel package through XXXX that included airfare, hotel, and a rental car. Citibank denied confirmation of the transaction ; however, despite denying the purchase, Citibank still released the funds to XXXX. Because the bank did not allow the package purchase to properly complete, XXXX refunded the hotel and rental car portions of the package. The airline portion of the package was issued by XXXX XXXX. XXXX XXXX received the airfare funds and has refused to return them, even though the package purchase was not successfully completed due to the banks denial. As a result, I was left without valid airline tickets and without a refund for the airfare. At a later point, a refund for the airfare was issued and briefly appeared on my Citibank account, but the credit was subsequently removed without explanation. The refund has never been permanently restored. I have filed two formal disputes with Citibank regarding this matter. Both disputes were denied, and I was not provided with a clear or valid explanation as to why the disputes were lost, despite the fact that the banks initial denial of the transaction caused the failure of the package purchase. This situation exists solely because Citibank denied the purchase while still transmitting funds to the merchant, creating a partial and invalid transaction. I am requesting that Citibank : Permanently apply the airline refund to my account, and Provide a clear written explanation for why the posted refund was removed and why both disputes were denied. I have also escalated this matter to XXXX XXXX office and filed a complaint with the Office of the Comptroller of the Currency ( OCC ), but the issue remains unresolved. I am requesting CFPB assistance to ensure this billing error is properly investigated and corrected. 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 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have made multiple formal demands for debt validation, including a notarized request sent via Certified Mail with return receipt. The respondent received these requests, and I have proof of delivery. In those notices, I specifically required competent validation, including the original signed contract, full chain of title/assignment, complete account statements, an itemized balance, and proof of legal authority to collect. The respondent has willfully refused to provide any of the requested documentation. Instead, they issued a generic, conclusory affidavit containing unsupported assertions, without any underlying records. This does not constitute validation and fails to substantiate the alleged debt. Further, the original agreement contains a binding arbitration clause governing disputes. The respondent has disregarded and overridden that clause, choosing to pursue collection and legal action without first validating the debt or honoring the agreed method of dispute resolution. Despite repeated good-faith efforts on my part, supported by documented and confirmed delivery of my requests, the respondent continues collection activity without validation. Their actions demonstrate a pattern of noncompliance, disregard for the dispute process, and reliance on unsubstantiated claims rather than competent evidence. The respondent has referenced an affidavit but has refused to provide me a copy directly, instead only filing it with the court. I request that any such document be provided to me, as it has not been made available for my review or dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: TX

Complaint narrative:
You did not tell me WHAT Ive done, I sent money to pay for medication that day and pay a friend a partial payment for my car rental, next thing I know my account goes in to deactivated status. WHAT have I violated. You are not telling me WHAT I specifically done to violate you just said I violated something. Tell me what I have violated. What did I do? You have not done that thats a lawsuit against you in itself. Ive been on this Cashapp account since XX/XX/year> and they just closed and deactivated my account and stated : Cash App Logo Hi XXXX, We reviewed your account and found activity that violates our Terms of Service. As a result, your Cash App account will remain deactivated and you will no longer be able to use your account or its features. If you have an investing account and have questions, visit our Cash App Help Center or contact Support directly through your app. To withdraw any remaining funds : Tap the Banking tab on your Cash App home screen Tap Withdraw Select an amount Confirm with your PIN or Touch ID ( if enabled ) Your remaining funds will be available within 13 business days. If you decide to transfer your funds instantly, they should arrive momentarily. If you hold bitcoin in your account and wish to sell it, follow the steps here in Selling Bitcoin. To close a pool : From the money tab, scroll down and tap Pools Tap the Pool youd like to close Tap Close pool Confirm that any existing pool amount will be transferred to your cash balance, then tap Close pool For more help, visit our Cash App Help Center or contact Support directly through your app. If you hold stocks in your Cash App Investing account and wish to sell or transfer them, visit our Help Center for information on Selling Stock and Transferring Shares. Selling shares may have tax implications. If you have questions about your particular tax situation you should consult a tax advisor. Cash App Investing does not provide investment advice or recommendations. Investing involves risk and you may lose money. Brokerage services provided by XXXX XXXX XXXXXXXX XXXX, member XXXX. Cash App Investing does not provide investment advice or recommendations. Investing involves risk and you may lose money. Review the Disclosure Library for more on the risks involved with investing. Privacy Policy XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am requesting a copy of the 1099-C form for this account, as it was charged off. Despite multiple requests for this document, I have never received one. This situation is fraudulent on the part of Capital One ; the account was charged off and written off and they are still trying to collect on this and damage my credit. According to -15. U.S. Code 1681g charge ones the account is charged off it cant be collected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
debt has already been paid in full. contacted the collection agency that it shows the debt being assigned to, however they are saying that they do not even have the debt in their system. Please work to remove this swiftly.

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 2026-04-16 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: AL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: FL

Complaint narrative:
Issue : Incorrect credit reporting due to dealership payoff error I am filing a complaint regarding inaccurate credit reporting by Community Bank, N.A. I had an auto loan with Community Bank, N.A. that was in good standing. I sold the vehicle to a dealership, and as part of that transaction, the dealership agreed to pay off the loan in full. However, the dealership failed to submit the correct payoff amount, which resulted in a remaining balance that I was not made aware of at the time. Because of this error, a 30-day late payment was reported on my credit file. This has caused a significant drop in my credit score ( approximately XXXX points ), despite my otherwise excellent payment history. This late payment does not accurately reflect my payment behavior. The delinquency was caused by a third-party payoff error during the sale of the vehiclenot by a failure or unwillingness on my part to pay my obligations. I contacted Community Bank, N.A. to explain the situation, but they declined to make any correction, stating that the loan was in my name. While I understand the loan was legally my responsibility, the credit reporting in this case is misleading and does not fairly represent the circumstances. I am requesting : A full investigation into the accuracy of the reported late payment Removal of the 30-day late payment from my credit report as a goodwill adjustment due to third-party payoff error Confirmation that my account history will be corrected across all credit bureaus I can provide documentation including the bill of sale and dealership payoff agreement if needed. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Transaction date : XXXX XXXX Merchant name : XXXX XXXX Disputed amount : {$8300.00} Disput case number : XXXX My apple credit card was used by someone I dont recognize it and they requesting more documents provide for my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I am submitting a complaint regarding Goldman Sachs handling of my Apple Card dispute involving defective merchandise purchased from XXXX XXXX. On or about XX/XX/year>, I purchased a XXXX XXXX XXXX pufffer jacket ( sage green ) for {$1200.00}. After approximately three weeks of normal wear, the jacket developed visible stains from light exposure to water ( rain/snow ). This type of product is intended to be worn in such conditions, and the staining makes the jacket unsuitable for normal use as outerwear. I contacted XXXX XXXX to resolve the issue. I was instructed to dry-clean the jacket before attempting a return. However, XXXX XXXX stated return policy requires items to be unworn, unwashed, and with original tags attached. These instructions directly contradict each other and made it effectively impossible for me to return the defective item. I then filed a dispute with my Apple Card issuer, Goldman Sachs, on the basis of defective merchandise. The dispute was denied or not properly handled, without adequately addressing the product defect or the merchants contradictory return requirements. Additionally, I found multiple reports from other customers describing the same issue with this specific jacket XXXX and fabric, where staining occurs from normal exposure to water. Some customers were able to return the same item when purchased through third-party luxury retailers, while XXXX XXXX denied my return under its own policy. This inconsistency further supports that the issue is with the product itself rather than misuse. I believe Goldman Sachs failed to conduct a reasonable investigation into my dispute and did not properly consider the evidence of defective merchandise and the merchants conflicting instructions. I am requesting that Goldman Sachs reopen and fairly reinvestigate my dispute under defective merchandise, taking into account all supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Harris & Harris, Ltd.
State: FL

Complaint narrative:
The collector failed to provide the mandatory 1681s-2 ( a ) ( 7 ) notice. Furthermore, they verified " the debt without the Original Signed Contract or Itemized Billing Statement demanded in my dispute so I am writing to formally dispute a collection account currently reported by Harris & Harris XXXX under Account # XXXXXXXX XXXX XXXX XXXX XXXX Upon reviewing my credit report on XX/XX/year>, I discovered this account, which I do not recognize and have never received any prior communication about. This collector is in direct violation of 15 U.S.C. 1692g, for failing to provide a mandatory dunning notice within five days of their initial reporting. Their failure to notify me has caused catastrophic personal and financial damages, including being the only one in my mentorship program to get denied for the $ XXXX startup loan. In the XXXX XXXX, under the standard set in XXXX v. XXXX XXXX XXXX, a collector must provide account-level documentation to verify a debt once it is disputed ; a mere computer printout is insufficient. Furthermore, per 15 U.S.C. 1692g ( b ), the collector is legally required to cease all collection activity ( including credit reporting ) until they provide legal verification. By continuing to report this unverified debt while I am in an active dispute, they are engaging in illegal debt parking.

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 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase ruled dispute in favor of dentist despite providing explanation of benefits they owe me XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year>, a balance transfer of {$6000.00} was initiated from my Citibank credit card and posted to my XXXX XXXX XXXX credit card account. XXXX XXXX XXXX received and applied the {$6000.00} to my account on that date, which I can confirm through my account statement. However, Citibank has not reduced my balance by {$6000.00} to reflect the outgoing transfer. I am currently being held responsible for {$6000.00} on my Citibank account that has already been sent to XXXX XXXX XXXX. I waited over 30 days for the transfer to post to my Citibank account. When it did not, I made multiple phone calls to both Citibank and XXXX XXXX XXXX. XXXX XXXX XXXX opened a case, investigated, and confirmed the transfer was received. They sent me a letter stating they would attempt to resolve the matter with Citibank but that the process could take up to 90 days and that recovery of the funds could not be guaranteed. On XX/XX/year>, I sent Citibank a formal written dispute via certified mail invoking my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). I have also filed a complaint with the Office of the Comptroller of the Currency. As of today, the {$6000.00} discrepancy remains unresolved. I have clear documentation that the funds were transferred and received by XXXX XXXX XXXX, yet Citibank continues to charge me for the full amount.

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