vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I was unaware of any remaining final balance with XXXX XXXX and did not receive effective notice prior to collection placement. Upon learning of the balance, I immediately paid it directly. XX/XX/year> was paid in full. Confirmation # XXXX I was told I had an email sent with a balance but can not find any proof of that email being sent to me, nor did they send me a letter or call me. I had absolutely no idea I had this balance or else I couldve just paid it. This {$56.00} utility collection for XXXX XXXX is now severely impacting my mortgage qualification despite immediate resolution. I am requesting a goodwill deletion or recall of the collection tradeline due to the lack of notice and immediate payment once discovered.

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 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
Im having charges on my bank account from Cash App but they are not on my Cash App

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: LoanCare, LLC
State: NY

Complaint narrative:
Notice and Demand for Validation and Proof of Claim sent via Certified Mails dated XX/XX/year>. Thirty days already passed and No response from the Debt Collector. However, instead of Validation of the alleged Debt I now received Certified mails with an attached NOTICE OF DEFAULT dated XX/XX/year>. Alleging Default for 186 days in the amount of {$16000.00}. Without showing what account is in default and how the default took place. This debt collector has no valid debt and are now in default. I need them to cease and desist from further contact/action against me and provide the release of Lien from my property.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

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 explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am filing this complaint against XXXX FUNDING regarding an inaccurate/unverified collection account # XXXXXXXX XXXX XXXX XXXX XXXX originally from XXXX XXXX XXXX XXXX, which appears on my credit reports. Despite my written dispute and validation request, the collector has failed to provide adequate validation and/or continues to report the inaccurate information. This violates : FDCPA ( 15 U.S.C. 1692g and others ) : Failure to validate and cease collection. FCRA ( 15 U.S.C. 1681s-2 ) : Furnisher responsibilities for accuracy and investigation of disputes. CFPA : Unfair/deceptive practices. Requested Resolution : Immediate deletion of this account from all three major credit bureaus, written confirmation, and cessation of all collection activity. I also request investigation into any pattern of violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates for severe violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding illegal duplicate reporting and account re-aging. Portfolio Recovery Associates is actively reporting a collection account ( Account ending in XXXX ) for an original XXXX XXXX debt of {$740.00}, claiming a " Date Opened '' of XX/XX/year>. However, another debt buyer, XXXX XXXX XXXX, is simultaneously reporting a collection for the exact same original XXXX XXXX debt ( Account ending in XXXX ). It is legally impossible for two separate junk debt buyers to own, collect on, and report the exact same debt at the same time. Additionally, Portfolio Recovery is illegally re-aging this debt by using a XXXX " Date Opened '' to mask the true Date of First Delinquency from years ago, artificially extending the legal XXXX reporting window. Because this is an inaccurate, duplicate, and re-aged trade line, I request that Portfolio Recovery immediately delete this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
b"I sent MCM a certified mail debt validation request approximately one year ago (USPS Certified Mail Article #XXXX XXXX XXXX XXXX XXXX), which they received and signed for. For one full year I received no response whatsoever. Then on XXXX XXXX XXXX I received their only response a Citibank billing statement accompanied by a Pre-Legal Notification dated XXXX threatening litigation. A billing statement does not constitute proper validation under FDCPA 15 U.S.C. 1692g, as it does not prove chain of ownership or legal authority to collect. Following my debt validation request, XXXX notified me that my credit score was negatively impacted due to MCM's reporting. I disputed with XXXX on XXXX but the account was not removed. The original creditor is XXXX XXXX,with a claimed balance of $XXXX. I request investigation of MCM's FDCPA violations including their one-year failure to respond to my validation request, continued collection activity without proper validation, and the negative impact to my credit score, and removal of this account from my credit report."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Dear CFPB, I am writing to express my dissatisfaction and anger with the handling of a Citibank 's new customer coupon of {$750.00} bonus that was promised to me when I open checking and saving account together on XX/XX/XXXX. Unfortunately, the bank has declined the coupon for now. 1. On XX/XX/XXXX, I opened a checking and saving account together through bank 's link and enrolled in the reward. 2. The request was deposits on checking and savings together above {$30000.00} before XX/XX/XXXX, I finished this request on XX/XX/XXXX, and after XX/XX/XXXX the bank said I was qualified for the rewards. But now, the bank said my account doesn't qualify the minimum balance. I tried to solve the bonus coupon 's problem, but representatives on call can not solve this problem, they also confused about the terms. Due to misunderstanding on Citibank 's fault operation, I am now missing out {$750.00} bonus. I am not the only customer who has experienced this issue, it is unfair that customer like me, who follow the requirements in good faith, Direct deposit to Checking and deposit {$30000.00} to saving, are penalized due to Citibank 's problem. I strong urger Citibank to address this issue promptly and ensure that the promised bonus is credited to my account. I appreciate your attention to this matter and look forward to a swift resolution.

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 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-05-19 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: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
b'I am submitting this complaint because Resurgent Capital Services, LVNV Funding LLC and XXXX XXXX XXXX have repeatedly failed to provide proper validation of an alleged XXXX XXXX XXXX credit card debt, and the major credit bureaus (XXXX, XXXX, XXXX) continue to report this debt and respond to my disputes with only generic "verification," not meaningful documentation.\n\nOn many occasions, I sent a detailed written dispute and validation request via certified mail tracking number(s) to Resurgent Capital Services regarding an account claimed to have been acquired from XXXX XXXX XXXX (account #XXXX XXXX XXXX XXXX / reference #XXXX, reported by LVNV Funding LLC). In my letter, I specifically requested:\n\n- Detailed contractual proof of my liability, including the original application and the signed agreement.\n- Proof of actual consideration (that the original creditor advanced real funds or value at the inception of the alleged credit card account).\n- A signed affidavit from an authorized officer affirming the facts and legal basis for the debt.\n- Full chain of assignment, purchase, or transfer documents.\n- Details regarding any insurance or securitization of the debt.\n- CPA/auditor contact for further verification.\n- Any other evidence verifying that Resurgent/LVNV has the right to collect.\n\nDespite my specific and repeated requests, Resurgent Capital Services and LVNV Funding LLC only responded with generic account summaries and copies of periodic card statements. They did NOT provide any of the required, detailed documents or certified statements I requested to validate the debt under the Fair Debt Collection Practices Act (FDCPA). Their responses ignored my questions regarding whether actual value was advanced, the chain of title, and their legal right to collect.\n\nFurthermore, I have formally disputed this account with the credit reporting agencies (XXXX, XXXX, XXXX). Each bureau has responded by simply confirming the debt is verified, but have not supplied any supporting documentation, and continue to report the trade line to my credit file. They state that Resurgent/LVNV provided verification, but upon my request for method of verification, I received general, boilerplate responses, not actual evidence.\n\nThis debt remains disputed, unvalidated, and unresolved. Resurgent/LVNV continues collection activity and negative credit reportingeven though neither they nor the credit bureaus have provided any material or legally sufficient documentation in response to my good-faith and timely written disputes.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit Collection Services is attempting to collect a debt for {$310.00}! Which I have no knowledge of or did I make any agreement to pay! I demand this be removed from my reporting immediately! Account # XXXX pin # 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 2026-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I am a XXXX PayPal customer reporting an ongoing failure to resolve a verified fraud event under Regulation E. On XX/XX/year>, my account suffered a Remote Access Hijack. The criminal initiated an unauthorized {$900.00} cash withdrawal request to m y XXXX XXXX Bank and also an unauthorized {$130.00} BTC withdrawal, which creating a {$170.00} negative balance due to bank reversals. This happened at XXXX while I was asleep. I called Paypal Customer service number and reported it at around XXXX when I noticed the fraudulent transactions. My bank, XXXX XXXX, investigated this exact session and officially ruled it as FRAUD ( Claim # : XXXX ), returning a {$900.00} ACH pull, and permanently closing my credit card due to an unapproved {$1500.00} purchase using another platform ( XXXX ) and shipped to a fraudulent address in XXXX, AZ. ( I've included the Letter from XXXX XXXX on this here ) PayPal 's automated systems repeatedly denied my claim based on " consistent IP, '' ignoring that a remote desktop hijack shares the user 's IP. Furthermore, I have never initiated a crypto transfer ; I am a passive holder in Paypal of BTC and ETH from a XXXX bankruptcy settlement. This almost full withdrawal of BTC is a clear behavioral anomaly. I also have video proof that PayPal 's app threw technical errors when I tried to report the fraud instantly at XXXX XXXX on XX/XX/XXXX, when I noticed the unauthorized transactions. On XX/XX/XXXX, Agent XXXX confirmed my case is under internal manual review ( Case XXXX ) . However, PayPal refuses to pause automated collection actions and continues to demand payment for a balance caused by verified identity theft. I asked Paypal multiple times on the phone and I was told by XXXX that the collections were on hold, but my request was ignored as I kept getting emails and even calls. I even asked in their chat but at the end they stopped responding, I included Screenshots of the chat where I requested the hold on collections ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Markoff Law LLC
State: IL

Complaint narrative:
Primary Issue : Improper debt collection practices Complaint Description : For nearly ten ( 10 ) years, XXXX XXXX XXXX XXXX, either directly or through its agent Markoff Law LLC, has attempted to collect an alleged debt from me without providing the required written validation notice or documentation as mandated by the Fair Debt Collection Practices Act. Despite repeated requests, I have never received written account statements, a payoff amount, or documentation showing how the alleged debt was calculated or how my payments were applied, which is required for transparency and fairness under federal law and the XXXX XXXX Rule. At the direction of the collector, I made recurring payments of approximately {$200.00}, yet no payment history or accounting was ever provided, which is necessary for verifying the accuracy and legitimacy of the balance claimed under federal law and the XXXX XXXX Rule. I have repeatedly requested validation of the debt, including proof of the original obligation and an itemized breakdown of principal, interest, and fees. These requests were ignored, and collection attempts continued in violation of federal requirements to cease collection until verification is provided. More recently, I received hostile, aggressive, and intimidating communications from a representative identifying himself as XXXX. The tone and manner of these communications appeared intended to pressure or intimidate me, which is prohibited by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692d. Legal Concerns : The conduct described above appears to violate the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : failure to provide proper debt validation after request, continued collection activity without verification, failure to provide accurate account information, and the use of harassing or abusive communication tactics. Given the extended length of time involved, the absence of documentation, and the nature of the communications, this matter raises concerns of predatory or potentially fraudulent debt collection practices. Harm Experienced : This situation has caused significant emotional stress, confusion, and financial uncertainty. After nearly a decade, I remain unable to determine what the alleged balance represents, how my payments were applied, or whether the debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DigniFi
State: FL

Complaint narrative:
Im trying to pay off the credit card for XXXX. Ive called them on XX/XX/XXXX and XX/XX/XXXX. The only answer I get is that they are not able to take payments at this time due to a new computer system. They cant even tell me a date that Ill be able to pay them. They do not know.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
This loan was not taken out by me. I'm not sure if this is a new debt collector, but they have removed this debt about three times already and then they keep putting it back. I did speak to someone in the past and asked for proof, but never received anything. That's why they removed it. Now it's with National Recovery Agency. They also changed the date to a more recent date and that is illegal. I want to be rid of this negative mark on my credit for once and for all. The amount is {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: IL

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 2026-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
I recieived an email from a leasing company Acima notifying me of a loan approval that I did not apply for. In the email it said to show ID at merchant. Someone used my identity and bank information in another state to obtain items from a XXXX XXXX using Acima to provide a loan. I did not make this purchase and there is no way an ID was used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-19 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained efficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of documents and a request letter to support my claim.

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 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation