vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Request debt validation XXXX twice directly from property. Requested itemized bill from apartment repairs on XXXX of XXXX sent following letter This letter is sent in response to your claim that I owe a debt related to an apartment or rental account. This is not a refusal to pay, but a request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide proper verification of this debt, including but not limited to : The amount of the alleged debt, including an itemized breakdown of charges, fees, and interest. 

The name of the original creditor. 

A copy of any lease agreement or contract bearing my signature that creates a legal obligation to pay the alleged debt. 

Documentation showing you are legally authorized to collect this debt. 

Proof that the debt has not been waived, discharged, or otherwise satisfied.

The dates of tenancy and the date the debt was allegedly incurred. 

Until such validation is provided, you must cease all collection activity, including reporting or continuing to report this account to any consumer reporting agency. If this debt has already been reported to a credit bureau, please note that failure to validate constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). 
Any attempt to continue collection activity without proper validation will be documented and may result in formal complaints to the Consumer Financial Protection Bureau, the Federal Trade Commission, and the State Attorney Generals Office. 

All future communication regarding this matter must be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: FL

Complaint narrative:
I am filing a complaint against PayPal for improperly denying my XXXX XXXX claim despite clear evidence that merchandise was not received and that the merchant failed to issue a refund to the original payment method. 

On XX/XX/XXXX, I used PayPal ( Pay in XXXX ) to purchase merchandise from XXXX XXXX ( Transaction ID : XXXX ) totaling {$240.00}. I received my shipment, but XXXX items were missing. I reported the missing items immediately and provided PayPal with documentation, including the merchants written acknowledgment of the missing items. 

The missing items were : Bored Of You Ribbed Pant Set XXXX XXXX Margot Stretch Trouser Jeans Medium Wash Size XXXX Pleasure Seeker Soft Stretch Flare Jeans Dark Wash Size XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX acknowledged the missing items and offered me a full refund, store credit, or reshipment. I selected a full refund to my original PayPal payment method. However, my response was never received due to XXXX XXXX email server blocking my replies, which I documented and submitted to PayPal. 

Instead of issuing a proper refund, XXXX XXXX refunded only the gift card portion of the transaction and attempted to reduce the refund to {$7.00} by treating missing merchandise as a return. The total value of the missing items is {$84.00}, which has never been refunded to my PayPal account. 

Despite this documentation, PayPal denied my dispute on XX/XX/XXXX, stating the transaction was processed correctly, without addressing the missing merchandise, refund misdirection to a gift card, or merchant communication failure. 

I am requesting that PayPal reopen and properly review my XXXX XXXX claim and issue a refund of {$84.00} to my original PayPal payment method.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: LA

Complaint narrative:
I created an account with Current to have my XXXX distribution from principal financial of {$28000.00} deposited to it was deposited on XX/XX/XXXX on XX/XX/XXXX. I received a email from the fraud department or from current support stating that they needed to verify my account and they needed a picture of my ID a selfie of me holding the ID and documentation of where the money came from. I sent that stuff in the same day. They said XXXX to XXXX business days from the time that they receive that information I have not heard anything back from them. I have since contacted them multiple times maybe up to XXXX times and every time even on a new day, they say XXXX to XXXX business days I have gotten no response from them at all. This is creating a financial hardship for me and I need access to my funds. XXXX getting nowhere with them. I still have not heard anything from them. I could talk to supervisors. I have talked to all kind of different people there and XXXX not getting any action taken on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
I have an amount of {$1000.00} that was charged off. I called Avant on Monday, XX/XX/26, to set up a payment plan towards my balance and was severely pressured into giving up my bank information, which I did not feel comfortable doing, nor understood why they needed it. They continued to pressure me until I briefly hung up the phone. I called again today, XX/XX/26, and was transferred again to a robot who tried to pressure me into giving up my information. I tried giving the last XXXX digits of my social, my phone number, my mailing address, etc., and they were not able to give me a straightforward answer if they could set up a payment plan. I was unable to set up a payment plan or resolve my balance due to feeling extremely uncomfortable and that a security breach was trying to occur. I have never felt this unsettled about my security safety, but Avant is hiring and using robots to pressure individuals to give up their banking information. I would like this resolved as soon as possible so I my social security number is not compromised any further. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc
State: TX

Complaint narrative:
I took out an undesecured loan with possible in the amount of {$300.00} on XX/XX/year>. The payments were due each time I got paid in the amount of {$93.00}. Possible gives you the option to change your pay times which I took advantage of, I changed my pay times and still paid by the agreed time. They sent me an email confirming these changes and I have the payment schedule that showed that I paid by the agreed schedule. I have tried and tried to contact possible but I was on hold for an hour just listening to music, no one ever answered the phone. They say you can reach them by chat but nothing happens when I hit the button. I have sent them XXXX emails and have gotten an auto response saying someone will contact me. This mistake dropped my credit score by XXXX points and now has a negative payment history remark on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc.
State: TX

Complaint narrative:
I am filing this complaint against AWA Collections, which is reporting a {$450.00} collection account ( Acct. # XXXX ) on my credit reports. I have never received any written notice, validation letter, or initial communication from AWA Collections as required by federal law. I became aware of this alleged debt only after it appeared on my credit report. Despite disputing this account and requesting validation, AWA Collections has failed to provide any documentation showing that this debt is legitimate, that the amount is accurate, or that it has legal authority to collect or report this account. No contract, billing statements, itemized accounting, chain of title, or proof of consumer obligation has ever been provided. Continued credit reporting of this account without validation constitutes ongoing non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Date : XX/XX/year> Via Certified Mail and/or Electronic Submission Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX : Cease and Desist FDCPA Communication Demand Dear Portfolio Recovery Associates , LLC, This letter constitutes a formal cease and desist notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

You are hereby directed to immediately cease all communication with me regarding any alleged debt or account you claim is associated with my name. This includes, but is not limited to, phone calls, voicemails, emails, mailed correspondence, and contact with any third parties.

You may only contact me in writing to confirm one of the following : 1. That you will comply with this request, or 2. That you intend to pursue a specific legal remedy as permitted by law.

Any communication beyond what is allowed under the FDCPA will be documented and may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state regulatory agencies, as well as any other legal remedies available. 

This notice is sent in good faith with the expectation of immediate compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Tilt Finance, Inc.
State: CA

Complaint narrative:
Tilt ( formerly Empower ) is in partnership with XXXX XXXX. I have been a member for 6 years. On XX/XX/year>, my Tilt XXXX XXXX was cancelled without warning. Upon calling, I was informed that they prematurely cancelled and reissued a new debit card to my old mailing address, rendering me unable to access my account funds. No debit card was ever mailed. I was given a digital debit card after calling at least 10 times, to which they sent me a false debit card with no API attached ( unusable, unable to add to XXXX XXXX ). I have tried to do ACH transfer of my funds, an error occurs each time. I have no access to my money and have tried all available options. I have called, in total, no less than 45 times and spoken to various representatives from XX/XX/year>XXXX  through to today ; the issue is still unresolved. XXXX XXXX, I have spoken to them at least 5 times ( no resolution ). Tilt/XXXX XXXX is holding my funds and I am about to be evicted, my car is about to be repossessed, I cant even buy FOOD due to this issue. It is detrimental that my funds be transferred to my other bank account IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I was expecting a {$500.00} XXXX payment from my XXXX  XXXX checking account to be deposited into my Bank of America checking account.

Bank of America has confirmed that the XXXX transfer failed and that the funds were never received or credited to my account. XXXX XXXX, the sending bank, shows the transaction as delivered, but the funds never appeared in my Bank of America account. Bank of America also confirmed that the receiving account was not officially active at the time of the transfer, so the funds were never accepted into their system. 

As a result, the {$500.00} is missing it is not in my Bank of America account and remains unaccounted for. 

Bank of America initially could not resolve the issue, stating that no funds were received, and I was left with missing money and no resolution. 

I am requesting that Bank of America complete a full XXXX network investigation / funds trace and either accept the funds, coordinate with XXXX XXXX to return them to my sending account, or otherwise resolve the missing {$500.00}. 

This transaction did not successfully complete end-to-end, and I should not be held responsible for funds that were never received by my Bank of America account 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 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 explanation
Consumer complaint received 2026-01-07 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: LA

Complaint narrative:
I took out loan with a company around the end of XX/XX/year>, could not maintain payments. Afterwards loan went to collections and updates every year with no new notifications to me and no payments were made since the loan defaulted. I have this problem with 2 accounts in my collections. I have been making payments when I can to the smallest accounts in spite of the inaccurate dating of the collections. This is not right an unlawful. Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Self Financial Inc.
State: TX

Complaint narrative:
Company : Self Financial , Inc.

I opened a credit builder account with Self Financial , Inc. and made payments as agreed. When I requested my tried accessing my account, Self restricted my account and is now holding my funds under a value " security review. '' Self refuses to disclose what triggered the review, has not alleged fraud, and has not claimed that I violated any terms. Despite this, they state they may hold my funds for up to XXXX  days before releasing money that belongs to me. 

I believe this delay is unreasonable and lacks transparency. I am requesting the immediate release of my funds. there is no dispute, no chargeback, and no fraud claim that would justify the XXXX hold. I am asking the CFPB to require Self Financial to release my funds promptly and provide a clear explanation for the account restriction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit collection services couldnt provide original documents because the original creditor is XXXX XXXX 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 2026-01-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : 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 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 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 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 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I am a survivor of XXXX  XXXX protected under N.C. Gen. Stat. 42-45.1. Following an incident at my residence ( MAA 900 Waterford ) where my abuser was arrested for 'Assault on a Female ' and 'Damage to Property ' ( broken door ), I was forced to flee for my physical safety. I have provided National Credit Systems with over XXXX official records from the XXXX XXXX Police Department and the Clerk of Courts confirming the assault, the property damage, and the resulting protection order ( expunged ). The police XXXX at the time of the incident even took pictures of my bleeding arm, to this day I am scarred. 

Despite this proof, National Credit Systems and XXXX XXXX are attempting to collect {$7000.00} in coerced debt for a lease termination that is legally void under NC law. Furthermore, XXXX management failed in their duty to inform me of the documentation required for a 'Protected Tenant ' exit at the time of the incident, effectively setting me up for financial failure. The debt is invalid, the security deposit of {$1500.00} was wrongfully withheld, and the reporting of this debt is a violation of the Fair Credit Reporting Act ( FCRA ) as it is coerced and unverifiable. I demand an immediate removal of this debt from my credit report and a full investigation into these predatory collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
b'THey sent me a pdf of my insurance company XXXX XXXX that I had an oustanding debt of XXXX. I called the number provided in the text message XXXX XXXX XXXX. They kept requesting my info in order to get more infor from them. They even have my address.\nThe company name says XXXX'

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received what I believed to be spam/ phishing emails from XXXX XXXX XXXX on XX/XX/XXXX congratulating me for signing up for a credit card and communication from their customer service. Since I've never heard of this company nor signed up for any such card, I disregarded the emails and chose not to click any links to not fall for phishing. After a few days I decided to call the company and see what was going on and they didn't provide any information and informed me they'd close the account. This was NOT done as I checked my credit report on XX/XX/XXXX and noticed my score dropped significantly due to a late payment on the card I NEVER signed up for. Either this company fraudulently made this account and refused to close it, or someone used my information to commit fraud and the company disregarded my case to close the account.

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 2026-01-07 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: CO

Complaint narrative:
I am disputing XXXX unauthorized debit card transactions. These were the amounts : {$240.00}, {$150.00}, {$160.00}. They occurred at a grocery store in Florida. At the time of these transactions, I was physically in Colorado and did not authorize or make these purchases. I reported the fraud promptly to Wells Fargo, and my debit card was XXXX ; a claim was subsequently opened. The claim was later closed without reimbursement, with Wells Fargo stating that the transactions were made using my digital wallet and device. This determination is incorrect. I did not use my digital wallet in Florida, and no one else had access to my device. I called Wells Fargo, but the man who answered told me there was nothing they could do about this. I went into a Wells Fargo branch that same day but Wells Fargo did not provide evidence demonstrating that I authorized the transactions or that my device was present at the location of the purchases, however, they did escalate the claim on their end. A woman ( XXXX XXXX reached out with my case, I was unable to answer and she left a callback number which I have been calling but have been unsuccessful in reaching her. I am requesting a reversal of the unauthorized charges in accordance with Regulation E.

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