vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-03-24 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: HI

Complaint narrative:
Most recent letter to Goldman Sachs resulted in another identical boilerplate denial providing no detail or any of the information Id requested. Goldman Sachs Bank, XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX Dear Apple Card Support. Re : XXXX Im frustrated with the lack of progress on this refund claim. Ive talked to Apple Card Support many times and each time it seems Im starting over. Each time I start with your automated menu system before I get to an agent, then if I get through to an agent I explain the claim again. The last agent agreed to provide documentation showing that the services were provided or that I had canceled services in a way not in accordance with terms and conditions. Yesterday I received some documentation from you, but it didnt provide the requested documentation. It did not show that I received the services, or that I had canceled the services. The screenshots you provided and the attached emails I received from XXXX confirm that I paid {$200.00} for XXXX night ( in XX/XX/XXXX out XX/XX/XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX. When I tried to check in on XX/XX/XXXX, I was told that my reservation had been cancelled and the {$200.00} was returned to XXXX. I emailed XXXX, got an acknowledgement that they received my email but never a response to the cancelled hotel reservation. Receipt # XXXX proves I paid XXXX {$200.00}. Nothing provided shows I changed, cancelled or failed to show up. XXXX confirms I paid them {$200.00}. I would like documentation showing how much and when XXXX paid XXXX. I would like documentation showing why, when and how much money XXXX sent back to XXXX. I did not cancel my reservation, and was not notified of the cancellation until I tried to check in. I would like documentation showing who cancelled the reservation. At this point Im out {$200.00}. Does XXXX have that {$200.00} plus the money XXXX returned to them. Or, did XXXX not return any money to them? Sincerely, XXXX XXXX I emailed XXXX. XXXX XXXX XXXX promised they would get back to me. But, they never did.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
I have emailed Ginnys and sent them at least letters requesting debt validation from them as well. Ginnys replied to an email that I sent them on XX/XX/XXXX stating that the debt they say I owe had been referred to XXXX XXXX. I then sent XXXX XXXX a validation letter on XX/XX/XXXX and as of today, XX/XX/XXXX, I have not received any validation, or documentation from Ginnys or XXXX XXXX. However, while my requests are being ignored, Ginnys continues to be reported negatively on XXXX XXXX & XXXX credit reports, which is a violation of my rights in active effort to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am disputing inaccurate information on my Experian credit report. The report incorrectly lists accounts, balances, or payment history that do not belong to me or are reported incorrectly. I have contacted the creditors and Experian to correct the errors, but the inaccuracies remain unresolved. I am submitting this complaint to request that Experian investigate and correct the information as required by law XXXX XXXX XXXX Account # XXXX {$3200.00} XXXX XXXX Account # XXXX {$2300.00}

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 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX we purchased an RV in XXXX XXXX. We did a wire tranfer of {$50000.00} from our bank USAA to sellers bank XXXX. ( We had taken a picture of the title and the seller held his thumb over important information when I took the picture to compare the VIN number. When we went to get it titled we saw under his thumb in the picture it said rebuildable title which we were told by the DMV that we could not drive this vehicle on the road with that title and the seller was not legally permitted to sell the RV until he titled as a rebuilt title. We ask the seller for our money back via text. They refused. We called our bank USAA and did a transfer recall on XX/XX/XXXX. We were advised it could take up to XXXX days which we accepted as our only choice. We returned the RV and title back to seller with a police escort on XXXX XXXX. A detective was given the case and was in contact with XXXX bank, they would not talk to us. USAA send us a letter on XXXX saying they determined no fraud and closed the case. We called them and begged them to do something. The detective told us the bank was going to put the money back into our account but it could take up to XXXX days. The detective kept in contact with us. When XXXX days were up, XXXX advised him to have our bank send a hold harmless form XXXX they would put the money in our account. Dozens of attempts USAA would not resend and XXXX would not request it. We are still waiting. Still frustrated and out of options.

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 2026-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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,

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 2026-03-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I am filing this complaint regarding a debt collection account reported by Rent Recovery Solutions in the amount of {$9200.00}. I was never contacted by this company prior to this account appearing on my credit report. I never received any written notice of this alleged debt by mail. After discovering this account on my credit report, I contacted the company by phone and requested validation of the debt. During that phone call, I specifically requested that they send verification of the lease, an itemized list of charges, and proof that they have authority to collect this debt. During the call, the representative stated that the requested documentation would be sent to me within 24 hours. I have a recording of this phone call confirming that this request was made and that the company agreed to send the documentation. It has now been 10 days, and I have not received any email or written documentation validating this debt. To date, I have not received : - Any written notice of the alleged debt - A copy of the original lease or contract - An itemized list of the charges - Proof that the company has legal authority to collect this debt I am requesting that Rent Recovery Solutions provide full written validation of this debt or remove this account from my credit report until proper validation is provided. I would also like to mention that I called them three times the first individual gave me a fake email to request those documents from the third individual that answered told me were not gon na give you an email address too bad and then the third individual that answered is the one that I recorded

Company response to consumer: Untimely response
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against Bank of America regarding funds that have not been returned to me after my account was closed. My account was closed on XX/XX/year>, with a remaining balance of {$1100.00}. The bank claims that a check was issued and mailed to me. However, as of today, more than six weeks later, I have not received any check or funds. I have contacted the bank multiple times by phone and also visited a branch in person. Each time, I receive inconsistent and unclear information. Representatives have told me that the check was sent, but they can not provide a tracking number, check number, or exact mailing date. They also stated that the check might have been delivered, which is not accurate, as I have a secured mailbox and have not received anything. Additionally, I have been told that I must wait up to 120 days before any further action can be taken or before the funds can be reissued. This is unreasonable, especially since the bank can not provide proof that the check was ever sent or delivered. At this point, my money is effectively unaccounted for while under the banks control. I am requesting the following : Immediate confirmation of whether the check was actually issued, including check number and date. Immediate stop payment on any previously issued check. Immediate reissuance of my funds through a secure and trackable method. A formal explanation for the delay and lack of documentation. The banks inability to provide basic documentation or proof of mailing raises serious concerns about how my funds are being handled.

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 2026-03-24 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: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I am writing to file a formal complaint regarding a debt collection attempt by Portfolio Recovery Associates for an account numbered XXXX, with a current balance of {$5900.00}. This account is incorrectly attributed to me and has been reported in collections to the major credit bureaus : XXXX, XXXX, and XXXX. I have never opened nor authorized any transaction that would result in this debt. Despite previous disputes filed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, concerning the inaccurate reporting of this account, the issue remains unresolved. Each dispute was submitted through the credit bureaus online dispute systems, tagged as 'Incorrect Details ( autoblast ), ' yet the account continues to appear on my credit reports, causing significant harm to my credit scores, which are XXXX with XXXX XXXX XXXX with XXXX XXXX and XXXX with XXXX. The continuous reporting of this erroneous debt has adversely affected my financial standing, making it challenging to secure necessary credit, and has caused undue stress and reputational harm. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I maintain that this debt is not owed by me and should not be reported under my credit profile. I am requesting the Consumer Financial Protection Bureau 's assistance in compelling Portfolio Recovery Associates to immediately cease reporting this debt to all three credit bureaus ( XXXX XXXX XXXX ) and to confirm the complete removal of this account from my credit reports. I expect written confirmation of this action. Thank you for your attention to this serious matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I am filing this complaint regarding XXXX role in facilitating a fraudulent transaction as part of an impersonation scam, resulting in a loss of {$2000.00}. On XX/XX/XXXX, I was the victim of a sophisticated impersonation scam in which a bad actor posed as a trusted contact and induced me to send funds under false pretenses. As part of this scheme, I sent {$2000.00} via XXXX through XXXX XXXX XXXX to a XXXX XXXX, phone number XXXX. XXXX confirmation # XXXX This was not a legitimate or voluntary payment. It was induced by deception. XXXX is widely recognized as a platform frequently exploited for impersonation scams. Despite this, there appear to be insufficient safeguards in place to detect or prevent these transactions, and limited recourse for consumers once fraud occurs. My claim was denied on the basis that the transaction was authorized, despite the clear presence of fraud. This reliance on a narrow definition of authorization fails to account for the realities of impersonation scams, where consumers are deliberately manipulated into sending funds. Concerns : Lack of effective protections against impersonation scams Failure to detect or interrupt clearly fraudulent transaction patterns Inadequate consumer recourse for fraud-induced payments Over-reliance on authorized transaction classification to deny claims Requested Resolution : I am requesting that this transaction be reviewed under fraud-related protections and that XXXX, in coordination with XXXX XXXX XXXXXXXX, take appropriate action to investigate and reimburse this loss. Additional context : This transaction was part of a broader fraud scheme involving additional wire transfers totaling {$15000.00}. I reported the fraud to my bank on the next business day. This was not negligence or a voluntary payment. I was deliberately deceived through a targeted impersonation scam, a well-documented and rapidly growing form of fraud. The lack of meaningful protections or recovery options for consumers impacted by these scams is deeply concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: CA

Complaint narrative:
On XX/XX/year>, I accidentally sent {$130.00} via PayPal to the wrong recipient due to a typo. I immediately attempted to resolve the issue by filing a dispute with PayPal. PayPal reviewed the case and denied it, instructing me to contact my bank. I contacted my bank multiple times and they investigated the transaction, but ultimately denied the claim, stating that because the transaction was authorized, PayPal is responsible for handling the issue. I returned to PayPal several times and was repeatedly told to contact my bank again, despite explaining that my bank had already denied the claim. This has resulted in a continuous loop with no resolution. I have also made multiple attempts to contact the recipient directly through PayPal and social media ( XXXX and XXXX ), but have received no response. I requested escalation and a supervisor callback from PayPal, but the callback never occurred. I am now being told no further action can be taken, without any meaningful review or assistance. I am requesting that PayPal : Conduct a manual review of the recipients account Attempt to recover the funds or assist further Provide proper escalation instead of redirecting me repeatedly This situation involves funds sent in error and a recipient refusing to return them. I am seeking assistance in recovering my money or ensuring proper handling of this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
Subject : Formal Complaint Against Radius Global Solutions Failure to Validate Debt & Reporting Issues Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Complaint Against Radius Global Solutions LLC Dear Sir or Madam, I am submitting this formal complaint against Radius Global Solutions LLC regarding their reporting and collection practices on an alleged debt listed on my credit report. I dispute the validity of this account in its entirety. Despite my dispute, Radius Global Solutions has continued to report this account without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Specifically : I have not received adequate verification or validation of this alleged debt. The account continues to be reported on my credit report, which I believe is inaccurate, incomplete, or unverifiable. Radius Global Solutions has failed to conduct a reasonable investigation after my dispute. This reporting is negatively impacting my creditworthiness and financial standing. Under federal law, I am requesting the following : 1. Immediate validation of the alleged debt, including original creditor information and a full accounting of the balance. 2. Proof that Radius Global Solutions has the legal right to collect on this debt. 3. Documentation bearing my signature showing I agreed to this obligation. 4. Immediate deletion of this account from my credit report if proper validation can not be provided. If Radius Global Solutions can not verify this debt in accordance with the law, they must cease collection efforts and remove all references to this account from my credit files. I am requesting that the Consumer Financial Protection Bureau investigate this matter and ensure that my rights as a consumer are being upheld. Thank you for your time and assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: OK

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
To whom it may concern, I opened a Bank of America checking account on XX/XX/XXXX and switched my direct deposit in order to qualify for a {$400.00} promotional bonus. Shortly after opening the account, it was closed by the bank due to an identity verification issue, despite my receiving confirmation emails on XX/XX/XXXX and XXXX indicating that the account was active. I was not made aware of the closure until later and was instructed that my funds would be returned via cashiers check within XXXX days. I made multiple attempts to resolve the issue, including phone calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as well as an in-person visit to a branch location on XX/XX/XXXX. During these interactions, I was unable to obtain a clear explanation for the account closure. I was also informed that my funds would be inaccessible and that I would need to wait for a check to be mailed. I received the cashiers check on XX/XX/XXXX, which exceeded the stated XXXX day time frame, during which time I had no access to my funds. Additionally, because the account was closed by the bank, I was unable to complete the requirements for the {$400.00} promotional bonus despite taking the necessary steps, including switching my direct deposit.

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