vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 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: Atlanticus Services Corporation
State: NV

Complaint narrative:
In XXXX, I received a new credit card from XXXX  XXXX with a stated credit limit of {$700.00}. I used the card for a small number of legitimate, in-person purchases within my local area in Nevada. My last authorized use of the card occurred on XX/XX/XXXX, at which time I also made a payment of {$200.00}. 

A few days later, when attempting to use the card, the transaction was declined. Upon reviewing my account, I discovered a series of unauthorized charges posted between XX/XX/XXXX and XX/XX/XXXX. These charges occurred at multiple physical locations in New Jersey and Connecticut, states I have never traveled to. The transactions were made at restaurants and nail salons, indicating in-person use rather than online transactions. 

In addition, during the same timeframe, there were charges at a XXXX  store in XXXX, Georgia, as well as a charge from the XXXX  XXXX XXXX XXXX in California. I reside in Nevada and have not traveled outside my local area, nor have I used this card for online or mobile app purchases. The geographic spread and nature of these transactions clearly indicate fraud. 

Despite the cards stated {$700.00} credit limit, all of these unauthorized transactions were approved, resulting in a total account balance exceeding {$2400.00}. I did not authorize any of these charges and did not receive alerts or warnings prior to the account exceeding its credit limit by such a significant amount. 

Upon reporting the fraudulent charges via phone to XXXX, I was advised that they would investigate the charges, and report their findings to me. After not receiving word, I called the XXXX  fraud department to follow up at which time I was told that the complaint had been closed not in my favor. When asked to provide details, I was just told that they would mail a letter, and would not provide me any further details. I asked if I could speak to someone that determined the reasoning, I was advised by the Fraud Department representative that they are back office and do not take calls, and that they would send me a letter. The Fraud Department representative stated that he did not have any information other than that it had been found not in my favor, and reiterated I would receive a letter in 7-10 days. I was never able to receive any information regarding this investigation, the evidence for denying the fraud claim, or an explanation as to how the card continued to be approved despite the {$700.00} limit.

At this point, I have a {$2400.00} balance on a credit card with a {$700.00} limit, damaging my credit rating, and my latest statement states my minimum payment due is {$1900.00}, which I will not be able to pay to prevent a 30-day past due.

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 2026-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
I am the owner of XXXX XXXX XXXX and held a XXXX XXXX XXXX Checking account with Citizens Bank ( partial account number XXXX ). 

After discovering unauthorized transactions, I promptly notified Citizens Bank and filed disputes in good faith. Citizens Bank denied my claims without providing documentation or evidence demonstrating that the transactions were authorized. 

The denied claims include : XXXX XXXX XXXX XXXX XXXX Shortly after denying these disputes, Citizens Bank closed my business account, revoked my online banking access, and prevented me from viewing transaction records needed to challenge the disputed activity. 

I believe the account closure was retaliatory and intended to avoid further dispute resolution. In addition, I have reason to believe Citizens Bank may have furnished adverse or derogatory information regarding my business banking relationship to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and/or XXXX, without providing required notice or an opportunity to dispute. 

Citizens Bank has failed to conduct a reasonable investigation, denied access to records, and may have furnished inaccurate or unverified information to consumer reporting agencies, causing harm to my business and banking reputation. 
Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), UCC Articles 4 and 4A, and applicable federal banking regulations requiring reasonable investigation of unauthorized transactions, accurate reporting, and access to account records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I filed an insurance claim with Chase Sapphire Reserve Card regarding an airline ticket that I purchased on XX/XX/year> in the amount of {$280.00} The vendor was XXXX XXXX. I notified XXXX XXXX and provided a XXXX 's note advising against travel due to an injury. XXXX XXXX refunds can only be procured online. I have submitted multiple claims to them. They continue to issue me " Refund in Progress '' letters however they my claim for my refundable ticket has never been refunded. Therefore I spoke to a representative at Chase Bank and they instructed me to file an insurance with the policy that was included with my Credit Card. This has been a nightmare process. After submitting all of the necessary information they asked me to provide, they continue to send me snail email asking for the same items. There is no phone number to speak to a claims agent. The Chase Representative tells me that they outsource this and that there is nothing they can do. 
My claim number with Chase ( XXXX XXXXXXXX XXXX ) is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
FCRA Violations Inaccurate and Unverifiable Personal Information ( 15 U.S.C. 1681 ( c ) ( 2 ) ) Product : Credit reporting IssuSubject e : Incorrect information on credit report / Personal information error Company : Equifax Information Services LLC, XXXX XXXX XXXX XXXX. 

What happened? 

I am disputing inaccurate, unverifiable, and improperly maintained personal information appearing on my consumer credit reports, in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681 ( c ) ( 2 ) and 1681e ( b ). 

The following accounts are being reported under my personal identifying information without proper verification of accuracy, completeness, or lawful reporting authority : Charge-Off Accounts Account ending XXXX ( Opened XX/XX/XXXX ) Account ending XXXX ( Opened XX/XX/XXXX ) Additional Accounts Reported as Pays As Agreed ( Personal Information ) : Accounts ending XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Under the FCRA, all personal information must meet the standard of maximum possible accuracy and be verifiable upon dispute. These accounts continue to be reported without proper verification. 

Pursuant to 15 U.S.C. 1681 ( c ) ( 2 ), disputed information that can not be verified may not be reinserted or continued without certification of accuracy and notice to the consumer. No such certification has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing a complaint against Portfolio Recovery Associates for reporting a debt that I never authorized. 

I have never signed any contract, agreement, or authorization with Portfolio Recovery Associates. Despite this, they are reporting a debt on my credit report as a debt buyer account. 

This appears to be inaccurate, misleading, and a violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

I am requesting investigation and corrective action. 
XXXX I want this need to be asap with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
In approximately XX/XX/XXXX, I signed up for a membership at XXXX XXXX ( XXXX ) via a targeted XXXX advertisement promising 24/7 club access, various amenities, and a low monthly rate with no mention of additional fees or restrictions. 
Upon signup ( using XXXX XXXX XXXX portal ) : Staff could not assist with app login/password reset despite having my account details. 
I was only issued a keycard usable during staffed hours ( approximately XXXX ), not 24/7 access as advertised. 

In the second month, an undisclosed annual/maintenance fee of nearly {$100.00} was charged, never mentioned in the ad or signup materials. 
Shortly after XX/XX/XXXX, I relocated temporarily to XXXX, Texas for work ( approximately XXXX miles away, no XXXX XXXX locations nearby ). I attempted to cancel multiple times : Multiple phone calls went unanswered or unhelpful. 
In-person visit to the XXXX location : Staff refused cancellation without specific proof ( e.g., electric bill ) and stated I would be charged an additional full month despite no access or nearby locations. 

Eventually, a cancellation confirmation was provided acknowledging a significantly lower balance ( around {$65.00} ) at that time. 
Now, debt collector XXXX XXXX XXXX is attempting to collect $ XXXXhigher than the prior acknowledged amount, with no explanation for the increase or itemization. This includes potentially invalid fees/charges from undisclosed terms, service failures ( no promised XXXX access ), and improper cancellation handling despite relocation qualifying under Texas gym contract rules. 
I formally disputed the entire debt and amount in writing ( sent certified mail on XX/XX/XXXX ) to XXXX XXXX XXXX, demanding validation under the Fair Debt Collection Practices Act, including proof of disclosed fees, itemized charges, and cancellation documentation. No validation provided yet ; collection continues. 
The gym 's misleading advertising, undisclosed fees, failure to deliver services, and cancellation obstruction make this debt invalid/inflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Foris DAX, Inc.
State: OR

Complaint narrative:
XXXX {$1200.00} XXXX XXXX XXXX ( XXXX ) limit sells cancelled without warning No option to sell or withdraw funds See screenshot that verify no online notice was posted on their website. 

This has happened with XX/XX/XXXXand XX/XX/XXXXcrypto. I lost a lot of money already.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: TX

Complaint narrative:
My husband and I refinanced our home mortgage in XX/XX/year>. In the process, my husband directly paid the school tax in the amount of {$4900.00} to the XXXX XXXX Tax Collector on XX/XX/year>. On XX/XX/year>, our then mortgage servicing company, Service Mac, LLC also paid {$4900.00} to the XXXX XXXX Tax Collector. On about XX/XX/year>, I contacted Service Mac and inquired about the duplicate payment and the refund. Service Mac informed me that they made payment to the XXXX XXXX Tax Collector on XX/XX/year> in the amount of {$4900.00}, and that was all that they knew. On about XX/XX/year>, I contacted the XXXX XXXX Tax Collector regarding the duplicate payment made. The XXXX XXXX Tax Collector informed me that the payment made by the mortgage servicing company had been refunded to the company. The XXXX XXXX Tax Collector 's website particularly shows that the refund was made on XX/XX/year>. Now it has been more than a month since the XXXX XXXX Tax Collector returned the duplicate payment to Service Mac, LLC. My husband and I still have not received the refund and we want our money back.

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 2026-02-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: InDebted Corporation
State: CO

Complaint narrative:
I paid settlement funds to a XXXX-party debt management/settlement company on XX/XX/2025. The payment was made in full based on the settlement terms provided to me. Since making this payment, the company has not updated the settlement status or provided documentation showing the debt was resolved. 

I did not receive any phone calls or proactive communication from the company. When I contacted them directly, I was told that I still owed additional money. I immediately provided proof of payment, including the receipt showing the XX/XX/2025 payment. After submitting this proof, the company stopped responding and has not replied to follow-up attempts. 

This issue is similar to a prior XXXX  collection matter where settlement handling and communication were delayed and unclear. I am concerned that my payment has not been properly applied and that the company is inaccurately claiming a remaining balance despite payment in full. 

I am requesting written confirmation that my XX/XX/2025 payment was applied correctly, documentation showing the current balance as paid/settled, and correction of any inaccurate records related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RUOFF MORTGAGE
State: IN

Complaint narrative:
Follow-Up CFPB Complaint False Repayment Agreement and FHA Loss

Mitigation Errors This is a follow-up complaint related to my prior CFPB complaint regarding FHA loss mitigation. My mortgage servicer is now incorrectly stating that I agreed to a repayment plan requiring payments of approximately {$3700.00} per month for six months. I
did not agree to this repayment plan, did not sign any agreement, and did not authorize such terms verbally or in writing. 

Despite disputing this and being informed that a supervisor would contact me, no supervisor has done so and the inaccurate information has not been corrected. 

In addition, I requested FHA loss mitigation, including an FHA Partial Claim, and submitted an appeal. My appeal was denied without a written explanation citing FHA guidelines, and conflicting information has been provided regarding whether my appeal is denied or still under review. 

I have now submitted a RESPA Notice of Error disputing the inaccurate repayment agreement and improper handling of my FHA loss mitigation request. My mortgage servicing is also transferring to a new servicer, and I am concerned that these inaccuracies may improperly transfer with the loan. 

I am requesting : Correction of all servicing records to reflect that I did not agree to a {$3700.00} repayment plan Written confirmation that no such agreement exists A written FHA-compliant explanation for denial of the FHA Partial Claim, including citation to the FHA guideline ( s ) relied upon Confirmation that my FHA loss mitigation request has been properly reviewed and transferred without error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Veros Credit, LLC
State: FL

Complaint narrative:
a form 1099-c ( cancellation of debt ) has been issued to the IRS i have ask them to provide me a copy for my records please confirm whether one will be sent and when i can expect to receive it thank you for your attention to this matter. i appreciate your prompt response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I opened a PayPal account and received a legitimate payment of {$120.00} from a hair company collaboration. The following day, my account was temporarily limited. I contacted PayPal customer service by phone and provided all requested information. The representative stated that my information was sufficient and that the temporary limitation would be resolved within XXXX days. Instead, my account was permanently limited shortly after. I contacted PayPal again and was told the decision was final and that my funds would be held until XX/XX/XXXX. I was not provided a clear explanation for the permanent limitation or why my funds are being withheld. I am requesting access to or release of the {$120.00} being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 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: GA

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: MI

Complaint narrative:
The Problem : I am filing a follow-up complaint regarding Eastern Account System XXXX XXXX and their bad-faith collection tactics. In their response to my previous complaint ( Case # XXXX ] ), the company admitted in writing that : XXXX. The account numbers in their records do not match my records from my personal account Ive had for XXXX yeas. Only a vague XXXX XXXX social security number XXXX. The mailing address they used for prior notices was incorrect, confirming I never received a legal validation notice ( XXXX XXXX ). 
Despite these admissions, the company included a payment link in that same response, attempting to solicit money for a debt they acknowledged was unverifiable and inaccurate. 
Legal Violations : * FDCPA XXXX XXXX. XXXX ( XXXX ) : Prohibits the use of " deceptive means to collect or attempt to collect any debt ''. Sending a payment link for a debt the collector knows is mismatched is a textbook deceptive attempt. 
* FDCPA XXXX XXXX. XXXX ( b ) : Requires a collector to cease all collection activityincluding sending payment linksuntil the debt is verified. By their own admission, the account is not mine.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: ID

Complaint narrative:
I disputed this account multiple times through the credit reporting agencies because the account is reported without required supporting information, including no payment history, no date of last payment, no itemized final bill, and no service period identifying how the balance was incurred. Each dispute resulted in the account being marked verified, but no documentation was provided. 

I reviewed older copies of my credit report dated XXXX XXXX, XXXX, and compared them to my current credit reports dated XX/XX/XXXX. The way this account is reported has changed over time, including differences in how the delinquency/collection period is described, yet the current reporting still omits the underlying transactional data necessary to verify the accuracy of the account. 

During the same period this collection allegedly arose, I have an active XXXX account in good standing with ongoing monthly payments via AutoPay, which raises a reconciliation issue that has never been addressed. 

I contacted the collection agency to request written communication and documentation, but I was unable to obtain any written response or supporting records. 

As reported, the account is not verifiable as complete and accurate, and prior disputes have not resulted in a reasonable investigation or explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: FC HoldCo LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the vehicle repossession currently being reported on my credit file. This repossession is inaccurate and appears to be associated with incorrect agreement information that does not belong to me. 

The account details being reported do not match any agreement I knowingly entered into. As such, I am disputing the validity of this repossession in its entirety. Under the Fair Credit Reporting Act ( FCRA ), I am requesting full verification of this account, including but not limited to : A copy of the original signed retail installment contract or lease agreement Proof that I am legally obligated for the account being reported Documentation showing your authority to repossess the vehicle A complete payment history related to this account If you are unable to provide the requested documentation, I am demanding that this repossession be immediately removed from my credit report as it is being reported inaccurately and without proper verification. 

Please be advised that reporting incorrect or unverified information is a violation of federal law. I expect this matter to be investigated promptly and corrected accordingly. If this account can not be fully validated, it must be deleted from all credit reporting agencies. 

I am requesting written confirmation once this matter has been resolved. 

Thank you for your prompt attention to this serious matter. 

Sincerely, 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 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Requested them to stop contacting me and they continue to do it.

Company response to consumer: Closed with non-monetary relief