vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE: Formal Dispute of Inaccurate Credit Reporting \n\nTo Whom It May Concern, \n\nI am writing to formally dispute inaccurate information appearing on my credit report. \n\nThe account listed below is being reported incorrectly and must be investigated: \n\nCreditor: Portfolio recovery Assoc \n\nOriginal Creditor: XXXX XXXX XXXX\nAccount Number: XXXX XXXXn\nReported BalanceXXXX XXXX \n\nStatus: Collection Account \n\nI dispute this account in its entirety. The information reported is inaccurate and/or incomplete. Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i, I am requesting that you conduct a reasonable investigation into this matter. \n\nSpecifically, I request verification of: \n\nThe original signed contract bearing my signature. \n\nComplete payment history from the original creditor. \n\nDocumentation showing Portfolio recovery Assoc has legal assignments for this debt. \n\nProof that the reported balance of XXXX  is accurate and includes no unauthorized fees or charges. \n\nIf this account cannot be properly verified, it must be deleted from my credit report. \n\nPlease provide me with written confirmation of your investigation results. \n\nEnclosed are copies of my identification and proof of address to assist with your investigation. \n\nThank you for your prompt attention to this matter. \n\nSincerely, \n\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I was made aware that my account was restricted via email on XX/XX/XXXX. I attempted to call multiple times but was left on hold waiting for an agent, hung up on, or had to cancel the call due to being too busy at the time. When I was finally able to take time and sit on hold waiting for an agent, I was told that the restriction was in place because I failed to respond to an email. I have looked for the email in my inbox and spam folders for the same email address that I received the notice of restriction at. I provided the security information required to identify myself as the account owner to the agent and they then said that they would have to transfer me to another department to fix the restriction as the final step of whatever process. After a few minutes he returned to say that the department is not taking phone calls but instead handling tickets in a queue as the path to resolution. My account was restricted for a reason I am still unaware of. It remains restricted and payments to another American Express loan account are unable to be processed. The issue with the American Express loan account is urgent enough that I have been contacted by multiple American Express agents who all are unable to help with the restriction on the American Express checking account. My account and its balance have been restricted for two weeks and anyone I speak to at American Express says that they are unable to provide a clear indication for when the restriction will be lifted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Global Lending Services LLC
State: FL

Complaint narrative:
So I told the repo guy to drop my car he kept going an which violated my rights and said the car coming with me and said the next day he did not have to stop I just made a XXXX cent payment on XX/XX/year> not even to weeks later they came and got it wen I was supposed to be current

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: ZIONS BANCORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX issued a XXXXXXXX XXXX  card but would not protect the customer in a disputed charge made to them. XXXX doubled the cost and did not have prior approval but XXXX XXXX paid the Vendor and really did not care about our dispute, could not provide assistance, XXXX computer systems are so poor the XXXX customer service dispute could not even see our charge statement and requested us to fax a copy of the Visa statement to them and they did not care about our complaint or our business. Charge in the past ( authorized ) for vendor XXXX was {$680.00}, XXXX was purchased by another on-line company and merged into XXXX XXXXPage and they proceeded to charge the amount of {$1200.00} on XX/XX/year> for the same service without our knowledge or authorization ( with the increased amount ). After calling into XXXX XXXX XXXX to dispute charges in XXXX XXXX XXXX the looked into this and decided that they would not reverse charges that were not authorized.

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
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
My Coinbase account was taken over via a real-time phishing phone scam on XX/XX/year>. The attacker changed my account email, XXXX XXXX, liquidated my holdings into XXXX, and withdrew approximately {$40000.00}. 

I can not access my account because the associated email address was changed. Coinbase support pages require login and do not allow me to submit a ticket. 

I am requesting : Restoration of access to my account under my original email : [ your email ] Full transaction history and tax reporting documents XXXX withdrawal transaction hashes and destination addresses Login IP addresses and device fingerprints for law enforcement This is required for tax reporting and a pending law enforcement investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I am filing this complaint against CREDIT SYSTEMS INTL IN for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). This company is reporting a collection account on my credit reports with XXXX, XXXX, and XXXX  for an alleged debt that is not mine. They have no license to collect debts in my state of residence, which is XXXX, yet they continue to report this inaccurate information after receiving my formal written dispute. 

On XX/XX/XXXX, CREDIT SYSTEMS INTL IN opened collection account number XXXX on my credit reports. I have no knowledge of this account, never received any validation notice, and never signed any agreement with this company or with the original creditor, XXXX  Power Company. This is a case of same or similar name confusion. 

On XX/XX/XXXX, I sent a formal dispute letter pursuant to 15 U.S.C. 1692g via Certified Mail to CREDIT SYSTEMS INTL IN at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Despite receiving my dispute, as proven by the attached Certified Mail receipt, this company continued to report and update this account to the credit bureaus. Specifically, they updated the account to XXXX on XX/XX/XXXX, just XXXX day after receiving my letter, and to XXXX  on XX/XX/XXXX, XXXX days after receiving my letter. This constitutes continued collection activity during the validation period in direct violation of 1692g ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
For the second year in a row, immediately after my federal tax refund was deposited into my Credit Karma Money XXXX account, I was subjected to an extreme and unjustified denial of normal account access. As soon as the refund posted, my account was effectively frozen for standard use : every debit card transaction, ATM withdrawal, and pointofsale attempt was declined, despite the funds being fully available and legitimately mine. 

During this period, the only method Credit Karma allowed me to use to access my own money was through outbound money transfers each of which carried a fee. Customer support repeatedly told me there was nothing they could do, and even suggested I try sending the money to XXXX XXXX, which would have resulted in additional fees. This is the exact same pattern that occurred last year on XX/XX/XXXX when my prior refund was deposited. 

I allege that this repeated pattern is not accidental. By blocking all standard, feefree methods of accessing my funds and only permitting feebased transfers, Credit Karma creates a situation where customers are forced to generate revenue for them simply to access their own tax refunds. The timing, the restrictions, and the repetition across two consecutive tax years strongly suggest a deliberate practice rather than a technical glitch. 

This year, after I finally transferred out the remaining balance again incurring fees I received an email stating that my account was now unlocked. By that point, the damage was done. The imposed limitations caused significant financial hardship, emotional distress, and impulsive spending driven by frustration and urgency. My refund, which should have supported essential needs, was instead wasted under pressure created by Credit Karmas restrictions. 

I am requesting a full investigation into this recurring conduct, a refund of all fees charged during these restrictedaccess periods, and accountability for the hardship caused by what appears to be a revenuegenerating denial of service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I recently pulled my credit report and noticed there was an account i did not authorize with Capitol One. On the date of XX/XX/year> for the amount of {$780.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My credit card was hacked and some using my identity and used

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
On XX/XX/year>, I received written notification from MOHELA approving my XXXX XXXX discharge. The letter states that 13 loans totaling {$38000.00} are approved for discharge. The letter further states : If any of the loan ( s ) associated with your approved borrower defense application were previously consolidated into a Direct Consolidation Loan, the servicer of that loan has reduced, or will reduce, your consolidation loan balance by the discharge amount. 

The loans were previously consolidated ; however, the required reduction to my Direct Consolidation Loan balance has not occurred. 

I contacted MOHELA multiple times regarding this issue. During one call, I was informed that because the loans were consolidated, the discharge would require additional review and that I should expect resolution within 10 business days. After that timeframe passed with no change, I called again and was told the matter would be escalated and addressed within another 10 business days. No resolution occurred.

During a subsequent call, I was informed that MOHELA could not provide an explanation as to why the discharge had not been applied and offered to escalate the matter again. I was referred to Federal Student Aid ( XXXX  ), but Federal Student Aid advised that MOHELA is responsible for applying the approved discharge. 

I have also filed a complaint with XXXX XXXX XXXX. However, despite written approval of my XXXX XXXX discharge, MOHELA has not applied the discharge to my consolidated loan balance and has been unable to provide a clear explanation or timeline for resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Valor Intelligent Processing, LLC
State: PA

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  \n\nRE: Formal Dispute of Inaccurate Credit Reporting \n\nTo Whom It May Concern, \n\nI am writing to formally dispute inaccurate information appearing on my credit report. \n\nThe account listed below is being reported incorrectly and must be investigated: \n\nCreditor: Valor Int PR \n\nOriginal Creditor: XXXX  \n\nAccount Number: XXXX  \n\nReported Balance: XXXX \n\nStatus: Collection Account \n\nI dispute this account in its entirety. The information reported is inaccurate and/or incomplete. Pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681i, I am requesting that you conduct a reasonable investigation into this matter. \n\nSpecifically, I request verification of: \n\nThe original signed contract bearing my signature. \n\nComplete payment history from the original creditor. \n\nDocumentation showing Valor Int PR has legal assignment of this debt. \n\nProof that the reported balance of XXXX XXXXs accurate and includes no unauthorized fees or charges. \n\nIf this account cannot be properly verified, it must be deleted from my credit report. \n\nPlease provide me with written confirmation of your investigation results. \n\nEnclosed are copies of my identification and proof of address to assist with your investigation. \n\nThank you for your prompt attention to this matter. \n\nSincerely, 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 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX, XXXX. 
XX/XX/year> XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Demand for Deletion of Portfolio Recovery Associates Account Account Number : [ XXXX ] To Whom It May Concern : I am writing on my own behalf to demand the immediate removal of the account reported by Portfolio Recovery Associates from my credit report. This demand is made pursuant to the Fair Credit Reporting Act ( " FCRA '' ), specifically 15 U.S.C. 1681s-2 ( b ) ( Section 605B ), and the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. 1692c.

Under Section 605B of the FCRA, upon notification of a dispute, you are required to conduct a reasonable investigation to determine whether the disputed information can be verified as accurate and complete. Furthermore, 15 U.S.C. 1692c of the FDCPA prohibits debt collectors from engaging in unfair or unconscionable means to collect debts, including the furnishing of inaccurate or unverifiable information to credit reporting agencies. 

The account in question reported by Portfolio Recovery Associates is [ inaccurate/unverified ]. I formally dispute this tradeline in its entirety. 

Pursuant to my rights under federal law, I hereby demand that you : 1. Conduct a thorough and reasonable investigation into this disputed account ; 2. Request verification and documentation from Portfolio Recovery Associates establishing their legal right to report this information ; 3. Remove this account from my credit file immediately if such verification can not be provided within a reasonable time ; and 4. Provide me with written confirmation of the deletion of this account from my credit report. 

Please be advised that failure to comply with the statutory obligations under the FCRA may result in liability for willful or negligent noncompliance, including actual damages, statutory damages, and attorney 's fees pursuant to 15 U.S.C. 1681n and 1681o.

I expect a response to this demand within thirty ( 30 ) days of your receipt of this letter. 

Thank you for your prompt attention to this matter. 

Very Truly Yours, XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone fraudulently altered a rent check that I wrote to my Management Company in XX/XX/XXXX. I was notified by the Management company in XXXX when I attempted to pay my XXXX rent and they asked for XXXX arrears. I was confused because the check was cashed but when I looked into my account, it was then that I realized that someone somehow got a hold of my check and wrote it to themselves for the same exact amount. On that same day, XX/XX/XXXX, I notified Citibank. They put a fraud hold on my account which I had since the year XXXX without any issues ; and opened a new account. Citibank said that they would do an investigation and refund my rent. However, on XX/XX/XXXX, received a letter from Citibank stating that my fraud claim had been denied because I did not submit any supporting documentation or proof; but I never received any correspondence from Citibank prior to that day requesting any documentation. I called the number included on the correspondence that I received and the phone line answered and hung up on me several times. I emailed Citigroup Secure email requesting help and I received an email back stating that they werent the department to help and they discontinued communication. I then, faxed over copies of documents that I had that could possibly prove that I had not been the one who did anything fraudulent in this situation on XX/XX/XXXX. I did not hear back from Citibank. Finally I called Citibank on XX/XX/XXXX, and I was told that I did not submit a statement of unauthorized use, and that was why my case had been closed, but that if I filled it out and submitted it, then they would reopen the case and continue the investigation. The first representative said that he would email the form to me. I waited over an hour and I never received anything. I called back again ; and a second representative sent me over the paperwork. I faxed and emailed it over and I still havent heard 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 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am submitting this complaint regarding XXXX late fees totaling {$80.00} charged to my XXXX XXXX credit card account issued by Comenity Bank. 
The late payments were unintentional and due to an oversight. As soon as I became aware of the issue, I immediately brought my account current. I have since made payments and ensured the account is up to date. 
I contacted Comenity Bank customer service and respectfully requested a one-time courtesy adjustment to remove these late fees. However, my request was denied despite my effort to correct the situation promptly and maintain my account in good standing. 
I am a responsible customer and value my relationship with the bank. These fees feel excessive given that I corrected the issue as soon as possible and acted in good faith. 
I am requesting that Comenity Bank review my account and remove the XXXX late fees totaling {$80.00} as a one-time courtesy adjustment and confirm that my account remains in good standing.

Company response to consumer: Closed with explanation