vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
Date XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX CEASE AND DESIST NOTICE To Whom It May Concern : I am writing regarding the above-referenced account that you are reporting and/or attempting to collect. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby demand that Portfolio Recovery Associates , LLC cease and desist all communication with me regarding this alleged debt, except as permitted by federal law. Furthermore, I dispute the validity of this account and any alleged obligation associated with it. Any further collection activity without providing competent evidence of the debt may constitute violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. If this account is being reported to any consumer reporting agency, I request that your company ensure that all information being furnished is complete, accurate, and fully compliant with the requirements of the Fair Credit Reporting Act. Should you be unable to substantiate the accuracy and legal enforceability of this account, I request that you immediately cease collection efforts and take the appropriate steps to delete any inaccurate or unverifiable information from my consumer reports. Please note that : * I do not acknowledge or admit liability for this alleged debt. * This letter is not a promise to pay. * This letter shall not be construed as a waiver of any rights available to me under state or federal law. * I request that all future communications, if any are legally required, be made in writing only. Failure to comply with this notice may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state regulatory agencies. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: NJ

Complaint narrative:
I signed up to Albert the online budgting company. From the very begining it was not able to link with my account so I never used the service. I now see a charge for it so I emailed them to please cancel my account and refund me. They said go to this link and cancel it. It says something about removing money from an account I dont have with them. I have no email that Albert suddely worked and is now taking XXXX each month out of my account or anything else. I sent them another email to cancel it and no response. I want my account canceled with them and my money returned as the account never linked up and now suddenly I am being charged for what I don't know

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/year>, a XXXX system glitch resulted in 25 duplicate charges of {$41.00} totaling roughly {$1000.00} which were paid out by Bank of America. In other words, I made one order which was delivered and then subsequently was charged the same amount 25 times. B of A did not flag the transactions as suspicious and did not notify me. When i approached XXXX customer service about this they referred me to Bank of America for resolution. I visited my local Bank of America branch to file a dispute. My first visit to register a complaint about the over charge was in XX/XX/year>. I have included a log and the content of all my email correspondence with bank agent XXXX XXXX, with whom I have been dealing since the beginning of this. It appears the bank employee who took the request over the phone at the banks resolution center mishandled the paperwork and failed to properly log each of the overcharges in the dispute. Months later, XXXX discovered the original notice was never entered properly by the banks resolution officer. We re-filed together, but the bank has now denied the claim claiming it was 'late. ' The late filing was entirely due to Bank of Americas internal administrative error, not consumer negligence. I am demanding a reversal of these unauthorized duplicate charges ( 25 duplicate charges at {$41.00} or {$1000.00} ). I have forwarded the bank record showing 26 charges when only one was 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 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-06-08 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: Bilt Technologies, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, a {$200.00} charge from XXXX XXXX XXXX XXXX appeared on my Bilt credit card. I disputed the transaction because I did not authorize it. The transaction appears to have been made in XXXX using a physical card, but I have not been to XXXX, and both my old and new physical cards were kept safely at my home in XXXX. The company later denied my dispute and said the temporary credit would be removed. I contacted the company to request reconsideration and asked for the evidence used to deny the dispute, including the transaction method and any merchant documentation. The company replied that the case had been escalated, but after my follow-up and seven additional days, I still have not received a substantive response or the requested evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2026, I was deceived into sending two XXXX payments totaling {$1600.00} to a fraudulent seller on XXXX ( username : XXXX ) for a fursuit that does not exist. I sent {$1000.00} to XXXX XXXX XXXX XXXX ( XXXX ) and {$600.00} to the same person. The seller refused XXXX and insisted on XXXX only. They provided fake shipping documents from a fraudulent company ( XXXX ) and a fabricated XXXX PDF to make the transaction appear legitimate. I filed a fraud claim with Chase on XX/XX/2026 ( Reference # XXXX ) which was closed without resolution. I have extensive documentation including full conversation screenshots, fake tracking documents, and the fraudulent XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: KS

Complaint narrative:
" I am a victim of a coordinated identity theft and financial fraud spree that occurred on XX/XX/XXXX. A criminal compromised my personal information and targeted multiple financial platforms linked to my identity, resulting in a total theft of {$1600.00}. XXXX XXXX XXXX Violation : The fraud left my primary checking account - {$640.00} negative. The credit union 's backend fraud department issued three separate official claim letters for these transactions totaling {$810.00} ( {$410.00}, {$150.00}, and {$250.00} ). Under Federal Regulation E, their mandatory 10-business-day provisional credit deadline expired on Friday, XX/XX/XXXX [ Regulation E ]. They failed to apply the credit. As a direct result of their compliance violation, my incoming auction house deposit of {$1400.00} hit my account this morning ( Monday, XX/XX/XXXX ), and the system automatically seized {$640.00} of my livelihood to cover the theft. Phone agents are falsely claiming they can withhold my mandatory provisional credit for up to 45 days while they wait for a merchant response [ Regulation E ]. Cash App bad faith investigation : The scammers unauthorizedly accessed my account and stole {$830.00} directly from my balance. I also have open a {$600.00} Cash App Borrow loan. Front-line support agents promised to freeze my loan payments and stop late fees during this active fraud investigation, but they failed to honor this hold and are continuously stacking automated late fees. ( Reference Case # XXXX ). Cash App wrongfully claimed in their denial letter that I 'did not provide evidence. ' In reality, I submitted 62 separate screenshots containing exhaustive proof. Cash App physically mailed those 62 screenshots back to me alongside their denial letter, proving they possessed the evidence but their automated system completely ignored it. Afterpay : The scammers used my stolen identity to open a brand-new, unauthorized shopping account under my name and linked my stolen Cash App debit card to fund an unauthorized {$26.00} purchase.I did not authorize any of these transactions, I did not receive any merchandise, and I am working with local law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am submitting a complaint regarding American Express National Bank ( AMEX XXXX ) related to the restriction of my savings account and the handling of multiple ACH transactions. During a period of approximately one week, several ACH deposits from external accounts, including a Department of Revenue child support account and an insurance-related payment, were processed and credited to my savings account in amounts including approximately {$7000.00}, {$3500.00}, and {$1500.00}. These funds were reflected as available but were later reversed and returned to the originating accounts. During the same timeframe, a {$100.00} transfer from a XXXX XXXX-linked funding source was successfully processed and retained. Following these events, my account was restricted. I was informed that the restriction was related to an inability to verify account ownership ; however, I have not received a clear explanation regarding why certain deposits were reversed after being credited, nor why the XXXX XXXX transaction was treated differently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 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: Experian Information Solutions Inc.
State: FL

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, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Protas, Spivok & Collins. LLC
State: VA

Complaint narrative:
I received a warrant from prostas Spivok Collins LLC for a loan I didn't pay toward from XXXX. I received the letter XX/XX/2026. I emailed XXXX XXXX on Friday the XXXX, giving him what can't afford and how much I am willing to pay. I offered to pay XXXX dollars a month. I received a email I return stating " If that's your best you can do '' " we will be moving forward with the court date ''. I felt I didn't get a fair chance at at least getting a counter offer so can meet in the middle. I thought that's how you set up a payment arrangement. I sent him a email stating he is passive aggressive and can I at least get a payment arrangement. I sent this email XX/XX/2026 and the same day I received a email asking for my employer information and bank institution. I don't feel comfortable giving this information because we never setup a payment arrangement and all of his emails have very passive aggressive and very short.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: Experian Information Solutions Inc.
State: TX

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, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-08 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: FL

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, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Idaho Housing And Finance Association
State: ID

Complaint narrative:
I am a confirmed successor in interest to a mortgage loan following my mothers death. Under 12 C.F.R. 1024.36 ( i ), the servicer is required to promptly respond to requests for information and treat a confirmed successor in interest as a borrower for purposes of servicing. The servicer has failed to do so. Despite notifying the servicer of my status, they have refused to provide loan documentation, payment history, or other requested information, in violation of 12 C.F.R. 1024.36 and 1024.38 ( servicing policies and procedures ). I was never provided with any foreclosure notices, including Notice of Default or Notice of Trustee Sale. This raises serious concerns regarding compliance with 12 C.F.R. 1024.41 ( loss mitigation procedures ) and applicable notice requirements. I only became aware of the foreclosure when I contacted the servicer myself. After informing the servicer that I was actively attempting to sell the property, I was told that a third party had entered the property and was there to change the locks without my knowledge or consent. This action appears to be unlawful property interference, particularly as no confirmed foreclosure sale or lawful transfer of title had been communicated. Additionally, the servicer has failed to comply with obligations to maintain accurate information and provide continuity of contact under 12 C.F.R. 1024.38 and 1024.40. My probate attorney has issued a cease and desist letter. The servicer has ignored this and continues to withhold information and proceed without proper notice. These actions constitute potential violations of RESPA ( 12 U.S.C. 2605 ) and its implementing Regulation X, including but not limited to failures regarding successors in interest, requests for information, and foreclosure protections. I demand the following : 1. Immediate recognition of my status as a confirmed successor in interest. 2. Full loan documentation, including note, deed of trust, and complete payment history. 3. Proof of all foreclosure-related notices, including dates, addresses used, and method of delivery. 4. Confirmation of the current legal status of the property, including whether a foreclosure sale has occurred. 5. Immediate suspension of all foreclosure activity pending investigation of these violations. This matter involves potential wrongful foreclosure, failure of required notice, and unlawful interference with property rights, and requires urgent regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MN

Complaint narrative:
Escalation Request. My PSLF Buyback request was submitted over 60 days ago under Case Number XXXX. The Department of Education has exceeded its standard processing window. I have already certified my 120 months of qualifying employment. I am requesting an immediate review to approve my buyback request of 16 months I was unable to make payments due to a government imposed forbearance, and send my official buyback offer amount if approved so I can make the required payment. Furthermore, the StudentAid.gov Feedback website has thrown server errors during multiple attempts to submit my escalation request, and telephone representatives say they are unable to manually log my dispute. Ive attached a screenshot of the confirmation email showing the date I submitted my buyback request which was XX/XX/year>.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bilateral Credit Corp, LLC
State: TX

Complaint narrative:
I am disputing an alleged debt being collected by Bilateral Credit. I requested validation of the debt through a certified letter, which was received by the company. In that request, I asked for documentation establishing that I was personally responsible for the alleged debt and documentation supporting the claim that the payment method used was my personal credit card. In response to the collection efforts, I provided documentation showing that the payment method used was associated with a company account. Despite receiving this information, Bilateral Credit continued to assert that I was personally liable for the debt. Rather than providing documentation establishing my personal liability, Bilateral Credit continued collection efforts and contacted my workplace. According to an email I received from a coworker, the collector discussed the alleged debt with a third party, referenced the amount of the debt, and made negative comments about me personally on XXXX. On XX/XX/year> Subsequent emails from Bilateral Credit contained statements regarding my character and conduct, including allegations that I attempted to intimidate an employee and comments suggesting I was unwilling to discuss the matter professionally. These statements were unrelated to the documentation supporting the alleged debt. My concerns are : 1. I requested validation and documentation supporting personal liability for the debt. 2. I provided documentation indicating the payment method was associated with a company account. 3. The collector contacted my workplace and discussed the alleged debt with third parties. 4. The collector made personal and derogatory comments unrelated to the underlying debt. 5. The debt remains disputed, and I am requesting a review of the collectors conduct and collection practices. I am attaching supporting documentation, including my validation request, proof of receipt, emails from Bilateral Credit, documentation regarding the payment method, and the email documenting the workplace contact.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Financial Recovery Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a debt collection letter from XXXX for an alleged XXXX XXXX Credit Card debt, charged off XX/XX/XXXX, totaling {$14000.00}. On XX/XX/XXXX, I sent a formal debt validation request via certified mail per FDCPA 15 U.S.C. 1692g. On XX/XX/XXXX, XXXX responded with only monthly account statements and a form letter falsely claiming their response fully satisfied FDCPA requirements. Their response failed to provide : original signed credit agreement, chain of title proving XXXX legally owns this specific account, proof of Florida collection license, and confirmation the account is reported as disputed to credit bureaus. On XX/XX/XXXX, I sent a second certified mail demand letter identifying all deficiencies and requesting full compliance within 15 days. XXXX has not provided complete validation and has not confirmed cessation of collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I do not recognize any of these debts along with the collector that is saying that I owe the debt. I am requesting the original contract that was signed with my signature in order to verify this debt. I have no clue what it is and the debt collects are brushing me off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX Barclay us is refusing to refund me {$250.00} in fraudulent charges. They approved the fraud claim for approximately 20 others but these 5 they say are legit because XXXX told them we had done business in the past. As soon as I saw all the fraud charges at XXXX XXXX on XXXX I immediately called and reported it. My card was shutdown and a new card was issued. However, they let the pending charges go thru. I had 73 fraudulent XXXX transactions on that day and Barclay us is the only one I have had an issue with

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