vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: NRA Group, LLC
State: MA

Complaint narrative:
To Whom It May Concern, I am disputing inaccurate and unverifiable information currently being reported on my credit file. 

The following account must be deleted immediately : NATIONAL RECOVERY AGENCY Account # : XXXX Balance : {$1900.00} This account is being reported in violation of multiple provisions of the Fair Credit Reporting Act. 

The data furnisher has failed to provide documentation required under 15 U.S.C. 1681s-2 ( b ) after notice of dispute and the bureau is therefore prohibited from continuing to report unverified information. 

Specifically, the account lacks : Original consumer contract or service agreement Proof of identity verification at time of service Complete payment history and billing statements Chain of assignment from original creditor Verified date of first delinquency as required by 15 U.S.C. 1681s-2 ( a ) ( 5 ) Documentation demonstrating maximum possible accuracy under 15 U.S.C. 1681e ( b ) A computer verification or e-OSCAR confirmation does not constitute a reasonable investigation as required by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. 

Because the furnisher can not reasonably investigate without the above documentation, continued reporting constitutes negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I received an email from XXXX  stating a negative account was added to my credit report. Upon checking there is a collection agency by the name of XXXX XXXX XXXX reporting a collection to my account on behalf of UPLIFT. I have never used this companies services and have no knowledge of this debt. I recently made a report a few months ago for a similar item being reported. It was removed as a result of identity theft. I am how or why these companies can just sell thee false debt and continue to report this item to my credit considering I've already had to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: MD

Complaint narrative:
L J ROSS ASSOCIATES IN is falsely reporting on my credit. I have never had any accounts with them. Per my research L J ROSS ASSOCIATES IN 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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Kikoff Inc.
State: SC

Complaint narrative:
I had 2 unauthorized charges from my XXXX account one was {$210.00} the other was {$10.00} I've already filed with ftc my accounts were compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: NY

Complaint narrative:
I am filing this complaint regarding a credit card billing dispute that has not been properly resolved by Goldman Sachs ( Apple Card ). 

On XX/XX/year>, I made a purchase through StockX using my Apple Card in the amount of {$2900.00}. 

Order Details : Order Amount : {$2900.00} Order Number : XXXX Order Date : XX/XX/year> XXXX : XXXX XXXX XXXX XXXX : XXXX Delivery Status : Marked Delivered Signature Name : XXXX The package was marked as delivered on XX/XX/year>. However, I never received the merchandise. The delivery record shows it was signed for by an individual named XXXX. This individual is not me, is unknown to me, and was not authorized to accept deliveries on my behalf. 

I disputed the charge with Goldman Sachs for goods not received. Despite submitting evidence including documentation that the signature is not mine and proof that I was on vacation at the time of delivery with photos and timestamps the dispute was repeatedly denied based solely on the carriers delivery confirmation. 

No proof has been provided demonstrating that delivery was made to me or to an authorized recipient. A carrier scan and signature from an unknown third party does not establish authorized receipt. 

I have contacted both the merchant and Goldman Sachs multiple times over the past year and spoken with several representatives and managers. I requested confirmation that my submitted evidence was reviewed and requested copies or summaries of the evidence relied upon, but this information was not fully provided. 

Goldman Sachs continues to rely solely on a carrier delivery scan rather than proof of authorized receipt. I have exhausted all internal resolution channels. 

I am requesting a permanent credit of {$2900.00} and a proper senior-level review of this dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Northern Trust Company, The

Complaint narrative:
STATEMENT OF FACTS : I am the authorized representative of the XXXX XXXX XXXX. Since my appointment, The Northern Trust Company has systematically obstructed my fiduciary access to the estate 's financial information and digital banking. 

DELIBERATE OBSTRUCTION : I have repeatedly contacted the " Passhelp '' and " Private Passport '' departments to request my User ID and digital credentials. I have documented evidence that bank operators deliberately disconnect my calls the moment I identify the estate account. One specific operator provided contact numbers for XXXX XXXX but subsequently cut off communication once the account was mentioned. 

VIOLATIONS : Denial of Access : I am unable to access the online portal or receive periodic bank statements, preventing me from fulfilling my fiduciary duties. 

Failure to Provide Documents : The bank has failed to deliver the Certificate of Trust and the complete history of bank statements from the account 's inception to the present date. 

Bad Faith Communication : The bank relies on generic, automated emails that do not address the specific access issues, effectively " ghosting '' the authorized beneficiary.

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 2026-02-20 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: GUARANTEED RATE INC.
State: WI

Complaint narrative:
Purchased home in XXXX. 
Mortgage company used the wrong parcel number. 
Escrow funds were paid to the wrong property. 
The issue was reported in XXXX ; as of late XXXX, it is still not fixed. 
Result : My property is now listed as delinquent, and I am facing potential penalties/interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I currently have had efforts that have failed from XX/XX/year> for the same amount of XXXX $ going to A National Credit Systems on Behalf of the XXXX XXXX  that were out of XXXX, ky. 
I have called and left a message, I have called the old apartments location according to the address in XXXX. The apartments have changed their name and are under new management. I was referred to XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX, IL. I have officially had to record that I have called both parties and left messages in the last two days. 

I want this charge to go away, I have been calling the same company as I did then while living at the apartments and they did not answer me then either. I also want this off of my credit. They are not to call me again about anything else because of non payment. 

An address they gave me to start sending payments to them a year ago was bogus! It was as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This address has return almost 49 checks I have bill payed to them. This is why they will need to stop ever sending my information to anyone else. I asked to speak with them on the matter and they told me to call them the " account '' is no longer with us. That is a bogus Idea I lived there. They dont have it or are not accepting the account so this looks like false reporting to me. They refuse to do anything about that when I called them to ask why there was no contact information for the national credit systems. I got the information from XXXX. This is not funny. How could that have been the wrong address. 

I did however send them a new address email and they MAILED me a letter. So why have THEY not accepted the payments all this time if they new who I was. Also they did not respond to the email. They did not sent me a courtesy email. I quietly received a letter today and I want confirmation they are going to allocate the money to the account or just write it off. I really do NOT want to pay them anything at this point This was why I moved out!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
They keep calling after I told them to stop calling. And they they ended up calling my brother inlaw asking for me. This is harassment and needs to stop. I dont want any debt collectors contacting me after multiple times telling them. This just one out of the few I have profoilorecovery contacting me after I told them multiple times to stop. I block them and they keep calling from all different types of numbers. This is harassment and I want it to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: TX

Complaint narrative:
I am disputing a collection account reported by CollectTech for charges allegedly owed to my former apartment complex, XXXX XXXX Apartments in XXXXXXXX XXXX 

These charges were formally disputed with the original creditor prior to being sent to collections. Despite this, the apartment management transferred the account to a collection agency, which is now reporting the debt as seriously past due. 

Additionally, the amount being reported by the collection agency does not match the balance communicated to me by the original creditor. On XX/XX/2025, XXXX XXXX / XXXX stated in writing that the outstanding balance was {$830.00}. The collection agency is reporting approximately {$1400.00}, with no explanation, itemization, or documentation supporting the increase. At no point was I provided notice, documentation, or authorization for any increase beyond the original creditors stated balance. 

This discrepancy indicates inaccurate reporting and raises serious concerns about the collectors ability to validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). 

The collection agency has not provided itemized documentation validating the charges, nor proof that the debt is legally owed. The original charges were excessive, disputed, and part of an ongoing pattern of unresolved complaints during my tenancy. 

I am requesting : 1. Full validation of the alleged debt 2. Documentation showing the debt is legally owed 3. Documentation explaining the discrepancy between the original creditors stated balance and the amount being reported by the collection agency 4. Immediate correction or removal of any inaccurate credit reporting 5. Confirmation that disputed charges were improperly sent to collections I am requesting regulatory review due to improper handling of a disputed debt, balance misrepresentation, and inaccurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I signed up for a promotional free trial of XXXX XXXX XXXX. The promotion stated the service was free during the trial period and could be canceled at any time. I returned the equipment to a XXXX store before the trial period ended and before any billing date. Despite returning the equipment, I was billed and the account was later sent to collections. I do not owe this debt. This account was sent to collections in error. I am requesting investigation, recall of the collection account, and deletion from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
In complaint XXXX with CFPB I had requested that extra payment be paid towards principal. Again with XXXX payment, extra payment was not paid to principal. I have asked them to do this every month since they assumed my loan ( XXXX of last year ) addition to the complaint filed with CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Novo Platform Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I filed a transaction dispute with Novo bank for a charge. I provided them all the necessary information. This was a charge for a subscription renewal that I did not authorize to renew. The original purchase was XX/XX/XXXX, and the merchant did not provide any communication of the renewal prior to me getting a charge on XX/XX/XXXX. I ended up needing to file an FTC complaint because the merchant violated FTC policy - there was no communication about the renewal prior to it being charged, there was no " clock to cancel '' option. It was difficult to cancel the subscription. I asked the same day that the charge was made for the merchant to refund it since I was unaware of the renewal. They refused. 

According to my FTC case ( Report number : XXXX ), the bank is required to approve this dispute. Novo Bank is refusing to approve the dispute because of the policy of the merchant. I called the FTC to ask them how I should proceed and they told me to file with CFPB since Novo is not following the required actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. 
XXXX. The name of the original creditor. 
XXXX. A copy of the agreement, contract, or other instrument that created the debt. 
XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
on XX/XX/year> at XXXX XXXX my cell phone ring and it came across as Chase XXXX and I bank with them so I answered the phone and they claimed his name was XXXX XXXX XXXX # XXXX and was telling me my accounts were compromised and he first was asking me if I authorized any transactions and I told him that I only used my card 2 times that day at XXXX and XXXX and that was it While I was on the phone with him emails were coming thru about me trying to XXXX certain people and I told him it was not me and I did not know who any of those people were and then he proceeded to ask me if I use XXXX XXXX  or XXXX XXXX  and he told me I had to send these transactions 1 thru XXXX wallet for {$1200.00} and then another thru XXXX XXXX for {$1300.00} and I did it after I did it I hung the phone up and went to Chase and the teller did not really want to help me and told me I got scammed and Closed my accounts and opened a new 1. My phone service is thru XXXX and I have the checkmark verification on my account and it shows the number says it was verified. Now I am out of {$2500.00} and Chase nor XXXX XXXX is not trying to help me. And I also have emails from Chase saying scammers are doing this. Below I have attached the emails from Chase saying beware of Scammers and that they are doing this and I also attached the screenshot when they called me and it shows it was verified as Chase Claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Validation of Debt Request - JEFFERSNCP - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. 
Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed.

2. The name of the original creditor.

3. A copy of the agreement, contract, or other instrument that created the debt.

4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 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: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
Dear Sirs, good morning. 

I am writing to formally report and dispute a serious incident that occurred on XX/XX/year>. On that date, a merchant, with the assistance and authorization of Capital One, processed unauthorized charges on my debit card and completely drained my bank account without any prior notification and with the banks full consent. 

My debit card is subject to a daily spending limit, yet the bank allowed withdrawals exceeding XXXX XXXX dollars, using my debit card. This action constitutes a clear failure of internal controls and a violation of basic banking safeguards. 

I hereby formally demand that the bank immediately return the full amount of money that was arbitrarily withdrawn from my account. If there is any dispute with a merchant, such matters must be handled strictly between the customer ( myself ) and the merchant. The bank has no legal authority to intervene, much less to unilaterally accuse, authorize, or remove funds that were legitimately held in my account. 

Furthermore, these actions appear to violate the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693, and its implementing regulation, Regulation E ( 12 C.F.R. Part 1005 ), which protect consumers against unauthorized electronic fund transfers and require financial institutions to promptly investigate and correct such errors. 

I demand that the bank assume full responsibility for all damages and losses caused by its arbitrary and negligent decision-making. I also demand to be compensated for these damages in an amount of no less than 2000 % of the funds unlawfully withdrawn, given the severe financial, emotional, and reputational harm suffered. 

I further demand the immediate remediation of all damages caused by these transactions, which, as stated repeatedly, were never authorized by me, nor made with my knowledge or consent. 

Should this matter not be resolved without delay, I reserve all rights to pursue further action, including filing complaints with federal and state financial regulators and initiating legal proceedings to fully protect my rights under applicable consumer protection and banking laws. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I opened three accounts with Synchrony Bank in XX/XX/year> and transferred {$3300.00} into those accounts from my personal XXXX XXXX XXXX account. These were legitimate transfers from my own account. 

In XX/XX/year>, Synchrony Bank closed my accounts, citing suspected fraud. Since that time, Synchrony Bank has failed to return my funds and has provided multiple conflicting explanations regarding the status of my money. 

Synchrony Bank initially told me the funds were returned to XXXX XXXX XXXX. However, XXXX XXXX XXXX confirmed that the transfer cleared and no returned funds were received. 

Synchrony Bank later told me that XXXX XXXX XXXX needed to accept the returned funds, which XXXX XXXX XXXX confirmed is not accurate, as Synchrony Bank is responsible for returning the funds once they are received. 

Synchrony Bank has also stated that the funds were under fraud investigation, yet they have not provided any written confirmation, timeline for resolution, or documentation showing the current status of my funds. 

It has now been over two months since my accounts were closed, and Synchrony Bank has not returned my money or provided proof of return, such as an ACH trace number, refund confirmation, or check number. 

Synchrony Bank is withholding over {$3000.00} of my funds without clear explanation or documentation. 

I am requesting immediate resolution and written confirmation of the location and status of my funds, including documentation of any attempted return or confirmation of when my funds will be returned to me. 

Synchrony Banks failure to provide consistent information or return my funds within a reasonable timeframe is unacceptable and requires immediate investigation and resolution.

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