vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: TN

Complaint narrative:
I am disputing the account from National Recovery Agency ( NRA Group LLC ). This is a medical debt from XXXX. Under Tennessee XXXX, effective XX/XX/XXXX XXXX it is illegal for this to be included on my consumer report. Furthermore, the debt was never properly validated. I demand immediate deletion under the Tennessee Consumer Protection Act and the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
Sent a letter to the company on XX/XX/XXXX and XX/XX/XXXX and disputed the validity and amount of the alleged debt referenced above. 

Please provide full validation as required under the Fair Debt Collection Practices Act, including : 1. Photographs documenting tenants caused damage beyond normal wear and tear.

2. An itemized invoice showing the actual cost of carpet replacement.

3. Documentation of the age and useful life of the carpet and any depreciation applied.

4. Proof that the amount claimed represents tenant-caused damage rather than routine turnover or normal wear.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: CT

Complaint narrative:
On XX/XX/year>, my PayPal account was created, and on XX/XX/year>, the company decided to limit access to my account due to a high risk associated with the funds received. Since then, I have attempted to resolve the situation by contacting PayPal on multiple occasions, requesting details about the account restriction, the required documentation, and an estimated timeframe for resolution. However, I have not received a satisfactory response, and the balance remains inaccessible. 

Furthermore, I submitted all the required documentation to verify my identity and personal address ; however, the company has neither resolved the situation nor provided a satisfactory response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I recently pulled my credit file and noticed an account in collections # XXXX. This account was previously deleted in XX/XX/year>. It was originally reported from the debt collector XXXX and after they had no authority of will to collect they deleted the collection account. This account is now sold to XXXX XXXX XXXX under the FCRA laws this is illegal. I was never notified or given a 5 day business notice by Experian before reinsertion. Please delete this permanently/immediately and compensate me {$1000.00} for failure to notify me.

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 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding my Texas installment loan and requesting CFPB review of Advance Americas conduct and compliance with federal and Texas consumer protection laws. 
I informed Advance America that I am experiencing financial hardship and can not afford the biweekly payment of {$190.00}. Despite this notice, the company refused to discuss hardship modifications or settlement options, stating that such options are not available while the account is classified as in good standing. While I understand that the loan agreement does not require settlement offers, I believe the companys rigid position, combined with other conduct described below, warrants regulatory review. 
My loan agreement authorizes Advance America to charge my debit card for scheduled payments and, under certain conditions, to initiate ACH withdrawals from my bank account if the debit card payment fails or becomes invalid. However, Advance America represented to me that payments were being processed solely through a debit card and did not clearly explain that withdrawals could be initiated from my checking account under the circumstances that occurred. 
As a result, Advance America initiated an ACH withdrawal from my checking account, causing an overdraft and financial harm. Although the agreement contains ACH authorization language, the companys communications created confusion regarding the method and timing of withdrawals, raising concerns about whether the authorization was properly disclosed and understood. 
When I requested documentation related to my loan and payment authorization, including transaction records and call recordings, I was informed that it was illegal for Advance America to provide such information. I believe this statement is inaccurate and misleading. The loan agreement contemplates the use of documentation in dispute resolution and does not prohibit disclosure of relevant loan records to the borrower. Refusing to provide basic account documentation undermines transparency and may constitute unfair or deceptive practices. 
I have revoked authorization for electronic withdrawals. I am concerned about whether Advance America will honor this revocation in accordance with the Electronic Fund Transfer Act and applicable Texas law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Good evening, I received a letter today from Mid l and Credit Management. They are threatening me in the letter stating i owe over {$1200.00} which i do not. I am on permanent federal XXXX for severe XXXX, XXXX, XXXX, XXXX and more. Threatening me makes my condition worse than most others. I have had to take action against MCM before for debt not owed, and harassing phone calls all times and they said they would stop due to my illness. Best part : i do not owe anyone anything. This states is from a " XXXX XXXX '' issue. I have lived in XXXX since XXXX without every ever ever tasting XXXX XXXX. 10 years ago. It is illegal to try to collect on any debt after 7 years, let alone after 10 years. I have never used XXXX XXXX in my life, and if it does then someone is using my information to get XXXX XXXX. Have not heard from MCM since the ftc stepped in and told then to stop. I am severely XXXX to the extent that I do not meant my house, do not work. 
Will be sending a certified cease and desist letter to mcm. Debts over 10 years olddebts over 10 years old are past the legal statute of limitations ( typically 3-6 years, though some vary ). While collectors can still ask for payment, they can not legally sue you for it. In XXXX, the statute of limitations is 5 years to collect debt. In XXXX XXXX, the statute of limitations is 6 years. So they are not allowed to threaten to sue me. Mcm CAN NOT legally sue anyone past the statute of limitations. I'm covered in BOTH STATES by statute of limitations. 

I am permanently on XXXX. This is making my XXXX worse to threaten, demean me, and to state that I owe something that I do not. I want mcm to stop STOP sending me mail ( it's been over 5 years since they were told to stop ) or calling me. They are a nightmare and making my XXXX so much worse. I will countersue for emotional and mental health damages if this continues as it's making me not eat, nor sleep, crying, shaking, panic attacks and worsening my XXXX. Please leave me alone. I do not owe anything at all, I've never done any type of XXXX XXXX ever, they have the wrong person or ID theft. Regardless, ive lived in another state for over 10 years now and never used any type of XXXX XXXX. If this was a real debt, it's over XXXX XXXX XXXX which is illegal to try to even collect for. Please stop harassing me. Just please stop. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is attempting to collect an alleged debt originating from Navy Federal Credit Union ( Account Ending in XXXX ). 

I am disputing this debt because XXXX has failed to provide sufficient verification that they own this account or are legally authorized to collect it. They have not provided a complete accounting of the debt, nor have they provided a " chain of title '' proving the debt was legally transferred from Navy Federal to XXXX. I question XXXX 's standing to sue or collect under O.C.G.A. 11-3-301, as they may be a debt collector without the proper rights to enforce the instrument. 

I have attached a formal " ACCOUNTING AND STANDING DEMAND '' which I sent to XXXX via email at XXXX on XX/XX/year>. The demand letter is also attached to this complaint. This letter demands : Proof of XXXX 's standing and " real party in interest '' status. 
A complete ledger of transactions and interest calculations. 
Documentation proving the debt was not sold, securitized, or charged off with insurance recoveries. 
I request that the CFPB facilitate the retrieval of this accounting and verification. If XXXX can not prove they own this debt or provide the accurate accounting requested, I ask that the collection efforts be ceased.

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 2026-01-24 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
XX/XX/year> someone while I was working placed multiple bets on fXXXX XXXX. I got a text message and responded it was not me. During lunch I called and filed a fraud claim. Wells Fargo told me it can take up to 10 business days I then contacted the police to do a police report as I saw on my bank account thst the their put in on for them to be notified to be contacted as primary instead of there's. I noticed my bank. I then chatted fan duel and they were no help until 2vperson sent my complaint someone emailed me saying that my fan duel account was suspended I responded back I never opened one. Someone then responded to me to provide my info and screenshot of my dispute of my charges. Its now 5 business days haven't heard anything from wells fargo. No provisional credit. I have been a customer of theirs for 40 plus years. I also have a new bank card but I had to fight with them to rush it to me.

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 2026-01-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am no liable for this debt with the charter communications i do not have a contract with Jefferson Capital System they did not provide me with the original contract as requested. I have requested information on the alleged debt specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. they have failed to contact me with these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
I was due to receive my Belgian pension payment of XXXX ( approximately {$1600.00} ) on XX/XX/year>, as I have every month for over XXXX years. The pension office sends this amount to my account at XXXX XXXX Bank, located in XXXX, NC, at the XXXX XXXX XXXX. 

The pensions office confirmed to me that this amount was indeed sent as usual and even specified that the XXXX ID tracing number is XXXX. 

The XXXX XXXX Bank branch was notified from the outset and investigated. They were told that the transfer had been flagged without any explanation. But there has been no further news since. 

I should normally receive the same amount again on XX/XX/XXXX. Will this one also be flagged? 
I would like to know the reason In the meantime, this situation is causing me numerous expenses that I wish to claim from my bank. 

I'm waiting for my money because it's all I have to live on and pay the bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I found a propane tank distributor online, called XXXX. I checked the usual places, but didnt notice that they were not juried entries. Sigh. I placed the order. The site claims they take credit cards, etc, and for some orders, wire transfers. When I got the confirmation of the order, they had requested wire transfer. No, I dont know why it didnt trigger a better check. They also called me and told me the order was on hold until payment was received. I went ahead and sent the payment. At that time, they were responding to email, chat requests and answering the phone. I checked back a couple of days later, and they said the tank was scheduled to be delivered next week. 
When expected didnt arrive, I called back again, they said it should have been delivered the previous day and they would check. They did not call back, of course. Chat and email no longer were being answered, either. 
I filed the FBI report, FTC and .. forgot. Anyway, I contacted my bank, and while I did not expect to get my money back ( that was clear when I sent it ), I wanted to make sure they knew one of their accounts ( I gave routing and account number ) was being used in scams. They didnt care. Apparently using their bank in money laundering schemes doesnt matter. No wonder scams are so prevalent. 
It wasnt an over seas transfer, it when from my chase bank account to theirs, and chase doesnt mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am submitting a complaint regarding U.S. Banks denial of my Regulation E claim for unauthorized ATM withdrawals totaling approximately {$1000.00}. 
I did not authorize these ATM withdrawals, retained possession of my debit card at all times, and did not share my PIN with anyone. The withdrawals occurred repeatedly over several months and included out-of-network ATM fees, which alerted me to the fraud. I reported the unauthorized transactions promptly once discovered. 
U.S. Bank initially issued provisional credit and later reversed it, stating that the claim was denied. The only explanation provided was that a PIN was used. U.S. Bank did not provide evidence that I authorized the transactions or that I was negligent, as required under Regulation E.

I am requesting that U.S. Bank provide the written basis and evidence for the denial, conduct a full regulatory review of the claim, and reimburse the unauthorized withdrawals as required by Regulation E

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc.
State: SC

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Kikoff Lending LLC. I disputed this account with XXXX, and XXXX  completed its reinvestigation but stated that the information was verified and no changes were made, relying solely on Kikoff Lending LLCs response. 

Kikoff Lending LLC did not provide me with documentation demonstrating how the reported information was verified as accurate, including payment history, balance calculations, or reporting methodology. XXXX  relied on automated verification rather than a reasonable investigation as required under the Fair Credit Reporting Act. 

I am requesting that Kikoff Lending LLC provide full documentation proving the accuracy of the information being reported or correct or delete any inaccurate or unverifiable information. The continued reporting of this account is materially harming my creditworthiness. 

I am requesting a reasonable investigation and appropriate correction of any inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax , Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-23 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: Chime Financial Inc
State: CA

Complaint narrative:
I purchased clothing merchandise from vendor name XXXX XXXX XXXX XXXX on XX/XX/XXXX with a transaction amount of XXXX. I have not received the promised product and raised a dispute with chime. They did not approve my dispute with proper evidence on why it couldn't be approved. I escalated the issue with the CFPB, I waited an additional 2 months time and still received a rejection without any evidence why it was rejected. I called on XX/XX/XXXX, to file a Visa goods-not-recieved dispute, but chime refused. Stating they can not process it. I have documentation proving non-delivery, prior compliants, and attempts to resolve the issue with chime support via their recorded phone system.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: French Financial, Inc.
State: MN

Complaint narrative:
While I was separated from my ex-husband, he opened multiple accounts, using my information without my knowledge. I was never aware of this account. I never benefited from this account. I also filed a police report. Upon my divorce proceedings, I had named this jet as it was not mine, and the judge ordered that it was my ex-husbands debt and not mine. I am not responsible for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2026 @ XXXX & XXXX two fraudulent charges were made to my Chime bank account. 

The amounts of {$270.00} and {$44.00} were made at a local XXXX store. 

My debit card was stolen earlier that day from my driveway so I immediately called chime and they cancelled my card and assured me a new one. 

Creating a dispute to get my money back has been a hassle as I have been denied 3 times by Chime and keep saying no error has occurred. 

They sent me their findings as to how they came to this conclusion. Which was essentially just transcripts of the previous phone calls I made to report it. No actual evidence was provided in the report. 

There is also false information saying that I didnt make a police report when in fact I did, the same day of XX/XX/year>. 

Today I just got denied for the third time via email and am now seeking assistance from your organization. 
XX/XX/year> P.s I am willing to provide more evidence

Company response to consumer: Closed with explanation