vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: OH

Complaint narrative:
To Whom It May Concern : This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ) and the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ).

You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family, or my place of employment regarding the alleged debt referenced above.

Your agency has no verified legal right to collect, report, or pursue action on this account without proper and complete validation of ownership and legal assignment of this debt.

You are currently in violation of federal law by continuing to report this account to the credit bureaus without substantiating your right to collect. If you can not prove full ownership or legal right to collect this debt, you are knowingly furnishing inaccurate and unverifiable information, which is a direct violation of the FCRA ( 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ).

I am formally demanding the following documentation within 15 calendar days from the date of this letter : The original signed contract or application bearing my signature showing liability for this debt.

The complete chain of title or assignment of debt, including all transfers and dates from the original creditor to your agency.

A copy of the bill of sale or purchase agreement showing your agency legally owns this debt.

An itemized statement of all amounts claimed to be owed, including principal, interest, fees, and charges.

Your debt collector license number and the state ( s ) in which you are licensed to collect.

Your surety bond information, as required by law in certain jurisdictions.

If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return le account to the original creditor and permanently cease any further action on this matter.

Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 1681n and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs.

I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary.Let this serve as your final warning. Failure to comply within 15 calendar days will result in further legal Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Consumer Financial Services Solutions, Inc.

Complaint narrative:
Summary of Complaint I am filing this complaint against Beyond Finance for deceptive, misleading, and predatory debt settlement practices that caused me significant financial harm. Beyond Finance induced me to enroll in its program based on representations that my debts would be resolved for substantially less than what I would ultimately be required to pay. In reality, the programs structure caused me to pay more than the promised settlement amount and nearly as much as my original debt, while multiple accounts remained unsettled.

Statement of Facts Original Debt Amount The total unsecured debt enrolled in the Beyond Finance program was {$100000.00}.

Representations Made by Beyond Finance Beyond Finance represented that my enrolled debts could be resolved within 30 months for a total cost of {$54000.00}. This representation was a material factor in my decision to enroll in the program.

Payments Made I paid a total of {$60000.00} into the program.

Remaining Balances Despite paying more than the amount Beyond Finance represented would resolve my debts : I was informed I still owed {$16000.00} in in-progress payments, and {$27000.00} in enrolled accounts remained unsettled.

True Cost of the Program If I had continued making payments as required : I would have paid approximately {$100000.00}, which is nearly equal to or greater than my original debt, and far exceeds the promised settlement amount of {$54000.00}.

Termination of Program After discovering that continuing the program would cause me to pay more than my original debtcontrary to Beyond Finances representationsI terminated my enrollment.

Harm Suffered As a result of Beyond Finances conduct, I suffered : Financial loss from excessive and misleading fee structures, Ongoing collection activity on unsettled accounts, Damage to my credit, and Emotional distress and financial instability caused by prolonged non-resolution.

Allegations I believe Beyond Finance engaged in the following unlawful or unfair practices : Deceptive and misleading representations regarding total program cost and debt resolution outcomes Predatory fee structuring designed to extract payments regardless of settlement results Failure to achieve promised settlements while continuing to collect fees Misrepresentation of material terms and outcomes Violations of state and federal consumer protection and unfair and deceptive acts and practices ( UDAP/UDAAP ) laws Requested Relief I respectfully request that the agency : Investigate Beyond Finances business practices Order restitution of improperly collected funds Cancel any remaining alleged obligations related to this program Impose civil penalties where appropriate Require corrective disclosures and reforms to prevent similar consumer harm

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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Validation of Debt Request - PORTFOLIO - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
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: IL

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 : 1. The amount of the debt claimed.

2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrum
ent 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: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Business Account Closure and Missing Check Funds Withheld Since XX/XX/year> I am filing this complaint regarding the closure of my business account with Bank of America XXXX XXXX XXXX XXXX XXXX ). 

On XX/XX/year>, Bank of America closed my business account without providing a specific reason for the closure. The closure letter did not state any detailed justification beyond a general decision to end the banking relationship. 

At the time of closure, the account held approximately {$17000.00}. 

On XX/XX/year>, I was informed by Bank of America representatives that a check for the remaining balance had been issued and mailed. However, as of today, I have not received the check. 

I have contacted Bank of America multiple times requesting : Confirmation of mailing A tracking number Stop payment and reissuance of the check The bank has not provided a tracking number, nor have they reissued the check. It has now been over XXXX  days since the alleged mailing date, and my business funds remain inaccessible. 

Prior to the closure, I attempted to initiate a wire transfer in the amount of {$7500.00} to an XXXX  supplier in XXXX as part of legitimate business activity. I had also received business payments into the account consistent with normal operations. 

Additionally, Bank of America closed my personal accounts and another LLC account simultaneously. 

I am requesting : 1. Immediate investigation into the status of the {$17000.00} check.

2. Confirmation whether the check was actually issued and mailed.

3. Stop payment and immediate reissuance via trackable delivery.

4. Prompt release of all remaining funds. 

This prolonged retention of business funds without access or clear explanation is causing financial harm. 

I respectfully request regulatory assistance to ensure timely 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 monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
CEASE AND DESIST NOTICE Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX To : resurgent capital service Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Subject : Formal Cease and Desist Notice To Whom It May Concern : I, XXXX XXXX, hereby formally demand that you immediately cease and desist from any and all communication, contact, collection attempts, harassment, intimidation, or any other actions related to the alleged debt you claim I owe. Pursuant to 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), you are legally required to cease further communication with me upon receipt of this written notice, except as expressly permitted by law. Furthermore, pursuant to Article 1962 of the Civil Code, the passage of the legally established period results in the prescription of actions, extinguishing the right to judicially enforce obligations once the statutory term has expired. Any further attempt to contact me in violation of these provisions will be documented and may result in legal action for damages, including but not limited to claims for abusive or unlawful debt collection practices. I demand written confirmation that you have received this notice and that you will comply accordingly. Failure to comply will constitute a knowing and willful violation of my legal rights. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Citi to request that a returned payment be reallocated back to my balance transfer and Citi XXXX XXXX. I was informed that the adjustment would take XXXX business days. 

However, the reallocation was not completed until XX/XX/XXXX, which exceeded the timeframe provided. 

As a result of this delay, I was charged {$35.00} in interest when I made my minimum payment. This interest would not have occurred had the adjustment been completed within the quoted timeframe. 

I requested a waiver through customer service and escalation via chat, but the request was denied because it was not categorized as a bank error. 

I am requesting a review and reimbursement of the {$35.00} interest charge, as it resulted from a processing delay beyond the timeframe I was given.

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 2026-02-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LoanCare, LLC
State: NJ

Complaint narrative:
Hello My PMI is too high in relation to my LYV. When they did the escrow analysis in XXXX, they should have fixed it then, but they refused. They say it goes down yearly, not to LTV. This is incorrect. They keep lying about everything. My escrow there is way too much money in, and they are fine keeping it and not giving it 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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
TRANSWORLD SYSTEMS INC is falsely reporting on my credit. I have never had any accounts with them. Per my research TRANSWORLD SYSTEMS INC 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 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
ABILITY RECOVERY is falsely reporting on my credit. I have never had any accounts with them. Per my research ABILITY RECOVERY is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company 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: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
Usbank receives my payroll. 
On XX/XX/year> my card was used for XXXX cash transaction. Initial {$20.00} followed by XXXX cash withdraws of {$200.00} each. 
I was home, my wallet in my pocket. No one knows my Pin.

I called Usbank to report the fraud. 
I was requested to fax documents to them. Cost. {$8.00} They denied the claim. Called them again, I was told to refax again. This XXXX fax cost me an additional XXXX. 
Again they denied request to refund those unauthorized funds. 
Contact them again, they requested I fax to them again. 
They are refusing, stating without saying I stole my own funds. 
So, I had my wife XXXX XXXX documents to CFPB at the XXXX. Number which I paid another fee which was XXXX I have these receipts. 
Please help me get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MI

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 XXXX  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 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: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
This caused my to have over draft feas from already low account t had to constantly payoay overdraft fears.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I am filing this complaint due to my mortgage servicers ongoing failure to provide assistance with a forbearance request. Since XXXX, I have made repeated attempts to contact the company to request hardship assistance. Despite multiple calls and extended wait times, I have been unable to speak with a representative who can properly assist or provide clear direction. 
The customer service experience has been extremely difficult. Wait times are excessive, follow-up is nonexistent, and there has been a complete lack of proactive communication regarding my request. As a direct result of this failure to assist me in a timely manner, my account has now accrued late charges that could have been avoided had the company handled my request appropriately. 

Borrowers experiencing hardship should not be left without guidance or support. I am requesting prompt intervention and accountability to resolve this matter fairly.

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 — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> a customer disputed a {$1400.00} transaction. On XX/XX/year> the funds were withdrawn from my business checking account as part of the chargeback process. 

On XX/XX/year> the same {$1400.00} was deducted a second time. 

The bank later admitted in writing that the second withdrawal was caused by an internal system error and stated the funds would be returned. Despite this acknowledgment, the bank has retained the money for months and has repeatedly delayed correction while requesting extensions. 

This is no longer a transaction dispute. The bank is holding funds it recognizes were removed in error. I have contacted the bank multiple times and no resolution or timeline has been provided. 

The continued retention of funds after admitting error has harmed my business cash flow and created financial risk.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Velocity Portfolio Group
State: NC

Complaint narrative:
Contacted my ex about an outstanding loan with XXXX  in collections that had been bought by the creditor Velocity Investments , LLC

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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year>. {$15000.00} dollars wire transfer was taken from my bank account without my permission. All transactions was handled by the bank without my knowledge. With that amount of money being taken out, the bank should have stopped the transaction until I was personally contacted and went into a local bank with my identification. 
There is fraud done to senior citizens, and the Bank will not help them get their funds returned. 
It was the bank 's responsibility to contact me and confirm any large transfer of money out of my account. 
I trusted the bank to keep my money safe, and they failed me as a loyal customer. 
This should be reported so people will know what to do to keep their money from being stolen. Senior Citizens get ripped off by so many scams and institutions. 
The Bank system should take better actions to make sure that the customers are better taken care of.

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