vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
my credit report out of the blue was placed with a collection in the amount of XXXX from XXXX XXXX by Portfolio recovery. I never had an account with XXXX. I contacted the organization and asked for a detailed copy of the original debt and they never responded. I subsequently disputed with XXXX who did not remove this charge. I have no knowledge of this debt, this was purchased by a collection agency that does not belong to me as i have asked for proof. I asked that this be removed off of all 3 reporting agencies, as i never incurred this debt nor was furnished any proof of the original debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am submitting this complaint regarding a collection account being handled by National Credit Systems. I am attempting to resolve this debt ; however, I believe I was denied a fair opportunity to accept a settlement offer due to communication failures on the companys part. I was recently informed that National Credit Systems had previously offered me a settlement for approximately 50 % of the balance owed. However, the settlement offer was mailed to an address where I have never lived and was also sent to an email address that I rarely use. As a result, I never received notice of the offer and had no opportunity to accept it before it expired. After learning of the offer, I immediately contacted the company and requested that they honor the settlement. I have sent multiple emails over the past three weeks requesting assistance and reconsideration, but I have received no response. I also spoke with XXXX XXXX, who advised that she had not received a response from the department responsible for reviewing my request and could provide no further assistance. I am not refusing to resolve this debt. To the contrary, I have made good-faith efforts to settle the account and am seeking a reasonable resolution. The companys failure to respond to my written communications and refusal to address the fact that the offer was sent to incorrect contact information has left me without a path to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
They email me about a dispute i sent in, the company then tried to ask me to send in personal information, whenever they asked for that information i replied and asked for the information such as the account number, the original creditor, and i also asked for a signed contract between me and their collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Absolutely furious with this bank. Brand new checking and savings accounts ( opened to get a promotional deal ) and so far I have tried to make 3 transactions. ALL 3 WERE BLOCKED AND LOCKED MY ACCOUNT AND THEY TELL ME TO CALL, SO I CALL THE NUMBER IT TELLS ME TO, AND THAT'S NOT EVEN THE RIGHT NUMBER, AND EACH TIME I HAVE TO SIT ON HOLD FOREVER. They claim they can't verify me. EVERY SINGLE TIME? I've already gone through the verification process, I've linked my other accounts, I've called and sat on hold before, and it still doesn't work. What's the point of having an account with a card and a mobile app if it won't let you make any transactions after you go through all the ridiculous steps multiple times to verify anything???? This comes after I've already filed other complaints and they never bothered responding. DO NOT SIGN UP FOR CHASE BANK. TAKE YOUR BUSINESS ELSEWHERE to avoid endless headaches!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: CL Holdings LLC
State: CA

Complaint narrative:
I paid the debt off they agreed fo delete it off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: NM

Complaint narrative:
In XX/XX/year>, a collection was placed on my account by XXXX Receivables on behalf of XXXX XXXX based in Washington state. I called their toll free number and reported the false collection and requested it be removed from my credit report immediately. Phone calls were made on XX/XX/year> and XX/XX/year>. The agent verified the collection was assigned to my SSN in error and said to me over the phone that it would be removed on the next occurring Sunday. They said the system updates every week. Weeks went by and no change. I disputed the error through XXXX, but the dispute was denied because XXXX said Property Receivables VERIFIED to them it was an accurate debt. I had Excellent rating credit, and my credit is now showing in the XXXX because of this false collection for an apartment I have never lived in or rented. The apartments are XXXX XXXX in XXXX, WA. The collection agency is Property Receivables Corp at XXXX. The agent I spoke to was XXXX. Her direct line is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX user handle XXXX XXXX contacted me on XXXX to sell XXXX XXXX XXXX XXXX lot totaling 17 cards amounting to {$22000.00}. Payment was made on XXXX through American Express credit card to email XXXX on XX/XX/XXXX and cards were supposed to be delivered on XX/XX/XXXX. On the morning of XX/XX/XXXX XXXX XXXX disabled his instagram account and ghosted several people including me. We were all coerced and manipulated by the scammer to use XXXX XXXX XXXX XXXX as the only payment method. FTC, ICC and police report were all made. On XX/XX/XXXX, FBI Agent XXXX XXXX contacted us and mentioned I was involved in a huge scam ring. He even left his contact number XXXX ( XXXX ) XXXX and email XXXX if AMEX needed more evidence for this dispute. I filed disputes with amex on these transactions on XX/XX/XXXX. And today amex decided the dispute in favor of the merchant even though the merchant specifically said that he would not contest the chargeback and he was unknowingly involved in this scam ring. AMEX is refusing my dispute only because I paid using XXXXXXXX XXXX XXXX XXXX and that was only because I was manipulated into paying that.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX I went to the Wells Fargo branch in XXXX XXXXXXXX XXXX. I had tried to close XXXX accounts on line but that option was not available. I stated my intent to close my XXXX accounts. I had already consolidated the balances from XXXX accounts into a primary account. After answering questions about why I wanted to close the accounts and receiving information about their competitive services, the banker closed the accounts. I was informed that a check could not be issued that day and was told that I would need to schedule a follow-up appointment on XX/XX/XXXX at XXXX. I did and arrived at XXXX on XX/XX/XXXX. The banker was engaged with another client. After several minutes, the bank XXXX informed me that they would not be able to issue a check to me that day, policy required that the check be mailed and that I should inquire if I did not recieve by the following Tuesday ( XX/XX/XXXX ). I went back to the bank on XX/XX/XXXX at which time the banker called someone who shared with me over the phone that policy allowed XXXX days for receipt and that it had not been XXXX days. Today is XXXX XXXX XXXX days since the accounts were closed. I would consider the service at the personnel at the bank to be disinterested in the matter and unfamiliar with the bank 's policies as they have misinformed me on XXXX separate occasions. The amount of the funds to be dispursed is {$11000.00}.

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 2026-05-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I am disputing two XXXX charges on my Bank of America credit card totaling {$2700.00} ( {$2200.00} and {$500.00} ). I did not make, authorize, or use these transactions. The charges were for an XXXX XXXX rented in XXXX, Florida. The reservation was associated with an unknown person to me named XXXX XXXX, and I was not the guest who stayed at the property. I reported the transactions to Bank of America after XXXX refused to reimburse me for the charges. I requested that the charges be removed from my BOA acccount. I initially contacted XXXX on XXXX XXXX and was denied my claim on XX/XX/year>. I contact BOA on XX/XX/year> and they removed the charges from my account while they investigated. On XX/XX/year> BOA sent me an email requesting more information, which I provided. At the bottom of their email, there is servicing letter correspondence with XXXX, showing that a XXXX XXXX made the charges with my card on XXXX and that the only verification used to authorize her, was my zip code ( see attached servicing letter page 5 ). Even with this information, BOA ( and XXXX ) denied my claim in an email on XXXX and reinstated the charges on my account. The denial email did not address whether I authorized the transactions. Instead, the denial stated the BOA did not receive information showing that the reservation was canceled or that the merchant failed to provide services. My dispute is that I never authorized the XXXX booking in the first place. I called BOA on XXXX and asked to speak to a manager about this. I was placed on hold for a considerable amount of time and was told that a manager was not available and there was no guarantee one would call me back. I have not received a call back from Bank of America.

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 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing this complaint regarding XXXX decision to permanently restrict or close my account without providing a clear or meaningful explanation. XXXX notified me that my account was closed or restricted due to an alleged violation of its User Agreement or Terms of Service. However, the company failed to identify the specific provision I allegedly violated, the transaction or activity that triggered the action, or any evidence supporting its decision. Instead, I received only a generic statement indicating that my account was being closed for policy reasons. I have used my XXXX account for legitimate personal transactions and have not knowingly engaged in any activity prohibited by XXXX policies. Despite my attempts to understand the reason for the closure, XXXX has refused to provide further details, making it impossible for me to determine whether a mistake was made or to meaningfully respond to the allegations. As a financial services provider, XXXX should provide consumers with a reasonable explanation when taking actions that significantly affect access to their accounts and financial services. Closing an account without identifying the specific violation or providing any supporting information lacks transparency and leaves consumers without a fair opportunity to address potential errors. I respectfully request that XXXX : XXXX. Provide a detailed explanation of the specific User Agreement or Terms of Service provision they believe I violated. XXXX. Identify the transaction ( XXXX ), activity, or conduct that led to the account closure or restriction. 3. Conduct a thorough review of my account and the decision to close it. XXXX. Reinstate my account if the closure was the result of an error or unsupported determination. XXXX. Ensure that I have full access to any funds, account records, and transaction history associated with my account. I request CFPB assistance in obtaining transparency from XXXX regarding this action and in ensuring that I receive fair treatment as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
On XX/XX/year>, a XXXXXXXX XXXX XXXX XXXX rollover check was delivered to XXXX XXXX XXXX ( SoFi 's clearing partner ) via XXXX, confirmed delivered at XXXXXXXX XXXX XXXXXXXX ( tracking : XXXX ). The rollover was initiated through XXXX. I contacted XXXX who confirmed the latest processing window would be XX/XX/XXXX. When funds did not appear, I called XXXX on XX/XX/XXXX and spoke with a representative named XXXX, who submitted a support ticket. XXXX did not respond by end of day as expected. I called again on XX/XX/XXXX to check the status. I was promised an escalated path and a callback by end of day. Neither happened. I called again on XX/XX/XXXX. I was told XXXX had been messaged and another support ticket was submitted. The only escalation offered was " Schedule with XXXX, '' which would result in an email or message within XXXX business days with no timeline for an actual call or resolution. It has now been XXXX days since delivery. I have not received confirmation that the check was received, any status on processing, or a date when funds will be available. XXXX separate SLAs have been missed : the rollover processing window, a XXXX support response from XXXX XXXX, and an end-of-day callback promise from SoFi. No meaningful escalation path has been provided despite XXXX calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
This lserves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), and I demand that you cease all communication with me regarding the alleged debt referenced in your records. You are hereby instructed to stop contacting me by telephone, mail, email, text message, or any other means, except as permitted by law to notify me of specific legal action or that collection efforts are being terminated. Any further communication beyond what is authorized under federal law may constitute a violation of the FDCPA and may be documented accordingly. Please confirm in writing that you have complied with this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to dispute the reporting of a Citi credit card account that appears on my credit report as a negative account. This account has been paid in full and closed, yet it continues to be reported in a manner that is negatively affecting my credit profile. I am requesting that you conduct a thorough investigation of this account and verify that all information being reported is complete and accurate. If the account can not be fully verified, or if any portion of the information is inaccurate, incomplete, misleading, or unverifiable, I request that it be corrected or removed from my credit file pursuant to the Fair Credit Reporting Act. Please provide documentation supporting the current reporting status of this account, including payment history, account status, and the basis for reporting it as a negative item after the balance has been satisfied. I appreciate your prompt attention to this matter and request written confirmation of the results of your investigation.

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 2026-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Im really disappointed with the response I got after requesting an investigation into the inaccurate accounts. It felt like a generic reply with no real details on how the accounts were verified. I expect a more thorough answer since I clearly explained why I needed this verification. I have some urgent questions that need to be addressed. If you cant provide a timely response to all of them, I want the accounts removed from my credit report permanently. Can you provide proof that the accounts are accurate? Did you use certified documents during the investigation? If so, what were they? Also, please share any information that was given to the original creditor during the investigation. Id like to know the cost of the documents used, the name of the person you spoke with at the original creditors office, and when and how long the conversation lasted. Lastly, please let me know who from your team spoke with the original creditor during the verification process.

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 2026-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
" I am filing this complaint against Bank of America for mishandling an ACH payment, lack of transparency in their Payments and Invoicing service, and failure to resolve the issue despite multiple contacts. On XX/XX/XXXX, I opened a XXXX XXXX XXXX checking account ( ending in XXXX ) at the XXXX XXXX with representative XXXX XXXX. No mention was made of integration with XXXX or any requirement to create a separate account. On XX/XX/XXXX, at XXXX AM, I logged into online banking, added XXXX XXXX as a vendor in the Payments and Invoicing section, and initiated an ePayment for {$2900.00} referencing Invoice XXXX, expecting a paper check to their address ( XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ). The funds debited on XX/XX/XXXX, as a 'Bank Charge ' labeled 'Payments and Invoicing payment to XXXX Corporation ; ID : XXXX. ' The system showed delivery on XX/XX/XXXX. XXXX has no record of receipt. Bank of America denied my claim ( Number XXXX ) on XX/XX/XXXX, claiming execution per instructions. Representatives stated the payment went through XXXX and that it is my responsibility to contact them, but I can not access XXXX as I never signed up. No paperwork or online disclosures mentioned XXXX. XXXX employees admitted issues with XXXX and that Bank of America is severing ties. Over XXXX hours spent on XXXX calls since XX/XX/XXXX yielded inconsistent stories, blame on me, and no trace details. An email sent XX/XX/XXXX received no response. My account shows the debit but no transfer activity or proof of delivery to any account. A similar {$800.00} ePayment on XX/XX/XXXX resulted in a paper check received promptly. This appears to violate consumer protections under Regulation E ( EFTA ) for electronic transfers and potentially FDUTPA for unfair practices. I request a full ACH trace, credit of {$2900.00} plus interest, compensation for time/aggravation, and investigation into unauthorized transfer to XXXX without my consent. Supporting documents attached. ''

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 2026-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: NC

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD 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 2026-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
On Monday XXXX XXXX, 2026 I purchased a XXXX XXXX gift card for {$50.00} through the Venmo app. It seemed a little buggy so I checked my back account and saw I was charged XXXX separate times for {$50.00} totaling {$150.00}. I waited until the transactions were no longer pending and had been charged to me to file a dispute. On XXXX XXXX, XXXX I filed a dispute letting them know of my triple charge case # XXXX XXXX On XX/XX/2026 i received an email saying my dispute was denied saying " This decision was made because your billing dispute doesn't match our qualification for a billing dispute. '' I immediately called and spoke to a man trying to get more information on why I was denied and why Venmo would not give my money back. He said they needed to speak with the recipient ( my wife ) in order to reverse the other XXXX transactions. He verified he could see there were three gift cards for {$50.00} that were sent. When my wife got home we both called Venmo and talked to another man that verified there was an issue with gift cards through Venmo. He said he was unable to reverse the charges, but assured me that once he appealed the denial of the dispute that I would receive my {$100.00} that I am owed. Today XXXX XXXX, 2026 I received another email from venmo saying my appeal was denied because " This decision was made because we found that you were only billed once for this transaction and there was no duplicate transaction. '' However, it has already been verified by their own support that they can see I was charged 3 times. At this point Venmo is committing fraud and I will not stop until I receive the money I am owed. I have spent so much time trying to get this corrected, but nobody at Venmo cares.

Company response to consumer: Closed with non-monetary relief