vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
Company : XXXX XXXX XXXX Type : Collection agency Balance : {$160.00} Status : Placed for collection This means some original creditor says I owed {$160.00}, didnt get paid, and sent ( or sold ) the debt to this collection agency. Now its showing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Control, LLC
State: PA

Complaint narrative:
Sent letters to all debt companies that claim I owned an charged off balance. Date Issued : XXXX of 2025

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 2026-04-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: DC

Complaint narrative:
This is in response to additional information needed about my complaint XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX / Equifax / XXXX ] . I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. XXXX ( XXXX ), XXXX ( XXXX ), and XXXX v. XXXX ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. Accounts Still Inaccurate : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
My XXXX XXXX credit card was paid off in full in XXXX via wire transfer. They are stating that there was XXXX dollars of interest left over from that amount and due to not paying the {$4.00} it has now increased to {$85.00}.. Which makes no sense to me. I paid the credit card off in full, there should not be any interest left or associated with the account if you pay it off in full. I recently called and tried to have this issue resolved. I asked to be transferred to a higher up to try to resolve this issue, but she said that the account is correct and I needed to pay the {$12.00} in interest that has accrued since then. And that they would waive the late fees associated with it. She said, how would you like to pay this, I said I was not like to pay either of the fees because they are incorrect. She then said so you are refusing to pay this, and I said yes I want my account reviewed because this is incorrect, and then she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am disputing debt ( s ) allegedly purchased by Jefferson Capital Systems from XXXX. Despite XXXX formal requests for debt validation ( the most recent on XX/XX/XXXX ), the company has failed to provide any proof of purchase, usage, or the original agreement. Instead of validating the debt as required by FDCPA XXXX, the company attempted to negotiate a settlement for less than half the amount ( {$250.00} ). When I questioned the balance ( {$630.00} ), they claimed to 'find ' a second case, which is a duplicate of the first and concerns a purchase ( {$630.00} ) previously documented as faulty with the original seller. The original purchase was made XX/XX/XXXX for usage XX/XX/XXXX : I have archived tech support with XXXX of the original purchase not generating in the account, and I reached out to tech support on the matter. After having to make a second purchase for the same product, XXXX charged me for both, even though the first charge was never generated or used. I have archived chat documentation of the conversation about the faulty/duplicated charge. I originally called Jefferson Capita, LLC directly after receiving their dated XX/XX/XXXX notice to ask about debt information before the XX/XX/XXXX original negotiation date mentioned. I verified the email and mailing address to receive information. Debt notification dated XX/XX/XXXX came instead with an adjusted date of XX/XX/XXXX. After receiving this, I informed the representative ( XXXX ) of the previous request, where he then verified the same information. I have not received anything as of yet, still. Reference Numbers for each are as follows : XXXX ( which is the account they tried to negotiate ) and named XXXXXXXX XXXX XXXXXXXX while the second they " found '' was XXXX which is named XXXX XXXX XXXX I do not know what " XXXX XXXX XXXX '' is nor did I purchase it.I had 1 sole purchase made which when I told the XXXX I had already made payments on the orginal/used purchase he asked in what quatity. I affirmed to him the payments were divided equally at {$150.00}, this is when he proceeded to try to negotiate {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Validation of Debt Request - BULLCITY FINANCIAL 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 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery Associates , LLC has failed to respond to my prior complaint submitted to the Consumer Financial Protection Bureau in XX/XX/XXXX, as well as multiple direct email and written requests for correction. In XX/XX/XXXX, I received a written settlement agreement from XXXX XXXX XXXX XXXX XXXX, legal counsel for Portfolio Recovery Associates, confirming that they agreed to accept {$5000.00} as payment in full on a collection account with a balance of approximately {$5800.00}. This settlement amount was paid in full, and the payment has cleared my bank. Despite this, Portfolio Recovery Associates continues to report an outstanding and past due balance of approximately {$880.00} on my credit reports. I have disputed this inaccuracy with the credit bureaus and provided : The written settlement agreement confirming payment in full Proof of payment showing the {$5000.00} was paid and cleared As a result : XXXX deleted the account entirely after reviewing my documentation XXXX continues to report the {$880.00} balance and states the information has been verified as accurate This demonstrates that Portfolio Recovery Associates is continuing to furnish inaccurate information to at least XXXX credit bureau despite clear documentation that the account has been settled in full. This conduct violates the Fair Credit Reporting Act, including : 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation after receiving notice of a dispute 15 U.S.C. 1681s-2 ( a ) : Furnishing inaccurate information Portfolio Recovery Associates has been given multiple opportunities to correct this issue and has failed to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I hold a Capital One credit card with a {$400.00} limit, and my wife is also an authorized user. The last XXXX digits of my card are XXXX, and my wifes card ends in XXXX. On XX/XX/XXXX, we experienced the first fraudulent transaction on my wifes card, amounting to {$110.00}. Another fraudulent charge was made on a card ending in XXXX for {$110.00}, followed by another charge of {$29.00} on the same card ending in XXXX. Another fraudulent charge of {$33.00} occurred on my wifes card ending in XXXX. I reported these charges the same day, and Capital One refunded the {$33.00} and {$110.00} charges. They also stopped my wifes card, and I locked both my card and my wifes card from my end. Despite these measures, fraudulent transactions continued on the card ending in XXXX card I never possessed. After my wifes card was stopped, Capital One sent a new card around XX/XX/XXXX or XXXX, which also ended in XXXX, even though fraudulent transactions had already occurred on that number. Additional fraudulent charges on XX/XX/XXXX included {$31.00}, {$60.00}, and {$34.00}, plus additional fraudulent charges on a different card ending in XXXX for {$24.00} and {$33.00}. I reported these charges again, emphasizing that both my card and my wifes card were locked, and that I never received the card ending in XXXX. Capital One told me it would take XXXX to XXXX business days to resolve and refund the charges, but no refund has been issued. As a result, my balance has increased to {$370.00}, even though my original balance before the first fraud was only {$49.00} and I havent used the card since. Ive waited for a resolution, but none has been provided, and my credit score has dropped from XXXX to XXXX because of these unresolved issues. When I call Capital One, they insist the transactions were made by an authorized user, which is not the case. I believe Capital One is responsible for this fraud. I am requesting an immediate solution and appropriate action against Capital One to prevent such fraud from happening to other consumers. I worked hard to build my credit score, and it is now being negatively affected. I urgently seek resolution so I can restore my credit score. Thank you. '' Let me know if you'd like to add or adjust anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: MN

Complaint narrative:
Section ( 609 ) this latter is formal complaint that you are reporting inaccurate and incomplete credit information according to the fair credit reporting act section 6.09.a1.a you are required to by federal law to verify through physical verification of the original signed contract any and all account that you post a credit report otherwise anyone paying you for your debt is probably fraudulent I demand to see a verified proof IF YOU FAIL TO VALIDATE REMOVE IT IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
Hello, This is a follow-up regarding my debt validation request originally submitted on XX/XX/year>. As stated before, I am requesting full proof that this alleged account is connected to me. I have already provided the account number associated with the file. That account number already has a name attached to it in your system, and it is your responsibilitynot mineto identify the account holder. I will not be providing another individuals name. Under the Fair Debt Collection Practices Act ( FDCPA ), you have 30 days from my original request to provide proper validation. This includes documentation proving that I personally opened or am legally responsible for this account. You must conduct your own independent research to verify the debt. Please provide : The original signed contract or application Any statements or records showing my name and identifying information Any documents directly linking me to this account Do not close this claim until you have provided the required proof or a clear explanation supported by documentation. If you can not validate the debt or fail to remove any reporting connected to this account, I will pursue legal action for failure to comply with federal law. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: WA

Complaint narrative:
PayPal XX/XX/year> Amount : {$48.00} I purchased XXXX XXXXXXXX. Was charged a fee for the purchase. When I attempted to transfer my litecoin to another exchange platform that permits trading, PayPal blocked the transaction. Live CS agent gives a Generic explanation of an alleged security threat and to wait XXXX for no sure resolution. My response : " Ok fine. I don't want to use your services anymore I will now be selling my XXXX back ( at a fee ) and withdrawing my funds to the linked verified bank I just used to purchase them with. '' Anonymous PayPal CS representative responds with the exact same robotic excuse for why I couldn't not transfer the XXXX I owned outright as to why I now can not take my own money back outnof their custody due to my dissatisfaction with their product and service. This company is continuously committing false advertising, fraud and theft by claiming to broker the purchase and sale of XXXX however after payment they hold the assets and repeatedly cite security concerns where there are none. This enables them to profit in the market from the held assets before releasing them back to the customer while the consumer can not take advantage of the market nor recover their assets without a chain of fees designed to siphon customers funds. Attempts to transfer my money out to my personal, linked and verified bank account card are currently being rejected. They in effect have stolen my money and refuse to return it less the fees they already took for false advertising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 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: OH

Complaint narrative:
NOTICE OF UNIFORM IDENTIFICATION FAILURE - 12 CFR 1022.42 I am notifying the CFPB of a systemic data integrity failure by Portfolio Recovery Associates. A technical audit of my XX/XX/year>, credit files reveals that PRA is reporting conflicting account identifiers for the same alleged debt : Account # XXXX ( XXXX ) vs. Account # XXXX ( XXXX ). Furthermore, PRA has failed to provide consistent data in Base Segment Field XXXX ( Original Creditor Name ), leaving the field blank on XXXX while populating it on XXXX These inconsistencies prove that PRAs internal bookkeeping is unaligned and lacks the 'integrity ' required by federal law. Because the furnisher can not provide a singular, accurate, and non-contradictory data set across the repositories, the data is inherently unverifiable. I demand the immediate deletion of all PRA tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
XXXX XXXX XXXX My name is XXXX XXXX. I started filing for unemployment benefits recently but never finished the application. I received a way2go card thru the mail so I called the card company and found out that deposits were made to me back in 2020 in the amount of {$23000.00} when I had filed in that year also that withdrawals had been made at different locations. I wasn't even aware that I had been approved in that year or had received a card because soon after filing I got incarcerated. I then called XXXX and filed a dispute I never got a letter or anything from XXXX stating that I was approved and Shortly after I was incarcerated. I want this to be investigated so the money can be returned to me and I can prosecute whoever used the card without my knowledge.I have sent the police report in a separate email if you have any questions or concerns please feel free to contact me at XXXX Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am filing this complaint against Citibank , N.A . regarding its failure to properly investigate and resolve unauthorized charges on my credit card account in violation of federal law. Nature of the Complaint This complaint is not about the merchant, but about Citibanks handling of my billing dispute and unauthorized transaction claim. Citibank has failed to comply with its obligations under : Fair Credit Billing Act ( 15 U.S.C. 1666 ) Regulation Z ( 12 C.F.R. 1026.13 ) Background Two charges totaling {$2100.00} appeared on my Citi AAdvantage credit card account. I reported these charges to Citibank as unauthorized transactions. There was : No signed agreement No authorization No services provided No benefit received Citibanks Failures Despite receiving my written dispute, Citibank : 1. Failed to conduct a reasonable investigation 2. Failed to provide any evidence of authorization 3. Improperly required me to obtain documentation from the merchant 4. Relied on unsupported merchant claims instead of verifying authorization 5. Refused to fully correct the account despite lack of evidence Citibank has not produced : Any signed authorization Any transaction verification Any proof that I approved these charges Improper Handling of Dispute Citibank is treating this matter as a standard billing dispute, while failing to apply the required standard for unauthorized transactions.

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 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo is in violation of XXXX XXXX standards and FCRA 623 due to : Inconsistent DOFD reporting Inconsistent payment history reporting Inconsistent status codes Unsupported validation claims Failure to provide documentation Failure to conduct reasonable investigations Illegal reinsertion ( Wells Fargo ) Contradictory statements within their own letters Contradictory data across CRAs Badfaith, templatebased responses Failure to correct inaccurate information across all CRAs Failure to maintain accurate XXXX XXXX furnishing records

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 2026-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
To Whom It May Concern, I am disputing the accuracy and completeness of the account reported by Credit Acceptance Corporation. This account reflects a voluntary repossession. The vehicle associated with this account was sold in or around XXXX 2025, and I have documentation supporting this. Despite this, the account is currently being reported as ACTIVE with ongoing 120+ day delinquencies for months following the sale, including XXXX through XXXX. This is inaccurate and misleading. Once the vehicle was repossessed and sold, the account should no longer be reported as an active, delinquent account. Instead, it should reflect its true status, such as repossession and/or charge-off, with the appropriate balance after the sale. I am requesting a full investigation into the accuracy and completeness of this reporting. Please update the account to reflect the correct status or remove it entirely if it can not be properly verified. I have attached documentation supporting the sale of the vehicle. Sincerely, XXXX XXXX

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 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year> at approximately XXXX XXXX, I visited the Capital One XXXX located at XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX. After purchasing a drink, I attempted to find seating to work. The first floor was fully occupied, and there did not appear to be any system in place to prioritize seating for paying customers, so I proceeded to the second floor. While upstairs, I briefly approached an area with open desks to determine whether seating was available. There was no visible signage indicating that the area was restricted or designated for banking only. At that point, a Branch Ambassador called out loudly from across the floor and stated that the area was for banking only. Despite my compliance and explanation that I was simply looking for a place to work, the employee raised her voice in an aggressive and unprofessional manner. Following the incident, I reported the interaction to staff at the location, and the incident was documented by a XXXX ambassador. On XX/XX/year>, I submitted a formal complaint to Capital One via email. I also sent a written complaint via certified mail to Capital One headquarters, which was delivered and signed for. I subsequently sent follow-up and escalation emails on XX/XX/year> and XX/XX/year>. Despite these multiple attempts, I have received no acknowledgment or response from Capital One. I am seeking a formal response to my complaint, confirmation that the incident has been reviewed, and assurance that appropriate action will be taken to address the conduct described above.

Company response to consumer: Closed with explanation