vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Debt collector failed to provide adequate validation and legal proof they have the authority to collect this specific debt. They legally can not collect a debt they can not validate 15U.S.C.1692e. 1692f.

I'm requesting 1.Original purchase agreement.

2. Any and all amendments to the purchase agreement.

3. The complete change of title showing How you acquired this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-01-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: United PanAm Financial Corp.
State: NJ

Complaint narrative:
Consumer Financial Protection Bureau Re : CFPB Case No. XXXX Consumer : XXXX XXXX XXXX XXXX I submit this statement to supplement and clarify my prior feedback and to add material information that directly rebuts the companys response. 

United Auto Credit Corporations characterization of my complaint as frivolous does not satisfy its obligations under federal consumer financial law and does not constitute a reasonable investigation. The repetition of unresolved issues does not invalidate a complaint. To the contrary, continued failure to substantiate or correct disputed information after multiple notices raises additional compliance concerns. 

XXXX  response does not address the merits of my allegations and relies instead on conclusory assertions. No documentation or evidentiary support was provided to demonstrate that the company conducted a reasonable investigation or that its actions and reporting are accurate and lawful. 

Additionally, XXXX has stated that the account was charged off. Under IRS regulations ( 26 C.F.R. 1.6050P-1 ), when a creditor cancels or discharges indebtedness of {$600.00} or more, the creditor is required to file IRS Form 1099-C and furnish a copy to the consumer. 

To date, XXXX has not clarified whether a Form 1099-C was issued in connection with the charge-off of this account. 

Accordingly, I request that XXXX be required to clearly state, with documentation, one of the following : 1. That an IRS Form 1099-C was issued, including the date of issuance, the amount reported, and confirmation of filing with the IRS ; or 2. That no Form 1099-C was issued, together with a substantive explanation of why the charged-off debt was not treated as canceled or discharged for federal tax reporting purposes.

This information is material to determining the legal status of the alleged debt and whether continued collection activity or reporting is permissible. A refusal to address these issues or to provide evidence is not consistent with CFPB oversight or consumer protection requirements. 

I respectfully request that the CFPB consider this supplemental statement as my operative position and require a substantive, evidence-based response from the company. 

Respectfully, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding improper force-placed flood insurance on my construction loan with TD Bank XXXX 

At the time TD Bank imposed flood insurance : No physical improvements existed on the property ( no slab, foundation, framing, or structure ). 
No construction draws had occurred. 
The collateral consisted solely of vacant land. 

Under federal flood insurance requirements ( XXXX ) and CFPB/Regulation X standards, mandatory flood insurance applies to insurable structures located in XXXX XXXX XXXX XXXX not to unimproved land. Because no building existed and no construction funds had been disbursed, there was no insurable interest or collateral exposure that would justify lender-placed flood insurance. 

Despite this, TD Bank force-placed flood insurance and charged substantial premiums. 

This appears to be an automated compliance error rather than a fact-based determination, as TD Bank had full visibility into : XXXX draw history Site condition Absence of any insurable improvements I am requesting : XXXX. Full reversal and refund of all force-placed flood insurance premiums and related fees assessed while the property remained unimproved. 
XXXX. Written explanation identifying the basis for imposing flood insurance prior to construction. 
XXXX. Copies of any inspections, photographs, or records TD relied upon to conclude that construction had commenced. 
XXXX. Identification of any loan provision TD believes authorizes flood insurance on vacant land. 

This charge was improper because flood insurance requirements do not apply to raw land, and TD Bank had no funded improvements at risk. 

I am requesting CFPB assistance to ensure prompt correction and reimbursement. 

As a direct result of TD Banks improper force-placed flood insurance, my account reflected an inflated balance, resulting in a reported late payment. TD Bank furnished this derogatory information to all three credit bureaus, resulting in a measurable decline in my credit score. 

Because the underlying charge itself was improper ( no improvements existed and no draws had occurred ), the resulting late payment reporting is also inaccurate. I am requesting not only a full refund of the force-placed flood insurance premiums and fees, but also complete deletion of any adverse credit reporting associated with this matter from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: MD

Complaint narrative:
I send money with western union from my account in XXXX XXXX  XXXX XXXX to XXXX XXXX XXXX XXXX on XX/XX/year> and western union XXXX  the amount from my bank but never get delivery to the final destination and i call them several time and thay tol me every time i call them something diferent and thay request diferent thing every time i call them plus thay start asking me to send them my personal infermatio thru email and i wasent felling save doing that so the hold my money for more the 4 days when the transfer supoust to ben in minutes, and all this couse me a big lost, because at the moment i am stock in XXXX XXXX with not XXXX XXXX i supous to pay my house with tha money and i couldent make it so i end up payin XXXX dollar late fee because of that and i end up borow it money from other person to get back to us because my flight got cancele because of the storm was impacting us at the moment of this complaint i still stock in XXXX XXXX i frustrairet plus my XXXX XXXX when higt becaus the XXXX thay coust me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding ongoing unauthorized recurring ACH debits from a merchant called XXXX XXXX XXXX ( XXXX, California ). 

I cancelled this gym membership years ago, yet the merchant continued to debit my checking account monthly without my authorization. When asked about this they stated the membership was never cancelled but a rate reduction was applied in 2019 however this rate change does not even reflect in the my account, because I am charged {$29.00} every month for years now. I did not consent to continued billing. 

When contacted, the merchant stated they do not have documentation proving that I did not cancel and claimed there is no owner or corporate contact. They were unable to provide a valid contract, authorization, or proof of an active membership. 

I contacted my bank to dispute the charges and requested a stop payment. I am concerned that the bank may limit the dispute solely based on transaction age rather than treating this as ongoing unauthorized recurring ACH activity, which is a separate category under consumer protection rules. 

I am requesting that my bank : Treat this as an unauthorized ACH debit investigation Ensure all future transactions from this merchant are permanently blocked Conduct a proper review of the recurring charges Provide written confirmation of dispute handling and resolution Continued debiting without proof of authorization constitutes unfair billing practices. I am requesting CFPB assistance to ensure my bank handles this matter appropriately and in compliance with federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AR

Complaint narrative:
CREDENCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCEis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.

Complaint narrative:
This is a new complaint about ongoing violations by Firstmark Services after my previous CFPB complaint # XXXX closed. 

Account XXXX was discharged for XXXX on XX/XX/XXXX, but Firstmark has not refunded payments made after my original TPD application ( XX/XX/XXXX ). 

Account XXXX remains denied despite identical evidence ( XXXX XXXX Benefit + XXXX XXXX  ), and Firstmark continues : - Collection calls- Payment demand emails- Delinquency notices- Negative credit reporting This violates FDCPA 1692g ( b ) ( continued collection after dispute ), ECOA ( national origin discrimination ), and ADA ( undue hardship ). They also fail to provide retroactive forbearance or consistent XXXX  treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In late XXXX, I contacted Citibank to close my account due to non-use except for one recurring XXXX bill. I requested an annual fee refund since it had just renewed, and was told both the closure and refund would be processed. During the call, I declined any new products although the agent pressed me to change no close the account. 

The following month, I received a late notice and discovered the XXXX bill had been charged, despite the account supposedly being closed. I immediately called Citibank. After speaking with an agent and paying the XXXX charge, I spent over an hour resolving the issue ; the account was finally closed, but fees were not removed. My written complaint yielded no result, and additional fees and interest have accrued. 
Currently, Citibank claims I owe : 1. {$99.00} renewal fee ( should not apply as the account was closed ) 2. {$100.00} in late fees for three months ( should not have accrued ) 3. {$23.00} interest ( resulting from disputed charges ) All these charges resulted from Citibank 's failure to close my account and refund the annual fee as promised.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: AR

Complaint narrative:
CREDENCE is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCEis a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: AL

Complaint narrative:
I.C. SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM 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 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Dear Midland credit Management I am disputing the accuracy and reporting of the following collection account : Midland Credit Management , Inc . Amount Reported : {$570.00} Original Creditor : XXXX XXXX XXXX XXXX  I previously requested validation of this alleged debt. In response, I was provided with a billing statement from XXXX XXXX XXXX XXXX XXXX. This documentation does not constitute proper verification of the account for the following reasons : The statement provided is not from Midland Credit Management and does not demonstrate that Midland owns or has been legally assigned this debt. No bill of sale, assignment agreement, or chain of title was provided showing transfer of the account from The Bank XXXX Missouri or XXXX XXXX XXXX Midland Credit Management. The amount reported on my credit file ( {$570.00} ) does not match the statement balance provided ( {$570.00} ), indicating inaccurate reporting. The account is reported as placed for collection and open, yet no documentation establishes the date of default, date of transfer, or authority to collect. No signed contract or agreement bearing my signature was provided. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), a debt collector must be able to verify both the existence of the debt and its legal right to collect and report it. Because this account has not been properly validated and is inaccurately reported, I am requesting that this collection account be deleted from my credit file. This letter is not an acknowledgment of liability, but a formal notice that this account is disputed. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: MO

Complaint narrative:
I am formally disputing this charge again and documenting that your investigation remains deficient. 

I did receive the bed frame only, but I did NOT receive the mattress or pillows included in the {$990.00} transaction. No mattress or pillows were delivered to my residence, no signed delivery receipt exists for those items, and I did not authorize anyone to accept them on my behalf. 

Your position that all merchandise was delivered is factually incorrect and unsupported by proof. A merchant claim alone does not satisfy your investigation obligations. 

By continuing to hold me responsible for undelivered goods, Goldman Sachs is : Failing to conduct a reasonable investigation under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ) Misrepresenting material facts related to billing Violating the Apple Card Cardholder Agreement, which requires proper investigation of disputes and correction of billing errors Engaging in unfair and deceptive practices under consumer protection laws Partial delivery of XXXX item does not authorize billing for items never received. 

Unless you can provide verifiable proof of delivery and acceptance specifically for the mattress and pillows, this portion of the charge must be permanently credited and any related negative reporting corrected. 

Please escalate this for supervisory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XX/XX/year> Transunion Credit Bureau Re : Identity Theft Request for Investigation and Removal of Fraudulent Accounts Identity IQ Report.

To Whom It May Concern, I am writing to dispute and request the immediate investigation and removal of fraudulent information appearing on my credit report. I am the victim of identity theft and the Transunion data breach which I did get a letter telling me my information was compromise, and the following accounts/inquiries do not belong to me. 
Fraudulent Items to Be Removed Creditor/Account Name : XXXX Account Number ( last 4 digits ) : XXXX Reason : Identity Theft Not Mine Creditor/Account Name : XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Reason : Identity Theft Not Mine Creditor/Account Name : XXXX XXXX ______________ Account Number ( last 4 digits ) : XXXX Reason : Identity Theft Not Mine Creditor/Account Name : XXXXXXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Reason : Identity Theft Not Mine Creditor/Account Name XXXX XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Reason : Identity Theft Not Mine These items were identified on my Identity XXXX credit report, and I have never opened, authorized, or benefited from these accounts. I also received a letter from the IRS ( XXXX ) that they needed to verify my identity due to suspicious activity on my tax return. I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ) and removal of all items confirmed as fraudulent. 
Included Documents I am attaching the following : Government issued ID ( Drivers License or State ID ) Requested Action Under FCRA regulations, I am requesting : 1.Removal of all fraudulent accounts and inquiries 2.Suppression of any information resulting from identity theft and data breach 3.Written confirmation of the investigation results 4.Updated copy of my corrected credit report Please process this request promptly as required by federal law. 
Thank you for your immediate attention. 
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 non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IN

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year>, I requested a refund for {$300.00}. Per XXXX, I should have received the refund within 1 - 5 business days. After 5 business days the refund was never received. I asked XXXX  to send the transaction info ( which they did ) and I sent it over to my financial institution. Their back office tracked the money using the info provided and concluded that the refund was never sent and never initiated. It has now been nearly a month and I still have not received the refund. Further, the customer service representatives are refusing to place the money into my XXXX  balance which would simplify the whole issue at hand.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation