vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting and improper collection activity by RentDebt Automated Collections regarding an alleged debt of {$2600.00} related to a residential lease with XXXX XXXX XXXX for the property located at XXXX XXXX XXXX, XXXX, XXXX. The lease was lawfully terminated on XX/XX/XXXX due to documented mold, moisture, and habitability issues that materially affected my health. I provided written notice in compliance with Alabama landlord-tenant law, including a 14-day demand letter. The property conditions and my mold-related health concerns were documented through maintenance requests and medical evidence. Despite lawful termination, the collector is reporting a balance that includes rent charges assessed after XX/XX/XXXX. The ledger provided by the collector confirms that rent continued to accrue beyond the termination date. Additionally, the unit was re-listed for rent on XX/XX/XXXX, and the listing was removed on XX/XX/XXXX, indicating the property was re-rented or otherwise reoccupied. Under mitigation principles, a landlord may not collect rent from a former tenant for periods during which the property is re-rented. I formally requested debt validation in writing. The collector responded only with a copy of a lease signature page and a balance breakdown. They did not provide documentation demonstrating that the lease remained enforceable after XX/XX/XXXX, nor did they justify the inclusion of post termination rent in the reported balance. They also did not provide documentation establishing the assignment or authority to collect. This account continues to be reported to XXXX, XXXX, and XXXX as an open collection account, causing significant credit harm. The reported balance is inflated and inaccurate because it includes rent charged after lawful termination and after the property was re-marketed and re-rented. I am requesting that the CFPB require the company to : Correct or delete the inaccurate balance being reported Provide full documentation supporting the legal basis for any remaining charges Cease reporting any amounts that are not legally owed The continued reporting of rent beyond the termination date is improper and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting a fraudulent collection account ( # XXXXXXXX XXXX XXXX ) on my credit report for {$240.00} ( XXXX XXXX : XXXX XXXX ). On XX/XX/year>, I submitted a formal dispute through the credit bureaus ( XXXX XXXX XXXX : XXXX ). With that dispute, I provided a letter directly from the original creditor 's billing company ( XXXX XXXX ) proving that my final cancellation balance was legally set at only $ XXXX, the agreement provided by the collection agency is completely unsigned, and I never once used the facility. Therefore, they have no legally binding document bearing my signature or proof of facility usage that authorizes the collection of any late fees, collection costs, or inflated balances beyond the {$86.00} final cancellation amount. Despite being provided with this undeniable proof, Aldous XXXX XXXX failed to conduct a reasonable investigation. Instead, they willfully verified the false {$240.00} balance on XX/XX/year> ( as noted by the 'Date Updated ' on my dispute results generated on XX/XX/year> ). They also added the remark XXXX XXXX XXXX XXXX XXXX to mask their failure to correct the balance. Willfully verifying a provably false balance is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the immediate deletion of this inaccurate and unverified tradeline from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
PayPal said they received via AI a tracking number that does not exist from a tracking company that does not exist. That was our proof that the company was legitimate. It was not we along with another credit card company did an investigation found out the tracking company provided is fraudulent. The tracking number provided was fraudulent the company that was paid via using a verified real business went into business two days prior to the purchase made, and was shut down immediately after it was from another country the company we were purchasing from was a USA company that weve purchased before made contact with them said that they were notified there was a scam going on. The other credit card company through XXXX had verified all this information returned our money instantly as well as as my husband has all the Documentation proving it was a fraudulent company. PayPal insists its our banks job to return funds. Met with our bank management from the state. They paid a reputable company PayPal PayPals responsible because they paid an illegitimate company thats proven fraudulent. PayPal closed the complaint and refuses to reopen and do a proper investigation and return our money. Therefore they stole {$400.00} from us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 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: GA

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 instrument that created the debt. 4. Verification that you are licensed to collect debts in. If any of the above information is not available, please provide an explanation as to why. Additionally, I request that all collection activities cease until the requested verification is provided. This includes any communication related to the alleged debt or any reporting to credit bureaus. Failure to comply with this request may result in legal action.

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 2026-02-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
I financed a purchase through Affirm for a XXXX order ( Loan ID XXXX ) in the amount of {$83.00}. XXXX admitted in writing that I am owed a refund for this order. I returned the merchandise in good faith. Affirm acknowledged that XXXX admitted the refund is owed. During the time XXXX attempted to issue the refund, Affirm had frozen my account. Because of this account freeze, the refund attempt did not successfully process. Affirm has confirmed that the refund was attempted but failed. However, despite acknowledging that the merchant admitted the refund is owed and that the failed refund was connected to the account freeze, Affirm continues to hold me financially responsible for the {$83.00} balance and requires payment. Affirm has stated that unless XXXX releases the funds again, I will not receive the refund, yet I remain liable for payment. XXXX has since stopped responding to my communications. I believe it is unfair and improper for Affirm to require me to pay for merchandise that was returned and acknowledged as refundable, especially when the refund failed due to circumstances related to Affirms account freeze. I am requesting that Affirm immediately credit the {$83.00} balance, reverse any associated interest or fees, and confirm in writing that I am no longer liable for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Formal Complaint Refund Not Received Despite Confirmation I am submitting this complaint regarding a payment dispute where I have not received my rightful refund despite official confirmation. I placed an order through XXXX which was later cancelled. XXXX confirmed via email that a refund of {$1700.00} was processed back to my PayPal account. I have written proof of this refund confirmation. However, I did not receive the service or delivery associated with this payment. Despite the refund confirmation and lack of delivery, the amount has not been properly returned to me, and the dispute was closed in favor of the merchant. This situation has resulted in financial loss to me while the merchant retained funds without providing the agreed service. I request a full investigation into this matter and the immediate return of my refunded amount of {$1700.00} to my account. This issue has caused significant inconvenience and financial stress, and I expect a fair resolution based on the documented evidence. Attached are supporting documents including refund confirmation emails, transaction details, and proof of non-delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

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 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 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TapTap Send Inc.
State: VT

Complaint narrative:
On XX/XX/year>, I sent {$1900.00} to XXXX XXXX XXXX XXXX in XXXX via an app called Tap Tap Send. However, I wrongly indicated that the recipient was myself instead of XXXX XXXX Bank ( XXXX ) XXXX XXXX Special Account XXXX. Therefore, the money was not received by the intended recipient. Efforts to claim a refund by way of crediting my XXXX XXXX account where the money was debited, have been fruitless as TapTap company has not been cooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: PA

Complaint narrative:
I lost my phone. To receive money through XXXX XXXX on my laptop I need my debit card added to it. In adding my card to XXXX XXXX on my laptop, it prompts me to get verification and to call a number. That number just rings then gives a busy signal for 2 days. I called the support line and got an XXXX assist that says I can not add my card to XXXX XXXX on my laptop which is not true because I can go in my wallet on my laptop and add XXXX XXXX. I need my card added on my wallet in my laptop so I can receive money to help with my situation being that they don't have cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
There are collections accounts on my credit profile which portfolio close. The account stated nonmonetary relief closed, but would not remove the collections off of the account. I have sent a letter to their general attorney office and I have spoken with the XXXX credit bureaus and they are saying that portfolio needs to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase Bank , N.A . ( JPMCB ) To Whom It May Concern : I am writing regarding the above-referenced account, which was placed for collection and subsequently paid in full directly to JPMCB under a payment plan that your company offered. At the time of payment, I was informed that this account would be removed from my credit report upon completion of the agreed payment plan ( pay for delete ). I fulfilled my financial obligation as agreed. However, the account continues to be reported on my credit file, and I have not received the promised paid-to-delete confirmation letter. Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) ), furnishers of information have a legal duty to report accurate information to consumer reporting agencies. Continuing to report a collection account that was paid pursuant to an agreement for deletion may constitute inaccurate or misleading reporting. Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. XXXXe ), it is unlawful to use any false, deceptive, or misleading representation in connection with the collection of any debt, including misrepresenting the character or legal status of a debt. Because I upheld my end of the agreement, I am requesting that JPMCB : XXXX. Immediately delete this account from all credit reporting agencies to which it has been furnished ; and XXXX. Provide written confirmation that the deletion request has been submitted. If this matter is not corrected within XX/XX/XXXX days, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for failure to properly report and failure to honor the agreed terms. I expect a written response confirming resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 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: NC

Complaint narrative:
I settled with the original creditor. ( XXXX XXXXXXXX ) in XXXX of 2024 I was told the account was resolved. Portfolio Recovery Associates is now reporting a balance. I have called XXXX XXXX to request my final settlement documents and request final balance ( I was told it was {$0.00} when I originally settled account ). I have reported a dispute with XXXX and XXXX. I disagree with the account balance at Portfolio Recovery and would like to request documentation supporting the remaining amount and ongoing interest as well as deletion if they can not validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

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 ) XXXX, 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 XX/XX/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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: GA

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 ) XXXX, 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 XX/XX/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 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Set up electronic statements be emailed to avoid being charged. Received 1 statement and none ever since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
I am writing to formally dispute several unauthorized charges and report ongoing issues regarding my account. Since opening this account, I have experienced consistent technical failures with the online payment system. Despite my attempts to pay by phone, I have been charged multiple {$29.00} late fees due to internal processing errors between XXXX XXXX and Citibank. Furthermore, I am disputing the following unauthorized charges from XX/XX/year>, totaling {$730.00} : - {$160.00} ( Camera system ) - {$230.00} ( Camera system ) - {$190.00} ( Construction radio ) - {$130.00} ( XXXX ) I did not purchase these items, and I do not own a camera system or a construction radio. Although I filed a dispute on XX/XX/year>, and received an acknowledgment on XX/XX/XXXX, I was notified on XX/XX/XXXX that I was being held responsible. These amounts were subsequently added back to my statement in XX/XX/year>. Additionally, I discovered that two cards were issued in my name, though I only possess one. On my XX/XX/year>, statement, I identified further suspicious charges totaling {$950.00} for which no information could be provided. Most recently, a representative refused to speak with my attorney and accountant, even after I provided verbal authorization. These ongoing issues have prevented me from taking advantage of no-interest promotions. While I am hesitant to pay the balance in full as it may complicate the refund process, I am continuing to make payments to avoid negative impacts on my credit report. I am requesting a full investigation into these unauthorized charges, the removal of all associated late fees, and clarification regarding the second card issued in my name. I look forward to your immediate attention to this matter.

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 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested that NewRez remove/waive the escrow account for this loan so the borrower can pay property taxes and homeowners ( hazard ) insurance directly ( homeowners insurance is through XXXX ). After not receiving a status update or decision, we followed up on XX/XX/XXXX and were told to wait XXXX business days for review. We followed up again on XX/XX/XXXX and were told the request was still pending. We followed up again on XX/XX/XXXX and were again told to wait XXXX business days. As of today, NewRez has not provided a case/reference number, the date the request was opened, a clear current status beyond pending, or a firm completion/decision date. We have contacted NewRez through multiple channels ( chat, phone, and email ) and have been redirected between channels without resolution. I am requesting that NewRez : XXXX. Confirm whether escrow removal/waiver is eligible for this loan and provide the decision in writing XXXX. Provide the case/reference number and the date the request was opened XXXX. Provide a clear status and a firm completion/decision date XXXX. If additional documentation is required, specify exactly what is needed and where to send it NewRez has not provided any response in writing ; the only documentation we have is our sent email inquiries. Our XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX contacts were phone calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation