vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting and/or collection of the above-referenced account. This letter serves as a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following documentation : XXXX. Proof that Portfolio Recovery Associates legally owns this debt or has been assigned the authority to collect it. 
XXXX. Documentation showing the transfer or sale of the account from XXXX XXXX, XXXX. to Portfolio Recovery Associates. 
XXXX. A copy of the original signed credit agreement or application bearing my signature. 
XXXX. An itemized statement explaining how the alleged balance of {$290.00} was calculated, including any interest, fees, or charges. 
XXXX. Proof that I am legally obligated to pay this debt. 
XXXX. Proof that your company is licensed and authorized to collect debts in my state. 
XXXX. Verification that the statute of limitations for this alleged debt has not expired. 

Until proper validation is provided, you must cease all collection activity, including reporting or verifying this account with any consumer reporting agency. Any continued reporting without validation constitutes inaccurate reporting. 

This letter is not an acknowledgment of liability for the alleged debt. 

Please respond in writing as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
During yearly escrow analysis performed by my mortgage compand ( Mr Cooper / XXXXXXXX XXXX ), they showed I had a surplus of {$2300.00}. I initially received this analysis via mail in XX/XX/XXXX, which stated a surplus check should have been sent in XXXX of XXXX, however, I never received that check. 

I called Mr Cooper on XX/XX/XXXX, explaining the situation. They explained that they would re-issue the check after approving with supervisor, and that I should expect the check in XXXX business days. 

I never received the check, and called again on XX/XX/XXXX. They indicated that the full XXXX buesiness days hadn't elapsed, and I should continue to wait. 

I called again on XX/XX/XXXX. They stated that the check had been sent out sometime near the middle of XXXX ( I forget date, I think they said XX/XX/XXXX ), and that it would be XXXX business days from this data, not including holidays. This was inconsistent with XXXX call which said XXXX days would start at that date. 

I never received the check, and called again on XX/XX/XXXX. They said a process had never been initiated to re-issue the check, and essentially said the same thing that was told to me on XXXX. They explained that they would re-issue the check after approving with supervisor, and that I should expect the check in XXXX business days. 

I submitted this complaint immediately after this call, as I've lost faith that they are taking my requests seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/year>, I filed a dispute with Bank of America regarding a {$2200.00} debit card transaction to XXXX. The merchant initially shipped the product but then * * automatically recalled the shipment * *, falsely claiming that my payment was unsuccessful, even though my debit card was charged successfully. This constitutes a * * fraudulent misrepresentation by the merchant * *, as they intentionally provided false information and refused to deliver the product I purchased. 

I contacted BOA customer service multiple times, including requesting escalation to a manager. The bank repeatedly stated that my claim does not meet fraud criteria and * * refused to provide temporary credit * * while waiting for the merchant response. As of today, the dispute has not been resolved, causing financial inconvenience and potential loss. 

I have submitted a complaint to the Georgia Consumer Protection Division and provided BOA with all relevant evidence, including transaction records, merchant communications, and proof that the payment was successful. According to * * Regulation E ( Electronic Fund Transfer Act ) * *, BOA is required to investigate disputed transactions and may be liable if they fail to provide provisional credit in a timely manner. Despite this, BOA continues to delay resolution without providing a temporary credit. 

I request CFPB assistance to compel Bank of America to provide * * temporary credit for the disputed amount immediately * * and resolve this dispute promptly, taking into account the merchants fraudulent behavior.

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 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the accuracy, completeness, and legal reporting of the following account appearing on my consumer credit report : Creditor : XXXX XXXX XXXX Original Creditor : XXXX  XXXX, XXXX. 
Account Number : XXXX Balance Reported : {$2400.00} Status : Collection Account This account is disputed in its entirety. I am requesting a strict Method of Verification pursuant to the Fair Credit Reporting Act, including 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I am not requesting assumptions, summaries, or boilerplate responses. 

To fully comply with federal law, you must provide all of the following : A copy of the original signed contract or application creating the alleged obligation If the account was opened electronically, documentation showing : The method of online application IP address Date and time of submission Authentication or identity verification procedures used If the account was opened in person, documentation identifying : The physical location The individual or entity that processed the application A complete account history from origination through charge-off, showing how the balance was calculated A complete chain of title, including : The bill of sale Assignment agreements Proof of lawful transfer from XXXX  XXXX, XXXX. to XXXX XXXX XXXX The name, address, and contact information of the person or entity that verified the account The specific documents reviewed during verification The date and manner in which the verification was conducted For clarity and to prevent improper responses : I am not asserting identity theft I am not admitting ownership of this account I am requesting validation and verification only I am not using a third party or credit repair organization Whether I use a third party is irrelevant and not a permissible basis to deny or delay verification I have previously received frivolous and non-responsive form letters, including : Generic statements that the account was verified Improper inquiries into third-party representation Identity-theft language that I did not request Such responses do not satisfy the Fair Credit Reporting Act. 

If you can not produce the documentation listed above, then this account is unverifiable as a matter of law and must be deleted immediately from my credit file. Continued reporting without proper verification constitutes inaccurate reporting and willful noncompliance. 

Please provide written confirmation of deletion or full verification within the statutory timeframe.

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 2026-01-14 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: DISCOVER BANK
State: FL

Complaint narrative:
I ordered a XXXX XXXX with extra XXXX, chicken, onions, mushrooms, and green peppers. Initially, XXXX 's prepared the order wrong without telling me and kept me waiting over XXXX minutes. They forgot to put the XXXX on completely and gave the pizza that was a mistake to the employees when there was a sign that said do not feed the employees. They broke their own posted rule and that's a conflict of interest and poor customer service. The pizza that was remade had just regular XXXX not what I ordered. It was returned. The assistant manager threw it away and remade it again with regular XXXX rather than let me keep the pizza that was made as a mistake. So the error was compounded on XXXX end and there was an unreasonable inconvenience and time commitment on my end. Not only did I reach out with the merchant to resolve the issue. I went XXXX step further to escalate both of my complaints to corporate without any proper resolution. I received service, but it was poor and not as expected in both the unreasonable time delay in my order initially, violation of their own rules, and continued inaccuracy of my order by first missing an ordered topping and XXXX keeping it for themselves, then putting just a regular amount of XXXX on when extra was ordered. The food quality and service was highly unsatisfactory. With the supported documentation regardless of Domino 's claim that I received service ( no matter how poor it was ), I shouldn't be held liable or responsible for a charge where I didn't get what I ordered and they failed to meet their delivery time standards posted on the XXXX  's website something completely preventable if my order was processed accurately to begin with and they didn't scimp out on the XXXX with the reorder. Very bad service. For a combination of multiple issues with my order and poor service that resulted in my dissatisfaction, I should legally be eligible for a full refund under customer satisfaction and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX, XXXX fraudulent wire transfers went through our Citibank business account. Neither my partner, nor I were contacted. In XXXX years with Citibank, our only wire transfer was our rent which we discontinued in XXXX. Citibank allowed all the transfers to go through, netting approximately {$94000.00}. No fraud alerts were given by Citibank. When we contacted Citibank, they said they would investigate. We never heard back from them. All phone numbers we were given were incorrect. We were continuously told that we had contacted the wrong department. We contacted them again in XXXX of XXXX and we were told that the investigation was ongoing. We were told that the funds of XXXX of the transfers had been withdrawn and that a third had been contacted and Citibank said that the party refused to return the money. In XXXX, we finally got through to someone who informed us that our claim had been denied back in XXXX. Citibank claimed that the breach had come from XXXX of our devices. We have never been hacked and again we were never contacted by Citibank to inform us of any unusual activity on our account. We never received any notification. We asked after many hours and department transfers that the cases be reopened and escalated. In XXXX, we received a letter stating that no new information had been found in their " investigation '' and, therefore, our claims were again denied. This is more that XXXX of our working capital. We feel that Citibank has not taken our claims seriously and has not provided us with any protection or recourse. We feel that they are at fault and should have reimbursed all or part of our losses.

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 2026-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I am formally disputing MOHELAs response to my complaint, as it contains inaccurate information and directly contradicts statements made by both MOHELA representatives and the U.S. Department of the Treasury. 

MOHELA claims that a previously issued refund check was returned and that the funds are now being applied to my existing loan account. I did not authorize this, and I am explicitly rejecting any attempt to apply my refund to my loan balance. My account is in good standing, and the refund is legally owed to me, not to my loan. 

To clarify the facts : MOHELA customer service informed me that a check was supposedly reissued on XX/XX/XXXX I contacted the U.S. Department of the Treasury, who confirmed that no check has been issued, reissued, or received for processing, including on or after XX/XX/XXXX A separate MOHELA representative stated they do not see any indication that funds are being applied to my loan and confirmed the refund should be sent directly to me I have still been given no tracking number, no payment confirmation, and no timeframe These conflicting statements indicate a serious breakdown in MOHELAs refund processing and recordkeeping. At present, there is no evidence that a refund exists in Treasury systems, despite MOHELAs claim that one has been reissued. 

I am formally demanding : Written confirmation that no portion of my refund will be applied to my loan account Written confirmation of the refund amount owed Confirmation of the refund method ( paper check mailed directly to me ) Verifiable proof of issuance ( Treasury reference number or check number ) A concrete payment date Until these items are provided, MOHELAs response should be considered unresolved and inaccurate. My next stage will involve me seeking legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
In XXXX, Jefferson Capital Systems , LLC began contacting me regarding an alleged XXXX account they claimed originated in XX/XX/XXXX. I disputed the account and informed the company that the debt was not mine. 

In XXXX, Jefferson Capital Systems , LLC furnished this alleged debt to consumer reporting agencies, and the collection account appeared on my consumer credit reports. I formally disputed the account, and following the investigation process, the collection account was removed from my consumer credit reports in XX/XX/XXXX. 

In XX/XX/XXXX, I closed on a newly constructed residential home. The removal of this collection account occurred prior to my mortgage closing. 

Despite the prior dispute and deletion, in XX/XX/XXXX, Jefferson Capital Systems , LLC resumed collection activity by sending written correspondence regarding the same alleged debt. This correspondence was sent to my new residential address, which I had only recently occupied, indicating continued efforts to locate and contact me regarding a matter that had already been resolved. 

The XX/XX/XXXX correspondence included renewed collection attempts and threatening language despite the prior dispute, investigation, and deletion of the account. No new or materially different documentation was provided to establish that I am legally responsible for the alleged debt. 

Upon receiving the XX/XX/XXXX letter, I again notified Jefferson Capital Systems , LLC in writing that the account was not mine, that it had previously been disputed and deleted, and that continued collection activity is improper. I requested that all collection efforts cease and that my personal information be removed from their internal systems. 

Despite these facts, Jefferson Capital Systems , LLC has resumed attempts to collect and threaten action on a debt that was previously determined to be inaccurate and not owed, requiring additional time and effort to address a matter that had already been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
-- - A collection account for {$780.00} is being reported inaccurately on my XXXX credit report by Portfolio Recovery Associates. The account is showing multiple inconsistencies and reporting errors. 

The Date of First Delinquency is listed as XX/XX/year>, but the account is reported as opened on XX/XX/year>. This is not possible and indicates the account may have been reaged, which violates the Fair Credit Reporting Act. 

The account is coded with multiple contradictory dispute codes, including consumer disputes reinvestigation in process and consumer disputes after resolution, even though no updated investigation results were provided. The account also shows a high credit of {$780.00}, which is not valid for a debt buyer account. 

The payment history includes codes for late payments, chargeoff, and even bankruptcy, none of which apply to this account. The balance remains the same every month, no payments were ever made, and the account is marked as closed while still reporting a balance. These issues violate accuracy and completeness requirements and do not align with XXXX XXXX reporting standards. 

I am requesting that XXXX  and Portfolio Recovery Associates conduct a full investigation and correct all inaccurate information. If the companies can not verify the account with complete and accurate data, I am requesting that it be deleted from my credit report. I am also requesting written confirmation of the results of the investigation. 

-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc.
State: AL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Subject : Formal Rebuttal of Fraud Claim Denial Account Takeover & Identity Theft I am writing to formally rebut PayPals denial of my fraud claim related to unauthorized transactions processed through my PayPal account. 
I did not authorize, initiate, or participate in the origination or approval of the disputed transactions, nor did I receive any benefit from them. These transactions were the direct result of an account takeover caused by a phishing attack, and therefore constitute identity theft and electronic fraud, not authorized account activity. 
On XX/XX/XXXX, my credentials were compromised after I was socially engineered through a spoofed email impersonating XXXX. That email redirected me to a fraudulent PayPal look-alike website. Upon unknowingly entering my credentials, my PayPal account was immediately taken over by a third party, who initiated multiple unauthorized payments to unknown recipients. 
The following unauthorized transactions were attempted as part of this account takeover, totaling {$9100.00} : {$5600.00} {$1500.00} {$980.00} {$980.00} My bank independently identified this activity as fraudulent and blocked the transactions in real time. Despite this, PayPal has denied my fraud claim and is attempting to assign financial liability to me, the victim. 
I am formally invoking my rights under the Electronic Funds Transfer Act ( EFTA ) and applicable Consumer Financial Protection Bureau regulations, which protect consumers from liability for unauthorized electronic fund transfers resulting from fraud or identity theft. This activity does not meet the definition of authorized use. 
To support this claim : An FTC Identity Theft Report has been filed A police report has been filed with my local law enforcement agency My financial institution has confirmed the activity as fraud Given the documented account takeover, PayPals decision to deny this claim is inconsistent with consumer protection standards and established fraud definitions. 
I am requesting the following corrective actions : 1. Immediate reversal of PayPals denial decision 2. Written confirmation that I bear no financial responsibility for these unauthorized transactions 3. Removal of any balance, negative standing, or collection activity associated with this incident This matter has been formally escalated and documented with regulatory authorities.

CC : Pennsylvania Attorney General Department of Consumer Protection Consumer Financial Protection Bureau Please provide a written response confirming resolution of this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief