vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
XXXX, I initiated a bank-to-bank ACH transfer from XXXX XXXX to HSBC XXXX XXXX, received email from HSBC saying the transdsaction did not go through and funds would be returned to XXXX within 3-5 days. XXXX, contacted HSBC because the transfer request for the funds appeared under " manual '' status in the HSBC transfer page and funds had not been redeposited into XXXX. Was told to wait until XX/XX/XXXX, give it two full weeks. Nothing happened. XXXX, called again -- HSBC and XXXX. XXXX said they would send me a form within 24 hours to complete in order to start the investigation, which would take 30-90 days. I did not receive the form and called again on XX/XX/XXXX and XXXX told me that they had all the information they needed. XXXX, the XXXX XXXX form showed up in my email, and I submitted it on XXXX. I contacted HSBC multiple times, this week on XX/XX/XXXX, XXXX, and XXXX. My HSBC contact told me they had lodged an internal complaint because they could not get a response from HSBC, their own bank. Meanwhile, I have not had access to my funds since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX RE : Formal Complaint Unverified Collection Accounts & Demand for Immediate Deletion To Whom It May Concern, I am submitting this formal complaint regarding multiple collection accounts being reported on my credit file that are inaccurate, unverified, and in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts I am disputing are as follows : * Exeter Finance LLC * XXXX XXXX XXXX XXXX {$160.00} * XXXX XXXX XXXX XXXX {$1500.00} * XXXX XXXX XXXX XXXX {$1100.00} I have serious concerns regarding the accuracy and validity of these accounts. Despite prior disputes, these accounts continue to be reported without proper verification or supporting documentation. The reporting of these accounts raises the following issues : * Failure to provide proper debt validation as required under the FDCPA * Lack of evidence showing I have a legal obligation to pay these alleged debts * No proof of assignment or ownership of the debt from the original creditor * Incomplete or inaccurate account information, including balances and dates * Continued reporting after disputes without a reasonable investigation * Potential identity discrepancies given the presence of a fraud alert on my credit file Under federal law, any information reported must be accurate, complete, and verifiable. If these collection agencies can not provide proper documentation including original signed agreements, full account history, and proof of lawful assignment these accounts must be deleted. At this time, I am formally requesting : 1. Full validation of each account listed above, including : * Original signed contract or agreement * Complete payment history * Documentation proving ownership or assignment of the debt 2. The method of verification used in any prior investigations 3. Immediate deletion of any account that can not be properly verified 4. Removal of all associated negative reporting, including balances and collection status Please be advised that continued reporting of unverified or inaccurate information constitutes a violation of federal law. Failure to comply will result in further escalation, including additional regulatory complaints and potential legal action. Due to the seriousness of these violations, I am requesting expedited handling of this complaint. I expect written confirmation of the results of your investigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX [ XXXX ] ( XXXX : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: Sparrow Financial, Inc.
State: MN

Complaint narrative:
I am submitting a complaint regarding inaccurate credit reporting by Sparrow Financial Inc. This account was included in my bankruptcy and discharged. However, it is currently being reported with an Unknown account status and reflects continued late payments and charge-off activity after the bankruptcy discharge date. This is incorrect and misleading. Accounts included in bankruptcy should be reported as Included in Bankruptcy or Discharged in Bankruptcy with a {$0.00} balance. They should not reflect ongoing delinquency or continued negative activity after discharge. The current reporting misrepresents the status of this account and is negatively impacting my credit profile. I request that this account be corrected to accurately reflect its inclusion in bankruptcy and that all inaccurate post-discharge activity be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RentDebt Automated Collections, LLC
State: OH

Complaint narrative:
I called to settle the debt know I shouldn't owe what they're trying to charge me. I asked for a copy of the charges and was told it takes 3-5 business days to get an email which I questioned. I asked why I didnt get the original notice with the charges and was told we sent it take it up with the postal service its not our fault if you dont get the notices. The only reason I knew the debt existed is because its on my credit report. This company was sued for charging people for things that dont owe. They're known for bogus charges after people move out of their properties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Date : XX/XX/2026 Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Complaint Unverified Collection Accounts & Demand for Immediate Deletion To Whom It May Concern, I am submitting this formal complaint regarding multiple collection accounts being reported on my credit file that are inaccurate, unverified, and in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} * Jefferson Capital Systems LLC {$1500.00} * Jefferson Capital Systems LLC {$1100.00} I have serious concerns regarding the accuracy and validity of these accounts. Despite prior disputes, these accounts continue to be reported without proper verification or supporting documentation. The reporting of these accounts raises the following issues : * Failure to provide proper debt validation as required under the FDCPA * Lack of evidence showing I have a legal obligation to pay these alleged debts * No proof of assignment or ownership of the debt from the original creditor * Incomplete or inaccurate account information, including balances and dates * Continued reporting after disputes without a reasonable investigation * Potential identity discrepancies given the presence of a fraud alert on my credit file Under federal law, any information reported must be accurate, complete, and verifiable. If these collection agencies can not provide proper documentation including original signed agreements, full account history, and proof of lawful assignment these accounts must be deleted. At this time, I am formally requesting : 1. Full validation of each account listed above, including : * Original signed contract or agreement * Complete payment history * Documentation proving ownership or assignment of the debt 2. The method of verification used in any prior investigations 3. Immediate deletion of any account that can not be properly verified 4. Removal of all associated negative reporting, including balances and collection status Please be advised that continued reporting of unverified or inaccurate information constitutes a violation of federal law. Failure to comply will result in further escalation, including additional regulatory complaints and potential legal action. Due to the seriousness of these violations, I am requesting expedited handling of this complaint. I expect written confirmation of the results of your investigation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] ( mailto : XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was informed by cash app my account is closed due to violating their terms. I reached out and submitted an appeal. I never heard back form anyone. I called back again to follow up. They informed my my appeal was denied. There is nothing i can do or speak to anyone. Only solution provided was to get a new phone number and email. Which is really unfair for not knowing what was done or if it is a mistake or misunderstanding. I want to file this complaint to report the company as they have horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
I received a call on my phone beginning XX/XX/year> with a representative ( XXXX phone number of XXXX ) from Radius Global Solutions. He was claiming that I was 120 days delinquent on a medical bill payment of {$820.00} to XXXX XXXX XXXX XXXX XXXX and he demanded I pay in full or set up payments. I asked for any paperwork to show a billing or invoice because I had not received such a bill in the mail or in an email. He said I was sent several bills ( did not receive any bills! ). XXXX gave a client reference # XXXX. I did not engage with XXXX because he could not produce any invoice or billing to me, so I considered a scam!

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 2026-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Great American Finance Co
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX UNIT XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am submitting a complaint regarding PayPals permanent deactivation of my account and the holding of my funds. On XX/XX/year>, my mother sent me {$200.00} for personal support. Shortly after that, XXXX and XXXX charges were processed through my PayPal-linked payment method, reducing my balance to approximately {$55.00}. I contacted PayPal to dispute how those payments were funded and to request help. Instead of resolving the issue, PayPal permanently deactivated my account, gave only vague statements about risk or unusual activity, and refused to provide a specific explanation. I was told the decision can not be overturned and that my funds may be held for up to 120 days. I am requesting : 1. A specific written explanation for the permanent limitation 2. Confirmation of the exact funds being held 3. Release of my remaining funds as soon as legally permitted 4. Preservation and review of all account notes, chat logs, and transaction records related to this decision

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Central Holdings, LLC
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX DC XXXX Subject : Complaint Against Credit Central Account # XXXX Balance {$1300.00} To Whom It May Concern, I am submitting this complaint against Credit Central regarding Account Number XXXX, with a reported balance of {$1300.00}. I am formally disputing this account and requesting a full investigation into its validity and reporting. Credit Central has failed to provide adequate verification of this alleged debt as required under federal law, including but not limited to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and applicable consumer protection laws. Despite my requests, I have not received proper documentation proving that : I have a contractual obligation with Credit Central, The amount claimed is accurate and complete, or Credit Central has the legal right to collect on this account. Additionally, if this account is being reported to any credit reporting agencies, I request that it be immediately removed if it can not be properly verified in compliance with XXXX XXXX reporting standards and federal law. I am requesting the following actions : 1. A complete investigation into this matter, 2. Validation of the alleged debt with supporting documentation, 3. Immediate removal of the account from my credit report if verification can not be provided, 4. Cessation of any collection efforts until this matter is resolved. Failure to comply with these requests may constitute violations of federal law, and I am prepared to pursue further legal remedies if necessary. Please provide a written response detailing the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
In XXXX of XXXX I got a notification on my credit report about an account with LVNV that apparently was being reported since XXXX of XXXX. I never received a notice, no do I believe this account belongs to me because I never received my request for verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Global Credit & Collection Corporation
State: SD

Complaint narrative:
I am being contacted by a debt collection agency regarding an alleged XXXX account involving multiple rent-to-own items. I experienced financial hardship and moved, and I was unable to continue payments at that time. I was later contacted by this collection agency and pressured into making a {$150.00} payment without being provided proper documentation or validation of the debt. Since then, the collector has called me multiple times from different phone numbers, including blocked numbers, after I stopped engaging. They have also attempted to charge my debit card multiple times without my authorization after I blocked further payments. The collector has used threatening language, including stating that I would be served if I did not make payments, which caused me XXXX. I have not received a full itemized breakdown of the alleged {$3000.00} balance, nor proof of the original contract, payment history, or how this total was calculated. I feel harassed by the repeated calls and concerned about unauthorized attempts to charge my account. I am requesting that the company provide proper validation of this debt and cease aggressive and misleading collection practices.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: TN

Complaint narrative:
I am reporting unauthorized transactions involving funds from my tax refund that were deposited into an account I did not recognize or knowingly open. After accessing the account using information provided through the IRS, I discovered that my refund had been deposited and then quickly spent without my authorization. Shortly after the deposit, two unauthorized in-store transactions occurred at XXXX : Approximately {$1000.00} spent in one transaction Approximately {$700.00} spent shortly after These transactions occurred immediately after the funds were made available. I disputed these transactions with the card issuer. The dispute was open for approximately 60 days before I received a denial of the claim. After the denial, I was instructed to contact the company to request the investigation documentation used to reach the decision. I have made multiple attempts to obtain these records. Each attempt resulted in being transferred to a voicemail system that disconnected before I could leave a message, preventing me from accessing the requested documentation. I am requesting a full copy of the investigation records, including transaction details, merchant information, and the basis for the denial of my dispute.

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