vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing and deeply concerning violations of federal consumer protection laws. After formally disputing these alleged debts and requesting proper validation, I was left frustrated and discouraged when the companies failed to provide any meaningful proof that I am legally responsible for these accounts. They did not produce basic, essential documents such as original agreements, records of ownership, complete account histories, or any clear evidence of their authority to collect. Despite my repeated efforts to resolve this matter, collection attempts and credit reporting activity appear to have continued without proper verification. This has caused significant stress and uncertainty, as I am being held accountable for debts that have not been substantiated. It is both alarming and unfair to face ongoing financial and reputational harm without clear and lawful justification. These actions raise serious concerns about potential violations of the Fair Debt Collection Practices Act, including the failure to properly validate debts and the use of misleading or unfair collection practices. Additionally, there appear to be violations of the Fair Credit Reporting Act, particularly regarding the accuracy of reported information and the obligation to conduct a reasonable investigation. Overall, the pattern of behavior suggests that these companies may be attempting to collect on unverified debts while reporting potentially inaccurate information. This situation has not only undermined my confidence in the fairness of the system but has also placed an unnecessary emotional and financial burden on me, pointing to what may be broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was online shopping for home insurance rates when I submitted some of my information. However I did not agree to do business with any company. However a few weeks later a bill was sent to my address. I ignored it. Later a collection agency named Portfolio Recovery Associates sent a bill next. They kept sending me notices. So I ignored that also, knowing it was a scam. Last my wages at my job started get garnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Arivo Acceptance, LLC
State: TX

Complaint narrative:
I have been getting harassing text messages from the Lender even though I am in constant communication with them about when I am making a payment. First the dealership told me I wouldn't have a payment for 90 days. They called me around 36 days and told me I had a payment due the next week. I didn't have enough time to prepare because they did not give me a due date at dealership. They told me the Lender would call me, but somehow on the documents I e-signed now have a date on them when it wasn't on there before. I made a payment then they helped me move my next payment. Well I had to have a major XXXX and had to be out from work. Before the next payment. I had issue with the insurance company paying me my short term XXXX. I let them know this and kept communication. I even told them I am going through something mentality because I am not able to keep up with my bills. I paid my bill before it came 30 days late. and the next bill was due soon and I made arrangements for that. They keep saying that I lied to the breaching the contract because I am not able to pay before or on the date and it is a must I pay before the month ends. In the contract it states that if I am late they would charge me a late fee and has no mention that I have to pay before months end. They threaten me by say that my car is not a priority and Good luck and told me that they saw my car was parked at my job, is it a new address. If they looked it up that address should be in my file. I am in therapy already because of the stress I am going through and they are only adding to the stress. I even wanted to commit suicide because of everything I am going through. I don't now because I got the help through therapy I need, but every time they harass me the way they do it sets me back. I am really trying to work to get there payments paid on time. I should be caught up by the end of this month so I won't have to go through this anymore. i can't imagine the stress they are giving to other people. This should be illegal. I told them I am going through a hardship and trying to work out my finances. They are just putting more stress on me. I can show text messages to prove their tactics

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Subject : American Express Improperly Denied Dispute Despite Documented Refund Pattern I am filing a complaint against American Express for improperly denying my dispute and failing to follow the Fair Credit Billing Act ( FCBA ). American Express stated that I did not provide documentation showing that the merchant agreed to issue me a refund. I am now submitting new evidence that directly contradicts that conclusion. Multiple customers who purchased the same {$4200.00} mentorship from the same seller ( XXXX XXXX / XXXX XXXX XXXX ) received full refunds from XXXX in late XX/XX/year>. These refunds were issued after the sellers public confession, program shutdown, and refund promise. I have attached screenshots showing : XXXX issuing full refunds to multiple customers XXXX reopening cases that were previously denied XXXX confirming refunds for transactions identical to mine Customers receiving {$4200.00} refunds after the sellers misconduct was confirmed Customers receiving refunds even when their banks denied them This establishes a clear pattern : 1. The merchant/platform agreed to issue refunds 2. The merchant/platform processed refunds 3. The merchant/platform honored refunds 4. The refunds were for the same product, same seller, same time period 5. My refund was not issued despite identical circumstances American Express dismissed my dispute based on the 60day rule and claimed there was no evidence of a refund agreement. The new evidence shows that refunds were being issued broadly and consistently to affected customers. Under FCBA, misrepresentation and nondelivery are valid dispute categories outside the 60day window when the evidence emerges later. The merchant admitted dishonesty, shut down the program, promised refunds, and failed to honor mine. I am requesting that the CFPB require American Express to : 1. Reopen my dispute 2. Evaluate the new evidence 3. Apply FCBA misrepresentation and nondelivery rules 4. Provide a written explanation for refusing to honor a refund pattern that was applied to other customers I have acted in good faith and exhausted all reasonable steps. The merchant and platform issued refunds to others but not to me, despite identical circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
This is concerning the payments on Solar Panels for 25 years. Said it would save me money and yet I pay out more than if I did not have the Solar Panels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I reported unauthorized transactions on my Affirm account immediately after noticing them. Affirm denied my dispute within an hour without proper investigation. I did not authorize these charges and request a full reinvestigation and proof of authorization. They are reporting a balance that I did not complete or authorize. The merchant order was not fulfilled/canceled, yet Affirm marked it as owed and restricted my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: IL

Complaint narrative:
On XX/XX/year>, my citibank checking account was withdrawn {$5100.00} from a local citibabnk branch in XXXX. I live in XXXX XXXX, haven't been to XXXX recently at all. On XX/XX/year>, I found out the issue and called citibank immediately, they froze the account immediately. On XX/XX/year>, I went to Citibank to open a new account, they helped me transferring the remaining funds on the account to the new account. On XX/XX/year>, I filed a police report on XXXX XXXX Police Department. On XX/XX/year>, I called Citibank Fraud deparment, they said they started an investigation but no progress yet. They claimed they sent a letter to me. On XX/XX/year>, I found out the thief reported lost ATM card when they withdrew the money, and the card was shipped to XXXX, which is not my home address. On XX/XX/year>, I called Citibank Fraud department, still no progress, I didn't received a letter, they asked me to wait. On XX/XX/year>, I called Citibank Fraud department, still no progress, I didn't received a letter, they asked me to wait. On XX/XX/year>, I called Citibank Fraud department, still no progress, I didn't received a letter, they asked me to wait. On XX/XX/year>, I called Citibank Fraud department, still no progress, I didn't received a letter, they asked me to wait. On XX/XX/year>, I called Citibank Fraud department, still no progress, I didn't received a letter, they asked me to wait. On XX/XX/year>, I called Citibank Fraud department, still no progress, I didn't received a letter, they asked me to wait.

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 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The post office never delivered my check it was in the mail for XX/XX/year> i called the administration where the check was coming from and they advised me someone cashed the chrck a mobile deposit at Bank of america snd the bank approved a check that was not their customers check. The check was written from XXXX of California whom also is not willing to provide me any information so i can make a proper police report. This has been causing me to be out of work and a significant amount of stress. All parties need to be investigated.

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 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I had a XXXX credit card and my account was transferred to Wells Fargo when XXXX and Wells Fargo split. Since then, I have not been able to add my non-Wells Fargo personal checking account to my account to make payment payments on my credit card. I have spoken to multiple representatives. One said that I needed to fill out a form and mail it back. I did that and then I received it again saying I did not fill it out correctly which I find hard to believe. Now I see that my XXXX XXXX account is listed as scheduled to deduct a minimum payment for my credit card on XX/XX/year> but when I try to pay off my balance, my XXXX XXXX account is not listed. I tried to add it and it says that my bank account is not authorized for transfers or payments. I called to ask why this is they said they dont know. All they know is that they couldnt verify my bank account. But they suggested I open another personal bank account, with WF, to be able to pay my credit card. If I did that and it still wasnt Wells Fargo with the same thing happen? Im not willing to find out. If I close this credit card, my credit score will be dinged. If I only make the minimum monthly payments that are scheduled by Wells Fargo my credit score will be dinged again because Ill be carrying a large balance. I do not want to open another bank account. I especially do not want one with Wells Fargo. All I want to do is be able to have the convenience in XXXX paying my balance through the app like everyone else. Ive never had a problem adding my XXXX XXXX account to credit cards to be able to make payments. I feel pressured to open a Wells Fargo bank account so I can rest easy knowing I can make these payments on time and in full when I need to. No one will help me or give me any other solution other than I need to open another bank account. They also told me that they can not re-verify the account there is nothing that they can do.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime is closing my account for some reason and they wont tell me why I have lost my debit card and I called to report so I can close that card get a new one put a dispute for who ever used my card now they saying they closing my account when money was taken from me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: OK

Complaint narrative:
I am submitting this complaint regarding the collection account being reported by ELEVATE RECOVERIES LLC in the amount of {$650.00}. I respectfully request a full investigation into the accuracy, validity, and reporting of this account. I do not believe this account has been properly verified pursuant to the Fair Credit Reporting Act ( FCRA ), and I am requesting that the furnisher provide complete documentation proving that this debt is legally mine, including the original signed agreement, full payment history, dates of delinquency, and proof that ELEVATE RECOVERIES LLC has the legal authority to collect and report this debt to the credit bureaus. At this time, the account information being reported appears incomplete and potentially inaccurate, which is negatively impacting my credit profile and financial opportunities. The reporting does not clearly provide sufficient details regarding the original obligation, and I am requesting that all information be verified for maximum accuracy under Sections XXXX and XXXX of the FCRA. If the company can not provide proper validation and documentation supporting every aspect of the account, I am requesting that the account be removed entirely from all credit reporting agencies immediately. Additionally, I am requesting goodwill consideration regarding this matter. I have been actively working to improve my financial situation and maintain responsibility with my obligations. This collection account has caused significant hardship and continues to affect my ability to move forward financially. I respectfully ask for compassion and consideration in reviewing this account for deletion from my credit report if verification can not be fully established. Please provide me with written confirmation of the investigation results and any actions taken to correct or remove inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing and deeply concerning violations of federal consumer protection laws. After formally disputing these alleged debts and requesting proper validation, I was left frustrated and discouraged when the companies failed to provide any meaningful proof that I am legally responsible for these accounts. They did not produce basic, essential documents such as original agreements, records of ownership, complete account histories, or any clear evidence of their authority to collect. Despite my repeated efforts to resolve this matter, collection attempts and credit reporting activity appear to have continued without proper verification. This has caused significant stress and uncertainty, as I am being held accountable for debts that have not been substantiated. It is both alarming and unfair to face ongoing financial and reputational harm without clear and lawful justification. These actions raise serious concerns about potential violations of the Fair Debt Collection Practices Act, including the failure to properly validate debts and the use of misleading or unfair collection practices. Additionally, there appear to be violations of the Fair Credit Reporting Act, particularly regarding the accuracy of reported information and the obligation to conduct a reasonable investigation. Overall, the pattern of behavior suggests that these companies may be attempting to collect on unverified debts while reporting potentially inaccurate information. This situation has not only undermined my confidence in the fairness of the system but has also placed an unnecessary emotional and financial burden on me, pointing to what may be broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I received a summons, handed to me, now I have to appear in court for a credit card I never applied for, It was never used they won't show amount of credit offered, there's 0 interest rate. And the card was never used.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
I am submitting this complaint because Barclays continues to incorrectly process and calculate my account balance despite multiple disputes and supporting documentation. The core issue is not simply that certain transactions were later marked as returned. The issue is that I made a successful payment of {$310.00} on XX/XX/year> before the due date, and Barclays acknowledged receiving and processing this payment. I have attached supporting documentation from XXXX XXXX XXXX as well as screenshots from Barclays support confirming the successful payment and related payment holds. Despite this, Barclays continued initiating additional payment activity connected to the account, including disputed XXXX attempts for different amounts such as {$470.00} and later {$590.00}. These disputed transactions were later treated as returned payments, and Barclays used them to increase my balance, generate fees, assess interest charges, and report delinquency activity. Throughout this matter, Barclays has provided inconsistent explanations regarding the disputed transactions. Different responses referred to the activity as : - AutoPay retries, - system-generated XXXX resubmissions, - payment holds, - and manually scheduled one-time payments. However, Barclays has still not provided a clear and internally consistent reconciliation explaining : - how my balance was recalculated after the successful XX/XX/XXXX payment, - how disputed returned transactions were applied to the account, - why fees and interest continued to accrue on disputed amounts, - and how the balance escalated despite my continued payments. In addition, Barclays official written responses contain inconsistencies in dates and transaction descriptions, which raises further concerns regarding the accuracy of the investigation and account review process. I also continued making payments toward my actual account balance during this period, yet the balance continued increasing instead of being properly corrected and reconciled. This is now my third complaint regarding this issue. Previous responses from Barclays have been largely template-based, failed to meaningfully address the core dispute, and did not resolve the incorrect balance calculations. Despite repeated disputes and supporting evidence, Barclays continued charging fees, assessing interest, reporting negative account activity, and allowing collection activity to continue instead of properly correcting the account.

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