vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the XXXX XXXX XXXX account listed on my credit report with a balance of {$2500.00}. 

I have no knowledge of this account, and I have never had electricity service in my name with XXXX XXXX or any utility company associated with this alleged debt. I did not open, authorize, or benefit from this account in any way. 

After researching XXXX XXXX XXXX, I understand they may collect on utility accounts ; however, this account does not belong to me. As such, I am disputing this account in its entirety. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you conduct a full investigation and provide written verification of this debt, including : Proof that I opened or authorized the account Documentation showing the service address A copy of any contract or application bearing my signature If you are unable to provide proper verification, I request that this account be immediately deleted from my credit report. 

Please note that this account is currently marked as disputed on my credit report, and I expect all future reporting to remain accurate and compliant with federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My father, a XXXX XXXXXXXX, XXXX XXXX, who only did business with Bank of America, has passed away. In attempt to take control over my fathers interests, I contacted Bank of America, which told me there were, many accounts for my father. That what I needed to do was submit the Death Certificate. After presenting the certificate, The Bank of America, * DENIED MY FATHER EVER HAD AN ACCOUNT WITH THEM, NOR XXXX. 
* CLAIMED THAT, NONE OF THE ACCOUNTS UNDER MY FATHERS SOCIAL SECURITY # WERE UNDER MY FATHERS NAME. 
* THAT ONE XXXX XXXX UNDER THE SAME SS #, HAD DEPLETED TWO OF MY FATHERS ACCOUNTS. 
* THAT A XXXX XXXX UNDER MY FATHERS SS # HELD AN ACCOUNT. 
* THAT A XXXX XXXX UNDER THE SAME SS # HELD AN ACCOUNT UNDER MY FATHERS SS #. 
* THAT THEY WANTED TO KNOW, WHY MY FATHER HAD TWO TRUST. 
* ULTIMATELY. THAT THERE WERE, MANY ACCOUNTS UNDER MY FATHERS SS #, BUT THAT THOSE ACCOUNTS WERE NEVER OPENED, NOR EVER CLOSED, THAT NOTHING EVER HELD, ANYTHING IN CONCERN FOR MY FATHER, HIS TRUSTS, NOR HIS ESTATES. 
* THAT THERE WERE, MANY ACCOUNTS UNDER MY FATHERS NAME, AND DIFFERENT SS # ( MY FATHERS NAME IS NOT A COMMON, NAME. ) BUT THAT THOSE ACCOUNTS WERE NEVER OPENED, NOR EVER CLOSED, THAT NOTHING EVER HELD, ANYTHING IN CONCERN FOR MY FATHER, HIS TRUSTS, NOR HIS ESTATES. 
* THAT THERE WERE, MANY ACCOUNTS UNDER MY FATHERS SS #, AND NUMEROUS CONFLICTING NAMES, BUT THAT THOSE ACCOUNTS WERE NEVER OPENED, NOR EVER CLOSED, THAT NOTHING EVER HELD, ANYTHING IN CONCERN FOR MY FATHER, HIS TRUSTS, NOR HIS ESTATES.

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 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX at XXXX. I was charged when automatic payments was turn off from the last time this happen. Somehow it was turned back on. The representatives, XXXX and XXXX felt like they were patronizing me and downplaying the situation and XXXX was maybe even rage-baiting. XXXX didn't respond to anything is said. He continues to repeat his process with every response. He wouldn't transfer to supervisor or manager in his department or turn off the automatic payments off. He continue to repeat the process. I called to only file a complaint but XXXX redirected the conversation by asking me to explain the issue. He told XXXX turned off the automatic payments when XXXX said that wasn't his department to even change. XXXX said he mad a complaint but im still wanting on the ticket number for the complaint via Email. 

I don't understand why customer service have a different process depending on which representative your talking to. 

There's a language barrier and culture differences putting XXXX people like myself in a position were it'll be hard for them to receive proper service. 

I feel like someone is literally ghost managing my account without asking me what's going with my deposits or do I plan on paying the borrowed me back and when. Nothing but actions taken without my knowledge or consent. 

Now I have to wait until tomorw when I get paid. But i need my money now. This makes me not want to use this company anymore and send this small debt to the debt collectors. If I'm going be treated like I don't matter or I don't make enough for equal opportunity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
I am submitting this complaint against Portfolio Recovery Associates , LLC ( PRA ) for failure to comply with federal debt validation requirements, failure to provide proof of contractual authority, and continued collection and credit reporting despite proper notice and escalation to arbitration. 

On XXXX separate occasions, I sent written requests to Portfolio Recovery Associates as part of my administrative process, requesting validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. XXXXg ). Specifically, I requested : >Proof that Portfolio Recovery Associates has lawful authority to collect the alleged debt >A copy of the original contract or agreement bearing my signature that establishes my obligation >Documentation showing a valid assignment or bill of sale transferring the account from the original creditor to Portfolio Recovery Associates >A complete accounting of the alleged debt Despite XXXX written requests, Portfolio Recovery Associates failed to provide the requested documentation. At no time have they produced a contract between myself and Portfolio Recovery Associates, nor have they produced competent evidence showing that I authorized the sale or transfer of my account from the original creditor to them. 

After receiving no meaningful response to my validation requests, I sent a XX/XX/XXXX written notice formally requesting arbitration as a means to resolve this matter. Portfolio Recovery Associates has ignored this arbitration request and has failed to respond in good faith, while continuing collection activity and credit reporting. 

Without a signed contract or valid assignment proving ownership and authority, Portfolio Recovery Associates lacks standing to collect this alleged debt. Their failure to validate the debt and their continued collection activity constitutes a violation of 15 U.S.C. XXXX ( b ). 

Additionally, Portfolio Recovery Associates continued reporting of this unverified debt to consumer reporting agencies has caused substantial harm. Their actions have negatively impacted my credit score and are directly affecting my ability to qualify for housing, including my ability to purchase a home. This ongoing reporting of an unvalidated and disputed debt is causing significant financial and personal hardship. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I haven't been able to close my PayPal account since the week of XX/XX/XXXX. 

I attempted again to close my PayPal account on XX/XX/XXXX and the issue why it won't close is, " TECHNICAL ERROR PREVENTING YOUR ACCOUNT FROM BEING CLOSED. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I have repeatedly spoken to XX/XX/XXXX regarding these fraudulent claims of a fake debt and XX/XX/XXXX has repeatedly assured me and reaffirmed that I do not owe any debt and should ignore these fraudulent claims. I have had very malicious and criminal telecommunications violations committed against me that required federal investigation. I strongly advise that these parties cease their efforts to intimidate me and my child immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/year> Resurgent / LVNV Funding XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number : XXXX To Whom It May Concern, I am writing in response to your claim that I owe a debt to your company. 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, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Please be advised that I dispute this debt in its entirety. Under federal law, you are required to cease all collection activity until you provide proper validation of the alleged debt. 
Required Validation Documentation XXXX. The total amount of the alleged debt, including a full itemization of interest, fees, or other charges XXXX. The name and address of the original creditor XXXX. A copy of the original signed contract or agreement bearing my signature XXXX. Proof that Resurgent/LVNV Funding has legal authority and standing to collect this debt XXXX. Documentation showing the complete chain of assignment or ownership of the debt XXXX. The date of last payment and the date the account became delinquent XXXX. Proof that this debt is within the applicable statute of limitations Notice of Rights Under 15 U.S.C. 1692g ( b ), you must cease all collection efforts until validation is provided.

Under 15 U.S.C. 1681s-2, a furnisher of information may not report inaccurate, incomplete, or unverified information to any consumer reporting agency. 
Reporting this account to XXXX, XXXX, or XXXX  without proper validation constitutes a violation of federal law. 
Demand for Deletion If you are unable to provide the requested validation, you must immediately delete this account from all consumer credit reporting agencies and provide written confirmation of deletion. 
This letter is sent without acknowledgment of liability and does not constitute a promise to pay. 
Sincerely, XXXX XXXXXXXX XXXX  Signature

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am a verified victim of identity theft. The debt collector, Transworld Systems Inc., is attempting to collect on an alleged account that is not mine and was already blocked as identity theft under 15 U.S.C. 1681c-2 ( a ) before any sale, transfer, or assignment to Transworld Systems Inc XXXX 

The account was the result of identity theft and was covered by a valid FTC Identity Theft Report. A mandatory identity-theft block was already in place prior to XXXX XXXX XXXX XXXX selling or assigning any data related to this account. XXXX  a 1681c-2 ( a ) block is applied, the account is legally void for transfer, sale, collection, furnishing, or reinsertion. 

Despite this, Transworld Systems Inc. acquired the account and sent a collection notice dated XX/XX/year>, demanding payment. This constitutes unlawful post-block collection activity. Transworld Systems Inc. also used fraudulent personal identifiers, including an unauthorized name variant and an address variant that do not match my verified identifiers, despite having prior notice of identity theft. 

Transworld Systems Inc. has actual knowledge of my identity-theft status. They previously received my full identity-theft packet, including my FTC Identity Theft Report, sworn statements, and identifier documentation, in connection with other accounts. Additionally, the consumer reporting agencies transmitted identity-theft status to furnishers pursuant to 1681c-2 ( a ). Both actual and constructive notice exist. 

There is no legal authority for a debt collector to acquire or attempt to collect a debt that has already been blocked due to identity theft. There is no investigation period, validation process, or discretion once 1681c-2 ( a ) is triggered. XXXX XXXX XXXX actions constitute willful violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: VA

Complaint narrative:
On XXXX XXXX my account was blocked unexpectedly by Cashapp. I paid a couple of bills, shopped online for XXXX gifts and transferred my money from my XXXX XXXX account. Next thing I know my account is deactivated, so I call the customer service and they told me I have to wait 48hrs to file an appeal and that i would get an email with an explanation of what term i broke. in which I did wait, I didnt get a response via email and I reached back out. They told me they were going to file another appeal. I then recieved an email that they were investigating the matter and reach back out in 10 days. I got an email telling me that they were going to uphold the deactivation and I could appeal, which I did. They have a link telling me the decided to uphold this based on this violation and when you click the link it literally list the whole term and conditions, not what term I broke! So I reached out on XX/XX/2026 to XXXX  and with the same response they are investigating this and for me to reply directly to them not the XXXX. I rejected the statement because there is no resolution no proof. Nothing is given to me as to why. And per the terms and conditions I haven't broken and of the terms listed. So they responded again they responded back through the XXXX  and said there was nothing they could do for me and that account will stay closed. But again there is no explanation as to why this started in the first place. I will say a month or 2 before this started I raised a complaint because I was sent money and XXXX was missing from it. No charge was made they blamed XXXX XXXX  and XXXX XXXX said it wont there but the money still wasn't in my account and there was no resolution about that either and then all of sudden my account is closed. They said they investigated but not evidence was given as to why or how they came to this conclusion! My account has been active for years I mainly do every thing with that account so I am not understanding as to why this has happened. There is lack of customer services and appears as they do this to a lot of people with no resolution. Weirdest part is they sent me a green status email the same day they deactivated my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business Processing Solutions, LLC
State: TX

Complaint narrative:
I a letter from pioneer credit recovery  i owe Money to the SBA so I don't know at the time it was a credit and no body contact me about it. 
Now they are saying I owed {$9400.00} I could of start make small payment long time ago

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 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
They have denied my claim of fraud against someone that scammed me. I need my money back. They deny my fraud claim at every turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Personalized Collection Services

Complaint narrative:
Im hacker my acc the transfer money i dont have acces at my money XXXX transfer at my bank acc

Company response to consumer: Untimely response
Consumer complaint received 2026-01-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: SC

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate and internally inconsistent credit reporting furnished by EDFinancial Services , LLC regarding my federal student loan accounts. 

EDFinancial is reporting multiple severe late payment notations ( 90, 120, 150, and 180 days late ) on accounts that simultaneously reflect deferred status, paid/closed status, and invalid or missing date fields. This reporting is factually contradictory, misleading, and unverifiable, and therefore violates the Fair Credit Reporting Act.

Specifically : 1. Accounts reported as Payment Deferred can not simultaneously be delinquent. 
Under federal student loan servicing rules and XXXX XXXX reporting standards, an account in approved deferment does not accrue late payments. EDFinancials reporting reflects deferment while also reporting extreme delinquency, which is logically and legally inconsistent. 
XXXX. Closed or paid accounts can not continue to accrue late payments. 
EDFinancial is reporting late payment history on accounts that are simultaneously marked as paid and closed, which misrepresents the status of the obligation and falsely extends derogatory impact.

3. Invalid and inconsistent date fields render the reporting unverifiable.

The presence of invalid date entries and conflicting delinquency timelines prevents any reasonable reinvestigation of accuracy and violates the requirement that furnished information be complete and verifiable.

Because of these inconsistencies, the reported late payments are not capable of being verified as accurate, and continued reporting constitutes misleading credit information.

Violations of Federal Law EDFinancials reporting violates the following provisions of the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or which should be known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation after notice of dispute Federal courts have consistently held that information may be technically accurate yet still violate the FCRA if it is misleading or internally inconsistent, including : XXXX v. Branch Banking & Trust Co. , 526 F.3d 142 ( XXXX XXXX  XXXX ) ( Reporting that creates a misleading impression violates the FCRA even if some data points are technically accurate. ) XXXX v. Trans Union Corp., 115 F.3d 220 ( XXXX XXXX XXXXXXXX ) ( Automated or superficial verification is not a reasonable reinvestigation under the FCRA. ) XXXX v. Wolpoff & Abramson, LLP, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) ( Furnishers must independently verify disputed information and can not rely solely on prior reporting. )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  IL XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Re : Account Number : XXXX To Whom It May Concern, I am writing in response to your claim that I owe a debt to your company. 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, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Please be advised that I dispute this debt in its entirety and request full validation. Under federal law, you are required to cease all collection activity until proper validation is provided.

Required Validation Documentation 1. The total amount of the alleged debt, including a complete itemization of interest, fees, or charges 2. The name and address of the original creditor 3. A copy of the original signed contract or agreement bearing my signature 4. Proof that your agency has legal authority and standing to collect this debt 5. Documentation showing the complete chain of assignment or ownership of the debt 6. The date of last payment and the date the debt became delinquent 7. Proof that this debt is within the applicable statute of limitations Notice of Rights Under 15 U.S.C. 1692g ( b ), all collection efforts must stop until proper validation is provided.

Under 15 U.S.C. 1681s-2, a furnisher of information may not report inaccurate or unverified information to any consumer reporting agency. 
Reporting this account tXXXX XXXX XXXX XXXX XXXX without proper validation constitutes a violation of federal law. 
Demand for Deletion If you are unable to provide the requested validation, you must immediately delete this account from all consumer credit reporting agencies and provide written confirmation of such deletion. 
This letter is sent without acknowledgment of liability and does not constitute a promise to pay. 
Sincerely, XXXX XXXX _________________________ Signature

Company response to consumer: Closed with explanation