vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma
State: TX

Complaint narrative:
I am filing this complaint because SARMA Collections, Inc. continues to report a collection account for {$3100.00} on my credit report while failing to provide proper debt validation and attempting to shift responsibility onto me to verify their records. In their prior response, SARMA stated that they have multiple addresses on file and asked me to verify my address instead of providing proof of initial written notice, proof of mailing, or competent validation of the alleged debt.

It is not my legal responsibility to correct SARMAs records. Under the FDCPA and FCRA, the burden is on the debt collector to maintain accurate consumer information, provide proper written notice, and validate the debt upon request. SARMA has failed to provide a contract, proof of ownership, itemized balance, payment history, or proof that any legally required notice was ever sent to me.

Despite this failure, SARMA continues to furnish damaging information to the credit bureaus. Reporting a collection account without proper notice, without competent validation, and without demonstrating accuracy violates FDCPA 1692g, FCRA 1681s-2 ( b ), and Metro 2 reporting standards.

SARMAs response did not resolve my complaint and confirmed that they are reporting an unverified, inaccurate, and non-compliant tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Westlake Services, LLC
State: MD

Complaint narrative:
I have been trying to contact Westlake Financial regarding how my payments are applied. They refuse to connect me with a human representative, and my instructions ( apply extra to principal only ) have not been followed. I have called many times and sent emails. I request a formal review and assistance in ensuring my payments are applied correctly as agreed and that I can communicate with a live person at Westlake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
In XX/XX/year> I obtained a new XXXX credit card with certain benefits advertised among others : 1. Immediate XXXX XXXX XXXX after first purchase posted. Credit card terms said this would be reflected 3-4 business days after the first Net Purchase posts. My first purchase was in XX/XX/year>. So its been more than a few weeks now and my XXXX XXXX status is still not showing in my account. 

Credit Card XXXX XXXX XXXX : https : //www.barclaycardus.comXXXX 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 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On Thursday last, I deposited a certified check for XXXX. The teller comfortable from his XXXX XXXX gave me receipt for XXXX. I tried Friday on phone to resolve and was promised it would be addressed soon and if not soon over the weekend. Here it is Monday. I called the bank and got no where and then CFPB. Still no missing money.. 
What do I do now?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
I asked for a Qualified assumption to assume my mortgage after a divorce, they supplied me with the process and then tried to sell me on a refinace instead. I refused the refiance and they are now refusing to let me apply for the qualified assumption and say I have to refinance. They are in my estimation : lying about the rules of assumption of a loan after a divorce under the XXXX XXXX XXXX XXXX, not properly applying the underwriters rules, or assessing my finances before refusing the qualified assumption and release of liablity '' " Summary for Fifth Third : " Under XXXX XXXX Guide Section 8406.1, you are required to evaluate a creditworthy transferee for assumption and release of liability when a property is transferred via a divorce decree. I am requesting the application package immediately. '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: TN

Complaint narrative:
Zip is attempting to collect payment on a debt that the original merchant, XXXX, has invalidated in writing ( XXXX Case ID : XXXX ). I provided this proof to Zip multiple times. Instead of voiding the invalid transaction, Zip processed an internal 'adjustment ' and is now demanding I pay {$87.00} for a non-existent purchase. This is an attempt to collect an invalid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Report # : XXXX Date : XX/XX/XXXXXXXX  Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX VA XXXX RE : Formal Dispute Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 

This letter is a formal dispute pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( b ).

According to my credit report, this account was opened in XX/XX/XXXXXXXX   and is reported as a collection account with a balance of {$640.00}. The payment history reflects collection activity from XX/XX/XXXXXXXX   through XX/XX/XXXXXXXX   despite no payment history, no scheduled payments, and no consumer activity. 

The credit report states : Completed investigation of FCRA dispute consumer disagrees. 

This conclusory statement does not satisfy the requirements of a reasonable investigation under the Fair Credit Reporting Act. No documentary evidence has been provided to verify the accuracy, ownership, or legal enforceability of this account. 

You continue to report this account without providing : A signed agreement or application Proof of ownership A complete chain of title An itemized transaction history The method of verification used Continued reporting without verifiable accuracy violates FCRA 1681e ( b ) and 1681s-2 ( b ).

I am demanding immediate deletion of this account unless you can provide the required documentation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
For more than three years, XXXX and XXXX separately and in coordinationhave continued billing for an account that is no longer active, while refusing to cancel services or issue refunds. Instead, they have imposed unreasonable, burdensome documentation demands as a condition to investigate, effectively prolonging the billing cycle and demonstrating a troubling lack of accountability, transparency, and consumer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: MD

Complaint narrative:
Thi student Loan was switched to cri in XXXX every month they returned my payment for no reason. I had to call to make the payment over the phone only after an employee suggested it after talking to with XXXX reps. 
Since then my credit score has gone down tremendously. As these accounts worst status are reporting as XXXX days late when really its supposed to be current

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a new Citi checking account on XX/XX/year>XXXX  in a Citi branch ( XXXX, NJ ). The account was opened together with a new Citi savings account, and the initial deposit was made in branch with the assistance of the banker. 

I enrolled in a Citi new checking account promotional offer. According to the written terms, the required new-to-Citi funds could be held in the checking account or in a combination of checking and an eligible new Citi savings account, and the balance requirement needed to be met on the XXXX day. 

On XX/XX/year>, a Citi customer service representative confirmed to me that I had met all the promotion requirements and that I was eligible for the bonus. 

However, on XX/XX/year>, another Citi representative later told me that I was not eligible, claiming that the funds had to be deposited into the checking account only and that holding the funds in the savings account did not qualify. No written policy or offer terms supporting this explanation were provided. 

This directly contradicts both the original promotion terms and the prior confirmation I received from Citi. Despite multiple contacts, Citi has refused to honor the bonus and has not provided a consistent or documented reason for denial.

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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint because Portfolio Recovery Associates ( PRA ) is reporting the same alleged {$730.00} debt under multiple different account numbers and name variations across my credit reports, creating inaccurate, duplicative, and misleading reporting. One alleged debt can not legally be reported as multiple tradelines or under multiple account numbers. This violates the Fair Credit Reporting Acts maximum possible accuracy requirement and XXXX XXXX reporting standards. 
In response to my prior complaint, PRA attempted to shift responsibility to the credit bureaus for how the account appears, despite the fact that furnishers are legally responsible for the accuracy, consistency, and completeness of the data they provide. PRA failed to address why the same debt is appearing under multiple account numbers and failed to correct the duplicative reporting. 
PRA also claimed that my validation request was untimely, which is legally irrelevant under FCRA 1681s-2 ( b ). Once a dispute is submitted through a credit bureau, PRA is required to conduct a reasonable investigation and verify the accuracy of the information. PRA has never provided competent validation, proof of ownership, chain of assignment, itemized balance, or payment history.

Instead, PRA relies on a generic form letter and business records from a third party while continuing to report inaccurate and duplicative information. Reporting the same alleged debt multiple times, under multiple account numbers, without proper verification is not an error it is willful noncompliance. 
PRAs conduct continues to cause serious harm to my credit profile and demonstrates a failure to comply with the FDCPA, FCRA, and XXXX XXXX reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I ordered an item from XXXXXXXX XXXX XXXX  and was suppose to ship 4-6 days. On the XX/XX/year>XXXX  I inquired about the order and they cancelled it with no refund given. The sale amount was {$5100.00} I opened a dispute with Bank of America and attached documentation of the cancellation. I just logged in and saw they denied the dispute. 

XXXX 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 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Telerecovery Corporation
State: LA

Complaint narrative:
This debt has been on my credit for going on 7 years. I have spoke to multiple people and advised them that this apartment was not for me. I advised them I did co-sign but the person who was in the apartment was my sister. She did not voluntarily move out, she was put out due to someone fighting her at the apartment. The manager who worked there at the time told her both parties had to move out even though she was not the cause of the incident. He advised her that this would not go on the credit since she was not voluntarily breaking the lease. However it has been on my credit and is affecting me for getting an apartment. I asked for letters stating that I did not stay in the apartment and they refused to give me any documents or the lease agreement.

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 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I recently applied for an American Express Platinum Card and was denied due to a prior American Express account that was closed in or around 2009 as part of a personal bankruptcy. I was advised that the account caused a loss to American Express and is preventing my approval today, even though it no longer appears on my credit reports. 

I am in a very different financial position now and am fully willing to resolve this past account so I can restore my eligibility as a customer. However, despite multiple attempts to contact American Express, I have been unable to reach anyone who can locate the account, provide settlement or recovery options, or otherwise advise how this restriction can be cleared. I have been transferred repeatedly between customer service, new accounts, and collections, but each department indicates that the system auto-declines my application and they are unable to assist further. 

I am making a good-faith effort to resolve this matter, but I am effectively blocked from doing so due to the lack of access to the appropriate Loss Recovery or Executive Resolution team. I am respectfully requesting assistance from American Expresss Executive Office to locate my prior account and provide a settlement or other recovery option so the loss can be addressed and my eligibility for American Express cards can be restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells fargo has refused to unlocked my account ( XXXX ) inside even with biometrics and rsa and phone number and email.

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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
In XX/XX/XXXX I wanted to make a large online purchase and was told by a Bank of America credit card representative that I would get 6 % cash back reward for all online transactions if I applied for and used their customized rewards cash back card. 

Based on this I went ahead and applied for and was approved for the card. I was given a temporary number with which to make the purchase, which I went ahead with during the thanksgiving period.

Within a week or two, i did not see the corresponding rewards for my transaction and called up the customer service representative who asked me to wait for a few days. Note that at this time I could hardly access my credit card account in their app ( I couldn't even setup an auto pay system ). I decided to wait based on their request. 

I called them again today ( XX/XX/XXXX since I didn't see the rewards posted. I was told by the customer service representative and his supervisor, XXXX that they couldn't help me and that I should've selected the rewards category before the purchase. 

I explained to them that this option was not available to me in the app at the time of purchase. I had used a temporary card number which they provided. There was no way to choose any category and the sales rep had led me to believe that I would get the 6 % reward for my purchase. I had made the purchase with the temporary card based on what the sales agent had told me. If I couldn't get the reward, why was I led to believe that I could, why was I even given a temporary card number? 

If this were not the case, I had no reason to even apply for their card. Now I have spent hours trying to resolve this issue and Bank of America refuses to compensate me for my purchase! I'm simply asking that they keep up their end of the bargain and give me the rewards points owed to me. 

I believe this is unfair to a customer of long standing ( I have other bofa cards ) or to any customer for that matter. I shouldn't have to go through all this for a straightforward matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
I have been a Citi credit card customer for 15 years with a credit limit of {$18000.00}. My account was closed by Citi due to inactivity. I understand inactivity policies, however, the account was closed without any prior notice by mail, email, or account message. 

Because no notice was provided, I was not given the opportunity to make a transaction to keep the account active. The closer removed a long standing credit line and credit limit, and will now negatively impact my credit profile. 

I contacted Citi customer service, including escalation to management, and was informed that the account can not be reinstated. They stated that advance notice is not required when closing accounts for inactivity. They stated the only option was to submit a request to reopen the card, which would a ) require a hard credit inquiry, b ) could result in a different credit limit and c ) not guarantee that the account would be reopened. 

I am requesting review of Citi 's handling of this account closure, including the lack of notice, and the resulting impact on my credit profile, and whether remediation is available.

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 2026-01-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing a complaint against XXXX  and Credence Resource Management ( reporting on behalf of XXXX XXXX XXXX XXXX. Experian marked my dispute as verified as accurate even though the collection agency has never contacted me nor provided any validation of this debt. I am requesting removal of the account or full validation under FCRA and FDCPA requirements. I am formally submitting this complaint against Experian and Credence Resource Management ( reporting a collection account for XXXX XXXX XXXX ), Account # XXXX, for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

1. I disputed this account directly with Experian.

2. Experian returned the result as verified as accurate.

3. However, I have never received any written validation from Credence Resource Management.

4. Under FDCPA 809 ( a ), a debt collector MUST provide validation upon request before continuing collection activity, including reporting to credit bureaus.

5. Reporting a debt without validating it is continued collection activity.

6. Credence Resource Management has not contacted me, mailed me validation, or provided proof that : - I owe this debt - They legally own it - They are authorized to collect in Texas- The amount reported is accurate or legally due 7. Experian did not conduct a reasonable reinvestigation under FCRA 611 ( a ). Verified can not mean the furnisher clicked a button electronically. I am entitled to physical proof.

8. Because XXXX  can not provide validation, this account must be removed until the collector proves the debt is legitimate.

Company response to consumer: Closed with non-monetary relief