vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
I was taken to court for an attempt to be sued for a debt I knew nothing about, and was issued a court date. I was represented by an attorney from XXXX XXXX, and the court case was dismissed without prejudice in XX/XX/year>. I disputed with XXXX and XXXX and attached the court journal entry as well as requested that they report accurate information, and have done so multiple times. They still say i owe the debt. its affecting me as I am trying to buy a home, and keeps coming up despite an official dispute, giving them court documents and repeated calls to Portfolio Recovery Associates.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
JPMorgan Chase Bank is furnishing an account to consumer reporting agencies that does not belong to me. I have never opened, authorized, or held any account with JPMCB. 

I did not receive any account opening disclosures, billing statements, charge-off notices, or adverse action notices. As such, JPMCB lacks a permissible purpose under FCRA 604 and is furnishing unverifiable information in violation of FCRA 623 ( a ) ( 1 ) ( A ). 

Reporting an account that does not belong to the consumer constitutes a failure to ensure accuracy and a willful violation of federal law. 

I am requesting immediate deletion of this account from all consumer reporting agencies and written confirmation that JPMCB has ceased furnishing this inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My federal student loans were enrolled in an Income-Driven Repayment plan and placed in deferment during the period in which a 90-day delinquency was reported to consumer reporting agencies. 

I received no notice of delinquency or repayment obligation during this protected period. Reporting delinquency during deferment constitutes inaccurate and misleading reporting in violation of FCRA 623 ( a ) ( 1 ) ( A ). 

This inaccurate reporting caused measurable harm to my credit profile. 

I am requesting deletion of all delinquency reporting associated with periods of deferment and confirmation that my account history has been corrected across all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I returned a damaged item to XXXX and XXXX cant process a refund because the debit card used is no longer active.The debit card was lost and replaced with a new card.Truist bank refuses to credit the amount back to my account.Truist didnt do a proper investigation of my first dispute claim.Truist never contacted me in regards to the claim for more details, photos showing the item was returned, pictures showing that XXXX has tried to process a refund.Truist automatically denied my first dispute claim without any investigation. I have been forced to open a completely new dispute claim in trying to get the refund. Truist completely deleted the first dispute claim that was filed on XXXX so the evidence couldnt be added and to cover up their lack of a proper investigation.Truist has refused to provide a temporary credit to my account for the refund amount. Truist isnt doing anything to help me with this transaction. I have been having issues with Truist bank for a long time now and that has forced me to change banks. Debit card transactions taking 4 to 5 days to even show up in my online banking. Incorrect dates of those transactions ( covering up their laziness ) That has caused me significant financial hardship in management of my XXXX check. Being XXXX and my only income from XXXX XXXX, A {$250.00} transaction dispute like this has caused significant financial harm for me.

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 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
I just got this card I only had maybe 3 months the card only had a {$300.00} limit so a few days after I made my payment bringing my balance back to {$300.00} dollars the creditor said someone punched in all my information and purchased XXXX and XXXX eats and XXXX maxing out my {$300.00} dollar limit, I told them charges werent means they said Im still at fault so now my balance is up too {$500.00} dollars they charge me {$45.00} dollars a month just to have there card I told them I cant pay for something I didnt do.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
On XX/XX/year>, I prepared a written debt validation request to Credence Resource Management , LLC regarding an alleged telecommunications debt originally associated with XXXX. The letter disputed the debt in its entirety and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

The validation request was sent via XXXX Certified Mail on XX/XX/year>. In the letter, I requested documentation including a copy of the original contract or agreement, a complete itemization of the alleged debt, proof of legal authority to collect the debt, and the date of first delinquency. 

Despite this request, Credence Resource Management has failed to provide any validation or written response. No documentation has been sent, and the debt has not been properly verified as required by federal law. 

Under the FDCPA, a debt collector must cease collection activity until proper validation is provided after a timely dispute. Credence Resource Managements failure to respond constitutes a violation of these requirements. 

I am requesting that Credence Resource Management either provide full and proper validation of the alleged debt or cease all collection activity and credit reporting related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX  and LVNV Funding LLC for unlawful and deceptive debt collection practices, including duplicate collection efforts, harassment, and failure to provide required debt validation. 

XXXX XXXX XXXX  asserts that I owe a balance of {$610.00} on an account that it has reportedly sold or transferred to LVNV Funding LLC. Despite this alleged transfer, both XXXX XXXX XXXX  and LVNV Funding LLC have continued to contact me in an attempt to collect the same alleged debt and the same balance. If the account was sold, XXXX XXXX XXXX  no longer has a legal right to collect. If the account was not sold, LVNV Funding LLC lacks authority to pursue collection. Either scenario raises serious concerns regarding standing and compliance with federal law. 

I have not received proper written validation of the debt as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), nor have I received clear documentation identifying the current owner of the account or the entity with legal authority to collect. Continued collection activity without proper validation and while ownership is unclear appears to violate the FDCPA, including but not limited to 1692d, 1692e, and 1692f. 

Further, being subjected to simultaneous and repeated collection attempts by multiple entities for the same alleged obligation is confusing, deceptive, and harassing, and may constitute unfair and abusive acts or practices. 

I am formally requesting : Immediate written validation of the alleged debt Documentary proof of ownership and legal standing to collect Written clarification as to whether the debt was sold or assigned Immediate cessation of all duplicate and excessive collection communications I respectfully request that the CFPB investigate these practices and require corrective action to ensure compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: SC

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

Company public response: Company 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 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I financed {$8800.00} through Affirm on XX/XX/XXXX for vehicle wrap services from Exotic Car Transform / R45 Garage. The agreed start date for the work was the first week of XX/XX/XXXX. 

Despite repeated delays and assurances from the merchant, my vehicle remained at the shop for several weeks with no work performed. No wrap was installed, no surface preparation occurred ( no wash or clay bar ), no trim was removed, and no dent repair was performed. The vehicle was retrieved on XX/XX/XXXX in the same condition it was dropped off. 

I filed a dispute with Affirm for services not rendered and provided detailed evidence, including a timeline of events and communications. Affirm denied the dispute, stating that the merchant followed posted refund policy, without evaluating whether any services were actually rendered. Affirm did not require the merchant to provide proof of performance such as photos or documentation showing work completed. 

Affirm explicitly stated that its dispute decision was based on the merchants refund policy rather than on actual performance. As a result, I was held responsible for payment on a loan tied to services that were never provided. 

I believe this represents an unfair dispute process for service-based transactions, as a merchants no refunds policy was used to override the fact that no work was performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
They took my money in locked me out of both of my accounts in then said there is nothing they can do about it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/year>, Dividend Finance paid my solar installer and placed my loan into repayment status based on a Notice of Completion, even though the solar project was not complete. At that time, the system was not fully installed, was not operational, and had not achieved Permission to Operate ( PTO ). The solar panels were physically sitting on my driveway.

The Notice of Completion communications I received on XX/XX/year> were confusing and suggested the project was complete when it was not. After confirming the actual status of the installation, I contacted Dividend on XX/XX/year> to dispute the completion status and the initiation of loan repayment. I informed Dividend that the system was incomplete and provided timestamped photographic evidence from my home security cameras showing the panels on my driveway and later installation delays. 

Despite this dispute, interest has accrued since XX/XX/year> on a loan balance of approximately {$25000.00} at an interest rate of 8.99 %, even though no functional system was delivered and no electricity has been generated. Interest continues to accrue daily. I also informed Dividend that I did not need long-term financing and was prepared to pay the full loan balance immediately upon actual completion of a functional, operational system, as there is no prepayment penalty. 

Under the installation agreement and applicable home improvement standards, a project is considered complete only when the system is fully installed and ready for start-up and testing. That condition was not met when repayment and interest accrual began. 

The installer, XXXX XXXX, has since filed XXXX XXXX XXXX with no assets available to pay creditors. Dividend has acknowledged installer failure and has stated it will hire a third-party installer to complete the project. However, Dividend has failed to address the financial and property damages already incurred. 

Specifically, Dividend has not removed or reversed interest charged during the period the project has been incomplete and non-operational, and has not reimbursed physical damage caused to my home during installation, including approximately {$2000.00} in bathroom ceiling damage. 

I provided Dividend with written notice, documentation, and a final notice requesting removal of interest while the project remains incomplete and reimbursement for property damage. Dividend acknowledged receipt but did not provide a substantive response within the time provided. 

I am requesting that all interest be removed entirely for the period during which the project has not been completed and has not achieved PTO, that interest only begin accruing once the system is completed and operational, and that the documented property damage be reimbursed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I initiated two asset transfers to Robinhood totaling {$33000.00} ( {$12000.00} and {$21000.00} ). These transfers were made under a 2 % match promotion. 

As of XX/XX/XXXX, the promised bonus of approximately {$670.00} has not been credited to my account. I have contacted Robinhood Support multiple times over the last 2 months : Case XXXX : On XX/XX/XXXX, " XXXX '' confirmed the bonus was " approved '' and would be granted within 3 weeks. 

Case XXXX : On XX/XX/XXXX, " XXXX '' confirmed the match was " approved '' and would be applied by the end of the following week. 

Despite these explicit confirmations of approval, both cases were closed by Robinhood without any bonus being issued. I was forced to open a third ticket ( Case XXXX ) today. 

This is a deceptive trade practice. Robinhood has successfully received my assets but is refusing to pay the advertised incentive that induced the transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
Formal Complaint Regarding Absolute Resolutions Investments , LLC 's Violation of 15 U.S. Code 1692e by Reporting Inaccurate Dates to Credit Bureaus for a Charged-Off XXXX XXXX Debt To Whom It May Concern : I am writing to file a formal complaint against Absolute Resolutions Investments , LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692e, which prohibits false, deceptive, or misleading representations in connection with debt collection. Absolute Resolutions Investments , LLC has 2 false and misleading reports on my credit profile i nthe amounts of {$16000.00} and {$5900.00}. This debt has also been sold multiple times. The debt in question is an aged XXXX XXXX XXXX XXXX account that was charged off and later sold to Absolute Resolutions Investments , LLC . Absolute Resolutions Investments , LLC has reported inaccurate and misleading information to the major credit bureaus ( XXXX XXXX  and XXXX  ), including but not limited to an incorrect date of first delinquency, open date, or start date which re-aged this collection on my credit report. Key Facts : The original account was with XXXX XXXX XXXX XXXX and was established years ago. The account was charged off and subsequently purchased by Absolute Resolutions Investments , LLC for collection. Absolute Resolutions Investments , LLC has reported a different ( and incorrect ) Date of First Delinquency, Open Date, or Start Date to the credit bureaus, which improperly re-ages the debt and negatively impacts my credit report. Under the FDCPA, 15 U.S.C. 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation in connection with the collection of a debt. This includes misrepresenting the character, amount, or legal status of a debt, as well as providing inaccurate information to credit reporting agencies. 1. 1692e ( 2 ) ( A ) : It is afalse representation of the character and legal statusof the debt ( its age and when the clock started for credit reporting ). 2. 1692e ( 8 ) : It iscommunicating false credit information ( the false date ) to a credit bureau. 3. 1692e ( 10 ) : It is adeceptive meansto collect a debt by making it appear newer and more urgent than it is. By reporting an incorrect Date of First Delinquency or similar date field, Absolute Resolutions Investments , LLC has : Misrepresented the legal status and age of the debt. Potentially extended the permissible reporting period in violation of the Fair Credit Reporting Act ( FCRA ), which limits the reporting of most negative information to seven years from the original date of first delinquency. Harmed my creditworthiness and ability to obtain credit under accurate and lawful terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 2026-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: OR

Complaint narrative:
On XX/XX/year> documents were sent to PNC Bank XXXX XXXX XXXX XXXX PA XXXX Document : death certificate for XXXXXXXX XXXX XXXXXXXX , Letters of Administration the State of Texas and Notarized letter of instruction to Close all account of XXXXXXXX XXXX XXXX 'last four SS XXXXXXXX  '. to transfer funds to Estate Account at XXXX XXXX XXXX. 
After numerous email and phone conversation a second set of documents were sent to the same address on XX/XX/year>. After more calls I was finally connected with XXXX XXXX. aka XXXX A thrid set of documents were sent to PNC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX OH XXXX each packet cost XXXX $ their still refussing to comply with probate court instructions

Company response to consumer: Closed with explanation