vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX regarding an alleged debt they claim I owe. Account Number : XXXX ( XXXX ) Reported Balance : {$770.00} Date Opened : XX/XX/year> Date Last Reported : XX/XX/year> I do not acknowledge or admit owing this debt, and I do not recognize XXXX XXXX XXXX XXXX as a lawful creditor. I formally disputed this account and requested full validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the XXXX XXXX XXXX XXXX XXXX. Specifically, I requested : A copy of the original signed contract or agreement creating the obligation The name and address of the original creditor A complete itemization of the alleged {$770.00} balance Proof of legal standing, including full chain of title/assignment Copies of any judgments ( if applicable ) To date, they have not provided proper validation demonstrating that I owe this debt, that the amount is accurate, or that they have legal authority to collect it. Despite the dispute, the company may be continuing collection efforts and/or credit reporting without first providing validation. This may constitute violations of : Fair Debt Collection Practices Act ( 15 U.S.C. 1692e, 1692f, 1692g ) Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) Texas Finance Code 392.202 and 392.304 If this account is being reported to any consumer reporting agency, it must be marked as disputed and properly investigated. Reporting unverified or inaccurate information is harmful to my credit. I am requesting that XXXX XXXX XXXX XXXX be required to : Provide full and proper validation of the alleged debt ; OR Cease all collection activity permanently ; Delete the tradeline from all consumer reporting agencies if they can not validate the debt ; Ensure the account is properly marked as disputed. I am requesting a full investigation into this matter and appropriate corrective action.

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 2026-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Click n' Close, Inc.
State: TN

Complaint narrative:
I have been requesting a VA loan assumption after a final divorce decree since XX/XX/year>. The lender, Click n Close, has refused to process or deny the assumption and continues to demand a Power of Attorney from the Veteran -seller. The Veteran -seller is incarcerated and legally inaccessible, making POA unobtainable. No alternative process or written determination has been provided, leaving the matter unresolved. This requirement effectively places the burden on me, as the Victim, to resolve the lenders process by obtaining cooperation from the person who harmed me, which is unreasonable and unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I sent a written debt validation request to the collection agency on XXXX XXXX. The agency has failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Instead of providing competent evidence of legal standing, the collector has either failed to respond fully or has provided insufficient documentation such as billing statements or account summaries. Billing statements and internally generated account printouts do not constitute proper validation and do not establish legal standing to collect. The collector has not provided : A complete chain of assignment showing lawful ownership of the alleged debt Proof that they have the legal right to collect this specific account A copy of the original signed contract bearing my signature Documentation authorizing them to collect prior to reporting to credit bureaus Proof of proper mailing of the initial validation notice Proof they are licensed to collect in my state Despite this failure, the company continues to report the account to consumer reporting agencies and/or continue collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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: MD

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 remove

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 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I received a XXXX XXXX credit card from Citi bank with a $ XXXX limit that I did not in any way request. I contacted the company to ask why I had received the card and they had no idea. They closed the account at my request and I destroyed the card. While on the call, they also noted fraudulent charges on two other cards amounting to nearly $ XXXX, resulting in the cancellation of those two cards. Someone obviously had my information.

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
My PayPal account has been permanently limited for nearly two years, far exceeding the standard 180-day holding period. On XX/XX/year>, PayPal agents explicitly confirmed my balance of {$260.00} USD is 'Available ' and all 'permissions have been enabled '. However, a technical error on the platform prevents me from withdrawing to my linked XXXX card, incorrectly demanding a U.S. bank account from an international user. I have already attempted to resolve this through the XXXX ( Case # XXXX ), but PayPal provided evasive responses and some agents are now falsely claiming I must wait another 180 days. This is an unfair withholding of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: GA

Complaint narrative:
I am completely unaware of this company, its services and I have never done any business with company to have any debt owe to it. I have disputed account several times and have stated and also provided documentation of being a victim of identity theft and this debt being a result of the debt. Company refuses to throughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I sent a written debt validation request to the collection agency on XX/XX/year>. The agency has failed to provide proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Instead of providing competent evidence of legal standing, the collector has either failed to respond fully or has provided insufficient documentation such as billing statements or account summaries. Billing statements and internally generated account printouts do not constitute proper validation and do not establish legal standing to collect. The collector has not provided : A complete chain of assignment showing lawful ownership of the alleged debt Proof that they have the legal right to collect this specific account A copy of the original signed contract bearing my signature Documentation authorizing them to collect prior to reporting to credit bureaus Proof of proper mailing of the initial validation notice Proof they are licensed to collect in my state Despite this failure, the company continues to report the account to consumer reporting agencies and/or continue collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
I was kept in forbearance from XXXX until they transfered to Aidvantage in XXXX. In XXXX aidvantage told me to consolidate my loans and put me into a idr, they also told me after 10 years my loans would be forgiven. This also was a lie. I reached out to them recently and asked about the person who said this to me and they said we only keep records for 2 years. My original loans started at XXXX XXXX XXXX and that school closed down so i have no access to any paperwork. My original loans transferred from XXXX XXXX to XXXX. My loan details can be viewed on studentaid.gov I called the settlement line and they said my name was not on the list. I am now close to XXXX in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: GA

Complaint narrative:
A wire transfer was made to my account, it posted and was in my account for a few days and my account is back to zero, called discover to rectify and they said they sent out later to me on what's going on and this is over 4 weeks now, nothing yet. Everytime I call, they tell me same thing that they already sent my letter out

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MI

Complaint narrative:
First I sent in paper proving my XXXX then they wanted when I became XXXX so I sent that in now not exactly sure what they saying trying to well did not approved it now Im back that they wanted payments then also I stated that the school that I attended was online and they was not even supposed to be operating or non compliance and now they acting they dont know what that is

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.

Complaint narrative:
XX/XX/XXXX - 6 family members and 9 accounts closed without notice from JP Morgan Chase XX/XX/XXXX - Meeting with Chase XXXX management in person - no clarity - accounts closed. XX/XX/XXXX - XX/XX/XXXX Several call to XXXX Chase Fraud Line to determine WHY closed and When we will get checks for all 9 accounts XXXX - Chase XXXX confirmed 9 closures and amounts to be mailed after 10 business days XXXX - 7 of 9 accounts checks were mailed to family members XX/XX/XXXX - Escalation complaint email sent to XXXX XXXX and Chase XXXX XXXX XX/XX/XXXX - Follow up phone calls with XXXX XXXX XXXX ) - Chase Executive Office XX/XX/XXXX - XX/XX/XXXX - Follow Up calls with XXXX - " accounts under review status '' and NO clarity on when 2 accounts totaling over {$110000.00} will be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: AR

Complaint narrative:
Documented Cooperation and Immediate Response On XX/XX/year>, I received a voicemail from a representative of American Express ( XXXX ) regarding an open dispute involving XXXX XXXX XXXX ( Reference ID : XXXX ). The voicemail requested that I return the call within 24 hours to provide additional information. Within approximately 30 minutes of receiving that voicemail, I responded in writing through American Expresss secure Document Submission Center. In that written response, I clearly stated that I am fully willing to cooperate and provide any information necessary to assist in the investigation. I explained that, due to work obligations, I am not consistently available for unscheduled phone calls and have previously requested that communications regarding disputes be provided in writing. My request for written communication is solely to ensure accuracy, maintain a complete record, and allow me to provide thorough and precise responses. I explicitly stated that I am not refusing to participate. I remain willing to promptly respond to any written questions, documentation requests, or clarification inquiries submitted through the secure portal or by written correspondence. At all times, I have acted in good faith and have demonstrated immediate responsiveness and cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: KeyBridge Medical Revenue Management
State: IN

Complaint narrative:
I received a voicemail stating Hello, this is a communication from XXXX. Please contact a patient care representative by dialing XXXX. Again, our telephone number is XXXX. Our hours of operation are Monday through Thursday, XXXX XXXX to XXXX XXXX, and Friday, XXXX XXXX to XXXX XXXX. Thank you and goodbye. I thought this was a phone call for a research group I was approved to join. Found out it was a debt collector. They never said This is an attempt to collect a debt and misrepresented themselves as a health care provider.

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 2026-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I arrived at Chase Bank XXXX at address XXXX XXXX, XXXX XXXX XXXX because I have sent for new debit card and I didnt receive it! They did resend me a new card and I had to pay to expedite it. I tried withdrawing my money and they refused to give me my money and it was an issue on their end with their system. I stated that I needed my money today for some business transactions and that I will be losing money if I was not able to withdraw my funds. They are trying to send me a notification to my phone which I had set up but the notification was not sending on the device for them to verify me. I gave them my id and my credit showing proof that Im me and they just gave me a run around because they dont want release my funds so I can conduct my business. I would like you guys to help me and hold Chase accountable for not releasing my funds to me so I can conduct my business! I am about to lose XXXX in a potential business transaction because they denied me money because of an error with their system which is against the law. I felt like a subject to discrimination as young XXXX man banking at Chase. I will file a lawsuit against them for not releasing my funds to me when I needed it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
Incorrect information been in dispute for over 60 days with no repsonse no knowledge of this account or any of its information is correct. I want this resolved and removed from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I discovered unauthorized transactions on my Macys American Express card and immediately reported the fraud to the company. I was informed that the charges would be removed and that I did not need to make payment while the investigation was ongoing. In XX/XX/XXXX, I noticed a balance remained on my account. When I called, I was told that a prior representative had failed to code all transactions as fraudulent. I was again told not to worry and that the issue was being corrected. Because I am in the process of purchasing a home and was concerned about protecting my XXXX XXXX, I paid the outstanding balance before the due date to avoid any potential negative reporting. After payment, a fraud specialist contacted me and confirmed that the investigation was resolved in my favor and that all transactions were fraudulent. I was told the amount I paid would be credited back to my account. However, the promised credit has not been applied. A small balance ( {$3.00} ) later appeared on my account despite no new purchases. I have called multiple times since XXXX and have requested written confirmation that the fraudulent charges were removed and that no negative reporting has occurred. I have not received written confirmation and have been unable to speak with a supervisor despite repeated requests. This ongoing mishandling of a confirmed fraud dispute has caused significant stress, particularly because I am in the process of obtaining a mortgage. I am concerned about improper balance reporting and potential harm to my credit profile. I am requesting that the company : Apply the full credit owed to me. Remove any interest or residual charges related to fraudulent transactions. Confirm in writing that no negative credit reporting has occurred. Provide written confirmation that the account reflects a zero balance related to this dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: NJ

Complaint narrative:
On XX/XX/year>, I made an instant ACH bank transfer payment of {$490.00} from my U.S. bank account through an app called Abound ( XXXX XXXX XXXX ) to send money to XXXX. The transfer was supposed to deliver {$500.00} to the recipients bank account in XXXX. The transfer failed and did not reach the recipients bank. I was informed by the company that a refund would be initiated. However, as of XX/XX/year>, I have not received the refund. I contacted the companys customer support multiple times via email and other support channels. Initially, one representative responded stating that they were working on it, but after that, I received no further updates. My repeated attempts to follow up have gone unanswered. I also attempted to contact my bank ( XXXX XXXX XXXX ) to dispute the ACH transaction. I spent several hours over multiple days ( 34 hours on hold across 23 days ), but my calls were repeatedly transferred without resolution, and I was not provided clear assistance in filing a dispute. At this point, I do not know where my money is, whether the refund was ever processed, or what steps are being taken to resolve this matter. I am seeking assistance in recovering my funds and ensuring accountability from the company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-24 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: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-02-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: AR

Complaint narrative:
Account XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provided " Certified Mail '' with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report of I will have to take legal action.

Company response to consumer: Closed with explanation