vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I used PayPal as a service to receive a payment from a customer. I used the process XXXX month prior to this situation. The previous transaction was from the same company and the same type and amount of money. They processed the previous payment with no problem. This time they held the money for a week and said it would be cleared in a few days. Then, the representative said they would send an email to my client so they could release my funds. They didn't do that, I called back and they said I would have to verify information and so I showed them that information. They said it would be a few days again and I would receive my funds. Next, they close my account and will not give me any information on what happened, all they will say is something needed to be verified from another department that no one seems to be able to put me in contact. They just continued to say they could not provide me with any information and they are holding my funds. I have called multiple times and tried to resolve the issue and try and get a real reason why they are not releasing my funds. They are holding {$1700.00}, they do not or have not given me reason why they can not release my funds. All I get from the customer service is that's it is a decision from upstairs or administrative department but with no explanation. I have lost workers, bills have been in collections. It has been since XX/XX/XXXX since I was supposed to be paid for this service I performed. I need and want resolution, they say they will hold my funds until XX/XX/year>. I have had to take loans and go in debt because of this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified collection accounts being reported on my credit file by multiple furnishers and credit reporting agencies. I am disputing the following accounts in their entirety : 1. XXXX XXXX XXXX XXXX Balance : {$2500.00} Date Opened : XX/XX/XXXX Previously disputed on XX/XX/XXXX. This account was previously disputed, but the response I received failed to provide competent evidence supporting the accuracy of the reporting. The response relied on insufficient documentation, including an electronic signature, which does not satisfy the requirements of a reasonable investigation under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i. 2. XXXX XXXX XXXX Account Number : XXXX Balance : {$460.00} Original Creditor : XXXX This account has not been properly validated and lacks sufficient documentation to support continued reporting. I am requesting the credit reporting agencies and furnishers provide : The method of verification used for both accounts Copies of all documentation relied upon to verify the accounts The name and contact information of each furnisher The date of first delinquency for both accounts Most importantly, I am demanding deletion of these accounts if proper verification can not be provided. Continued reporting without competent verification may constitute inaccurate reporting and failure to conduct a reasonable investigation under the FCRA. I am requesting immediate deletion of these acc

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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer : XXXX XXXX Issue : Failure to reinvestigate and inaccurate reporting. I have disputed accounts multiple times. The credit bureaus failed to comply with FCRA : - 15 U.S.C. 1681i ( a ) ( 1 ) - 15 U.S.C. 1681i ( a ) ( 6 ) - 15 U.S.C. 1681e ( b ) They failed to provide signed contracts or proper verification. I am requesting immediate deletion of all disputed accounts. This is formal notice of intent to sue for failure to properly investigate and verify disputed accounts. You have 10 days to delete all inaccurate accounts or I will proceed with complaints and legal action. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — Conventional home 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Since XXXX last year i have submitted my documents for the application... i was told that those requested documents were sent to the proper source.... XXXXXXXX comes and I'm missing documents.... i resend the documents and was told to wait until verification.... XXXX same thing ... missing Documents and after talking to an agent for about 3 hours was again told that everything was submitted ... XXXX another denial ... stating missing documents... and again called rocket Mortgage and confirmed that the information was sent ... waited another week and didn't get any updates.... so i called again and for some miraculous reason the agent was able to locate every document they claim they couldn't find.... she requested this be ran up the ladder immediately. I also asked would the auctiondate be on hold until a decision was made for my case.... one day later i received a denial email saying its too late to submit my information because of a auction date.... which is the XXXX.... i have audio recording to prove my case....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: WV

Complaint narrative:
On XX/XX/year>, XXXX agreed in writing to accept a settlement payment of {$1600.00} and to write off the remaining balance of {$1000.00} upon receipt of that payment. The required settlement payment was made in full on XX/XX/year>XXXX and has successfully cleared. Despite fulfillment of the agreed terms, the account has not been correctly updated internally to reflect a XXXX balance and the agreed write-off. While the account appears to have been updated with the credit reporting agencies, the internal account status remains incorrect. This ongoing discrepancy has created continued adverse impact and is currently preventing me from closing my account with XXXX. Over the past two months, I have made multiple phone calls to resolve this issue and was provided with three separate promised resolution dates. None of these commitments have been honored, and the matter remains unresolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VW Credit
State: CA

Complaint narrative:
Upon paying the full amount to get the account to a current standing in the billing cycle. XXXX provided a telephone number and reference number to provide to the contracted third party to pick up the vehicle. The contracted company XXXX XXXX. XXXX XXXX then stated they do not hold the vehicles and stated the vehicle is being held by XXXX XXXX. We called XXXX XXXX a pickup location was provided over the phone and they stated that a XXXX cash fee would be required. The address provided which was, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX United States, was a completely fraudulent address with no cars being held on sight. They didnt have our vehicle at the location when we arrived. The representative on sight stated the car was at an undisclosed location and refused to provide an address of where the car is being held and refused to release the car. XXXX police also provided a repossession letter/receipt stating that if the company is not releasing the vehicle to call and file a report. I will be filing the report today. After this experience I contacted XXXX XXXX XXXX XXXX and they are claiming that they have no ability to aide in the return of the car. The sales contract has no provisions or disclosures stating such or any notice of the third party contractors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: FORD MOTOR CREDIT CO.
State: ND

Complaint narrative:
" I am disputing a lease-end balance of {$1800.00} ( Account # XXXX ) for a XXXX XXXX XXXX XXXX XXXX XXXX is attempting to collect for 'Excess Wear and Use ' related to a roof and seal failure. The Facts : Manufacturing Defect : The issues with the roof seals and T-clips are documented manufacturing defects, not consumer wear. This is specifically covered under XXXX XXXX XXXX ( XXXX ) XXXX and XXXX XXXX, which identify factory gaps in body seams and faulty header seal locator pins. Failure to Repair : I presented the vehicle for repair multiple times during the lease. Ford Motor Company failed to remedy the defect because the necessary parts were consistently 'unavailable ' or on backorder. Bad Faith Collection : XXXX XXXX is now attempting to charge me for a defect that the manufacturer admitted was a factory error but failed to fix. I have sent multiple dispute letters and a formal demand letter, all of which have been ignored. I am a licensed Private Investigator and have a full evidentiary file of these repair attempts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 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: TN

Complaint narrative:
Reported the transaction as the item is not in my house. They denied the case and ruled in favor of the merchant. Just really tired of the around XXXX XXXXXXXX stuff with PayPal and just want this taken care of immediately, as I do not want to be sent to collections. I tried to really resolve it at the beginning and tried to open a case, which got quickly denied, which I then completely forgot about until I get the occasional email from them trying to get me to pay a $ XXXX payment, which is absolutely not happening. However, to be sent to collections over this? Absolutely not.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I did not receive a service that was advertised and offered to me, according to the website for XXXX, written communications and a phone call with one of the owners ( XXXX XXXX ). I paid them {$4700.00} to provide boarding/training to my dog, with the specific goal of building her confidence to help with her reactivity. For this purpose, I made the single payment in that amount on XX/XX/XXXXXXXX pending the next available spot in the program. I brought the dog to them on XX/XX/XXXX once they did have an opening. There were several concerns I had during the time she was there ( XXXX weeks ) but the owner continued to try to reassure me. My dog was " finished '' and I was able to bring her home XX/XX/XXXXXXXX Over the next few weeks, I attempted to arrange additional training with them in my home because neither I, nor family or friends were seeing any improvement in her confidence or reactivity. When I ultimately was not hearing back as of XX/XX/XXXXXXXX I filed an Attorney General complaint, and when this and an additional letter to the training company yielded no movement, I filed the credit card dispute with AAdvantage Citicard on XX/XX/XXXX. Originally, Citicard responded XX/XX/XXXXXXXX simply stating that they had " completed ( our ) investigation and the documentation or facts provided don't support the billing error/dispute. '' I sent a letter the following day asking for further detail on their investigation and formally requested an appeal. XX/XX/XXXXXXXX Citicard sent me an email to say they were working on it, then XX/XX/XXXXXXXX they posted a letter to my account stating " Since too much time has passed since this transaction was billed to you, we aren't able to investigate 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 explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Company : PayPal , Inc . On XX/XX/year>, PayPal permanently deactivated my account ( email reference : XXXX ) citing " unusual activity. '' The deactivation email, sent from XXXX and addressed to me by full name, confirmed that a balance remains in the account and stated : " Before you can withdraw or transfer any remaining funds from your account, we need to hold them for up to 120 days to cover any financial liabilities. '' I have a remaining balance of {$250.00} in the account. PayPal has not provided specific details about what activity triggered the closure, nor have they given me any opportunity to appeal or resolve the issue. The 120-day hold would extend to approximately XX/XX/year>. This creates a severe financial hardship. My wife is due to XXXX XXXX on XX/XX/year>, and this is our only accessible funds. Babies frequently arrive earlier than the due date, meaning this hardship is urgent and immediate. I am requesting that the CFPB investigate PayPal 's failure to provide specific reasons for the account closure, and that PayPal be compelled to release my funds on hardship grounds prior to the 120-day hold expiration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
I am filing a complaint regarding my mortgage servicer, Carrington Mortgage Services, and its third-party vendor, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, related to the handling of an insurance claim and loss draft funds. My property sustained hurricane damage on XX/XX/XXXX. Insurance proceeds were issued and forwarded beginning XX/XX/XXXX. Three checks were sent in the amounts of {$43000.00}, {$10000.00}, and {$2800.00}. The third check has been confirmed as cleared by my insurance company ; however, XXXX has indicated they do not have the funds. Additionally, previously recorded financial data reflecting these funds has disappeared from the system portal. To date, I have not received any disbursement of funds, despite a total deposit amount previously reflected as {$54000.00}. Repairs to my home were fully completed as of XX/XX/XXXX, and all costs have been paid out-of-pocket. I have repeatedly requested a final inspection since XX/XX/XXXX, including on multiple dates through XX/XX/XXXX. An inspection was eventually scheduled for XX/XX/XXXXXXXX ; however, the inspector failed to appear and did not provide notice or rescheduling. Additionally, I was informed that the service level agreement for inspector contact is 5 business days, which was also not met. I have not received any written communication or explanation regarding the status of my claim, and I was explicitly told that providing written explanations is contrary to policy. This situation involves : Failure to properly track and account for insurance funds Loss or misplacement of funds Failure to disburse funds after completion of repairs Failure to schedule and complete required inspections Vendor failure to appear for a scheduled inspection Lack of written communication or transparency I submitted a Qualified Written Request ( QWR ) to the servicer today ( XX/XX/XXXX ) and am filing this complaint concurrently due to the length and severity of delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
Requested to provide written proof that it can legally collect the alleged debt before putting it on my credit report. Harming my credit score and credit reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In XX/XX/XXXX, a XXXX retail store representative told me that adding a third line would reduce my monthly bill from {$120.00} to {$80.00}. I have limited English proficiency and trusted the representative. Instead, my bill increased to over {$200.00} per month. I contacted XXXX by phone and in writing but received no resolution and they refused to provide the name of the sales representative. I did not pay the inflated charges. XXXX cancelled my account on XX/XX/XXXX and transferred a balance of {$510.00} to a debt collector. This debt is the result of deceptive sales practices by XXXX I never agreed to these charges. I have already filed a CFPB complaint against XXXX ( ID : XXXX ). Credence Resource Management is now attempting to collect this invalid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Until you provide proper validation, I request that you cease all collection activities and reporting to any credit reporting agencies. If you are unable to validate this debt, you must cease collection efforts and remove any negative reporting associated with this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I discovered, a few years after I left the company in XXXX, that a credit card account ( JPMCB CARD ) had been opened under my name without my knowledge or consent in XXXX. I was contacted regarding late payments, which was the first time I became aware of this account. The balance reported now is approximately {$55000.00}. This account was opened and used by another individual, XXXX XXXX, who was the managing member of the company. I have never used this account and did not benefit from any of the charges. After discovering the account, I immediately contacted Chase and attempted to resolve the issue. With the assistance of a banker, I submitted a formal request to transfer the account responsibility to the actual user. However, Chase denied the request, citing the other individuals poor credit and existing debt exposure. Despite being aware that I was not the actual user and that the responsible party could not qualify for transfer due to his financial condition, Chase continued to report this account under my name. As a result, my credit has been severely damaged. The responsible individual has acknowledged in a signed agreement that the charges were his personal expenditures, and this matter is also part of an active legal proceeding. I have also filed a police report documenting unauthorized use of my identity. I believe Chases handling of this matter is improper, as they effectively chose to leave the account under my name solely because the actual user was not financially qualified, despite knowing I was not responsible for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: IL

Complaint narrative:
Opened Relay Business account on XX/XX/XXXX, funded the account with XXXX {$2000.00} deposits total of {$4000.00} on XX/XX/XXXX. Account has since been frozen and could not deposit or withdraw funds. Would like to withdraw funds and close this account but unable to do so. XXXX XXXX

Company response to consumer: Closed with explanation