vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Transaction : XX/XX/2026 Amount {$420.00} Company : Paypal Called : XXXX times Desired Resolution : Account balance restored to {$0.00} and removal of account freeze. 

XXXX. Unauthorized Use of Backup Funding On XX/XX/2026, I attempted a transaction using my primary payment method ( Card ending in XXXX ). According to my financial institution, there is no record of an attempted charge or a " chargeback '' on this card. Despite this, PayPal claims the bank " refused '' the payment. Instead of canceling the transaction, PayPal unilaterally and without my consent charged a backup card on file ( ending in XXXX ). 

The backup card ( XXXX ) used by PayPal was invalid and expired. PayPals system acknowledged this card needed updating, yet they intentionally bypassed security protocols to " push '' the payment through. By doing so, PayPal acted as an unauthorized lenderpaying a third party on my behalf without a valid funding sourceand is now holding me liable for a debt I did not authorize. 

Multiple PayPal representatives ( including XXXX managers ) have claimed my bank issued a " chargeback. '' My bank has confirmed in writing/records that no such attempt or chargeback exists. PayPal is providing false information to justify a negative balance on my account. 

While PayPal claims this is a " Personal '' transaction ineligible for Purchase Protection, my complaint is a billing error and an unauthorized transaction issue, not a standard " Goods and Services '' dispute. PayPal has refused to review evidence that they used an unauthorized backup funding source and has closed my case without due diligence. 

PayPals actionscharging an invalid card, misrepresenting bank records, and creating a negative balance without consumer consentconstitute unfair and deceptive billing practices. I request that PayPal XXXX out the negative balance and restore my account to good standing, as this " debt '' was created solely by PayPals decision to override my chosen payment settings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I was trying to make a payment but was using wro g account when I figured it out I made more than min due on account. Was not advised that they closed my account I tried using the card and was declined. I called and that when I was advised that it was closed and these was all extra payment I was paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: LendingPoint Holdings LLC
State: NJ

Complaint narrative:
Company : LendingPoint Account Number : XXXX Issue : Inaccurate late payment reporting / Failure to properly investigate I am filing this complaint against LendingPoint for inaccurate reporting of late payments on account XXXX and failure to conduct a reasonable investigation under the Fair Credit Reporting Act ( FCRA ). 

LendingPoint is reporting late payments that I dispute as inaccurate and/or improperly verified. I previously disputed this information, yet the company continues to report the late payments without providing documentation showing how the information was verified. 

Under 15 U.S.C. XXXX and XXXX ( b ), once a dispute is submitted, the furnisher must conduct a reasonable investigation and review all relevant information. Additionally, under 15 U.S.C. XXXX ( b ), furnishers are required to maintain reasonable procedures to ensure maximum possible accuracy. 

LendingPoint has failed to : XXXX. Provide a complete payment history ledger supporting the reported late payments. 
XXXX. Provide documentation showing how the late payments were verified. 
XXXX. Confirm that proper billing notices were sent to my correct address. 
XXXX. Demonstrate that a meaningful investigation was conducted beyond automated verification. 

If LendingPoint can not provide full documentation, including the signed agreement and complete payment history supporting each reported late payment, the reporting is unverifiable and must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: ClearOne Advantage, LLC
State: CA

Complaint narrative:
this is the XXXX email I sent to ClearOne Advantage LLC To Whom It May Concern, ClearOne Advantage LLC I am submitting this formal complaint regarding ClearOne Advantage LLCs handling of my debtsettlement program, which resulted in substantial financial harm, unauthorized fees, and a complete failure to provide the services promised. 

Summary of Harm Between my enrollment and cancellation, I deposited {$5800.00} into the program. Out of this amount : Only {$250.00} was ever paid to creditors 97.5 % of my funds were taken as fees These fees were not disclosed, not authorized, and not agreed to by me My accounts were left delinquent, damaged, and unsettled This constitutes a complete failure of performance and a violation of federal and state consumerprotection laws. 

Regulatory Obligations As my debtsettlement provider, ClearOne Advantage LLC is responsible for : Truthful and transparent disclosures under the Telemarketing Sales Rule ( TSR ) Prohibitions on charging fees before settling a debt Accurate representations of program outcomes Avoiding unfair, deceptive, or abusive acts or practices ( UDAAP ) Ensuring that XXXX XXXX XXXX only withdraws authorized amounts ClearOne Advantage failed to meet these obligations. 

Specific Issues Requiring Response I request a written explanation addressing the following : Why ClearOne authorized XXXX XXXX XXXX to withdraw thousands of dollars in fees before settling any debts. 
Why only {$250.00} was paid to creditors out of {$5800.00} deposited. 
Why ClearOne continued to collect fees despite no settlements being completed. 
Why ClearOne misrepresented the program timeline, expected savings, and fee structure. 
What internal controls failed that allowed this level of consumer harm. 
Requested Resolution I am requesting : A full refund of all fees collected A complete accounting of all withdrawals A written explanation of ClearOnes compliance with the XX/XX/XXXX and XX/XX/XXXX standards Regulatory Notice This complaint will be shared with : CFPB California XXXX FTC California Attorney General Any additional agencies involved in the ongoing investigation I expect a timely and substantive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am filing this complaint against Capital One regarding inaccurate and inconsistent credit reporting on my account.

Capital One is reporting a XXXXday late payment for XX/XX/year>2025 and is also reporting materially inconsistent account information across the XXXX major consumer reporting agencies. 

Specifically : The Date of Last Activity differs between bureaus. 
The High Balance amount is inconsistent across bureaus. 
XX/XX/XXXXis reporting a {$0.00} credit limit, while XX/XX/XXXX and XX/XX/XXXXreport a {$300.00} credit limit. 

These inconsistencies directly impact credit scoring and demonstrate a failure to maintain reasonable procedures to ensure maximum possible accuracy as required under 15 U.S.C. XXXX ( b ). 

Under 15 U.S.C. XXXX ( b ), once a dispute is raised, Capital One is required to conduct a reasonable investigation and verify the accuracy of all reported information. 

The inconsistent reporting across bureaus calls into question the reliability of the reported XXXXday late payment for XX/XX/scrub> 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
In XX/XX/XXXX, I sent a formal debt validation request to Resurgent Capital Services L.P., which is servicing a debt for LVNV Funding LLC, regarding an alleged credit card debt originally from XXXX XXXX XXXX with a claimed balance of {$480.00}. 
On XX/XX/XXXX, I received their response. Instead of providing proper validation, they enclosed an Account Summary Report that was generated by Resurgent Capital Services themselves on XX/XX/XXXX. This is not independent verification it is a self-prepared document by the same company attempting to collect the debt. They provided no bill of sale or chain of ownership documentation proving LVNV Funding LLC legally purchased this debt. 
They also failed to provide a copy of the original signed credit agreement, their state debt collection license, or any explanation for why the balance increased from {$340.00} to {$480.00} on an already charged-off account. 
Additionally, their letter referenced a third party company called XXXX XXXX as having contacted them about my account. I never authorized this company to access my information and XXXX never explained their involvement. 
Despite failing to provide proper validation, XXXX threatened to return the account to active collection, which is a potential FDCPA violation under 15 U.S.C. 1692g ( b ). 
I am requesting that XXXX and LVNV Funding provide complete validation or remove this account from all credit reports permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems INC sent a payroll garnishment to my XXXX employer and stated it was a Student Loan debt when it is not a Student loan debt, it is a XXXX XXXX debt, and the only reason I know this is because I got an email once on XX/XX/year> that went to my junk email and I keep getting calls that say they are from XXXX but are different numbers every time and no messages are ever left. They are also trying to charge me over {$1000.00} in fees which is almost a third of the original debt amount of about {$3400.00} they are trying to charge me over {$4400.00}. They are garnishing my wages at {$120.00} every XXXX weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint regarding an unresolved and unexplained account restriction placed by Capital One following a claim initiated by the issuing bank of a cashiers check. 

On XX/XX/XXXX, I deposited a cashiers check issued by XXXX Bank in the amount of approximately {$17000.00} into my Capital One account. The check fully cleared, settled, and the funds were available without issue for approximately XXXX and a half months. 

On XX/XX/XXXX, Capital One informed me that my accounts were being restricted due to a claim related to this cashiers check. Since that date : - Capital One has restricted my entire banking relationship ( excluding credit cards ). 
- Capital One has not provided the reason for the claim or the category under which it was filed. 
- Capital One has not stated whether the claim is fraud-related, error-related, or administrative. 
- Capital One has not confirmed whether the claim was initiated by the purchaser or solely by the issuing bank. 

I have confirmed directly with the purchaser of the cashiers check that they did not file a dispute, did not submit a fraud claim, and did not file a police report. To my knowledge, no police report exists related to this transaction. 

Despite multiple attempts to obtain clarification, Capital One has been unable or unwilling to provide : - The basis for the claim - The documentation supporting the claim - Whether I am accused of any wrongdoing - A clear timeline for resolution As a result, my funds remain frozen indefinitely without explanation, causing financial hardship and uncertainty. 

My concerns are as follows : - Capital One has failed to provide material information regarding the reason for the restriction. 
- The restriction appears disproportionate given that the cashiers check cleared months ago and no fraud allegation has been communicated. 
- The lack of transparency prevents me from responding meaningfully or defending my interests. 
- An open-ended restriction without stated cause raises concerns regarding fair banking practices and due process. 

I am requesting that Capital One be required to : - Disclose the specific reason and category for the claim - Confirm whether a purchaser affidavit or police report exists - Provide the documentation supporting the restriction - Provide a definitive timeline for resolution or release of funds - I am not alleging misconduct by Capital One at this time ; however, I am requesting regulatory assistance to obtain transparency, documentation, and timely resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX PAYMENT THANK YOU # XXXX {$4200.00} XX/XX/XXXX ONLINE ACH PAYMENT THANK YOU # XXXX {$4200.00} The second payment was made in error, resulting in a credit balance on my account. I contacted Wells Fargo Credit Card Support multiple times to request a reversal of the duplicate payment and a return of {$4200.00} to my original funding account ( my savings account ). 
However, despite several calls, there has been no visible progress. I have been informed that the request can not be escalated or expedited. During my most recent call on XX/XX/XXXX, the representative advised that there is a note on the account stating : Following up on research XX/XX/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 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
I received a letter from my work XXXX stating they received a garnishment from MIDLAND CREDIT MANAGEMEN and they were going to take payments from my checks until it was paid off. 
They took payments : XX/XX/XXXX, {$410.00} XX/XX/XXXX, {$410.00} XX/XX/XXXX, {$410.00} XX/XX/XXXX, {$110.00} Total paid : {$1300.00} I reached out to Transunion and subtitled a dispute. It was turned on my favor to have them removed the account from my credit report. 

As of today, XX/XX/XXXXXXXX MIDLAND CREDIT MANAGEMEN has not removed the account from my credit report and are still showing a remaining balance of {$430.00}. All they did was twice the balance from {$540.00} to {$430.00} instead of marking it as paid and removed from my credit report. 

I assuaged my paystubs from work and highlighted my name, dates and garnishment taken out out check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
Servicer failed to deliver time-sensitive modification documents despite repeated requests, causing risk of expiration.

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 2026-02-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: MD

Complaint narrative:
My vehicle was totaled XX/XX/year>. My gap insurance company paid around XXXX of my loan balance and XXXX paid over XXXX. I called on XX/XX/XXXX and a rep verified that Carmax Finance received the payment that date but it takes XXXX  day to process it. I also inquired would it be reported as late on my credit report because the next day XX/XX/XXXX, would make it report as XXXX days late on my credit reports. I was told that it should not report late because the payment was received at Carmax on the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UBS BANK USA
State: ID

Complaint narrative:
In XXXX, UBS placed restrictions on accounts associated with me, which prevented access to funds without prior written notice or a clear explanation. 

While traveling in XXXX, transactions were declined and access to funds was blocked. This created an immediate hardship and put me at risk of being stranded out of state without access to lodging, transportation, or necessary expenses. 

I was not given advance notice that access would be restricted. I was required to make repeated calls to determine why funds were unavailable. Even after checks were issued, access was later blocked or restricted. 

The lack of transparency, inconsistent approvals, and sudden restrictions caused financial harm, stress, and disruption to my family. I reasonably relied on access to these funds and was not informed that access would be limited. 

I am requesting a full investigation into : The reason for the account restrictions The legal authority for blocking access The timeline of internal decisions that led to the restriction Why access was denied after funds had previously been approved Why I was not provided advance written notice These actions caused financial harm and placed me in a vulnerable situation while traveling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I am submitting this complaint regarding a XXXX transaction processed through JPMorgan Chase Bank that resulted from a scam. 

In XX/XX/year>, I was deceived by a scammer into sending approximately {$1200.00} via XXXX. I authorized the payment only because I was misled by false information and fraudulent representations. This was not a legitimate transaction, purchase, or payment to a trusted person. 

After realizing I had been scammed, I contacted Chase to report the fraud and request assistance. However, my claim was denied, and I did not receive reimbursement or meaningful help recovering the funds. 

As a consumer, I believe I was the victim of fraud, not simply a voluntary payment. I am requesting that Chase conduct a thorough review of this case, including any available fraud protections, reimbursement policies, or goodwill options. I would also like confirmation of whether the receiving account was investigated or flagged for fraudulent activity. 

This loss of {$1200.00} has caused significant financial hardship for me. I am asking for a reconsideration of my claim and any assistance available under consumer protection standards. 

I have supporting documentation, including transaction details and any communications related to the scam, and I am willing to provide them upon request. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: CA

Complaint narrative:
On XX/XX/2026, I discovered several unauthorized transactions on my Uber Pro Card issued through Branch. 
The disputed transactions occurred in the early morning of XX/XX/2026 and included : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$200.00} Prior to discovering these, I received a suspicious text alert regarding a {$500.00} unauthorized transfer attempt, which woke me up in the morning. I was at home when I checked my account and found the unauthorized activity. 
I have held this card for approximately XXXX years and have never used it physically at any ATM or point of sale. My legitimate activity on this account has always been performed inside the app only ( in-app transfers ). 
Additionally, there was a separate {$70.00} unauthorized XXXX XXXX transaction, which Branch has already credited back as fraudulent. This unauthorized credit occurred within minutes of the other disputed transactions, confirming that an unauthorized access incident occurred in the same time window.

I immediately locked the card, requested a replacement, and filed disputes for all unauthorized transactions.

Branchs initial response cited only that a PIN was used and concluded no error occurred. However : Use of a PIN alone does not prove authorization under Regulation E ( Electronic Fund Transfer Act, 12 CFR 1005 ), especially given that I do not use the physical card and no evidence was provided tying the transactions to my voluntary, intentional use. 
Branch did not provide documentation showing my physical presence at the ATM or merchant locations.

Branch did not demonstrate that the PIN entry was performed by me or with my consent.

I also called Branchs Disputes team and provided extensive details verbally, including the connection between the {$70.00} unauthorized transaction and the other disputed transactions. Despite this, the Disputes team informed me they would not reopen the dispute without what they termed new information, although the information I provided was not considered or reflected in their written response. 
I previously filed a complaint with CFPB, but Branchs response ignored critical facts, and the complaint was closed without adequate investigation or explanation. I am submitting this complaint again with all supporting details to ensure a complete and thorough review. I am requesting CFPB intervention to ensure that this complaint is not closed again without a full investigation and resolution.

Company response to consumer: Closed with explanation