vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: CAINE & WEINER COMPANY, INC.
State: OR

Complaint narrative:
I called to settle my debt. The lady at Caine and Weiner claimed I had to pay the full balance for it would be removed from my credit profile. I paid the full balance owed and it is still present in my credit report despite her promise it would go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Comerica
State: MO

Complaint narrative:
On XXXX XXXX, 2026, I began receiving notices from my recurring online charges that all the attempts to make payment have failed. I attempted to pay my XXXX XXXX with XXXX, again was told that my XXXX XXXX XXXXXXXX deny payment. Today I called XXXX XXXX and was told there are no holds on the card, and they suggest I get a new card, though couldn't guarantee this would fix the problem. I have Rent due soon, am running out of groceries, need to pay my Electric Bill, Internet Bill, etc. The money is my SSDI funds, I do everything online since I am homebound. 

The accounts so far have been the following, followed by the amount needing to pay : XXXX, {$150.00} XXXX, {$10.00} XXXX : {$6.00} XXXX, {$10.00} I've also attempted to make a purchase through XXXX and XXXX, each were denied for the same reason stated. 

XXXX XXXX said there is nothing they can do but issue a new card, which takes 10 days, or I can pay them {$13.00} to expedite the new card ; though they can not guarantee a new card will fix this issue.

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: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Without warning, PayPal permanently deactivated my account ( the paypal account linked to XXXX ) and stated that it is no longer offering PayPal services due to activity we can not process. 

No specific transaction, policy violation, or category of prohibited activity was identified. I was not given an opportunity to clarify, correct, or contest the classification applied to my account. 

PayPal informed me that the account is permanently deactivated and that remaining funds will be held for up to 90 days before withdrawal is permitted. 

I contacted PayPal to request clarification regarding the reason for the permanent deactivation, including whether the action was based on an Acceptable Use Policy decision, a risk classification, or a compliance determination. I did not receive specific or actionable information in response. 

This account was used to receive lawful payments from legitimate sources. The permanent deactivation prevents me from receiving income and was imposed without a clear explanation or meaningful review process. 

At no point prior to the permanent deactivation was I warned that any activity on my account was considered problematic, high-risk, or potentially in violation of PayPals Acceptable Use Policy or internal risk standards. I did not receive any notice, restriction, limitation, or request to modify or discontinue specific activity. 

The permanent action appears to have been applied retroactively and without prior communication, leaving me with no opportunity to understand PayPals concerns, adjust my account usage, or prevent escalation to a full deactivation. The absence of advance notice or corrective guidance effectively deprived me of any meaningful ability to comply with PayPals policies. 

Given the severity and financial impact of a permanent account deactivation, the lack of warning, specificity, or procedural transparency raises concerns regarding proportionality and due process, particularly where the account was used for lawful transactions and legitimate income-generating activity. 

Permanent deactivation without warning or corrective opportunity is a disproportionate outcome in this context and has resulted in the loss of my ability to receive income.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX regarding the failure to properly close and finalize my vehicle lease after it was returned. 
The leased vehicle was returned to the dealership on XX/XX/2025, with the clear and documented intention of closing the lease and clearing my credit so I could proceed with the purchase of my first home. 
At the time of return, I was informed that the lease closure process would take XXXX to 30 days, and that I should later contact XXXX XXXX to receive the final bill showing a XXXX balance. I followed these instructions in good faith. 
Since then, I have made numerous attempts to contact XXXX XXXX by phone and have also visited the dealership ( XXXX XXXX XXXX ) multiple times. Despite these repeated efforts, the lease has not been properly closed, no final bill has been issued, and the account continues to appear as unresolved. 
As a direct result of this failure, my mortgage application has been severely impacted. I am now at serious risk of losing the purchase of my home. My lender has already granted XXXX extensions, and I am receiving no effective assistance from either XXXX XXXX or the dealership to resolve this matter. 
This situation has caused significant financial harm, emotional distress, and uncertainty. I have been left completely without guidance or resolution, despite complying with all lease return requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Told them cease and desist im never going to pay it was fraud involved and its not my obligation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
I am writing to formally request immediate resolution of an outstanding refund owed to me for interest that was improperly charged to my account during the SAVE forbearance period. This issue was first brought to MOHELAs attention in XX/XX/year>. Despite repeated attempts to resolve it, I have received no meaningful communication, no timeline, and no refund. It has now been well over 7 months, which is unacceptable. Under applicable servicing and consumer protection standards, financial corrections of this nature are required to be processed within 90 days. MOHELA has exceeded that timeframe without justification. Continuing to hold borrower funds without resolution or explanation may constitute improper servicing and failure to comply with regulatory obligations. 

To be clear : - The interest charged during the SAVE forbearance period was not valid - MOHELA has already been notified of this error - There is no dispute as to the nature of the correction - The delay is now solely on MOHELAs end I am requesting the following immediately : - Confirmation that the refund for the XXXX months of improperly charged interest is being processed - A specific payment date for when the refunded amount will be returned to my account - Written confirmation that no further improper interest will be assessed I expect a written response addressing this issue without further delay. 

Sincerely, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/year> wallet was stolen out of my car! within XXXX minutes of my wallet being taken I froze all my cards that were in my wallet XX/XX/year>, XXXX Large amounts were taken from my account! First {$1500.00} with a fraud check but wasn't taken out of my account right away so i was not notified about with amount, then right after they went in with used a withdrawal slip and withdrew {$1200.00}. 

XXXX, I looked at my account and that is where I noticed {$1200.00} was taken from me so I was in Huntington bank Filing a report by XXXX Friday morning. 

XX/XX/XXXX I woke up and looked at my account and noticed {$1500.00} was withdrawn from my account, which now put my balance at XXXX. Again i made my way to Huntington again to file fraud once again. 

I was denied all of these claims. 

So we decided to try again with someone higher up. 

They came back with a {$1300.00} offer which is half of what was taken from me. but my problem is they are telling me this amount is going towards my negative balance I have with Huntington. and still have to owe them {$200.00} some odd dollars to bring my account to XXXX. 

So not only have i lost all that money I am not XXXX Huntington money and not getting any cash back!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I sent a written debt validation request to TSI in late 2025. 

I have not received any debt validation in response. 

Despite this, TSI has continued to contact me by phone repeatedly, beginning approximately XX/XX/year> and continuing to the present. 

Many of these calls are silent, with no representative speaking when I answer. When calls are answered, the individual on the line refuses to identify themselves and claims the matter is personal and medical, while pressing me to disclose information. 

These calls have continued after my written validation request and appear to be ongoing. 

I believe this conduct constitutes harassment and a violation of the Fair Debt Collection Practices Act, including continued collection activity without providing validation. 

I have never received any written notice regarding this alleged debt, including any bill from a medical provider, and I retain receipts from this time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: GA

Complaint narrative:
I have student loans with MOHELA. I have loans for my own schooling, and I have a Parent Plus Loan for my daughter, who is currently enrolled at XXXX XXXX XXXX. I have been requesting an In-School deferment for my Parent Plus Loans since XXXX of XXXX. I have made this request on the MOHELA website in my account XXXX  times over the past XXXX  months, but my request has not been processed. I have messaged them XXXX times, but have never gotten a reply. 

I am eligible for an XXXX XXXX because of my daughter 's enrollment status, but MOHELA will not process the deferment.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In the process of loan modification. Original modification is Home Affordable Modification is now being changed to Loan Modification Agreement ( security deed ) Specific information and clauses have been omitted in new agreement. 
Bankruptcy discharge clause not included. 
Deferred Principal Balance forgiveness ( deferred principal reduction amount ) clause has been removed I've requested : 1. A complete payment history from loan origination to present 2. A breakdown and explanation of all fees, charges, and escrow transactions 3. The name, address, and telephone number of the current owner or assignee of the loan 4. Copies of any escrow analyses conducted on my account 5. Any other documents or information relied upon in servicing my loan

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: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have contacted Loan Care XXXX  or XXXX times since the beginning of XXXX to resolve the discrepancy on my taxes on the 2025 escrow analysis. The taxes paid in 2025 were {$12000.00} and the bank is forecasting my taxes to be {$18000.00} and that I have an additional {$5000.00} shortage when it is not the case. 

The bank is saying that they made XXXX taxes payment to the city in 2025 but XXXX of the payments were never made as per the account screenshot received from the city of XXXX. 

My mortgage went up from {$3000.00} to {$5900.00} almost doubling and it has taken the bank a while to resolve that. Can you please help? what are my options? 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I've been having trouble adding my other bank information onto my Ally bank account. It would tell me that they were not able to process my transaction at this time. I called Ally Bank on XX/XX/year>, spoke with a gentleman who said they needed to submit the issue to XXXX Department to see what was going on with my account, which made no sense to me. It's just a basic money market savings account. Now it's going on two weeks -- It doesn't take that long. I think they're just trying to buy time.

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 — 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: 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 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 — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: VA

Complaint narrative:
Professional Debt mediation has failed to validate this debt according to the Fair Debt Collection Practices Act ( FDCPA ) and relevant state laws. The company is required by law to provide a complete account ledger detailing all transactions related to this debt. The ledger provided only covers transactions from XX/XX/year> onward. This lack of comprehensive documentation prevents me from accurately verifying the amount owed and understanding how this figure was reached. According to the FDCPA, specifically 15 U.S.C. 1692g, I am entitled to request and receive such documentation. I also need to address the claim that a XXXX XXXX made a payment arrangement on my behalf. I have never been married to a XXXX XXXX and do not have any affiliation with anyone by that name. This raises significant concerns about the accuracy of the information you are maintaining. Furthermore, the ledger provided does not include any deductions for the alleged payment arrangement. This omission further substantiates my position that this account is not mine and that the debt has not been properly validated. Given the aforementioned points, I am formally requesting the immediate removal of this account from your records and my credit report. Failure to comply with these legal obligations under the FDCPA and the Fair Credit Reporting Act ( FCRA ) may compel me to take further action, including pursuing legal remedies available to me. Please consider this correspondence a serious matter. I expect a prompt response confirming the removal of this account and an acknowledgment of my dispute. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
I was using Kraken to buy, trade and sell crypto currencies. Everything is fine untill Kraken double charged me when I was using XXXX XXXX to buy crypto currency. I contacted my bank as they requested and I did figure out with my bank but Kraken still kept freezing my account and they even closed my account while my cryptos in my account. I tried to contact Kraken multiple times ( At least XXXX ), I offered them If Kraken lost XXXX $ cuz of me, just sell my cryptos then take the money and release my funds to my attached bank account. Everytime I contacted, they either said that they are escalating this or they didnt even answer me. They are holding my money over XXXX months and my cryptos lost lots of value meantime. 
Kraken is not an honest business and all I want is what is mine!

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: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XX/XX/year>, thieves hacked into my Cash App account and sold all of my Bitcoin, opened a Cash App card, and withdrew 95 % of the money ( approximately {$7800.00} ). They said that my account was shut down, but the transactions were all processed over the next few days. They told me it would take 10 days to investigate the case. I called back time and time again and got no answers. When they finally agreed that the transactions were fraudulent, they returned my money as a " courtesy ''. Only problem, I couldn't get into the account because the thieves had changed the pin code. Cash app would not fix the problem and let me create a new pin code. Instead, I had to create a new account and they would transfer the money into that new account. This occurred last week. Now I need the transaction log for my old account so I can provide tax information to the IRS. They refuse to give me a log of my transactions for " saftey concerns ''. Not sure what those could be. Because of Cash App 's lack of security and slowness for shutting down the account and for my mental anguish and loss of capital growth, I feel that I should be compensated for the opportunity cost lost over the last month. {$5000.00} feels like a reasonable amount.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
XXXX is reporting a collection account in the amount of {$2000.00} on my consumer credit report without ever providing lawful notice or proper validation of the alleged debt. I never received any written notice of this debt prior to it being placed on my credit report, which is a direct violation of FDCPA 1692g ( a ). This violation alone subjects XXXX to statutory damages of up to {$1000.00} per action. 
I formally requested validation of this alleged debt well over 60 days ago, and XXXX has failed to provide any documentation whatsoever. Despite my timely request, XXXX continues to engage in collection activity by furnishing and maintaining this tradeline on my credit report, in direct violation of FDCPA 1692g ( b ), which requires all collection activityincluding credit reportingto cease until proper validation is provided. 
XXXX is further furnishing information it can not substantiate, in violation of FCRA 623 ( a ) ( 1 ) ( A ), and has failed to conduct a reasonable investigation after receiving notice of my dispute, in violation of FCRA 623 ( b ). Reporting an unvalidated collection account does not meet the maximum possible accuracy standard required under FCRA 607 ( b ).

For claritysince these companies routinely act as though they are unawarelawful validation of a collection account requires, at minimum : Proof of legal ownership and complete chain of assignment The original lease, agreement, or contract allegedly creating the debt A full itemized breakdown of the {$2000.00} balance The Date of First Delinquency ( DOFD ) Documentation showing XXXX authority to collect on behalf of or as owner of the debt Accurate XXXX reporting, including proper dispute indicators XXXX has provided none of the above.

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