vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial
State: NJ

Complaint narrative:
On XX/XX/year>, I submitted a payoff payment in the amount of {$1200.00} to Koalafi. The payment cleared via ACH and is labeled Payoff in my account history. After this cleared payoff, my account was reactivated and a remaining balance began appearing as due. Additional ACH activity occurred following the cleared payoff. I contacted Koalafi multiple times to request clarification and to have my payment method removed to prevent further withdrawals. My requests were not resolved, and I was unable to stop additional billing through the company. As a result, I was forced to contact my bank to block further ACH withdrawals. Despite the cleared payoff and my repeated attempts to resolve the issue, the account continues to reflect a remaining balance and collection activity. I am disputing the remaining balance and any further attempts to collect funds on this account. Based on the cleared payoff payment, the account should reflect paid in full. I am requesting that Koalafi correct the account, cease collection activity, and provide written confirmation that the account has been properly closed. Documentation of the cleared payoff and current account status has been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: TN

Complaint narrative:
I purchased two XXXX XXXX money orders for {$1000.00} each on XX/XX/XXXX. I never cashed them and have the originals in my possession. I filed a refund request ( with fees paid ) on XX/XX/XXXX. Western Union placed a stop payment on the money orders in XX/XX/XXXX from what they told me when I called them but the email I received has a different date then XXXX after XXXX attempted calls I still was never issued a refund. Western Union now claims the money orders have a {$0.00} balance and were escheated due to age. However, the printed terms state service charges begin after XXXX months at {$1.00} per month and may not exceed {$120.00} per money order. The money orders could not legally be reduced to {$0.00} by fees, and I never received any refund. I request a formal review and resolution, including documentation for any escheatment or remaining balance owed to me.I still have money orders with receipt attached the Money order numbers are ( XXXX, XXXX agent # XXXX both {$1000.00} purchased from XXXX XXXX TN XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
I am filing this complaint regarding the continued reporting of inaccurate, incomplete, and unverifiable debt buyer and collection accounts on my credit file. Despite formal disputes, the following companies continue reporting without providing competent documentation : XXXX XXXX XXXX account ending in XXXX and XXXX These entities have failed to provide signed contracts, lawful chain of assignment, complete payment histories, or documentation establishing the Date of First Delinquency. This conduct violates : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher duty to investigate 15 U.S.C. 1692e False representation of debt I am requesting immediate deletion of all unverifiable tradelines and confirmation of compliance. Failure to resolve will result in further regulatory escalation and civil enforcement of my rights under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: AL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: MD

Complaint narrative:
This is a formal follow-up to my prior communication. I am demanding a full explanation of what occurred, why it occurred, and who authorized the retention or reporting of any data connected to my name. Your failure to provide a transparent account of your actions is unacceptable and directly conflicts with your legal obligations. Let me be absolutely clear : I am demanding immediate deletion of any and all data, records, or reported information that can not be verified with complete, physical, legally compliant proof. Every data point must be 100 % accurate, fully validated, and lawfully obtainednot assumed, not estimated, and not based on incomplete internal records. You have no consent to retain or report information that violates federal or state law. Your continued non-compliance constitutes a breach of your responsibilities under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I purchased a XXXX XXXX XXXX XXXX XXXX from XXXX for approximately {$1100.00} USD via PayPal. The device was represented as genuine but is counterfeit it fails hardware authentication in XXXX official XXXX XXXX XXXX XXXX I only discovered the counterfeit nature of the item shortly before filing my claim, as counterfeit diagnostic tools are not immediately distinguishable from genuine ones until used with official manufacturer software. I filed a PayPal Buyer Protection claim immediately upon discovering the fraud. PayPal denied my claim in approximately XXXX minutes, citing that I did not file within 30 days of purchase. However, PayPals own published Buyer Protection policy provides 180 days from the transaction date to file a claim no 30-day limitation exists anywhere in their published policy terms. PayPal applied a fabricated policy restriction to automatically deny a {$1100.00} counterfeit goods claim without any meaningful human review. A legitimate review of a four-figure counterfeit goods dispute can not occur in XXXX minutes. This denial is both factually incorrect as to PayPals own published policy terms and represents an unfair and deceptive claims practice that left me without recourse after purchasing counterfeit goods from a fraudulent seller PayPal facilitated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding the continued reporting of inaccurate, incomplete, and unverifiable debt buyer and collection accounts on my credit file. Despite formal disputes, the following companies continue reporting without providing competent documentation : Spring Oaks Capital , LLC These entities have failed to provide signed contracts, lawful chain of assignment, complete payment histories, or documentation establishing the Date of First Delinquency. This conduct violates : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher duty to investigate 15 U.S.C. 1692e False representation of debt I am requesting immediate deletion of all unverifiable tradelines and confirmation of compliance. Failure to resolve will result in further regulatory escalation and civil enforcement of my rights under 15 U.S.C. 1681n and 1681o. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Porsche Financial Services, Inc.
State: NY

Complaint narrative:
1-I did pay XXXX extra credit to be applied to my principle balance over a year however the company only appied less than half the amount and played with my payment history amount for example on XX/XX/year> i did pay XXXX from my bank account ( changed the amount from XXXX to XXXX $ ) and on XX/XX/year> i did make an extra payment of XXXX they changed the history from XXXX to XXXX Any additional payments they misleading the customers instead of applying it to the principles they keep the extra payments on the side as credit!!!! I did read reviews online anither customers had similar issjes

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: NATIONAL DEBT RELIEF LLC
State: PA

Complaint narrative:
I signed up with National debt relief in an effort to improve my credit. After a year of being told that I was building up a " savings account '' that would be transferred to my debt after settlement. After reading many negative online reviews for this service. I called to then cancel my service. When I called I was told I'd incur a {$500.00} fee for the services rendered and that the remaining money would be transferred back to me ( It was almost {$6000.00} ). After time I needed to take about this decision, I decided to cancel the service only to be told that all of the money was for a " fee paid to national debt relief '' and that only around {$860.00} was coming back to me. This is stealing. Not a single person told me I was to pay National Debt Relief first, and I was always told that the money I was paying was going towards my debt, only a portion of the money I was paying was to go towards fees for services rendered. I spoke to a woman XXXX who's a senior adviser who said they refuse to give call logs and what details I agreed to over the phone ( most conversations were extremely confusing and only leading me to pay MORE money than what I could actually afford ) and that all of my data would be deleted after I cancel. I don't know who is going to read this but this has ruined my entire life. I spend a year thinking that my payments were going towards the improvement of my situation and it literally has destroyed my life and my mental health knowing that none of that has helped my situation, and I just forfeited almost {$6000.00} for absolutely nothing. This should be illegal as it is at the very least unethical and misleading. I want my money back, I want to try and pay my debt off, I wanted to have a good life and now my life is totally ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
MIDLAND CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX 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 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was going through my credit report and came across some late payments that I do not agree with. I took the time to send letters about this more than 30 days ago and have not received anything back since. Not once has anyone reached out to me with documentation or any kind of proof that these late payments are legitimate. It is discouraging to feel like my concerns are just being ignored when this is something that directly affects my financial life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
I am filing this complaint regarding the continued reporting of inaccurate, incomplete, and unverifiable debt buyer and collection accounts on my credit file. Despite formal disputes, the following companies continue reporting without providing competent documentation : SEQUIUM ASSET SOLUTIONS Account ending XXXX These entities have failed to provide signed contracts, lawful chain of assignment, complete payment histories, or documentation establishing the Date of First Delinquency. This conduct violates : 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher duty to investigate 15 U.S.C. 1692e False representation of debt I am requesting immediate deletion of all unverifiable tradelines and confirmation of compliance. Failure to resolve will result in further regulatory escalation and civil enforcement of my rights under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
NATIONAL CREDIT is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT 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 explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
We initiated a balance transfer from XXXX XXXX in order to transfer our balance from our Target Credit Card. XXXX XXXX has confirmed that they sent a check for the amount of {$830.00} to them at the following address : Td bank XXXX XXXX XXXX XXXX. XXXX New Jersey XXXX Check number XXXX XXXX XXXX Confirmed that the check Cleared on XX/XX/XXXX ( actually cashed by TD Bank ) Target Card customer service confirmed this as the correct address and claims to not have received the payment. Therefore on XXXX I Opened Dispute : Target dispute case id number : XXXX I was given the credit for the payment while they investigated. I was told it can take up to XXXX days. Today I was informed that my credit for the payment was reversed. No other information. But they have cashed my check sent by XXXX XXXX and now I have this balance on XXXX cards!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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:
In XX/XX/XXXX, I opened a PayPal XXXX account to receive payments for legitimate digital services, including XXXX optimization, web development, and digital marketing. Since opening the account, I have processed approximately XXXX in transactions with zero chargebacks, zero disputes, and zero claims. I completed identity verification as requested. In late XX/XX/XXXXXXXXXXXX PayPal placed an abrupt restriction on my account without any prior notice, warning, or clear explanation. As a result, XXXX in funds became completely inaccessible. I contacted PayPal support and submitted all requested documentation, but received no meaningful response or justification for the restriction. My business activities are fully compliant with PayPal 's Acceptable Use Policy, and none of my services fall under any prohibited category. Despite my clean record and full cooperation, PayPal has refused to release the funds or restore my account access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting this complaint to formally dispute inaccurate, incomplete, and unverifiable information currently appearing on my credit report. After carefully reviewing my report, I identified entries that do not accurately reflect my true credit history. These inaccuracies are negatively impacting my credit profile and overall financial standing. I request a thorough and detailed investigation of all disputed information. If any item can not be properly verified or is found to be inaccurate, I am requesting its immediate correction or complete removal from my credit report. Please review the attached documents provided in support of my dispute and ensure that my credit file reflects only accurate and verifiable information. I also request written confirmation once your investigation has been completed and the necessary updates have been made. Thank you for your prompt attention to this matter.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: AL

Complaint narrative:
PLAZA SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research PLAZA SERV 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 explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: AL

Complaint narrative:
SOURCE RECVB is falsely reporting on my credit. I have never had any accounts with them. Per my research SOURCE RECVB 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 explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/year> I attended a concert with my partner, who is the joint owner of the bank account with me. They lost their wallet at this concert and we did not notice until XX/XX/year> that fraudulent charges were being made from our checking account and their wallet was fully missing. A claim was immediately made once we noticed. This claim then got denied on XX/XX/year>, because there was no suspicious activity found. If you take a look at the account, most of those purchases were made at stores that we do not have a history of ever shopping at. Some were also made for exact XXXX amounts, likely because the person with the card was buying gift cards.

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 2026-03-03 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: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
XXXX I took part in a XXXX live auction for a XXXX XXXX. The seller through the platform admitted to the platform was deceptive and didnt follow the buyer protection policy. All cards were not shown in stream and all cards were not left on screen. There are photos showing cards set of camera attached. Seller ignored me when I asked for refund. Reached out to my Robinhood credit card once XXXX refused refund despite video evidence, photo evidence and communication with the seller. XXXX does not share results of the finding Robinhood denied most of the transactions through the seller but sided with me on one transaction. They claimed it was because the merchant said the seller was not at fault despite evidence. The items I received were not what was described in the buying process and there was no way to verify what I was supposed to receive due to the seller not showing all of the cards per policy. {$320.00} whos that it totaled to with roughly 40 transactions : the seller broke up all transactions instead of putting it in one. Both XXXX and Robinhood Banking need to step up on their buyer protections.

Company response to consumer: Closed with explanation