vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
On XX/XX/XXXX I received multiple calls at XXXX, from the number XXXX, from an individual claiming to be a representative of Navy Federal , I ignored the call however later on that day at XXXX I noticed I had a voicemail from that individual, where they stayed that my account had a transaction that they wanted to verify with me. I called them back thinking they were Navy Federal as the number seemed to be legitimate. During that call the individual impersonating Navy Federal Credit Union told me that my account number had been exposed I questioned them on why I couldn't see the transfer pending in my account and they stated that it was only visible to them in Navy Federal 's system, without actually asking what my account number was, stating that he would assist in getting me a new account number so I would be safe, and in order to safely allocate me a new account number I had to transfer my balance to my savings account but they asked what the balance was and stated afterwards that if I transfer over XXXX to the savings account that it would lock my account as a flag had triggered in their system ( Navy Federal 's System ), and that I could transfer my overflow balance to my XXXX account, as he stated it was a trusted partner of Navy Federal Credit Union. He then had me unlink my previous account number from my XXXX account and link a different card, stating that the new card was the one that would be issued to me and that the zip code was my new account number. Despite my uneasiness I was convinced that the member was an employee at Navy Federal Credit Union, and transferred the money to that card ending in XXXX, and the individual told me that Navy Federal Credit Union would reimburse me for the instant transfer fee of XXXX XXXX The money was then deposited to the bank XXXX XXXX XXXX. And shortly after, after the individual reassured me that they were just waiting for the system to load, they disconnected the call and any further calls would immediately say that the number was not in service. I immediately called Navy Federal Credit Union 's fraud department and they told me I could file a claim which I immediately did, as I had learned that under Regulation E, I should be covered as I was told the individual was a representative of Navy Federal Credit Union. However on XX/XX/XXXX I received an email notifying me that Navy Federal will not be honoring my fraud claim. I immediately requested to have the investigation repealed and I submitted it the same day. However once again, on XX/XX/XXXX I received a physical letter in which they stated they had done a second review and that they believe they made the correct actions and I am responsible for the full amount of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
My name is XXXX XXXX and Apple Card/ Goldman Sachs is reporting a fraudulent Apple Card in my name. I have never applied nor held this type of account. I have disputed this account not only with them, but with all XX/XX/XXXX credit bureaus as well. They keep verifying that this debt is mines and has yet to furnish me with proof of this debt ; when/ where it was opened, signed contracts, email addresses, payment accounts, ip addressed, etc... facial recognition as this is a digital product. I'm asking that they immediately open an invesitgation and stop reporting this negative/ fraudulent account to the credit bureaus as it is disrupting my financial part of my life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I was the victim of a phishing scam impersonating XXXX sellers. I was directed to a fraudulent verification page that requested a PayPal login to verify my account. I did not intend to authorize any purchase or payment. Shortly after logging in, an unauthorized transaction was made to XXXX PayPal denied my claim twice by incorrectly categorizing the transaction as authorized, even though the transaction resulted from phishing and credential harvesting. I immediately contacted my bank, secured my accounts, and reported the fraud. I am requesting PayPal reverse the unauthorized transaction and remove the negative balance created by this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Subject : Complaint Regarding Wrongful Repossession and Sale of Vehicle My name is XXXX XXXX and I am submitting this complaint regarding my auto loan with Westlake Financial Services, loan account number XXXX, for a XXXX XXXX XXXX. In XX/XX/XXXX, I took my vehicle to a repair facility named XXXX XXXX in XXXX, Florida. The repair costs totaled approximately {$8100.00}. I paid {$2000.00} toward the repairs, leaving an outstanding balance with the repair shop. On or about XX/XX/XXXX, the repair shop released the vehicle to Westlake Financial Services. At that time my loan account had only XXXX past-due payment for the XX/XX/XXXX installment. I never received any written notice from Westlake Financial Services informing me that the vehicle had been repossessed. Before XX/XX/XXXX, I contacted the lender with the intention of making a payment and bringing the account current. During that call I was informed that I would need to pay approximately {$9500.00} to recover the vehicle. I requested written documentation explaining that amount but none was provided. On or about XX/XX/XXXX, I was informed that the vehicle had already been sold. I never received any of the legally required notices prior to the repossession or the sale of the vehicle. I also never received documentation showing the date of sale, the price of sale, or the calculation of any remaining balance. Despite this, representatives from Westlake Financial Services continue to contact me requesting payment for the XXXX and XXXX installments without providing any documentation validating the alleged debt. I believe this conduct may violate Florida consumer protection laws related to repossession and sale of collateral, as well as federal consumer protection standards regarding debt validation and fair collection practices. I am requesting that Westlake Financial Services provide the following : XXXX. Proof that proper notice of repossession was sent to me. XXXX. Proof that proper notice of sale of the vehicle was sent to me. XXXX. Documentation showing the date and price of the vehicle sale. XXXX. A complete accounting of the alleged balance owed. XXXX. Correction of any inaccurate reporting related to this account. Until this documentation is provided, I formally dispute the alleged debt. I respectfully request the assistance of the Consumer Financial Protection Bureau in investigating this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: NY

Complaint narrative:
Date : XXXX Name : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXXXXXX : Formal Complaint Improper Collection Reporting & Failure to Validate Debt To Whom It May Concern, I am submitting this complaint regarding a collection account being reported on my credit report by TransUnion that I believe is inaccurate and has not been properly validated. This account recently appeared on my credit report and caused my credit score to drop approximately XXXX points. I dispute the validity of this alleged debt and have requested proper validation of the account. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and Regulation F ( 12 CFR 1006 ), I have the right to request validation of any alleged debt. To date, adequate validation and supporting documentation have not been provided. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure that the information they report is accurate and verifiable. Reporting a debt without proper verification may constitute a violation of the FCRA. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and require the reporting party to provide the following : 1. Verification and validation of the alleged debt. 2. Documentation showing that the reporting entity has legal authority to collect the debt. 3. Copies of the original agreement or contract bearing my signature that created the alleged obligation. 4. A full itemization of the alleged balance including fees and charges. If the reporting party can not properly validate this debt, I request that the collection account be removed from my credit report immediately. This inaccurate reporting has negatively impacted my credit profile and financial standing. Thank you for your time and assistance in resolving this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I operate an online clothing store and use PayPal as a payment processor. Recently, PayPal froze my business account after receiving a supposed XXXX XXXX XXXXr ( XXXX ) from XXXX XXXX XXXX referencing Case No. XXXX ( XXXX XXXX XXXX v. The Individuals et al ). I contacted PayPal by phone on XX/XX/XXXX and XX/XX/XXXX, and also emailed multiple PayPal addresses. The hotline operators could not provide the legal document, and email responses only redirected me back to the hotline. I independently verified the case number through XXXX and the XXXX Courts system, and confirmed that this case does not exist. This indicates the XXXX is fraudulent. PayPal froze my account based on a nonexistent case number and has not provided any customer protection steps against such scams. This freeze is harming my business operations and withholding funds without legal basis. I request CFPB intervention to compel PayPal to provide documentation of the XXXX they claim to have received, and to release my account and funds if no valid court order exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: NJ

Complaint narrative:
Recently a collection was posted on my credit bureau from your agency. Your collection needs the following criteria in order to be valid. XXXX ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC v. Cavalry Portfolio Associates ( XXXX ). XXXX ) A copy of any agreement signed with the debt procuring party. XXXX ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. XXXX ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collection is fraudulent and must be dismissed with all pertinent credit reporting agencies immediately. XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NJ

Complaint narrative:
Recently a collection was posted on my credit bureau from your agency. Your collection needs the following criteria in order to be valid. 1 ) A signed assignment or power of attorney to legally pursue a collection under FDCPA guidelines. The FTC mandates this from FTC XXXX XXXX XXXX XXXX ( XXXX ). 2 ) A copy of any agreement signed with the debt procuring party. 3 ) A written notice of the collection being posted on my credit report, in addition a number of the surety bond necessary to be a debt collector in my state of residency. 4 ) A license number of your collection status filed in my state of residency, or a license number if your agency is a debt buyer. That license number would be federal with the XXXX. Your agency has fulfilled none of those criteria. Accordingly, the collection is fraudulent and must be dismissed with all pertinent credit reporting agencies immediately. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
I open a card in XXXX of XXXX only used XXXX dollars but they tryed to take me to court for XXXX not only did they sale my information to a XXXX party they didnt even show up for court and this is still on my credit card til this day it needs to be removed if you cant send me proper information or even show the court proper information than why is it still on my report.. I reported this XXXX times on my transunion account and it keeps coming back that they didnt have any information but its still on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These companies have incorrect open account dates, these accounts have conflicting balances. I am seeking for these items to be blocked from showing up on my credit, and/or removed. To Whom It May Concern, I recently received the results of my dispute investigation regarding several accounts on my credit report. Your response indicated that the accounts were verified as accurate. Under the Fair Credit Reporting Act 611 ( a ) ( 7 ), I am requesting a detailed description of the method of verification used in your investigation. Please provide the following : 1. The name, address, and phone number of the person or department contacted to verify the information 2. The documentation used to verify the accounts XXXX. The method used to confirm the accuracy of the reported information The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX If you can not provide documentation showing the accounts were properly verified, the items must be deleted from my credit report under the Fair Credit Reporting Act. Please respond within the time required by law. Sincerely XXXX 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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
On XX/XX/year> my paycheck of {$10000.00} was deposited to cashapp. At XXXX a bitcoin purchase was made from my account from an android device in ND. At XXXX the crypto was cashed out for {$9900.00}. At XXXX another bitcoin purchase was made for {$180.00}. Also at XXXX the bitcoin was sold for {$170.00}. The hacker then sent {$170.00} to a cashapp under the name of XXXX XXXX. I woke up at XXXX XXXX and checked for my deposit and saw the transactions. As soon as cashapp support opened at XXXX I called and made a report. I then made a police report and filed an XXXX report. I called back to cashapp support around XXXX XXXX. While on the phone another android device from CT accessed my account at XXXX despite that I had kicked the other device off and changed my account pin. Cashapp advised they escalated my claim and that it was a XXXX day investigation period. I followed back up via chat today where I was told it was escalated again. I then received an email from a supervisor saying bc it is crypto I will not be getting a refund. I am a single parent and work hard for my money I have no way to feed my kids and pay my bills and had a plumbing leak that flooded my home last week warranting a plumbing repair of {$7200.00} which was to be paid XX/XX/year>. I have an ongoing homeowners claim where my house had to undergo water mitigation and demolition and still needs the reconstruction and I have a {$10000.00} deductible. I work hard and honest to provide for my family and am now at risk of me being criminally charged for theft of services with the plumber and homeowners service providers due to someone else 's dishonesty. Please help!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, an order from XXXX was attempted to be delivered by XXXX. I never received the package. Despite this, the order was marked delivered and signed for by someone I do not know. Despite being marked delivered, XXXX tracking records show subsequent attempts on the XXXX, XXXX, and XXXX ( All of which were marked unsuccessful ). On XX/XX/XXXX, the status of the package was updated to " Returning package to shipper '' with a valid tracking number, whose history shows a successful return to the merchant. The status on the XXXX showing delivered and signed for by an UNRECOGNIZED party is likely an error ( or negligence ) on the courier 's ( XXXX ) part, which may explain the continued activity beyond the supposed delivery date. On XX/XX/XXXX, I placed a dispute with Citibank in hopes of getting my money back for this undelivered order. Despite this evidence, Citibank has determined that the package was delivered on XX/XX/XXXX based on the tracking alone. If this were the case ( And if they looked closer ), then how come there were multiple attempts after the XXXX? Why would XXXX mark a package as " Out for Delivery '' multiple days in a row after its supposed successful delivery? And why would the tracking show it was returned to the sender? I am arguing that Citibank 's investigation was flawed and negligent of the fact that the package had continuous delivery attempts after the XXXX and was returned after those attempts failed. If the package has to be returned to the merchant, then I am to get a refund of the credit I used, but Citibank claims that the package was delivered and has ruled the dispute against my favor. My purchase was never fraudulent ; I fully intended to buy the product, but since the order failed to be delivered and needed to be returned to the sender, I expect a refund.

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 2026-03-09 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:
These companies have incorrect open account dates, these accounts have conflicting balances. I am seeking for these items to be blocked from showing up on my credit, and/or removed. To Whom It May Concern, I recently received the results of my dispute investigation regarding several accounts on my credit report. Your response indicated that the accounts were verified as accurate. Under the Fair Credit Reporting Act 611 ( a ) ( 7 ), I am requesting a detailed description of the method of verification used in your investigation. Please provide the following : XXXX. The name, address, and phone number of the person or department contacted to verify the information XXXX. The documentation used to verify the accounts XXXX. The method used to confirm the accuracy of the reported information The accounts in question include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you can not provide documentation showing the accounts were properly verified, the items must be deleted from my credit report under the Fair Credit Reporting Act. Please respond within the time required by law. Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I submitted a refund via CashApp and filled out a complained but was not given any further information about my request. This isnt the first time either. CashApp has been bad at the refunds sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
XXXX XXXX XXXX, how in the world has this ever taken PLACE as this? Oh, that's right, silly me. Well, when our top law enforcement is throwing XXXX XXXX XXXX around as if they have more powers than this constitution,! and then we got those Wells Fargo XXXX XXXX XXXX. What is the Heck was that last letter they wrote? Hey My Dear XXXX IS RIGHT HERE. I sure hope you all are going to show her and me a little respect., Um, XXXX XXXX GETS TO KEEP THAT XXXX ; YES, SHE DOES, Wells Fargo, XXXX XXXX. MY MOTHER PUT ALL HER TRUST, INTO YOU. OH YA THIS BANK XXXX MADE MONEY IN THIS DEAL, AND THAT TRUSTING XXXXHOW I WOULD LOVE TO FIND HIM TODAY. THIS BETTER BE COMING TO A END WITH YOU, WELLS FARGO AND XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX THAT XXXX XXXX XXXXXXXX XXXX. OH MY XXXX, OPEN YOUR EYES. LOOK AT THESE XXXX XXXX ' XXXX XXXX XXXX XXXX My XXXX struggled to make ends meet. SHE KNEW SHE GAVE UP TRYING TO TELL ME. OH MY XXXX, I DIDNT TURN MY HEAD AND WALK AWAY, ,I NAILED IT. ACCOUNTABILITY IS A MUST. THIS IS GOING TO BE A VERY CLEAR CONSEQUENCE, XXXX & 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 2026-03-09 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I tried using the Amex gift card at several online companies only to be declined. If you can tell me which companies accept an Amex gift card online without it having to be registered to the person using it that would be appreciated.

Company response to consumer: Closed with explanation