vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: LA

Complaint narrative:
I am submitting a complaint against several debt collection agencies for what appear to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the agencies failed to provide sufficient documentation to establish that I am legally responsible for these accounts. Specifically, they did not produce key records such as original agreements, proof of ownership, complete account histories, or evidence of their authority to collect. Despite this lack of verification, collection activities and credit reporting appear to have continued. This raises concerns about potential violations of the Fair Debt Collection Practices Act ( FDCPA ), including failure to properly validate debts and the use of misleading or unfair collection practices. It also raises concerns under the Fair Credit Reporting Act ( FCRA ), particularly with respect to the accuracy of reported information and the adequacy of any investigation into disputed accounts. Overall, the conduct described suggests that these agencies may be attempting to collect on unverified debts and may be reporting potentially inaccurate information, indicating possible broader noncompliance with federal consumer protection requirements.

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 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I'm requesting Arbitration and I need the legal Counsel Info for Wells Fargo Bank....

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I was home sick on XX/XX/XXXX at XXXX XXXX XXXX XXXX Texas XXXX when I received a notification from Affirm that there was a transaction from a XXXX store for XXXX in XXXX XXXXi immediately locked the physical card in the app and called they explained there was nothing they could do until that transaction posted which took approximately 5 days I the called back and started the dispute. Its not XX/XX/year> and I still have no resolution to the matter. My debit card was also used via XXXX XXXX for XXXX at a XXXX in XXXX XXXX 5 minutes after the XXXX transaction my bank has investigated and resolved that issue within 5 business days. Affirm however has been terrible. No communication no answers just told to wait. Ive been patient. Its been 30days and I have no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
On XXXX PayPal paid {$3900.00} out of my PayPal account to a person named, XXXX XXXX XXXX I do not know this person. I did not initiate or authorize PayPal to pay this person. I did not receive any goods or services from this person. I contacted PayPal and told them this was fraudulent activity on my account. They investigated and notified me that they found that this activity was not fraudulent. PayPal proceeded to send me email and texts telling me I had a negative balance on my account and to pay that amount. They attempted to retrieve that money from my bank account, but my bank denied the transaction. On XX/XX/year> I received a letter from XXXX XXXX XXXX XXXX stating that they were trying to collect the {$3900.00} from me. I have filed a complaint to the Attorney General of Virginia Consumer Protection Center, a complaint to IC3 and an Identity Theft Report to Federal Trade Commission. A couple of days ago, I received an email from PayPal stating that I deleted my phone number from my account, which I did not. I immediately changed my PayPal password for the 2nd time since this all started. Note : My PayPal account 's last name is under my maiden name, " XXXX ''. I have since gotten married and my current last name is " XXXX ''. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/year>, PayPal offered me a {$40.00} promotional credit for opening a PayPal credit card account to purchase a product from The XXXX XXXX, and this credit would be applied to that purchase. I made the purchase on the same day. I never received the promotional credit from PayPal or PayPal Credit/Synchrony Bank and each company/organization told me to speak to the other. Neither had any idea how to process the credit to my account. I spoke to at least XXXX agents from each organization. Neither works through email to document how they assist their customers, so there is no documentation I can share. PayPal also will not let me download chats with customer service representatives. I took screenshots when I started to realize that my request was not being fulfilled.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection. EASTERNACCOS ( Original Creditor : XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX 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 2026-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
I filed bankruptcy due to identity of broad hacking. Im on the dark web. All my information was sold thousands of times XXXX sold my information in the data breach XXXX at the time when I got this car they sold me a lemon car with brought it out frame and a bent axle. I put over {$5000.00} in the car to try and fix it go. I had a job last week cause I didnt need a fraud hacking so I couldnt make that {$300.00} payment out while behind because I keep on fixing the car to keep it running so I can kind of go to work file bankruptcy that car supposed to be with a bankruptcy so I dont know these people nothing the same with my bankruptcy thats why I filed bankruptcy thats for everything so I can start fresh and new and not be stressed out again after filing bankruptcy, but didnt even help me at all because everything should be off my credit report and its not so I got a big problem. My car was included in the bankruptcy. Thats why I filed for everything plus my car that was the number one thing.

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 2026-05-05 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: MD

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 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am reporting unauthorized access to my bank account and fraudulent transactions. On or about XX/XX/XXXX I was fully logged of my account and couldnt access it till XX/XX/XXXX when I was otp with chime and their fraud/dispute team, I discovered that my account with Chime had been accessed without my permission on the day of XX/XX/XXXX& XX/XX/XXXX. A total of approximately {$3700.00} was taken through transactions that I did not authorize. The unauthorized activity includes : Two unauthorized fraud transactions in the amount of $ XXXX.one fraud transaction in the amount of XXXX to XXXX XXXX on XX/XX/2026 and another fraud transaction in the amount of {$2000.00} to XXXX XXXX on XX/XX/2026. The type of transaction seems to be a blocked user online virtual transaction. After hacking my account they sent themselves {$2000.00} on XX/XX/XXXX & {$1700.00} XX/XX/XXXX. I lost access to my account the morning and day of XX/XX/XXXXand nothing was working to obtain back access until XX/XX/XXXXwhen I spoke with chime representatives and filed a dispute and fraud case. I did not give anyone permission to access my account, and I did not make or approve these transactions. At the time of the incident, I still had possession of my debit card, and I did not knowingly share my account information with anyone. After discovering the fraud, I took the following actions : Asked chime to integrate the sent to accounts and location an devices Contacted Chime and reported the unauthorized transactions Secured my account ( changed password/PIN and froze my card ) Gathered documentation of the fraudulent activity I am requesting that this incident be documented as fraud/identity theft and investigated. I also request a copy of this report or the case number for my records. I certify that the above information is true and correct to the best of my knowledge.all of this was submitted to chime by XX/XX/2026

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My mother informed me that a friend of hers was selling a used car. I reasonably believed she was communicating with this individual directly in person, as they live in the same town. However, I later learned that the communication was taking place through XXXX, and that the individuals account had been compromised. The person requested a down payment, stating that I lived out of town and would not be able to pick up the vehicle for several weeks. As a precaution, I enabled purchase protection when sending the payment. I sent {$1900.00} on XX/XX/2026, and reported the issue the following day on XX/XX/XXXX. XXXX did not respond until XX/XX/XXXX and has not provided any meaningful explanation for denying my claim. Despite stating that documentation supporting their decision could be provided upon request, they failed to supply any such information. Additionally, their support system has made it extremely difficult to obtain further clarification or assistance. I requested the documentation XXXX stated they used to make their decision on my dispute. Specifically, I asked for : The evidence and materials reviewed during their investigation The specific reason my transaction was deemed ineligible for Purchase Protection The classification of the transaction ( e.g., what policy or prohibited category it fell under ) Any internal notes or findings related to the case XXXX informed me that I could request this documentation by email, but despite doing so, they did not provide any of the requested information and only repeated that the transaction was not covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: 1st Franklin Financial Corporation
State: GA

Complaint narrative:
I am filing a complaint regarding First Franklin Financial Services. My father passed away in XX/XX/XXXX. In XX/XX/XXXX, I contacted the company to notify them and ask about his loan for a XXXX XXXX XXXX. During that conversation, I was told there was a lien on the vehicle and that the vehicle could be taken if payments were not made. Based on that information, I began making payments to prevent losing the truck. I paid approximately {$1200.00} total, with four payments made by card and the remainder made in cash at the local branch. All payments were accepted, receipted, and applied to the account. After the account was paid off, the local branch manager verified with the Georgia Department of Revenue and the tag office that there was never a lien recorded on the vehicle. This information was also communicated to the companys home office. I was not a co-signer on the loan and there was no estate established, meaning I was not legally responsible for this debt. The payments were made solely because I was told there was a lien and that the vehicle could be taken. The local branch manager has been helpful and has attempted to get my money reimbursed. However, the companys home office and their attorneys have refused to reimburse me. I was instructed to dispute the card payments through my bank, but both XXXX XXXX and XXXX denied disputes because the transactions were authorized. The company is also refusing to reimburse the cash payments. I believe I was misled into making payments based on incorrect information provided by the company, which directly caused financial loss. I am requesting full reimbursement of the {$1200.00} paid under these circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/year>, I formally canceled my account with XXXX XXXX and received written cancellation confirmation. The cancellation was processed under agreement # XXXX and included a final cancellation payment. Despite cancellation, I was charged {$80.00} on XX/XX/year>, and an additional {$80.00} charge was later processed for personal training services. No personal training services were provided after the cancellation date. I have included the calendar to show I have not had training services for more than 30 days. I am being charged for services I was told was cancelled and settled. The cancellation confirmation reflects termination of my account but is ambiguous regarding separate agreements, and I was verbally informed that all services were canceled. These charges represent billing after cancellation for services not rendered. I am requesting reversal of both charges as billing errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I signed up for a 84 month promotion that financed a generator for " equal payments over 84 months '' and 0 % interest. As long as I pay $ XXXX, I am not to be charged interest. If I walk into Lowes and make a purchase, within 2 business days ( once the charge goes through ) I pay that exact amount, and then pay the $ XXXX every month on either the XXXX or XXXX of the month ( well in advance of my due date which is the XXXX each month, and usually the day the statement comes out ). Twice now I have been charged interest by Lowe 's ( Synchrony Credit Card ) despite doing the above. I call them and they adjust the interest charge, but I shouldn't have to be surprised like this every month when I receive my statement. This is borderline fraudulent.

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 2026-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
Executive Summary : I am filing this complaint because NewRez has failed to accurately process a Private Mortgage Insurance ( PMI ) removal request and has subsequently failed to respond to a formal dispute ( Notice of Error ) delivered via Certified Mail. Despite providing a professional Comparative Market Analysis ( CMA ) and documentation of over {$90000.00} in capital improvements, the company claims to have " no record '' of the dispute more than 30 days after documented delivery. Timeline and Actions Taken : XX/XX/XXXX : I contacted the servicer to confirm PMI removal requirements. An agent confirmed that an LTV of less than 80 % was required. I submitted the written application and the required appraisal/BPO fee. At this time, the loan balance was {$390000.00}. XX/XX/XXXX : A broker performed a Broker Price Opinion ( BPO ). My spouse provided the broker with a list of significant improvements, including three new HVAC systems, a new roof, and a renovated laundry room. XX/XX/XXXX : The servicer denied the request, claiming the LTV was 83 %. Contradicting the information provided on XX/XX/XXXX, the servicer now claimed a 75 % LTV was required. XX/XX/XXXX : I spoke with a representative who provided the BPO report. The BPO was fundamentally flawed, utilizing a primary comparable sale from XX/XX/XXXX ( nearly a year old ) and a property significantly smaller ( under 2,600 sq. ft. ) than the subject property ( over 3,300 sq. ft. ). XX/XX/XXXX : I mailed a formal dispute package via Certified Mail with Return Receipt Requested ( Tracking # XXXX ). This package included a Professional CMA from a local broker valuing the home at {$530000.00} ( 74.5 % LTV ) and receipts for {$91000.00} in capital improvements. USPS tracking confirms the item was delivered and picked up by an agent in XXXX, XXXX, on this date. XX/XX/XXXX : After receiving no response for over 30 days, I called the servicer. The representative stated there was " no record '' of the appeal being received. I provided the specific tracking and return receipt numbers. The agent promised a callback from the appeals department within 24 hours. XX/XX/XXXX : The promised 24-hour window passed with no contact from the servicer. Desired Resolution : I am requesting that the servicer honor the 80 % LTV threshold for PMI termination. Given the {$91000.00} in documented capital improvements ( including three HVAC systems and a new roof ), this request qualifies for the valuation standards set forth in secondary mortgage market guidelines ( XXXX XXXX XXXX ) regarding property improvements. I am requesting the immediate termination of PMI and a refund of all PMI premiums paid since the original request in 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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA)
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

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 2026-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Can you take a look at this entry? Its late and might be inaccurate.

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 2026-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with non-monetary relief