vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 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

Complaint narrative:
PayPal permanently limited my account and provided conflicting explanations for the decision I was initially told the limitation was due to security reasons but later I was told the account was restricted because it was inactive. When I requested clarification and asked about an appeal or review process I was informed that no appeal was available and the decision was final. I am submitting this complaint because I was unable to obtain a clear and consistent explanation for the permanent limitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: VA

Complaint narrative:
A collection amount of {$190.00} was wrongly placed on my XXXX credit file on XX/XX/XXXX, original creditor XXXX XXXX XXXX XXXX. My son and I share the same name and address, my son confirmed he stayed at the resort in XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX He has receipts of his stay and nothing was sent to collections, we both called XXXX XXXX to confirmed if he owed anything and they said no, they would not have placed a collection on his account because he didn't book his stay directly with XXXX but they confirmed he stayed there at that time. The rep said that if any debt is owed it would be through the company he bought the vacation package from. We call the company that he booked his stay through which was VXXXX XXXX in XXXX XXXX, they also verified no debt was owed and his vacation was paid in full. Myself, my son and the representative from XXXX XXXX called the collect company Aargon Agency about the debt that was sent to their company indicating no debt was owed and who sent the debt and that the debt doesn't even exist. The gentlemen could not answer what company provided him the debt. After explaining to the Aargon rep that the debt doesn't exist and it was wrongly place on the father 's credit instead of the sons credit if any debt was owed, but no debt was owed so we're trying to get this company to remove the falsely accused debt. We have voicemails from the rep at XXXX XXXX to prove no debt was owed from the start. I need to to be removed from my credit ( the dad ) so I can go on about trying to make a home purchase.

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 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I recently acquired a credit card from Venmo and XXXX XXXX for XXXX dollars. I had a credit score of XXXX when I got the card. After not using the card for a couple months the credit amount was dropped to XXXX dollars trashing my credit. I called to get it resolved and they said it was done to me being a high risk. I havent missed a credit card payment in for over 15 years. My credit score hasnt recovered for over half a year. I do not have the card number because I destroyed it. I am also not comfortable giving my SS number due to the large amount of fraud these days. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ohio 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 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX, XXXX, and XXXX. If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice. I reached out to all 3 bureaus XX/XX/year>XXXX and NO RESPONSE WHATSOEVER!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
XX/XX/year> Original balance {$19000.00} Balance has been paid and appears as {$0.00} but is reporting negative Factually Disputing of Inaccurate and Inconsistent Credit Reporting

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 2026-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am formally disputing the inquiries listed below because I did not authorize the companies involved to access my credit report. These inquiries have negatively impacted my credit profile and should not remain on my report without proper verification. I previously contacted your agency regarding these unauthorized inquiries and was informed that they would be removed. Despite that assurance, they continue to appear on my credit report. This matter has remained unresolved for far too long and requires immediate attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.
State: VA

Complaint narrative:
I went to send XXXX to my friend on Cash App and when I XXXX paid the transaction it said declined, however on my bank statement it said the transaction went through. With that being said my friend did not receive the payment and I am down XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
b'The company transworld XXXX or whatever keeps trying to call me, i assume due to XXXX that they are trying to collect a debt that is not mine. i recognize i have a common name, but that is still no excuse for the continuous and never ending phone calls i recieve. the latest one is today, XXXX at XXXX XXXX from this phone numberXXXX XXXX XXXX, and i also recieved a call from this number on numerous other occasions. I am certain this call is not meant for me, as I am certain I owe no debts to any company or entity, full stop.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MO

Complaint narrative:
I have been making monthly payments on my XXXX student loans since XX/XX/year> through XXXX. I make online payments using their online portal in the " Specify for Each Loan '' section. The payments I make with this method total {$500.00}. The payments between the XXXX loans differ between the months, but as an example, if I paid {$150.00} to XXXX loan, then I would pay {$350.00} to the other loan. Over the course of XXXX monthly payments, Edfinancial has only been receiving payments towards XXXX of the loans, while my bank is charged the full {$500.00}. The amount not accounted for equals {$1100.00}. I was the one who found this error, and I contacted Edfinancial XXXX to fix it, but they keep telling me they'll get back in touch and don't follow through. Meanwhile, the loan that is not receiving payments has been accruing interest, which currently equals {$550.00}. I have contacted my bank 's fraud department, and they are currently working on fixing the situation. I was recommended to file a report through this site from a friend who is law school. I have attached screenshots as proof of my claims as well as a Word doc logging the current status of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a checking account with Bank of America that has been placed into a restricted credit-only status in connection with a garnishment order. Bank of America has stated that it is not able to allow me to close the account while this restriction is in place, which has resulted in the account remaining open despite having a XXXX balance. Because the account remains open but unusable, I am unable to take any actions to manage it, including initiating transactions, closing the account, or reliably making deposits. Despite these limitations, Bank of America has stated that the account will continue to incur monthly maintenance fees and may also be subject to overdraft fees. I attempted to understand how to manage the account under these conditions and contacted the bank through customer service, supervisory channels, and the executive office. During a call with the banks executive office, I was advised that : - The account will continue to be charged monthly fees under the original agreement- The account is restricted and can not be used or closed- All deposits and withdrawals are subject to review- The bank can not confirm whether deposits will be accepted - The bank can not confirm whether I will be able to deposit funds to pay the fees- The only way to determine whether a deposit will be accepted is to attempt it and see if it is approved This creates a situation where I am required to pay ongoing fees but may not be permitted to deposit funds specifically to cover those fees, and the bank can not provide any certainty in advance. Additionally, debit transactions were processed as recently as XX/XX/XXXX, despite the account being described as credit-only, indicating inconsistent application and enforcement of the restriction. The underlying legal matter is active with no defined resolution timeline, meaning this situation could continue indefinitely. I have made multiple attempts to resolve this issue directly with the bank, but no solution or accommodation has been provided.

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 monetary relief
Consumer complaint received 2026-06-09 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I sent the following to Wells Fargo via fax, email, and certified mail. This claim turned out to be over XXXX charges and over {$2800.00} over a single weekend. PLEASE help XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Wells Fargo Attention : Claims and Fraud assistance department XXXX XXXX XXXXXXXX XXXX NC XXXX Re : Notice of disputed charge to Account XXXX. XXXX I am writing to dispute the charges from XX/XX/XXXX to present from a company using the name whatnot and whatto XXXX account. I have not consented or authorized any of these charges. I have not given anyone permission to use the card. I had possession of my debit card at all times. These charges were not authorized by me. My email and accounts were hacked. I have since canceled the debit cards and changed the passwords to my email. I swore out a fraud case with XXXX XXXX XXXX XXXX case number XXXX - XXXX and their phone number is XXXX. I also filed a case with the FBI Internet crime complaint center case number XXXX. I have also filed a case with the FTC. Case number XXXX I have canceled the debt card but I am still getting charges to this day!!!!!!! What do I need to do to get it to stop? This fraud on my account has caused significant hardship on me and my family. I am requesting provisional credits for the amount of all fraudulent charges. I am requesting the name and contact information of the investigator assigned to my fraud case. I am requesting that these errors be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Please correct the errors on my account promptly. I am attaching just a few ( XXXX ) complaints I found in a quick search of whatnot on the internet. I am confident a more extensive search will bring up many more. This company has a clear history of fraud. I am sending this letter along with the XXXX attachments both via fax to XXXX, email XXXX, XXXX and certified mail to your department.

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 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I have 2 complaints. They call my phone 5 times a day I have ask for them to reframe from contacting me. I did request some information from Midland Credit Management. XXXX is trying to sue me and I never receivd any infomation from them until the wage garnishment I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I received Credit Collection response from the complaint I filed against them. Credit Collection provided a billing statement with my name and address but that does not validate or verify I owe a debt. This is my final attempt to have you remove this account or you will be sued with no further notice. My demand amount will be {$1500.00} for the cost of my time and resources filing this lawsuit.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
b'On XXXX XXXX XXXX Resurgent Capital Services L.P. received a timely, formal written Debt Validation Letter via USPS Certified Mail (Tracking #XXXX XXXX XXXX XXXX XXXX XXXX / Return Receipt signed for on XXXX XXXX XXXX) regarding an alleged WebBank/Fingerhut debt associated with Resurgent ID: 8XXXX. \n\nUnder the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g(b), a debt collector must immediately cease all collection activities once a written dispute is received, and they are strictly prohibited from resuming collection actions until proper validation is physically mailed to the consumer. \n\nHowever, on XXXX XXXX XXXX at XXXX XXXX, Resurgent willfully violated the FDCPA validation freeze by sending me an electronic collection communication demanding payment, highlighting payment options, and threatening that my account was on a "Prelegal Track" for attorney review. No debt verification or chain of title has been provided to me.\n\nFurthermore, I have previously completed a comprehensive debt consolidation program and do not recognize this balance or account. One or more of the associated lines of credit Resurgent is asserting claims against are completely time-barred under my state\'s statute of limitations. \n\nBecause Resurgent has engaged in illegal collection activity after a verified federal freeze was put in place, I request that Resurgent immediately close this file, cease all communication, and permanently stop any attempts to report this unverified, disputed account to the credit bureaus.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
Documentation proving I am legally responsible for this debt. A complete accounting of how the reported balance of {$1600.00} was calculated. Documentation showing the chain of ownership and assignment of the alleged debt from the original creditor to Midland Credit Management. Copies of any signed agreements, contracts, or records bearing my signature that establish liability. Evidence that the account is being reported in full compliance with the FCRA and all applicable federal laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX, XXXX, and XXXX. If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice. I reached out to all XXXX bureaus XX/XX/year>2026 and NO RESPONSE WHATSOEVER!

Company response to consumer: Closed with non-monetary relief