vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
The original account with XXXX XXXX XXXX was opened on XX/XX/XXXX and the credit limit on the account changed over time. However, the balance currently being reported by XXXX XXXX XXXX in the amount of {$430.00} is not supported by any itemized accounting, payment history, or contractual documentation explaining how this amount was calculated. Additionally, XXXX XXXX XXXX is reporting a date opened of XX/XX/XXXX, which does not reflect the origination of any new credit obligation, but rather appears to be the internal transfer or purchase of an older account, which is misleading and inaccurate. I did not open any account with XXXX XXXX XXXX, nor did I enter into any agreement with this company. This date appears to reflect the internal transfer or acquisition of the account, not the origination of any consumer obligation. Reporting this as a newly opened account creates a false impression of recent credit activity and is inconsistent with the original account history from Comenity Capital Bank. This further demonstrates that the account is being reported in a misleading and inaccurate manner, in violation of the Fair Credit Reporting Acts requirement for maximum possible accuracy. Further, the same underlying debt is being reported under both XXXX XXXX XXXX and XXXX XXXX XXXX XXXX resulting in duplicate negative impact on my credit file. Although the XXXX XXXX XXXX accounts reflects a {$0.00} balance, it continues to report derogatory payment history, while XXXX XXXX XXXX is simultaneously reporting an active collection for the same debt. Additionally, the account Is being reported under two different account numbers between XXXX XXXX XXXX and XXXX XXXX XXXX XXXX The original account number associated with XXXX XXXX XXXX does not match the account number being reported by XXXX XXXX XXXX XXXX This creates uncertainty as to whether the same debt is being accurately reported or if multiple accounts are being improperly attributed. This discrepancy prevents proper verification of the account and raises serious concerns regarding the accuracy and traceability of the reported debt. Without a clear and consistent account identifier linking the original creditor to the debt buyer, this account can not be considered verifiable under the Fair Credit Reporting Act. This creates a misleading and duplicative representation of a single obligation, causing disproportionate harm to my credit profile. Combined with inconsistencies in payment history and balance reporting, this account is inaccurate, misleading, and unverifiable under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: MA

Complaint narrative:
I recieved a random message from current agent on XXXX that i won a sweepstakes of {$2000.00} from them. They ask for my personal information and access my email and they stole {$800.00} from me on XXXX of XX/XX/year> with XXXX XXXX i file the dispute and they denied the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XXXX the XXXX XXXX U.S. Bank approved a checking and savings account with my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have been a loyal PayPal customer for 16 years. My paypal account is XXXX. PayPal recently closed my account, falsely accusing me of engaging in 'adult activity. ' This is a complete and defamatory error. I sell children 's books ( www.booksbyememgenesis.com ) and hair/beauty products ( www.ahosibeauty.com ) and I'm a director of a Florida XXXX non-profit ( www.educatetheworldinc.org ). My account has virtually no payment activity, yet PayPal has applied a 'Restricted ' label that suggests illegal or explicit behavior. This false accusation has caused extreme distress in my personal life and marriage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
I am disputing the validity and accuracy of a collection account being reported by Cavalry Portfolio Services related to an account originally with XXXX XXXX. The account is reported as opened on or about XX/XX/year>, with a balance of approximately {$7400.00}, and is currently listed as a derogatory collection on my credit report. I have not received proper validation of this debt. Specifically, Cavalry Portfolio Services has not provided : A signed agreement or original contract with XXXX XXXX A complete and accurate accounting of the balance being reported Documentation proving legal ownership or assignment of the debt Verification that they have the legal right to collect on this account Due to the lack of proper validation, I dispute that this debt is mine and/or that it is being reported accurately and completely. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that Cavalry Portfolio Services provide full validation of this account. If they are unable to provide complete and accurate documentation, I request immediate deletion of this account from all credit reporting agencies. Additionally, I request that this account not be reported as a verified collection while it is under investigation, as reporting unverified or incomplete information may constitute inaccurate credit reporting. I am seeking a resolution that ensures my credit report reflects only accurate, verifiable, and legally compliant information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tiffany & Tiffany PLLC
State: GA

Complaint narrative:
The alleged debt originates from a repossessed XXXX XXXX XXXX financed through XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, VA XXXX. The date of delinquency was reported as XX/XX/XXXX, and as of XX/XX/XXXX, the balance on the account was {$14000.00}. On XX/XX/XXXX, I received my first collection notice from Tiffany & Brown, XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX, attempting to collect {$14000.00}. On XX/XX/XXXX, a XXXX in Debt was issued in the amount of {$14000.00}. The certified mail associated with this warrant required a signature ; however, it was placed directly in my mailbox without obtaining my signature, and therefore was not properly served. Additionally, XXXX XXXX XXXX did not provide me with a deficiency notice after the repossessed vehicle was sold at auction. I was not informed of : The date of sale The sale price of the vehicle How the proceeds were applied The calculation of any alleged remaining balance ( deficiency ) Because this required notice was not provided, I dispute the validity and amount of the alleged debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year> I submitted 2 transactions to the wrong person each for {$30.00}. each. The first transaction was at XXXX XXXX, transaction # XXXX. The second transaction # XXXX was completed at XXXX XXXX when I thought the first transaction didnt go through. Ive attempted to recover the monies ( {$60.00}. Total ) thru the individual and XXXX but the individual has refused to return the money to me. A couple of days later I was sharing this issue with a family member and they asked if I provided the last XXXX numbers of the phone as confirmation I was sending to the correct person and my reply was no. That option was not given nor did it appear beforehand in order to send the transaction thru. At this point Im of the belief that this was a scam that had a fictitious profile set up. I believe that this is not an isolated problem and it potentially can happen to several people. Im now at a loss of how to resolve the problem and have my funds returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am disputing a {$1500.00} rental collection account that I do not owe. In late XX/XX/year>, I informed my apartment complex that I was in a domestic XXXX situation and requested that my locks be changed for my safety. This request was not properly handled. On or about XX/XX/year>, an individual was able to access my unit and vandalize my home. this person was able to gain entry while I was at work due to the failure to secure my unit after my request. As a result of this incident, I was forced to vacate the unit immediately for my safety. I provided proper notice to the apartment complex and reported the damages to management. At the time of move-out, I was told that I had a XXXX balance. I was never provided with a final bill, itemized charges, or any notice of a balance owed. Despite this, a {$1500.00} charge was later sent to collections by National Credit Systems Inc without prior notice or validation. I have requested documentation, including an itemized statement, lease agreement, and proof that I am responsible for these charges, but this information has not been provided. Due to the domestic violence circumstances, failure to ensure my safety, lack of proper notice, and lack of validation of the debt, I dispute this account and request that it be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
This company charges late fee assessment charges and non sufficient funds assessment on top of the late fees to total over XXXX dollars a month on top of the large percentage rate making it impossible to pay for vehicle all we do is pay fees and percentage rate fees it is sad that companies like this prey on people with poor credit and threatening to reposess vehicle when 1 day late on a payment they call my phone 28 to 30 times a day to the point I had to, change me number to use my phone again please help on XX/XX/XXXX Non sufficient funds were charged and late fee {$15.00} each totaling {$30.00} even when account was paid on, that day they refused to remove charges and prior dates also XX/XX/XXXX Also XX/XX/XXXX again, I have reluctantly paid these because the threats of reposition continue i am less then 30 days late and they continue threats and harassment through calls and emails please help bridecrest must stop this unfair behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: NC

Complaint narrative:
This account is currently subject to active litigation in XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). The alleged debt is directly tied to an ongoing dispute involving breach of habitability, lease issues, and damages. Despite this, the company continues to report the account as a collection without properly marking it as disputed and without providing validation after request. The alleged debt is disputed in its entirety and is currently subject to active litigation in XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. Reporting a disputed account during active litigation without proper disclosure is inaccurate and misleading. This account must be removed or fully validated immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute false, inaccurate, and unverifiable information appearing on my consumer credit report. After multiple reviews and failed attempts at proper reinvestigation, it has become clear that your continued possession and transmission of this data constitutes criminal misuse of my personal identity under 18 U.S. Code 1028A Aggravated Identity Theft. Your agency is using my name, Social Security number, date of birth, and other identifying information to distribute false and unverifiable data, such as alleged late payments, incorrect balances, and other negative account information. Despite prior notices disputing these entries, you have continued to furnish this data without producing : Any original contracts or applications, Complete payment records, Or legally admissible proof of the validity of the derogatory entries. As a result, you are knowingly publishing and transmitting false data tied to my personal identity without lawful authority. The continued use of unverifiable information attached to my identity after dispute, and your failure to lawfully validate it constitutes aggravated identity theft under federal law. While some accounts may have originated from me, the inaccurate negative information being published now is false, lacks verification, and is being attached to my identity in a misleading and harmful manner. You are knowingly attributing inaccurate financial behavior to me, damaging my reputation, and using my PII to falsely profile me in violation of federal and consumer protection statutes.

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 2026-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Climb Credit Inc.
State: NY

Complaint narrative:
I financed a XXXX XXXX program through Climb Credit. On XX/XX/year>, XXXX XXXX made a written offer to provide a 72 % tuition refund, explicitly stating that it would fully cover and resolve my remaining Climb Credit loan balance of approximately {$10000.00} and XXXX out my payment obligation. I formally accepted this offer in writing the same day and was informed that the process would be initiated. Since that date, I have followed up repeatedly over more than two months requesting confirmation that the refund has been processed and applied to my loan. XXXX XXXX has acknowledged the issue and indicated that it has been escalated internally to their finance team ; however, the agreed-upon refund has not been executed and no clear or actionable timeline has been provided. During this period, my loan has continued to be reported as active by Climb Credit, and ongoing charges have negatively impacted my credit. This delay has resulted in financial harm. I have made multiple good-faith efforts to resolve this directly, including requesting confirmation of submission, status updates, expected completion timelines, and whether any steps could be taken to prevent continued credit impact while the issue remains unresolved. Despite these efforts and the confirmed agreement, no resolution has been provided. This matter is no longer a communication issue ; it is a failure to execute a confirmed and accepted agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
This company is not the original debt collector they are some third party and reporting incorrect payments history, amount and date the account was open. I want This removed from my credit for reporting incorrect information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
On XX/XX/XXXX, I called to request verification of the alleged credit accounts from Resurgent Capital Services/LVNV Funding, and was instructed by the representative to complete the online form to submit the request. I specifically requested the verification in writing via email, as I no longer have a physical mailing address to receive letters. As of today, XX/XX/XXXX, I have not received the information that I requested on XX/XX/XXXX, nor have I received a response to the follow up I submitted on XX/XX/XXXX, even though Resurgent Capital Services claims they are only unable to respond by email to customers in New York. I am in Louisiana. Resurgent has also initiated legal proceedings on the alleged debt despite not providing the requested verification. I have uploaded a copy of the call log on XX/XX/XXXX, a screenshot of the online form that shows Resurgent does communicate via email, and a copy of the email with my follow up message showing Resurgents email communication policy only being restricted to customers in New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX transactions from XX/XX/XXXX to XX/XX/XXXX where money was taken from my bank account to XXXX and used to buy bitcoin. XXXX continues to say it was myself or someone I know that did these but it was not. I dont do cryptocurrency of any kind. XX/XX/XXXX {$2000.00} bitcoin purchase and withdrawal XX/XX/XXXX {$1500.00} bitcoin purchase and withdrawal XX/XX/XXXX {$750.00}. bitcoin purchase and withdrawal XX/XX/XXXX {$380.00} bitcoin purchase and withdrawal XX/XX/XXXX {$3000.00} bitcoin purchase and withdrawal XX/XX/XXXX {$4900.00} bitcoin purchase and withdrawal I have also reported to the bank, no one wants to take responsibility Want to get as much as possible back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LEXISNEXIS
State: NY

Complaint narrative:
I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX XXXX XXXX XXXX I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? Thank you for your time and clarification on this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Issue : Account closure for suspicious activity and denial of reentry without sufficient explanation or investigation Complaint : I am filing this complaint regarding my prior account with Navy Federal Credit Union, which was closed in XXXX due to what was described as suspicious activity. I was informed of this decision but was not provided with specific details or evidence explaining what activity triggered the closure. I want to clearly state that I did not engage in any fraudulent or suspicious behavior. Despite this, I have been permanently denied the ability to reopen an account or establish a new banking relationship with Navy Federal. I have contacted the institution multiple times to request clarification and reconsideration, but I have only received general responses without any meaningful explanation or opportunity to resolve the issue. Since the account closure, I have served in the XXXX XXXX military for XXXX years and have maintained a stable and responsible financial history. Given my current status and the time that has passed, I believe it is reasonable to request a fair review of my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: IL

Complaint narrative:
I am a XXXX XXXX XXXX XXXX ( XXXX ) borrower reporting a systemic and recurring billing error by MOHELA. My account is approved for an XXXX XXXX ( XXXX ) plan totaling $ XXXX. However, for XXXX consecutive months ( XXXX, XXXX, and XX/XX/year> ), MOHELAs Auto Pay system has failed to withdraw the full amount. Despite being correctly enrolled for all three loan sequences ( XXXX, XXXX, and XXXX ), the system only withdraws {$26.00}, leaving the consolidation loans ( {$170.00} ) unpaid. I have re-enrolled in Auto Pay multiple times ( documented on XX/XX/XXXX and XX/XX/year> ) and sent a formal Secure Message regarding this glitch on XX/XX/year>. In addition to my written messages, I called MOHELA customer service ( most recently in XX/XX/year> ) to resolve this. During these calls, I was explicitly instructed on how to allocate my payments across all loan sequences to ensure the Auto Pay would trigger correctly for the following month. Despite following the agents ' verbal instructions to the letter, the system failed to update, and my XXXX summary still incorrectly shows a partial withdrawal of only {$26.00}. This demonstrates that even with direct professional guidance from MOHELA staff, their internal systems are failing to function correctly. This servicer error has forced me to make manual 'catch-up ' payments every month to prevent delinquency and protect my XXXX credit. As of today, XX/XX/XXXX, my account dashboard correctly shows all loans are enrolled, yet the summary page still states only {$26.00} will be withdrawn on XX/XX/XXXX.

Company response to consumer: Untimely response