vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
My XXXX  account was suspended due to a duplicate account created with the same phone number. 

The duplicate account used an email address that no longer exists, making compliance impossible. 

XXXX support acknowledged the issue and requested documentation, which I provided, but the follow-up came from a no-reply email address and the case stalled. 

Despite multiple attempts, XXXX  has not resolved the duplicate account or reinstated my primary account, leaving me without access to a financial service I rely on.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION
State: WA

Complaint narrative:
Civil Processing Administration contacted my brother and stated that I had committed " financial fraud ''. This disclosure was made to a third party and falsely implied criminal conduct. As of a result of this alarming communication, I contacted the company. 

The company then alleged that I owed {$2400.00} to XXXX XXXX XXXX. I have no knowledge of this debt and advised them to send me a validation letter pursuant to the Fair Debt Collection Practices Act. Instead, they sent a collection letter via email demanding immediate payment and threatening me with legal action. 

A representative, XXXX XXXX, stated that the company was filing a lawsuit against me in XXXX XXXX, WA. No lawsuit has been filed, no court documents were served, and no case number or jurisdictional filing information was provided. The emailed letter contained no documentation validating the debt and no proof of authority to collect or sue me in the state of Washington. 

At no time did Civil Processing Administration provide : 1 ) a copy of a signed contract or agreement XXXX ) an itemized accounting of the alleged balance XXXX ) Proof that the company is authorized to collect in Washington 4 ) Proof that alleged debt is within the statute of limitations Civil Processing Administration accused me of " financial fraud '' and disclosed this accusation to my brother, a third party. This caused reputational harm and emotional distress and appeared intended to humiliate me and coerce me into responding. I have no knowledge of the alleged debt, no criminal charges exist, and no validation has been provided. Additionally, the alleged creditor does not offer products in Washington state to my knowledge, calling into question the legitimacy and enforceability of claimed debt. 

Under the FDCPA, debt collectors are prohibited from contacting third parties about debt, falsely accusing consumers of criminal conduct and threatening legal action that is not actually taken or legally permitted. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Chime Financial Inc
State: MO

Complaint narrative:
My cash app was cashed out and went to the wrong account it went to chime I owed for a my pay repayment. Chime took the money and it was not a qualifying deposit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Professional Recovery Management
State: TN

Complaint narrative:
This debt has been reinserted back on my credit report which can not be done based on consumer law. XXXX  is in violation of FCRA. XXXX  failed reinsertion notice. 
Please remove this debt from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
to me. My credit file shows an identity theft/fraud alert, which supports that there has already been concern about unauthorized activity connected to my credit. The name tied to this account is not my legal name ( it appears to be a different name/spelling ), and I have never opened, authorized, or benefited from this account. 

When I first discovered the account in XX/XX/year>, I contacted the company reporting it to inform them that this was likely identity theft and to request an investigation and removal. However, the response I received from the representative was rude, dismissive, and unprofessional. The representative spoke to me in a disrespectful tone, interrupted me while I tried to explain that the account was not mine, and did not provide clear instructions about what steps would be taken to verify identity and correct the reporting. I left the call feeling that my concerns were not taken seriously. 

Since that time, I have continued to call and attempt to resolve this issue, but the problem has remained on my credit report. Over the course of these repeated contacts, the representative behavior has been consistently inappropriate. Representatives have repeatedly spoken to me in a way that felt threatening or intimidating, as if I was being pressured to accept responsibility for an account I did not create. Their approach has often included talking over me, refusing to fully listen to my explanation, and communicating in a manner that made me feel blamed for the fraud instead of supported as a victim of potential identity theft. Each time I request help, it feels like the conversation turns into an attempt to threaten me about the account rather than provide a fair and professional resolution. 

This ongoing situation has negatively affected my life in several serious ways. Because this inaccurate account continues to be reported, it has harmed my credit score and credit profile, which has created barriers when trying to secure housing and has limited my ability to access credit on fair terms. Even when I do qualify for services, the negative reporting can lead to higher interest rates or additional deposits. This issue has also caused long-term stress and anxiety, because I have spent years trying to correct an error that I did not create. It has required repeated calls, repeated disputes, and time away from work and personal responsibilities, yet I continue to face the same inaccurate reporting. 

I am requesting that this company conduct a full investigation, verify identity using appropriate documentation, and remove any information from my credit report related to this account that is not mine. I am also requesting that the company communicate with me in a respectful and professional manner and stop using threatening language or intimidation during these interactions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint against JPMCB - CARD SERVICE for reporting unverifiable and potentially inaccurate late-payment history on my consumer credit file for Account No. XXXX covering the 30 days late. Despite my written request dated XX/XX/year>, JPMCB - CARD SERVICE has failed to provide proper verification demonstrating that the reported delinquencies accurately reflect its internal payment records or explaining how the alleged late status was calculated in relation to the account balance and status at the time. This failure violates the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation and report only information that is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: NV

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX  for ongoing inaccuracies on my credit report and their failure to properly investigate and correct disputed information, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have previously disputed inaccurate and/or unverifiable information appearing on my XXXX  credit report. Despite providing disputes, XXXX  either failed to conduct a reasonable investigation or verified information that is incorrect, outdated, or unsupported by proper documentation. 

The inaccurate reporting has negatively impacted my credit profile, including my ability to obtain credit and financial opportunities. XXXX  has a legal obligation under the FCRA to ensure maximum possible accuracy and to delete or correct information that can not be verified. This obligation has not been met. 

Specifically, XXXX  has : - Failed to properly investigate disputed items - Continued to report inaccurate, incomplete, or outdated information - Verified accounts without providing evidence of a legitimate investigation - Failed to correct or delete information that can not be substantiated I am requesting the CFPBs assistance to ensure XXXX  : 1. Conducts a proper and lawful investigation 2. Corrects or deletes any inaccurate or unverifiable information 3. Complies fully with the Fair Credit Reporting Act I am requesting written confirmation of the resolution of this matter and copies of any documentation used to verify the disputed information. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I am submitting this formal dispute regarding a collection account reported by Portfolio Recovery Associates that appears on my credit reports with XXXX, XXXX, and XXXX. This account is being reported inaccurately and in violation of multiple consumer protection laws, including those outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 



Basis of Dispute Data Breach and Compromised Information I have been notified of a data breach that may have involved my personal information. Consequently, I have reason to believe that my identity and consumer data were compromised. Any account opened, transferred, or reported during or after such a breach must be thoroughly verified as legitimate and authorized. 
Under 15 U.S.C. 1681s-2 ( a ) of the FCRA, data furnishers are required to ensure maximum possible accuracy in reporting consumer information. Continuing to report potentially inaccurate or unverified data after notification of a breach constitutes negligence and a violation of federal law. 
Lack of Proper Validation ( FDCPA 809 15 U.S.C. 1692g ) Portfolio Recovery Associates has failed to provide full validation of the alleged debt upon my prior requests. Without adequate documentation proving I lawfully owe this debt, its continued reporting constitutes false representation and an unfair collection practice as defined under the FDCPA. 
Violation of Fair Credit Reporting Responsibilities ( FCRA 611 & 623 ) The bureaus have an obligation to conduct a reasonable reinvestigation upon notification of a dispute. Because the account may be linked to compromised personal data, I demand that the account be immediately removed pending validation and verification from the original creditor. 

Please provide a written response confirming your findings and the actions taken. Failure to comply with these requests may result in further complaints to the Federal Trade Commission ( FTC ) and possible legal action to enforce my rights under federal law. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
I am filing this complaint against NR/SMS/CAL for reporting unverifiable and potentially inaccurate late-payment history on my consumer credit file for Account No. XXXX covering the periods of XX/XX/XXXX. Despite my written request dated XX/XX/XXXX, NR/SMS/CAL has failed to provide proper verification demonstrating that the reported delinquencies accurately reflect its internal payment records or explaining how the alleged late status was calculated in relation to the account balance and status at the time. This failure violates the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a reasonable investigation and report only information that is complete and accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
This is my third time filling this complaint the lawyer I hired neglected to share the info he got from Cash App where they offered me less than what I am legitimately owed they have been ignoring me and holding my money for over a year. I live under the national poverty level I have fell victim to scams I have asked them to help me instead of helping me they ignored me and also joined in with the scam artists by also keeping my money I feel I should be refunded the money I am owed I have proof

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Conduent Incorporated
State: PA

Complaint narrative:
XX/XX/XXXX i noticed money was missing off my way2go card that received my XXXX unemployment compensation. I immediately went in person to XXXX XXXX XXXX unemployment office to notify XXXX money was being stolen and to contact the way XXXX go company to change my card or pin number, they did absolutely nothing after sitting for XXXX hours, just to talk to someone on the phone. They didn't try to reach out to them.So I could submit a fraud report.They gave me a phone number that I already had, that didn't XXXX told me that's all they can do and walked away from me. Trying to contact Way2go is impossible the customer service number on the back of the card doesn't work.The only service you can get is hearing your balance, followed by the machine.Hanging up on you with no way to communicate with a human being to make a complaint. 
When I was finally able to talk to a person around thanksgiving who took my fraud report, they discovered {$2100.00} stolen from my account starring in XX/XX/year> up till XX/XX/year>. The representative took my information and sent me paperwork, which I filled out in return. They told me I would be awarded my provisional credit of {$2100.00} they lied! l was only paid XXXX if my money they kept {$1500.00} of my state unemployment money for themselves. After being on the phone for XXXX hours finally, a supervisor answers knowing my concerns and tells me they're keeping the rest of my money.Because I didn't put a complaint in XXXX XXXX XXXX days after I discovered the loss. My response to him was, how do you expect a person to put in a complaint in a time manner? If your company is unreachable. If I didn't think out the box on how the communicate with them around.Thanksgiving, I would not have the current claim I have now it would have still been going on. During my initial consultation putting in the fraud report, I was not XXXX had a certain timeline to claim my money, the supervisor should have made adjustments and paid me the rest of my money instead of stealing it and using that as reason. 
Still owed {$1500.00} i got robbed by someone possibly in another country now Way2go just robbed me of my big portion of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
I went with my daughter XXXX days before XXXX to look at car her. She could not qualify on her own. The payments were gon na be too high over {$600.00}.. They asked me if I would cosign for her. I said yes I had just paid my car off through XXXX XXXX when they came back. The gentleman said he was gon na change something around, but never told me what then he came back with a payment {$590.00} or something like that for my daughter tell her that thats what her payment would be. I will still assuming it was because her credit was not well but I still agreed to sign for her when I receive the paperwork, I was the first buyer never did they tell me my credit was locked and thats why the rate was so high. I have a problem with this that was very XXXX and unethical. I couldve unlocked my credit sitting right there for them to get myself a much better rate, but no one asked me to be the first buyer or I wouldve told them. No I had planned on buying myself a new car after the first of the year now Im stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I revoked authorization for all XXXX  and electronic debit payments on my credit card account. I notified the company by phone and followed up with written notice revoking authorization. Despite this, the company continued or attempted to continue withdrawing payments electronically from my bank account. 

Any electronic withdrawal after revocation is unauthorized under the Electronic Fund Transfer Act ( Regulation E ). I advised the company that I was not refusing to resolve the account balance, but that any further payments must proceed through standard billing or collections channels without electronic access to my bank account. 

This issue has required me to contact my bank to stop unauthorized withdrawals and has caused financial stress. I am requesting that the company immediately cease all electronic debit activity, confirm in writing that authorization has been revoked, and ensure no further attempts are made to access my bank account.

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 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
I disputed the accuracy and validity of the account ( s ) listed on my credit report and requested full debt validation. Despite my request, the creditor and the credit reporting agency failed to conduct a reasonable investigation and failed to provide competent evidence demonstrating that the debt is valid, accurate, and legally collectible. 
The response I received was generic and conclusory, stating only that the account was verified or validated, without providing documentation or an explanation of how the debt was validated. This does not meet the requirements of a reasonable investigation under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: NY

Complaint narrative:
I am filing this complaint as a follow-up to a prior CFPB complaint regarding Sequium Asset Solutions , LLC. 
Complaint ID number XXXX On XX/XX/year>, Sequium responded XXXX my prior CFPB complaint stating that : The account was placed in dispute status Sequium does not own the alleged debt Sequium has not reported the debt to any consumer reporting agency Despite this written statement, Sequium reported XXXX collection account to Equifax and Transunion on XX/XX/year>, as shown on my credit report. 

This reporting occurred AFTER the debt was disputed and directly contradicts XXXX CFPB response. 

Sequium XXXX XXXX is reporting a collection account for an alleged rental debt with an original creditor listed as XXXX Apts. 

Sequium admits it does not own the debt and is acting only as a collector. Nevertheless, the collection was reported on my credit report on XX/XX/year>, after Sequium acknowledged the dispute. 

Additionally, the amount reported by Sequium differs from the amount reported by the original property XXXX for the same alleged debt, demonstrating that the balance is inaccurate and not reliably verified. 

This conduct constitutes : False or misleading representations under the FDCPA Inaccurate furnishing of information under the FCRA XXXX during a dispute/validation period

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I discovered in 2025 that unauthorized transactions were being made from my PayPal account to an individual listed as XXXX XXXX. I do not regularly monitor my PayPal or linked bank account and typically only review activity when my card stops working. When that happened, I checked my accounts and saw repeated transfers that I did not authorize.

These transactions occurred over an extended period throughout 2025 and involved very large amounts of money, totaling hundreds of thousands of dollars. I did not know this person, did not approve these payments, and did not knowingly grant any permissions or subscriptions tied to this account.

I contacted PayPal to report the fraud. During this process, I was transferred between approximately XXXX different customer service representatives and fraud specialists. Despite explaining the situation multiple times, I did not receive any meaningful assistance. The call ultimately ended without resolution. 

PayPal informed me that the transactions were already associated with a closed case that had been ruled in favor of XXXX XXXX. I was told that because the case was closed, nothing further could be done. I never submitted or authorized any dispute related to these transactions and was unaware that any case had been opened or resolved. 

I also contacted my bank to report the fraud. After reviewing the situation, the bank informed me that because the transactions occurred through PayPal and the fraud was extensive, there was nothing further they could do. As a result, my bank account was closed entirely.

I believe PayPal failed to properly investigate unauthorized transactions, failed to notify me of a dispute supposedly filed in my name, and denied me any meaningful opportunity to contest fraudulent activity. This has caused severe financial harm.

Company response to consumer: Closed with non-monetary relief