vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : Dispute of Inaccurate Credit Reporting Bankruptcy Discharged Accounts To Whom It May Concern : I am formally disputing inaccurate information being reported on my consumer credit file pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. The accounts listed below were discharged in bankruptcy ; however, they continue to report inaccurate and misleading information, including but not limited to : - Open balances - Open or active charge-off status - Open ledger balances- Past-due amounts - Incorrect payment status - Ongoing collection activity after discharge Accounts Being Disputed : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts should accurately reflect a bankruptcy discharge with a XXXX balance owed and should not continue reporting as actively collectible obligations if no legal liability remains due to discharge. I request a reasonable investigation and demand that you provide competent evidence supporting the current reporting, including : XXXX. Documentation proving the balances remain legally owed after bankruptcy discharge XXXX. Documentation supporting the continued reporting of any open balance or charge-off amount XXXX. The method of verification used during your investigation XXXX. The name, address, and telephone number of the party who verified the information XXXX. Copies of all documents relied upon in verifying the reporting accuracy If you can not provide sufficient documentation validating the accuracy of this reporting, I request immediate correction or deletion of the inaccurate information from my consumer file. Please provide me with written results of your investigation pursuant to the Fair Credit Reporting Act.

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 2026-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
To Whom It May Concern, Please forward my complete complaint history, including all attachments and supporting documentation, regarding missing or misapplied payments involving XXXX, XXXX XXXX XXXX, and other financial institutions over the past several years. Despite repeated contacts from Chase staff, I continue to receive communications that contain no substantive data, records, or resolution details. During my most recent interaction, I was advised to contact the complaint team directly. For clarity and recordkeeping purposes, I am requesting : Copies of all complaints and investigations related to these matters All attachments, correspondence, internal notes, and payment research Records concerning missing, delayed, or unaccounted-for payments involving XXXX, XXXX of XXXX XXXX and any other referenced institutions Confirmation of what actions have been taken to investigate or resolve these issues Please provide a complete response and copies of the requested materials at your earliest convenience. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: SC

Complaint narrative:
XX/XX/year>, my wallet was stolen and my direct express card and social security card was in it. I am the authorized payee for my uncles social security check. My PIN number was changed and used to withdrawal XXXX {$120.00} transactions from my account at XXXX. I reported this to direct express and the police by XXXX. I sent the initial police report and fraudulent form to direct express. An arrest was made in XX/XX/year> and the perpetrator was convicted shortly after that and was sentenced to probation. I sent the full police report, conviction letter to direct express on several occasions through email and fax. They denied my claim and I called them in XXXX to dispute their decision. They said they escalated the dispute. I called back in XXXX and in XXXX and still nothing. In XXXX they assigned a new claim number to it and still haven't received anything from them. Also when they assigned me to be his payee in XX/XX/year> there was {$110.00} on his former payees account that they never returned to him or the former payees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MS

Complaint narrative:
Leading up to purchasing my first rental property, I was in contact with several insurance companies regarding coverage. XXXX and XXXX XXXX were my final XXXX, and I told both agents whoever got me a quote before my closing date would get my business, as the turnaround was short. The date of closing was XX/XX/XXXX. XXXX XXXX got me this information and I went with them for insurance. On XX/XX/XXXX, XXXX sent me their package for XXXX XXXX, and I informed the agent that due to them submitting after the deadline, I went with another company. After getting some mail from XXXX, I reached out again a little over a week later and asked them to cancel whatever policy they signed me up for. They responded but did not cancel. I got more mail and a text that I needed to pay in XXXX or my coverage would be stopped, so I again, told them to cancel the policy as I already obtained other coverage for the third time. XXXX is trying to bill me for the policy from XXXX XXXX XXXX, and I'm filing a formal complaint against the debt collection company for not doing their due diligence before threatening to hurt my credit score and demanding payment for an insurance service I never wanted or received. The name of the debt collection company is Credit Collection Services ( CCS USA ), XXXX XXXX XXXX, XXXX, MA, 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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
tried to log in XXXX XXXX XXXX XXXX not find find my info. i called i could not get through automated XXXX phone system. disconnects, goes in circles, i went to the bank XXXX said password. log in still does not work! tried XXXX XXXX banking XXXX XXXX XXXX get a rep, automated XXXX! XXXX to a XXXX rep

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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, there were XXXX purchases for {$970.00} ; XXXX declined, the other went through successfully on my credit card. I called Citi that day and they told me they couldn't stop it and to call XXXX. I immediately reached out to XXXX the same day. The only way to contact XXXX was via online chat and they stated they couldn't stop the charges but would send it to the fraud department. I called Citi back and they said dispute within XXXX of posting. This was all on XX/XX/XXXX the day of the purchases. XXXX emailed me on XX/XX/XXXX acknowledging someone got into my account and they changed the security and now I have to talk to Citi about the money. I spoke with multiple people in XXXX who said you have XXXX days. I made the dispute on XX/XX/XXXX, after the holiday rush. . About XXXX days after filing the dispute I get an answer that I did not respond to XXXX in XXXX timely fashion to request a refund. I have emails and pdfs of chats where I requested this. the case was closed. I called and had Citi reopen it in XXXX and supplied the emails and chat pdfs. Citi sent a letter stating it was received. Then XXXX days later I got a letter that said it was not received and that it was now closed. I called XXXX, still in XXXX, they reopened and told me they will review by XX/XX/XXXX. I received nothing on XX/XX/XXXX. I called on XX/XX/XXXX to see what happened and was told it was still being reviewed. On XX/XX/XXXX I get a letter stating they ran out of time to review ( XXXX days ) and the decision was final, so I am responsible for the fraudulent charges. I spoke with XXXX people today, XXXX managers, and all said we ran out of time, there was nothing I could do. I should have disputed earlier ( even though I was in XXXX days ) to give them more time. They had from XXXX to XXXX and did nothing with the documents. XXXX after rep stated, nothing says the documents were insufficient, XXXX just didn't take the time to review it in a timely fashion.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: TN

Complaint narrative:
I am disputing this account because it resulted from identity theft/fraud. I did not authorize or open this account. Please block and remove this fraudulent account under the Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: MD

Complaint narrative:
I recently reviewed my credit report and I was shocked by what I found. There are accounts and inquiries on here that I never opened and have no knowledge of. This is seriously affecting my ability to get approved for credit and its causing me a lot of stress. I need these accounts removed from my report immediately. XXXX attached the specific items XXXX disputing that need to be removed immediately. Please look into this as soon as possible I am stressed!

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 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sent my cryptocurrency to my PayPal wallet to my XXXX wallet I was unaware that they did not support XXXX I contacted the original platform where I sent it from they told me it was a success that I had to contact PayPal and they could track the assets and have it refunded they refused to do that they say they can't do that which I know they can they have been no help at all I've talked to several several people and I get nowhere with them

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
I lost my previous job and have struggled to make my payments with this company on time. I have explained this numerous times, but they offer a modified payment of just a few dollars less than a payment. This has caused the loan to be extended out and more fees and interest to accrue far past the time this loan was supposed to last. This has been explained numerous times with no other resolution offered to me. When I am late and make a payment arrangement with the company, they continue to reach out and ask about the payment. This has been an issue for years with this company and myself. There are no resolutions offered, just continue harassment after payment arrangements have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: CO

Complaint narrative:
On XX/XX/year>, there was an account breach on my dormant PayPal account, which has been inactive for years. The attacker placed an unauthorized order to XXXX in the amount of {$2500.00} via PayPal. An ACH transfer was initiated to pull these funds from my linked XXXX XXXX checking account. I received an automated PayPal text message asking if the transaction was authorized. I immediately responded " No '' to confirm it was unauthorized ( screenshot attached ). I then logged into the PayPal app and formally flagged the transaction as fraudulent, creating unauthorized transaction claim XXXX XXXX On XX/XX/XXXX, to protect my assets under Regulation XXXX, I contacted XXXX XXXX and requested a stop payment on the transaction, incurring a {$30.00} fee. This successfully prevented the fraudulent withdrawal from my checking account. I also emailed the XXXX merchant contact provided by PayPal, stating the order was fraudulent and needed to be canceled. See attachment. On XX/XX/XXXX, I received an email from XXXX denying my claim, incorrectly stating they determined the transaction was authorized. I reviewed the PayPal transaction details and clearly saw the order was being shipped to XXXX XXXX, Texas. My only listed address is in XXXX, XXXX, and I have never lived in or shipped anything to Texas. I emailed XXXX, reiterating that this was fraud and requesting they cancel the pending shipment to Texas. I then called PayPal customer service to escalate. The representative insisted that because PayPal deemed the charge " authorized, '' the only action they would take was to change the claim type to " Item Not Received '' ( XXXX ) based on the shipping address discrepancy. Against my wishes, the PayPal representative insisted that the claim needed to be changed the claim to " Item Not Received. '' The PayPal website and app offer no method to escalate the original unauthorized transaction claim, they either reference XXXX options that don't exist, or give an error message when changing the claim. Because of my stop payment, my PayPal account now shows a negative balance of {$2500.00}. I am receiving automated emails from PayPal threatening to send this negative balance to collections. PayPal Invoice ID : XXXX XXXX Transaction ID : XXXX PayPal claim : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
In XX/XX/year>, I received a transfer from my own brokerage account into my PayPal account. Both accounts are under my name. The amount is over {$10000.00}. PayPal placed a hold on these funds immediately and sent me a generic email stating the funds were on hold, but provided no explanation of the reason. My PayPal account is NOT limited only this specific transaction is marked as held. Since XX/XX/year>, I have : - Called PayPal customer service multiple times - Submitted all documents requested by PayPal - Sent written communications through PayPal 's Resolution Center Despite all of this, PayPal has never provided a clear reason for the hold, has not released the funds, and has not given me a timeline for resolution. I have been without access to my own money for over XXXX months. This is not a buyer-seller transaction. There is no dispute, no chargeback, no complaint from any third party. This is a transfer between XXXX accounts belonging to the same owner. There is no legitimate basis for a hold of this duration. I am requesting that the CFPB investigate this matter and require PayPal to either release my funds immediately or provide a written, specific explanation of why they continue to be held.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
this collection agt is trying to collect for a debt that was open under fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
On XX/XX/year>, I placed a call to the debt collection agency phone number XXXX there address is XXXX XXXX XXXX # XXXX XXXX maryland XXXX handling a debt allegedly owed to XXXX XXXX XXXX XXXX XXXX {$10000.00} ). The collector engaged in conduct that I believe constitutes multiple violations of the Fair Debt Collection Practices Act. Specifically : the agent refused to provide their name or agent ID number when directly requested ; refused to connect me with or provide contact information for the compliance department; refused to provide any account details or debt validation information ; and when I attempted to resolve the debt voluntarily, the agent told me to 'take legal action ' rather than engaging in good-faith communication. Under 15 U.S.C. 1692g, I have the right to request debt validation, and under 1692e, collectors are prohibited from deceptive practices including withholding identifying information. This agency 's refusal to identify their agents, refusal to provide access to compliance personnel, and dismissive instruction to pursue legal action rather than resolve the matter raises serious concerns about their practices. I am requesting the CFPB open a formal investigation, contact this agency, and take appropriate enforcement action. I am simultaneously consulting with a consumer protection attorney regarding my private right of action under the FDCPA, which allows for statutory damages of up to {$1000.00} per violation plus attorney 's fees.

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing a formal complaint against Midland Credit Management regarding inaccurate and/or unverifiable reporting practices associated with an alleged collection account. Midland Credit Management is reporting a collection account associated with XXXX XXXX XXXX in the amount of {$1400.00}. I requested validation of the debt, including proof of ownership, original account documentation, payment history, and verification of the balance being reported to the credit bureaus. Despite my request, the account continues to be reported and updated monthly on my credit reports with XXXX XXXX XXXX XXXX. I believe Midland Credit Management may be reporting incomplete, inaccurate, or insufficiently verified information in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I disputed this alleged debt with Portfolio Recovery Associates , LLC multiple times in writing and requested full validation of the account. Specifically, I requested : * The original signed credit agreement from XXXX XXXX XXXX. * Complete account statements and transaction history * Full chain of ownership proving legal assignment of the debt to PRA * Verification of the date of last payment and original delinquency Despite my repeated requests, Portfolio Recovery Associates did not provide proper legal validation of the debt. Instead, they only sent generic responses or directed me to request justification again, without providing the required documentation. Because of this, I do not consider the debt properly validated under the Fair Debt Collection Practices Act ( FDCPA ). The company continues attempting to collect the alleged debt without providing sufficient proof of ownership or supporting documentation. I am requesting that Portfolio Recovery Associates either provide full legal validation of this debt or cease all collection activity and correct/remove any related reporting if they can not verify it.

Company response to consumer: Closed with non-monetary relief