vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio recovery XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Unable to pay or not my fault

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am filing a complaint against this debt collection agency for refusing to provide debt validation prior to demanding payment. The company stated that they can not send any documentation or proof of the debt unless I pay first. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide validation of a debt upon request. They have continued attempting to collect via text messages while refusing to provide proper verification of the debt. I am requesting that the company : 1. Provide full validation of the alleged debt, including original creditor and documentation 2. Cease all collection activity until validation is provided 3. Remove the account from my credit report if they can not properly validate it This behavior is deceptive and non-compliant with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a TD Bank customer and recently experienced a restriction placed on my XXXX profile due to a payment that was sent to me in error by an unknown individual. I did not request or solicit this payment and had no prior relationship with the sender. Once the transaction occurred, the sender reported it, and my account was flagged. I fully cooperated with TD Bank, did not use or transfer the funds, and was willing to allow the bank to reverse the transaction. Despite this, TD Bank permanently restricted my access to XXXX. I believe this outcome is unfair, as I was not at fault and took appropriate steps once I became aware of the situation. I am requesting a reconsideration of this decision or a more detailed explanation as to why my XXXX access can not be restored, given that I did not engage in any fraudulent or inappropriate activity. Also XXXX asks senders close to 4 times if the information is correct and the sender still sent a random funds. That makes no sense to close the others account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: SC

Complaint narrative:
TO XXXX XXXX XXXX XXXX : DISCOVER. COMPANY DISCOVER IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS XXXX DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY XXXX DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT. COLLECTION AGENCY DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. THIS COMPANY IS NOT APART OF THE BETTER BUSINESS BUREAU AND IS NOT A LEGIT COMPANY AND NOT ON XXXX XXXXXXXX. ( Registration Rights Agreement ) with certain affiliates of the XXXX and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the XXXX and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX IS SECURITIZING AND HARASSING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
PayPal offered 20 % cashback rewards on a purchase from XXXX. I made a purchase on XX/XX/year> and applied the promotion. I have screenshots of the promotion saved and applied to the transaction. The points may be pending up to XXXX per PayPal terms. We are over XXXX and the points have now disappeared from the pending status. I have contacted PayPal numerous times. The employees agree the points should be applied. I always receive the same response which is they will escalate to get the points applied. I never hear back as promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CL Holdings LLC
State: NE

Complaint narrative:
I tried settling my options but the lady XXXX hanged up and didnt let me pay. ( XXXX ) XXXX Thats her number

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
TO XXXX XXXX XXXX XXXX : FRAUDULENT COLLECTION AGENCY CHECK N GO NOT A XXXX COMPANY. COLLECTION AGENCY CHECK N GO XXXX COLLECTION IS IN VIOLATION OF MY CONSUMER RIGHTS IS OBLIGATED BY THE FCRA TO REPORT ACCURATE ACCOUNTING CONSUMER HAS ADVISED ALL INQUIRIES/ ACCOUNTS REPORTED WAS FRAUD.COMPANY ABSOLUTE RESOLUTIONS HAS XXXX DAYS ACCORDING TO THE LAW TO REMOVE SUCH ITEMS. NO ACCOUNTS HAVE CONSUMERS WET INK SIGNATURE AND MUST BE REMOVED. FTC FRAUD REPORT WAS FILED ON BEHALF OF THE CONSUMER, CONSUMER IS NOW REQUESTING THIS FRAUDULENT ACCOUNT TO BE REMOVED IMMEDIATELY. PROVIDE THE DOCUMENTATION USED TO DETERMINE ACCOUNT WAS INDEED AUTHORIZED BY THE CONSUMER SUCH AS ORIGINAL PROMISSORY NOTE, CONSUMER WET INK SIGNATURE. COLLECTION AGENCY HAS XXXX DAYS TO PROVIDE ME WITH THE NAME OF THE PERSON ( XXXX ) SPOKEN TO, DOCUMENTATION USED, SIGNED APPLICATION WITH CONSUMER WET INK SIGNATURE. PROOF THAT THIS COMPANY COMMITTED AGGRAVATED IDENTITY THEFT. COLLECTION AGENCY DOES NOT HAVE DOCUMENTATION TO SHOW THESE WERE IN FACT AUTHORIZED IT MUST BE REMOVED ASAP. SAID COMPANY IS LIABLE UNDER THE SEC TO FOLLOW CERTAIN RULES. THIS COMPANY IS NOT APART OF THE BETTER BUSINESS BUREAU AND IS NOT A LEGIT COMPANY AND NOT ON XXXX XXXX. ( XXXX XXXX XXXX XXXX with certain affiliates of the XXXX and certain members of management. This Registration Rights Agreement provides the Sponsors an unlimited number of demand registrations, which require us to register shares of our common stock under the Securities Act of 1933, as amended ( the Securities Act ), held by the Sponsors and, if requested, to maintain a shelf registration statement effective with respect to such shares. Each of the XXXX and members of management party to the Registration Rights Agreement is also entitled to customary piggyback registration rights and entitled to participate on a pro rata basis in any registration of our common stock under the Securities Act that we may undertake. The Registration Rights Agreement also provides that we will pay certain expenses relating to such registrations and indemnify the Sponsors and the members of management party thereto against certain liabilities which may arise under the Securities Act. I WILL BE FILING FORM XXXX TREASURY XXXX FORMS TO AUDIT CONSUMERS ACCOUNT. XXXX XXXX XXXX XXXX IS SECURITIZING AND HARASSING CONSUMERS DATA YET REFUSE TO PROVIDE CONSUMER A COPY OF THEIR CONSUMER FILE NOT CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received notice from Navy Federal Credit Union regarding an alleged debt associated with account number ending in XXXX. Upon reviewing my credit reports and the information provided, I have concerns regarding the accuracy and validity of this debt. I formally requested validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. However, I have not yet received sufficient documentation verifying that this debt is accurate, that I am legally obligated to pay it, or that Navy Federal Credit Union has the authority to collect on it. Specifically, I have not been provided with a signed agreement, a complete payment history, or documentation supporting the balance being reported. Additionally, there is a lack of transparency regarding how the debt was calculated and whether any third parties have been involved in the handling of this account. Due to the absence of proper validation, I dispute the legitimacy of this debt and the manner in which it is being reported or collected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX XXXX inaction violates federal law and my rights as a consumer. Account : XXXX XXXX XXXX XXXX XX/XX/year>, {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: NJ

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Edfinancial Services on my federal student loan accounts. In XXXX my loans were placed into repayment status and I was not aware that payments had been triggered until I received a notice in XX/XX/XXXX. After receiving that notice I contacted Edfinancial immediately. At that time the loans were placed into temporary deferment while my request for XXXX XXXX XXXX XXXX was reviewed. My request was later approved and my loans are now in authorized forbearance through XX/XX/XXXX. Because the loans qualified for forbearance, payments are not required during this period. Despite this, Edfinancial reported XXXX day late payments to the credit bureaus for the period of XXXX through XX/XX/XXXX. This reporting does not accurately reflect the account status because the loans ultimately qualified for forbearance and should not have been reported as delinquent during that timeframe. I have disputed this reporting with XXXX and XXXX. I am requesting that Edfinancial correct the credit reporting on all affected loan tradelines so the accounts reflect the approved forbearance status and remove the late payment history associated with the XXXX through XX/XX/XXXX period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I bought window blinds from Lowes the girl that rang me up said I could put it on a temporary credit card and come in the next day and pay it off. I did this. I have the receipt with the payment transaction attached to the receipt. I have sent this to Synchrony Bank several times and they have still sent it to collections. I have been getting debt collectors trying to get the payment for a year and a half when I have already paid and have the proof. They have also said that something else was bought on this temporary card which is not true. Please have them stop contacting me!

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 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/2024 i entered a XXXX XXXX XXXX XXXX for the purchase of a motor vehicle the contract was subsequently to a financial company. In the XXXX section i did not sign or authorize XXXX insurance but in the amount financed there was a XXXX charge for {$900.00} and some improper fees, i receive a letter from the XXXX stating that XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding unauthorized fraudulent transactions on my Cash App account. In XXXX I deposited approximately XXXX into my Cash App account after not using the account for over a year. Shortly after depositing the funds, someone accessed my account without my knowledge or authorization and used my money to purchase XXXX and then immediately withdraw the XXXX. I did not authorize any XXXX purchases or withdrawals. I have never used XXXX before and do not understand cryptocurrency transactions. My Cash App account history shows that I normally only use the account for regular purchases and transfers, not cryptocurrency. When I reported the fraudulent activity to Cash App, they stated that their investigation determined the transaction was authorized and denied my claim. Their explanation was that the only activity on my account within the year involved XXXX transactions. However, this does not make sense because the reason there were no other transactions is because I had not used the account for over a year. The XXXX purchase and withdrawal happened without my knowledge immediately after my deposit. I believe my account was compromised or accessed fraudulently. I am requesting that Cash App conduct a proper investigation and reimburse the unauthorized {$800.00} that was taken from my account. As a consumer, I should not be held responsible for fraudulent transactions that I did not authorize, especially involving cryptocurrency purchases that I have never used before. I am requesting assistance in resolving this matter and having Cash App refund the unauthorized transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding a Santander XXXX account that is currently being reported with multiple late payments, including 30, 60, and 90-day delinquencies, which I am disputing as inaccurate, inconsistent, and unverified. The account in question is : Santander XXXX Account No. XXXX This account remains active ; however, the derogatory payment history being reported is materially damaging and has not been properly substantiated despite prior disputes. This matter has previously been disputed, yet the account continues to report late payments without sufficient documentation demonstrating that a reasonable investigation has been conducted or that the reported information is accurate and complete. To date, I have not been provided with : - A complete and verifiable payment history reflecting all transactions and due dates - Documentation showing how each reported late payment was determined - Confirmation that the reported delinquency dates are accurate and consistent with the account records- Evidence that a reasonable investigation was conducted in response to prior disputes Under the Fair Credit Reporting Act, specifically FCRA 611 ( a ) and 607 ( b ), all information furnished must be accurate, complete, and verifiable through a reasonable investigation. Additionally, under FCRA 623 ( a ) ( 1 ), furnishers are prohibited from reporting information that is inaccurate or can not be substantiated. Given the number and severity of the reported late payments, I am requesting that Santander provide detailed documentation supporting each individual delinquency. Each reported late payment must be independently verified with complete supporting records. The continued reporting of potentially inaccurate or unverifiable late payments raises serious concerns regarding compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
I was trying to order a product online I thought the website presented was legit as they were offering legit items on their website that is a real product but they do not have this product they claim to have available. They are posing as if they have the product on their website. I was sent a QR code to send them money directly as this was an offered form of payment. When asked why I couldnt make the order online I was told that their website was being updated. The financial institution refuses to give me a dispute for this transaction. I was scammed out of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
Im Negative on my credit and I didnt use any money on it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
I had recently ( XXXX ) changed my linked debit card to my XXXX card, which had been previously linked. I meant to add the XXXX card to my XXXX account but wasnt paying attention. Shortly after I received notification that my cashapp account was closed for violating a term of service but it didnt list what I violated. I reached out to customer service and they said that was beyond what she could handle. I would need to proceed with the appeal. I did proceed. However they said it could take a while for that process. I have a tax return being deposited into that account. I am a sponsor for both of my childrens accounts that they use daily. They were closed. I have numerous payments linked to that account including car insurance. There was no warning and no reason given. I wasnt given an opportunity to correct something when they closed it with no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year>, I visited a Wells Fargo bank located on XXXX XXXX. I had purchased six money orders that were ultimately unused. I was previously informed that unused money orders would result in a reimbursement of the associated {$30.00} fee. Upon inquiring with the teller, XXXX, about this reimbursement, I received a negative and somewhat agitated response. When I pressed for clarification, she involved her manager, who then escalated the matter to the branch manager. The branch manager assured me that a corporate representative would contact me today ; however, as of XXXX XXXX, I have not received any communication. Subsequently, I contacted the XXXX number and spoke with two representatives who stated they were unable to assist with the fee reimbursement. Despite this, I have received information from other sources suggesting that such a reimbursement is indeed possible. The call was then disconnected

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 2026-03-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo bank has blocked and unblocked my account more than 7 times so far this year. They have made me call to cover up their illegal activities, then released the account and repeated this process several times. They have caused me damages and losses, and I have spent hours on phone calls. They've charged me {$6.00} multiple times and are manipulating my accounts, stealing my balances without giving any explanation. They're scammers, and I want the government to act immediately to repair the damage, return the money they've stolen, and I demand over {$800000.00} in damages. I'm a XXXX, and they've caused me XXXX and financial harm that I'm still suffering from.

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