vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Company : PennCredit Original creditor : XXXX XXXX XXXX XXXX XXXX Account reference : XXXX Original account number : XXXX Amount : {$700.00} Date of service : XX/XX/year>XXXX I am filing a complaint regarding an attempt to collect a medical debt that I do not owe. On XX/XX/year>, I experienced a XXXX XXXX and was transported by ambulance from my home to the emergency department at the XXXXXXXX XXXX XXXX XXXX, which is approximately three miles away. I am a XXXX XXXX XXXXXXXX veteran who receives all of my medical care through the U.S. Department of Veterans Affairs. Because I am a XXXX XXXX XXXX XXXXXXXX veteran, emergency transportation related to my medical care should be covered by the VA through the XXXX XXXX Veterans Health Administration Office of Community Care . I specifically instructed XXXX to transport me to the VA hospital for this reason. However, XXXX XXXX XXXX incorrectly billed my private insurance instead of the VA. I was informed during multiple phone calls with XXXX billing representatives that the insurance information was incorrectly changed from the VA to XXXX and that they were unable to change it back. During one conference call with both the VA and XXXX billing, a VA representative stated multiple times that the veteran should not be billed directly and that the claim should be processed through the VA. The XXXX representative ultimately hung up the phone on the VA rep and myself without resolving the issue. Because of the incorrect billing submission, the claim was later denied by the VA due to timely filing issues. This denial resulted from the providers billing error and late submission, not from any action on my part. Despite my repeated attempts over the past year to resolve this with both the VA and XXXX XXXX XXXX, the account was recently sent to collections and I received a collection notice from PennCredit demanding payment of {$700.00}. I have formally disputed this debt with the collection agency because the charges should be handled through the VA. The VA is currently reviewing the matter as a provider billing error. I am requesting that : 1. The collection activity be immediately halted while the dispute is investigated. 2. PennCredit verify the validity of this debt given the VA coverage for emergency transportation. 3. The account be returned to the provider so the claim can be correctly billed to the VA. 4. The debt not be reported to any credit reporting agencies. This debt exists solely because the provider failed to properly bill the VA for covered emergency transportation services.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Well, this this vehicle did not belong to me. I was just a co-signer on it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding both the disputed charge listed below and the unacceptable way US Bank has handled this matter : Charge Posted Date : XX/XX/year>XXXX Amount : {$350.00} Merchant : XXXX I disputed this charge. Despite that, US Bank has failed to handle this matter properly. I have called twice, and both times I was treated horribly by the representatives. On top of that, I was not even given a dispute ID, which is a basic part of any dispute process. I have also not received temporary credit, and the lack of urgency and clarity is very troubling. This experience has been completely unacceptable. I need confirmation that this dispute is being handled correctly and without further delay.

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 2026-03-12 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: TX

Complaint narrative:
The company involved is XXXX. The company wrongfully withdrew my funds without justification. I provided market research consulting services to receive payment through paypal. Initially Paypal held my funds for 180 days, and as soon as I received an email on XX/XX/year> that my paypal funds are eligible for withdrawal, i was not able to do so. The app limited my ability to add my bank account back to retrieve the fund. Paypal seized the entire balance I have without any specific evidence of loss or a court order. The company cited " Acceptable User Policy violation '' but failed to provide transparency on which transaction violated their policy. I provided legitimate marketing consulting service and there were no customer disputes to get their money back during 180-day holding period. This seizure of my property is unfair and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In XX/XX/XXXX, the vehicle was purchased by XXXX XXXX XXXX XXXX dealership prior to the due date of the car payment. Capital One first indicated the payment was late in XXXX, then indicated the account was paid and closed on XX/XX/XXXX. Enclosed is the new auto loan with my current lender a need the Capital One information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
my loans were discharged for school closure for a fraudulent School but there still are remaining loans that have not been discharged from that school i tried to submit feedback I can't get into my account because the verification identity waiting on them to verify that I'm trying to return to school and those loans were not included with the school closure discharge when they should have been from XXXX I need this resolved and I keep on getting the runaround also it has ruined my credit score and I have nothing no loans no credit cards anything except for this student loan and my credit score is XXXX because of this it is ruining my life it should have been included with the rest of the school closure it's all from the same school and I can't get help from anybody I need this to be discharged so I can continue to go to school

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding Afni , Inc . File # XXXX and their handling of a debt arising from a tort/auto accident. The balance on my account has increased from {$4000.00} to {$7000.00}, but the itemized damages they provided do not support this total. Afni representatives have been rude, aggressive, and harassing, pressuring me to pay a {$350.00} down payment plus $ XXXX monthly, which I can not afford. They have also threatened legal action if I do not comply. When the accident occurred, Afni attempted to contact me by phone. I was unable to answer, but I returned the call promptly to explain my side of the incident. Despite my effort to communicate, they denied my explanation and processed the claim without hearing my side, demanding that I pay the inflated balance immediately. Additionally, I believe the other driver was partially at fault for the accident. Afni did not consider my side of the story when processing the claim and demanded I pay the full amount without reviewing my explanation or the circumstances. Afnis conduct is intimidating, abusive, and dismissive of my rights as a consumer. I am requesting that Af ni : 1. Cease all harassing communications. 2. Provide a complete, accurate, and verifiable accounting of the debt, including all fees, interest, and payments applied. 3. Be held accountable for threatening and aggressive collection practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
Bounce AI is reporting a collection account on my credit report under account number XXXXXXXX XXXX XXXX XXXX XXXX with a balance of {$1500.00}. * * I dispute the accuracy and validity of this alleged debt. The company has not provided documentation verifying : the original signed agreement with the original creditor documentation showing transfer or assignment of the debt a complete payment history documentation verifying the balance claimed Under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 623 ), companies must ensure that information reported to consumer reporting agencies is accurate and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit report inaccurate reporting. Debt has been paid and its still a collection owed. It is messing up my Credit report thus disabling me from future positive reporting and tryn to get loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am submitting this complaint regarding a fraudulent financial transaction that occurred using XXXX through my bank accounts held at Bank of America. Transaction Details : XX/XX/XXXX XXXX transfer of {$1500.00} XX/XX/XXXX XXXX transfer of {$1600.00} BOA Ref # XXXX # XXXX On XX/XX/XXXX I believed I was communicating with an attorney I know, who posted items for sale on XXXX. The XXXX post stated the attorney was selling items from an estate sale due to the passing of his mother. Several colleagues including myself were communicating with who we believed to be the attorney via XXXX and text messages. I put down a deposit on several items listed on the post. After sending these transfers, we were informed by the real attorney on XX/XX/XXXX that his XXXX account had been hacked and that he had not posted the sale or authorized receipt of these funds. I have obtained written confirmation from the attorney that his account was compromised. I immediately reported the incident to Bank of America as unauthorized / fraud transactions and requested recovery assistance. To date, the bank has not reversed the transfers and has indicated that these XXXX payments can not be reversed. I also filed a police report with the XXXX XXXX Police Department and have documentation confirming the account compromise. I am submitting this complaint because I believe the transactions were the result of fraud / impersonation and not authorized by me for legitimate services or products. This situation constitutes abusive or deceptive financial practices. I do not believe that Bank of America has adequately addressed my dispute. I have supporting documents such as bank statements showing transactions, text email/communication evidencing fraud, written statement from the attorney confirming account hack, and report number of police complaint. I respectfully request assistance in escalation of this dispute with the bank Examination of whether the bank ( s ) complied with applicable consumer protection regulations Guidance on any further remedies available

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 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ADP Inc.
State: NJ

Complaint narrative:
On XX/XX/year>, a fraudulent charge of {$810.00} was debited from my Wisely debit card by XXXX XXXX # XXXX XXXX XXXX XXXX. I've never done business with this merchant, nor have I visited Michigan ; this is an unauthorized debit from my account. I contacted Wisely about this transaction, and they immediately cancelled the card that was debited and issued me another card. I recently received a letter from ADP-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, RE : Case XXXX for account ending in XXXX, which states ... The investigation has been finalized, and we've determined that there was no error. Record analysis indicates that no fraud has occurred, as investigation results match information on file. No credit will be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CarMax, Inc.
State: IL

Complaint narrative:
I called CarMax for a payment reduction or refinance and was told they dont refinance try a bank and when I did try the bank they denied me because they say I was overcharged for the vehicle and it was not worth the hassle. I dont understand why I have a high interest rate when I had a XXXX XXXX XXXX when financing the vehicle and all accounts were current and updated with no late payments or etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. Balance is {$3900.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$3900.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Issue : Bank of America denied my fraud claim for an unauthorized {$1000.00} transaction that occurred on XX/XX/year>. On XX/XX/year>, they removed {$1000.00} from my account without notice, which caused financial harm. They have not provided a sufficient explanation for their decision. Details : I did not authorize or initiate the {$1000.00} transaction made on XX/XX/year>. I believe my card information may have been skimmed or scanned without my knowledge while I was in public. I reported this transaction to Bank of America as fraud. They later denied my claim, stating only that they deemed it authorized. They provided no documentation, evidence, merchant information, device/IP data, or any explanation as required under Regulation E. Their denial letter does not describe how they concluded this transaction was authorized, and I was never given a chance to review or rebut any findings. On XX/XX/year>, Bank of America removed {$1000.00} from my account without notice, which is improper under Regulation E. A bank is required to provide notice before reversing a provisional credit or debiting a consumers account following a fraud claim review. Regulation E Concerns : Bank of America failed to : Conduct a reasonable investigation Provide the evidence they relied on Provide a written explanation meeting Notify me before removing funds from my account Follow the required timing and communication procedures As a consumer, I can not control or prevent card skimming/unauthorized electronic access, and I am not liable for unauthorized electronic fund transfers under federal law. Requested Resolution : I am requesting that Bank of America : Reimburse the {$1000.00} unauthorized transaction Provide the information they relied on to determine it was authorized Conduct a proper investigation compliant with Regulation E Explain why funds were removed without notice Thank you for your assistance.

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 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. Balance is {$5300.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$5300.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Central Research Inc
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the student loan account ( s ) associated with XXXX XXXX XXXX XXXX. I never attended the school, nor did I complete any college-level coursework. Additionally, I never graduated XXXX XXXX and enrollment at this institution requires a XXXX XXXX XXXX or XXXX. Because I was ineligible to attend the school, I should not have any financial obligations or loans related to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CT

Complaint narrative:
I called Nelnet on or around XX/XX/year>. I called from phone number ( XXXX ) XXXX. The Nelnet agent told me I can submit an IDR application, however, while my loan application is processing, I would not receive processing forbearance. I was forced by the agent to use a month of my 36-month financial hardship forbearance. Nelnet provided false and misleading information. Borrowers do not need to enroll in financial hardship forbearance while their IDR applications are processing. The FSA website indicates all borrowers will automatically be placed into processing forbearance and receive up to 60 days of IDR credit while IDR applications are pending. I seek to hold Nelnet accountable for providing false and misleading information and violating my consumer rights. Please credit back my month of financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On Monday XX/XX/XXXX I wired {$10000.00} from Capital One to XXXX mortgage after confirming the wire instructions verbally and in writing with XXXX. After several hours I didnt see the money in my XXXX account so I called them back. They had no record. I called Capital One, they said it was in progress. I repeated this process again on Monday with both banks. Eventually I got a sent email from Capital One. Midday on Tuesday I still wasnt seeing the money in my XXXX account. I called XXXX and they told me they rejected the wire. I called Capital One and they said they could see the money was on its way back and it should be in my account by end of day. It didnt come back. The money is missing. Wednesday I call again, starting with Capital One. Capital One this time tells me they see the wire as complete not coming back to them and I need a fed wire number from XXXX. I then call XXXX again and they tell me they cant give me a fed wire number because they dont have one because they rejected my wire. I told them that my bank is telling me it was accepted by them. They told me that it was rejected and they cant do anything. We went back and forth like this continuously. Im stuck. Both banks are telling me the other bank is wrong. Help me retrieve my {$10000.00}!!! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I had a purchase on XX/XX/XXXX, from XXXX select for {$340.00}, I never received the item so I submitted a dispute with Robinhood, I never got a credit for that dispute because I was told that an investigation had to be done. After a couple weeks the merchant gave me a refund, of XXXX, leaving my balance at XXXX, so l contacted Robinhood to cancel my dispute since I had already gotten a refund, then a couple weeks later a random " balance refund adjustment '' of XXXX gets added to my account. I never received a credit from Robinhood and yet Robinhood are trying to charge me for the refund that the merchant gave me. l 've had a total of 2 transactions since XX/XX/XXXX The purchase ( XX/XX/XXXXXXXX ) and the refund the merchant gave me ( XX/XX/XXXX ). Ive called Robinhood multiple times, asked for an explanation they say they cant and that the correct department will contact me via email, when I ask for a manager they hang up, Ive recorded all the calls and I never receive any emails from the support team. I also tried to chat with them and they say theyre going to transfer me to the correct department and then they end the chat, the chats are saved in my account. They are blatantly avoiding my request, I will start incurring interest on the outstanding balance and I will not be held responsible for that.

Company response to consumer: Closed with explanation