vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
o Whom It May Concern, I am submitting this formal complaint regarding Credit Collection Services continued and inaccurate reporting of an alleged debt to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ).

Credit Collection Services is reporting two alleged collection accounts attributed to XXXX XXXX in the amounts of {$720.00} and {$240.00}. These accounts are currently being reported as collections on my credit reports. 




I have formally disputed these debts multiple times, yet Credit Collection Services continues to report them as valid without providing verification. More concerning, the reported dates on these accounts are repeatedly updated or renewed each year following my disputes, creating the appearance of a more recent delinquency. This practice constitutes improper re-aging of debt, which is prohibited under federal law. 

Despite my disputes : The debts remain reported as collections No proper validation has been provided The reporting dates continue to change, negatively impacting my credit profile This ongoing behavior has caused significant and unjust harm to my credit standing and financial well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I accidentally sent a payment of {$3700.00} via PayPal instead of sending a request. I contacted PayPal within minutes and was told the payment could not be canceled and that the recipient would need to issue a refund. The recipient refunded the full amount the same day. 

On XX/XX/XXXX, in a separate and unrelated transaction, the same party sent me a payment of {$3700.00} as requested. That transaction completed successfully, and the sender paid PayPal fees to send it. 

Despite the refund being issued for the XX/XX/XXXX transaction, PayPal later retried the original payment against my bank account and withdrew {$3700.00} on XX/XX/XXXX. PayPal has stated this is related to an instant transfer advance, but has not clearly explained why the refunded transaction was recharged or why the refund was not released once the funds were withdrawn. 

At this time, neither I nor the other party has possession of the refunded funds. PayPal support has provided conflicting explanations and has been unable to identify where the funds are currently being held or provide a clear timeline for resolution. 

Throughout multiple contacts with PayPal support via chat and phone, representatives repeatedly attributed the issue to internal process or instant transfer mechanics, but were unable to provide a clear, consistent explanation, identify where the funds were being held, or give a specific resolution timeline. 

This situation is extremely troubling and has caused immediate financial harm. I have checks currently processing through my bank account and do not have other income expected in the near term. As a result, I am facing potential bank fees, overdraft charges, and late payment penalties on essential bills due to PayPals failure to release funds that were refunded and then recharged without resolution. 

I am requesting that PayPal locate and release the refunded funds immediately, correct any internal accounting errors linking unrelated transactions, and confirm that no further withdrawals will be attempted for this refunded transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. Best Buy credit {$1100.00} charge.

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 2026-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: GA

Complaint narrative:
I am submitting this complaint against IQ Data International for fraudulent, inaccurate, and unauthorized credit reporting related to an alleged balance of {$7300.00} that I do not owe, did not authorize, and do not recognize.

Description of the Problem IQ Data International is reporting an alleged debt in the amount of {$7300.00} on my consumer credit reports without my authorization and without a valid contractual obligation. I have never entered into any agreement with IQ Data International, nor have I provided consent for them to obtain or furnish my consumer credit information. 

This account is fraudulent and unverified, yet it continues to appear on my credit reports, causing significant harm to my credit profile and financial standing. 

Violations of Federal Law The actions of IQ Data International constitute violations of multiple federal consumer protection laws, including but not limited to : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

1681b Lack of permissible purpose to report 1681e ( b ) Failure to ensure maximum possible accuracy 1681s-2 ( a ) Furnishing inaccurate information 1681s-2 ( b ) Failure to conduct a reasonable investigation after dispute Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

1692e False and misleading representations 1692f Unfair and unconscionable collection practices 1692g Failure to provide proper validation of the alleged debt Fair and Accurate Credit Transactions Act ( FACTA ) Failure to prevent and correct fraudulent or unauthorized information on my credit report Harm Caused As a direct result of this inaccurate and fraudulent reporting : My creditworthiness has been negatively impacted I have been exposed to financial and reputational harm I have been forced to spend time and resources disputing inaccurate information Resolution Requested I respectfully request that the CFPB require IQ Data International to : Immediately delete the {$7300.00} account from all consumer reporting agencies Provide written confirmation that the account has been permanently deleted Cease all collection activity related to this alleged debt Ensure that this account is not sold, transferred, or reassigned Correct any inaccurate information previously furnished This account is unauthorized, unverifiable, and fraudulent, and continued reporting constitutes willful noncompliance with federal law. 

I appreciate the CFPBs assistance in ensuring compliance with consumer protection laws and preventing further harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On [ XX/XX/XXXX phone stolen ], my mobile phone was stolen. 
Shortly after the theft, my XXXX checking account was accessed without my authorization and multiple electronic fund transfers, including XXXX payments, were initiated by unknown third parties totaling approximately $ [ XXXX ]. 

On or about [ XX/XX/XXXX first noticed fraud ], I discovered the unauthorized activity and immediately notified Truist and opened a fraud claim for unauthorized electronic fund transfers. 

On or about [ XX/XX/XXXX police report filed ], I filed a police report and provided Truist with the report and supporting documentation. 

Despite timely notice and documentation, Truist denied my Regulation E claim without proving that I authorized the transactions and did not provide the provisional credit required under Regulation E ( 12 CFR 1005.11 ) during the investigation.

I am requesting that Truist reopen my Regulation E claim, provide written denial reasons and evidence relied upon, and credit my account for all unauthorized transfers.

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 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
On XX/XX/year>, I was suddenly unable to log into my XXXX  account on both the mobile app and the website. The system displays errors such as Something went wrong and We cant complete your request right now. 

I currently have a positive balance in my XXXX  account that I need to withdraw, but I am unable to access or transfer the funds. 

I attempted multiple times to resolve the issue by using XXXX in-app chat, help center, and phone support. All available support options were automated and did not provide an explanation for the restriction or instructions on what verification is required. 

As of today, I still can not access my account or funds, and XXXX  has not provided the requested information or a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
Email Subject To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the Jefferson Capital LLC account currently reporting on my consumer credit file. 

Consumer Information : Name : XXXX XXXX XXXX of Birth : XX/XX/XXXX Last XXXX of XXXX : XXXX Email : XXXX Account in Dispute : Creditor/Collection Agency : Jefferson Capital LLC Original Creditor : XXXX  Date Assigned : XX/XX/XXXX Reported Balance : {$3200.00} Responsibility : Individual After reviewing my credit report, I have determined that this account is being reported in a manner that does not comply with the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the XXXX XXXX reporting standards, which all furnishers are required to follow when reporting consumer data. 

Specifically : The account information is inaccurate, incomplete, and/or unverifiable. 
The reporting lacks proper XXXX XXXX data integrity, including consistent and accurate account status, original creditor information, and assignment details. 
I have not been provided with documentation demonstrating that Jefferson Capital LLC has the legal authority to report this account, nor verification that the information was furnished accurately as required under 15 U.S.C. 1681s-2 ( a ).

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must ensure maximum possible accuracy. This standard has not been met.

Pursuant to 15 U.S.C. 1681i, I am requesting a full reinvestigation of this account. If Jefferson Capital LLC can not provide proper verification that fully complies with XXXX XXXX standards and the FCRA, the account must be deleted immediately from my credit file. 
Please provide written confirmation of your investigation results. If the account is verified, I am requesting copies of all documentation used in the verification process, including proof of ownership, assignment, and a complete payment history as reported under XXXX XXXX guidelines. 

Failure to properly investigate and correct or delete inaccurate information may constitute a violation of federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Date : XX/XX/XXXX 2026

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Valon Technologies, Inc.
State: KY

Complaint narrative:
I filed for chapter XXXX bankruptcy protection on XX/XX/year>. My mortgage company blocked online payment and mortgage management access when they received notice. In addition they are charging a {$610.00} chapter XXXX plan review fee on our statement. This feels like a punitive action. When I asked XXXX very straightforward questions, my request for a response was ignored and/or answered unclearly. I asked why the fee was being assessed, and when the online payment portal access would be restored. The XXXX  question was completely ignored, the second was met with an ambiguous response ( as long as your case is active on the docket ). I believe that Valon is intentionally not responding in order to avoid accountability for possible stay violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Alliant Capital Management LLC
State: MO

Complaint narrative:
On or around XX/XX/XXXX, we applied for credit and font out that their was a account charge off of {$1700.00} witch was the High Balance on my personal credit report witch this was from a business card from a company name XXXX XXXX XXXX and the Credit Limit or original amount was {$3000.00} witch was never used the payments were ACH automatic withdrawal I and the bank went through and ( fine ) that we paid more that we owed {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am filing a complaint regarding misleading marketing for the PayPal Credit Card XXXX  % promotional financing for purchases $ XXXX. 

Marketing emails and the landing page gave the impression that any purchase over {$140.00} using the PayPal Credit Card would qualify for XXXX  % financing for XXXX  months. Based on this, I made several purchases expecting the promotion to apply. 

However, when I saw my statement and that the financing did not apply, I called PayPal customer service and was later told by a PayPal customer service representative that the promotion only applies when using PayPal Credit via PayPal checkout, not with the physical PayPal Credit Card for regular purchases. This was not clear in the marketing and is materially misleading. The marketing is clearly to make the viewer think the financing applies to the credit card as well. If the XXXX  % financing option for purchases $ XXXX is not a feature of the credit card, it should not be in large font, at the beginning of the advertisement/page, as if it is a feature. It should not even be in the same page as it is not related to the credit card itself at all. 

I have attached screenshots of just some of many misleading marketing done by PayPal. In the email attachment sent from PayPal on XX/XX/year>, it states in the email : " Yours with the new PayPal Credit Card '' and right below it : " The same features of PayPal Credit, enjoying No Interest if paid in full in XXXX  months on PayPal purchases of {$140.00} or more. '' This is clearly misleading. 

I request that the CFPB review this marketing as it may constitute deceptive advertising. I am also seeking that PayPal honor the promotion for my qualifying purchases since I would not have used the PayPal credit card for these purchases if I had known that the financing does not apply.

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 2026-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I AM A CONFIRMED VICTIM OF IDENTITY THEFT DUE TO THE EQUIFAX DATA BREACH, WHERE MY PERSONAL INFORMATION WAS COMPROMISED. FRAUDULENT ACCOUNTS AND INQUIRIES HAVE SINCE APPEARED ON MY CREDIT REPORT WITHOUT MY AUTHORIZATION. I SUBMITTED A FORMAL DISPUTE WITH ALL REQUIRED DOCUMENTS UNDER THE FAIR CREDIT REPORTING ACT ; FCRA SECTION 6058, INCLUDING PROOF OF IDENTITY THEFT & CONFIRMATION FROM EQUIFAX THAT MY INFORMATION WAS IMPACTED. PER FCRA 605b, THE CREDIT BUREAUS ARE LEGALLY REQUIRED TO BLOCK AND DELETE ALL INFORMATION RESULTING FROM IDENTITY THEFT WITHIN XXXX ( XXXX ) BUSINESS DAYS OF RECEIVING PROPER DOCUMENTATION. THIS LAW MANDATES IMMEDIATE ACTION. I AM REQUESTING THE IMMEDIATE DELETION OF THESE FRAUDULENT ACCOUNTS & INQUIRIES. FAILURE TO COMPLY WILL RESULT IN LEGAL ESCALATION & ENFORCEMENT UNDER FCRA 616 & 617, FOR DAMAGES DUE TO WILLFUL NONCOMPLIANCE. MY NAME IS XXXX XXXX XXXX, AND I AM THE XXXX SUBMITTING THESE DISPUTES.

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 2026-01-07 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Recieved a phone call from what they said was XXXX XXXX XXXX in Washington DC, about an auto loan I had in XXXX, which was written off as there was an error during initial process and I was never actually approved for the loan, but these guys gave me their names as XXXX XXXX ( attorney ) with litigations HR management, and the other guy was XXXX XXXX ( probably not spelled properly, as he wouldnt spell it out for me ) they tried to pressure me into paying a total of {$8300.00} for this supposed auto loan " I defaulted on '' back in XXXX, and when I said that was way past the statute of limitations anyway. They said it wasn't because the original lender ( being Wells Fargo ) reached out to a judge and got an " approval for a case in XXXX '' so they had till XXXX to get me to pay them. And when I asked for further proof of their business they became hostile and said I either pay today or they would seize my vehicle ( which was handed down to me by my deceased grandfather ) to cover the loan, which also didnt sound right. As the value of the vehicle is only around {$2000.00}. Again I tried to get more information about the debt and their business and they hung up on me. They were exceedingly hostile every post attempt after, and the XXXX XXXX individual at XXXX point said " I may talk to my XXXX wife with an attitude, but I wont talk to him like that '' and he hung up on me. They did have my social, and my address so im worried about what other information they may have had.

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 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Company involved : Synchrony Bank ( CareCredit ). 

I am unable to access my CareCredit account due to outdated phone numbers on file that I no longer have access to. The CareCredit app requires verification using old phone numbers. When logging in via the website, my current phone number appears, but I still can not view my card details or manage my account. 

I contacted CareCredit customer service multiple times over several hours. Representatives refused to update my phone number, stating it was not possible, and I was disconnected twice without resolution. I offered to verify my identity using personal information, but no alternative verification was provided. 

This has prevented me from accessing and managing my credit account. I am requesting that Synchrony Bank/CareCredit manually verify my identity and update my contact information so I can access my 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 explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Date : XX/XX/year> Via Certified Mail and/or Electronic Submission LVNV Funding, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Re : Cease and Desist FDCPA Communication Demand Dear LVNV Funding, LLC, This letter constitutes a formal cease and desist notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ). 

You are hereby directed to immediately cease all communication with me regarding any alleged debt or account you claim is associated with my name. This includes, but is not limited to, phone calls, voicemails, emails, mailed correspondence, and contact with any third parties. 

You may only contact me in writing to confirm XXXX of the following : XXXX. That you will comply with this request, or XXXX. That you intend to pursue a specific legal remedy as permitted by law. 

Any communication beyond what is allowed under the FDCPA will be documented and may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the appropriate state regulatory agencies, as well as any other legal remedies available. 

This notice is sent in good faith with the expectation of immediate compliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I called to inform them, that my information was been taken and applied for a credit card I was unaware about an I was it disputed, and my credit score changed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation