vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: FL

Complaint narrative:
On XX/XX/XXXX, I personally returned a XXXX XXXX to XXXX XXXXXXXX XXXX XXXX branch ( Branch XXXX, XXXX XXXX XXXX XXXX, XXXX FL XXXX ). XXXXXXXX XXXX own Sales, Service and Rental Agreement ( Work Order XXXX ) documents the return with transaction type P/U, notation " XXXX XXXX XXXX XXXX XXXX XXXX XXXX' and {$0.00} balance on all line items including the XXXX XXXX XXXX XXXX XXXX ( Serial # XXXX ), power supply, and travel bag. Despite this, XXXX continued billing me and my insurer XXXX for 13 months for equipment in their possession. I attempted to resolve this by visiting their branch in person, calling their billing department multiple times, and conducting a three-way call with XXXX and XXXX together . Each attempt failed to stop the billing. XXXX has now sent the account to collections. On XX/XX/XXXXXXXX I sent written notice to XXXX corporate ( XXXX ) citing the work order number, serial number, and return receipt, and notifying them of my intent to file regulatory complaints. XXXXXXXX XXXX XXXXXXXX XXXX department acknowledged receipt but has not resolved the matter or confirmed that charges have been voided or that the collections referral has been recalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Applied for state level ( XXXX XXXX XXXX XXXX ) XXXX benefits on my current and past accounts with XXXX. I provided a XXXX showing the state of Ohio as my Permanent Home of Record as well as an XXXX with OH as the tax state. They have denied my request stating I am also required to have an Ohio Drivers License to be eligible for state level benefits. The drivers license does not have anything to do with residency nor XXXX benefit eligibility. This company heavily promotes military support yet has found any and every reason they can do deny XXXX benefits. The company has all required and requested qualifying documents, besides and Ohio state DL.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I am missing past statements from XXXXXXXX XXXX XXXX XXXX and XX/XX/year>. I requested these statements 6 times. I spoke to a representative twice and a manager once. I requested them online 3 times. I was told it would be faxed and uploaded to the portal within 48 hours. It has not been uploaded. I need this information for a personal situation, and this has been delayed for weeks because they will not give me my statements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: TX

Complaint narrative:
I am disputing a collection account being reported by Bounce AI Inc. in the amount of approximately {$2100.00} related to an alleged XXXX loan originated by XXXX XXXX. Bounce AI Inc. appears to be attempting to collect this debt and report it to the credit bureaus while operating in Texas without complying with Texas debt collection requirements. Under Texas Finance Code 392.101, third-party debt collectors are required to file a {$10000.00} surety bond with the Texas Secretary of State before engaging in debt collection activity in the state. Public records searches do not show a bond filed for Bounce AI Inc. Because of this, it is unclear whether Bounce AI Inc. is legally authorized to collect debts or furnish credit reporting information in Texas. Additionally, Bounce AI has not provided documentation demonstrating : Their legal authority to collect this debt in Texas Proof of a filed surety bond as required under Texas Finance Code 392.101 The chain of assignment showing that this account was legally transferred to them The original contract or documentation establishing my obligation If Bounce AI Inc. is not properly bonded or authorized to collect in Texas, then their collection activity and credit reporting may violate Texas Finance Code Chapter 392 as well as the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Requested Resolution I request that Bounce AI Inc. : Provide proof of compliance with Texas Finance Code 392.101, including documentation of a filed surety bond. Provide documentation showing legal ownership and assignment of this debt. Cease collection activity and remove this account from all credit bureaus if they can not demonstrate legal authority to collect in Texas. Until such documentation is provided, the account should be considered disputed and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bilt Technologies, Inc.
State: MA

Complaint narrative:
I applied for a Bilt XXXX XXXX, but because I was XXXX for work, I requested that the card be mailed to my address while I was away. I submitted the application on XX/XX/XXXX and provided a selfie with my ID as required, but I hadn't received any response by XX/XX/XXXX. I repeatedly called to inquire, but customer service kept telling me to wait without giving me a timeframe. Some customer service representatives even lied to me and provided incorrect information, which is why I can no longer use my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
Opened up a Barcley charge card. I never used it. Here someone charged on it. I reported fraud. Now Im trying to get a line of credit at my bank and it is in my credit report. I had it looked into. I just received a letter today that they are saying they believe I charged it. I did not. If I did I would have paid my bill. I do pay my bills. This purchase was made in XXXX. So now I will not be as XXXX get my line of credit f or a new roof. This is terrible.

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 2026-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AR

Complaint narrative:
I just removed a device login from Illinois and another in Colorado and I don't know who it is and remittance payments that was removed from my account is fraud unauthorized activity and all the agreements that have been changed to favor the hacker I didnt never agree to so my account and money is compromised at the hands of cashapp allowing this because I couldn't have done a thing while in XXXX they say no phones but anyways when cash app is done letting me get stole from id like my property placed back in my account and all the users and sponsored this and that is unauthorized activity and has been since cashapp allowed someone to breach my account and send all my money to other countries I've never sent a payment out of this country and never will and it's fraud.the XXXX account i just found out i have that these remittance payments account and my payments went to this account and remitted to the hackers account outside the country i want my stolen property returned and I didnt set none of these accounts up other than i knew i had payments coming to me and i didn't know where until now that i can actually say something but yes the hacker has it all set up to benefits them and i can't control none of it because the way it's set up with parental controls i can only do so much does XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because they are in my investigating and I have the ways they were stealing my money and sending it to XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and more and i didn't authorize a dime of my money to be removed.i want something done this is a XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 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: GA

Complaint narrative:
I am filing this complaint regarding unauthorized activity and account takeover fraud involving my PayPal account. Since approximately XX/XX/year>, unknown individuals gained access to my PayPal account and began transferring funds from my account to an external XXXX XXXX account and a XXXX card that do not belong to me. These funds consisted primarily of my affiliate commissions and business income. In total, approximately {$16000.00} has been transferred out of my PayPal account without my authorization. Upon reviewing my account activity, I discovered that an additional email address had been added to my PayPal account without my knowledge or permission, along with the external bank account and XXXX card used to withdraw the funds. I immediately contacted PayPal to report the fraudulent activity. However, PayPal informed me that the XXXX account receiving the funds was listed under my name and therefore they considered the transfers authorized and stated there was nothing they could do. I then contacted XXXX directly. XXXX fraud department informed me that they have no record of any account under my name or my maiden name. They advised that they would need the full account number from PayPal in order to investigate further. When I requested this information from PayPal, I was told they either could not provide it or did not have access to it. Further review of my PayPal transaction history also revealed that the unauthorized users transferred money from my XXXX checking account into my PayPal account and then immediately withdrew those funds to the same external accounts, allowing them to remove larger sums of money. I have since contacted XXXX, and they have opened an investigation into the unauthorized withdrawals from my bank account. I have also filed a local police report and submitted a complaint to the FBIs Internet Crime Complaint Center ( IC3 ). Despite clear evidence of unauthorized account access, including the addition of an unknown email address and external payout methods, PayPal has refused to investigate further and maintains that the transfers appear authorized. I am requesting that this matter be investigated as an account takeover and identity theft incident and that PayPal conduct a proper fraud investigation into the unauthorized transfers and the external accounts used to receive my funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
On Sunday XXXX, XXXX I had {$290.00} available credit on my quicksilver secured card from Capital One. I initiated a payment for the balance of {$200.00} and since the card is new to me, and I am trying to figure out how the system works, I cancelled this payment and tried scheduling it on my other bank account to see if that was why it sometimes gives me access immediately to deposited payments, and sometimes does not. It did not give me access so I determined it's just an internal thing they decide and cancelled the second payment as well, and then rescheduled from my primary account that I prefer to use since it didn't seem to make any difference in speed of availability. When I cancelled these payments, the system had some sort of glitch or error and it took my available credit, as if it had given me access to the now scheduled money early. To be clear sometimes they will increase your available credit right away, before a payment fully posts. Obviously if you cancel that payment it removes that credit from your available credit as the money has not actually cleared your bank. In this situation this never happened, and the {$290.00} the system took was mine, free and clear, of any pending payments. Well before I scheduled this current payment of {$200.00}. The representatives were argumentative, rude, dismissive, and made zero attempt to actually help me while I have bills and things hitting my card declining and I should by all rights have plenty of credit to cover it that has been posted long before this issue came up. If you start at day 1 of my card being open, and add and subtract every credit and payment you end up with my current balance as the final number. There is no reason what so ever for them to continuously tell me I can not access my {$200.00} payment before it clears because I never asked about that, and specifically said that was NOT why I was calling over and over. Zero concern for the fact that their system has just taken my money and a rush off the line is all I got. A '' supervisor '', telling me got wait until the " holds '' clear tonight for the cancelled deposits which makes absolutely no sense. Why would the cancelled payment put a hold on money I already had before I ever initiated it. I expect I will end up waiting until this new payment posts and my account says $ XXXX {$500.00} available to call back and go through this all over again but even if by some chance it does resolve itself, it is still completely unacceptable that this happened and that I have received zero concern or attempts to help at all from the support at this company. Please help me deal with this and receive some sort of satisfaction from this very poor handling of my very real and unacceptable issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I am enrolled in a XXXX XXXX, it is an 11 month program - Total Price : {$16000.00}. I applied for financial aid ( XXXX ), years XXXX and XXXX. When I completed it, I told my financial aid over our school. I also receive VA benefits that do not apply towards any funding for school. When I first enrolled in the school and I told my financial aid over the school, that I will also be receiving VA benefits, she had already calculated how much I would be getting from VA ( I didnt even know how much va was going to give me ) and said already a price set on how much I would have to pay out of what they give me which was ( {$760.00} ), this was said during enrollment without knowing how much FASFA has issued me because at that time I had not yet applied because I was enrolling ( signing up ) for the school. I had made my first payment of {$780.00} on XX/XX/XXXX. I was given a sticky note of what I owed and a receipt of the amount I paid. The first note was given to me when I paid {$780.00} the second note was given to me XX/XX/XXXX with a different price. This raised my suspicion even more and why I seek for help. I had already voiced my concerns over the months I didnt pay, on why I had to pay as Im attending school and that I applied for 2 years of XXXX and shouldnt they wait until the next one is disbursed. I asked for a breakdown on when my Fasfa was issued and how it was being applied, I asked for all my information during enrollment and any papers I signed. I was brushed off with attitude every time and was never given an answer at any point in time. I was told my XXXX was disbursed a little over {$7000.00}, which was said that I would owe somewhat over {$9000.00}. I asked about my Fasfa of XXXX when will that be applied since the {$7000.00} is only coming from XXXX XXXX XXXX said in order to receive it I would still have to be enrolled in the school come XX/XX/XXXX in which I will still be enrolled. So if I was to receive the same amount for XXXX Fasfa that XXXX make my school covered a little over {$14000.00} and I would come out of pocket a little over {$2000.00}. I refused to pay until the issue is resolved and I have since been threatened verbally with late fees and now as of XXXX XXXX I was told if I dont make a payment I will not be able to start my next class. I voiced my complaints and been ignored and brushed off. I want to know why I have to make payment while actively enrolled in school, why is my payment that much, why arent we waiting til my XXXX Fasfa will be applied. I have compared stories to other students and nobody has the same price or pays that much while attending and majority only relies on XXXX with no Va benefits issued to them. Most of them have not made a single payment and have not been told that the cant attend any future classes or late fees. Im confused on why it is different for me.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Rocket Mortgage, LLC
State: TN

Complaint narrative:
Rocket XXXX has a faulty website and will not answer the phone. I am missing my 1098 form which is illegal!!!! They never sent it!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: MORGAN STANLEY & CO. LLC
State: MA

Complaint narrative:
On XX/XX/year>, I found my checking account and Premium Savings Account with E * TRADE / Morgan Stanley Private Bank were both closed without prior notice, and my Logon ID became invalid. At the time of closure, the accounts held approximately {$1500.00}. Since the closure, I have lost online access and have not received : 1. A closure letter 2. Final statements 3. Confirmation of the closing balances 4. Disbursement of the remaining funds I have contacted customer service multiple times over the past several weeks and received conflicting information from different representatives : 1. On XX/XX/year>, when I found my accounts were closed, I called Etrade for my statements and remaining funds disbursement and a representative told me to wait for XXXX business days. 2. On XX/XX/year>, a representative asked me to upload a Letter of Instruction ( LoI ) with my ID. I submitted it ( please see attached ) but received no response. 3. On XX/XX/year>, I called again and another representative requested a handwritten LoI with ID. I submitted it ( please see attached ) as instructed, but I have still received no update or confirmation. As of today, I have received no response or confirmation, and I do not know the status of my remaining funds. I request that E * TRADE / Morgan Stanley : 1. Provide written confirmation of the final balances. 2. Provide copies of all final account statements. 3. Disburse the remaining funds ( ~ {$1500.00} ) to my current address. Optional context : I had also completed all requirements for promotional cash bonuses on these accounts, which have not been credited. While my primary concern is the return of deposited funds, I may submit a separate complaint regarding the bonuses if this issue is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Calling my job using aggressive behavior impersonating an attire threatening legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation