vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
CFPB COMPLAINT NARRATIVE PayPal Working XXXX has failed to terminate a XX/XX/XXXX lien after I fully paid off the loan. XXXX confirmed payoff in writing and returned the file to PayPal. PayPal acknowledges receipt under Reference ID XXXX, but refuses to issue the required secured-party documentation. XXXX ( XXXX ) is holding all my business funds and will turn them over without PayPals confirmation. This is blocking payroll for XXXX employees. PayPal has misrouted me to unrelated third parties and refuses to involve Operations Support ( Bill Me Later backend ), the team responsible for secured-party filings. This violates : XXXX XXXX California Commercial XXXX XXXX Good faith duties Basic secured-party obligations I request CFPB intervention to force PayPal to terminate the lien and provide required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America reported an account closed with no monetary loss. XX/XX/XXXXclaims it was verified, however no detailed method of verification was provided. I am requesting proper documentation or removal of this record.

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 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Your Name XXXX XXXX Your Address XXXX XXXX XXXX XXXX XXXX XXXX City, State ZIPXX/XX/XXXXe Nj XXXX Date of Birth XX/XX/XXXX ( Last XXXX of SSN XXXX )XX/XX/XXXX Compliance / Billing DepartmentXX/XX/XXXX: Formal Notice of Dispute Account XX/XX/XXXXXXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account that is currently being reported as a negative item on my consumer credit report. The account is reporting as opened on XX/XX/XXXX2021, with a total balance of {$98.00}. I dispute the accuracy and completeness of this reporting. Pursuant to 15 U.S.C. XXXX ( b ), furnishers of information are required to follow reasonable procedures to assure maximum possible accuracy of the information reported to consumer reporting agencies. The reporting of this account must be verified for accuracy and compliance. Additionally, pursuant to 15 U.S.C. XXXX, I am requesting full validation of this alleged debt. Under 15 U.S.C. XXXX, you are hereby notified that all communications regarding this matter must be conducted in writing only. Please provide the following documentation : XXXX. A copy of the original signed membership agreement or contract. XXXX. A complete itemized billing statement showing how the alleged {$98.00} balance was calculated. XXXX. A full payment history from the alleged date of opening. XXXX. The name and address of any third-party agency involved in collection or reporting. XXXX. A copy of the XX/XX/XXXX record furnished to the consumer reporting agencies to verify this account. XXXX. Identification of the systems, procedures, and personnel used to review and verify the accuracy of this account and reporting. XXXX. The date, time, phone numbers, email addresses, and identities of individuals contacted during the performance of your investigation. XXXX. Documentation establishing your permissible purpose for furnishing and continuing to furnish this information. If you can not provide competent evidence validating this debt and verifying the accuracy of the information furnished, you are required to immediately delete or correct the inaccurate reporting with all consumer reporting agencies. Please provide a complete written response within XX/XX/XXXX days of receipt of this notice. Sincerely, XXXX XXXX

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 2026-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
In XX/XX/year>2023, an XX/XX/XXXX account was wrongly sent to collections because XXXX XXXX XXXX claimed equipment had not been returned. I immediately contacted XXXX XXXX XXXX and spoke with a supervisor named XXXX. She investigated and confirmed the equipment had been misfiled in XXXXXX/XX/XXXXXXXX warehouse. She told me the account would be cleared and that XXXX XXXX XXXX would notify the credit bureaus ( includingXX/XX/XXXX) within XXXX business days. The collection entry was removed at that time and a follow-up call confirmed the balance was paid in full/ no money was owed. However, since then, this same debt has been sold or transferred to multiple collection agencies. Each time a new agency gets it, they report a collection account to my credit report again ( most recently showing as Credence Resource Management with XXXX XXXX XXXX XXXX as the source ). This has created an ongoing cycle where I have to repeatedly dispute the same inaccurate debt even though it was already confirmed as an error and cleared. I am asking that this collection account be permanently deleted from my credit report and that the companies involved stop re-reporting or re-selling an invalid debt. I also want written confirmation that there is no balance owed and that this account will not reappear in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 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: WI

Complaint narrative:
On XX/XX/scrub>XX/XX/XXXX, and XX/XX/scrub> 2025, I sent ACH-funded payments through PayPal to the same recipient, XXXX XXXX XXXX for goods or services that were never delivered. TheXX/XX/XXXX transaction occurred on XX/XX/scrub> 2025, in the amount of {$500.00} USD ( {$660.00}XX/XX/XXXX ), including a {$4.00} fee. The transaction ID is XXXX. The XX/XX/XXXX transaction occurred on XX/XX/year>2025, in the amount of {$450.00} USD ( {$590.00} XX/XX/XXXX ), including a {$5.00} fee. The transaction ID is XXXX. Both payments were funded primarily through my linked XXXX bank account ( ending in XXXX ), with PayPal acting as the payment processor. PayPal indicated that the recipient should receive the funds within XXXX business day for each transaction. The recipient did not provide the promised goods or services and did not issue a refund despite contact attempts. I contacted PayPal to dispute the transactions. PayPal denied the disputes. I then contacted my bank, XXXX, to request disputes or investigations. XXXX informed me that because the transactions were ACH debits processed through PayPal, they could not be disputed further and that a claim had already been filed and closed. PayPal stated they would cooperate if contacted by my bank, but my bank declined to initiate further investigation. As a result, I am unable to obtain resolution from either company, despite authorizing the payments only for goods or services that were not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Torriere Holdings INC
State: CO

Complaint narrative:
XX/XX/XXXX has contacted my room mate XXXX XXXX on his work phone and personal cell phone about my debt. He is not related to me in anyway and has no connection to my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase took adverse action by deactivating my online login credentials ( XXXX and XXXX ) without giving explanation and refused to reactivate my login credentials.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TekCollect Inc.
State: AZ

Complaint narrative:
Verification Letter XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TEK-COLLECT INCXX/XX/XXXXXX/XX/XXXX debt validation Dear TEK-COLLECT INC : I am responding to your contact about an alleged debt you are trying to collect. You contacted me by email, on XX/XX/XXXX and identified the alleged debt as a medical charge that was not paid by the insurance. Please supply the information below so that I can be fully informed about the alleged debt : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. The name and address of the original creditor and any other names used. A copy of the original contract or other agreement. The name of any other person that is or was required to pay the alleged debt. The amount and age of the debt, including : Provide a copy of the last billing statement sent to me by the original creditor. State the amount of the alleged debt when you obtained it. State the date when you obtained the alleged debt. Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. Provide an itemization showing any payments since the last billing statement from the original creditor. State when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. State when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt, including : Provide the number of any license to collect debt in Arizona and the name of the issuing agency. Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency. Please treat this debt as disputed until you provide the information requested. Thank you for your cooperation. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: NY

Complaint narrative:
CFPB Complaint Statement Company : Westlake Financial Services Product : Auto Loan Issue : Title transfer delay preventing vehicle registration I am submitting this complaint regarding Westlake Financial Services failure to properly process and transfer my vehicle title for interstate registration. I currently have an active auto loan with Westlake. I recently moved to New York and am attempting to register my vehicle in New York State. In order to complete registration, the New York DMV requires the title or confirmation of the lien to be properly transferred from the prior state. On XX/XX/year>2025, I submitted a written request to Westlake Financial Services asking that they process the title transfer necessary for New York registration. As of today, more than XXXX days later, the matter remains unresolved. I have not received : Confirmation that the title has been sent The date it was mailed or electronically transmitted Any tracking information A clear explanation of the delay Because of this failure, I am unable to register my vehicle in New York. This has created ongoing hardship and places me at risk of registration penalties, fines, or inability to legally operate my vehicle. As the lienholder, Westlake has a legal obligation to cooperate with interstate title transfers and not unreasonably delay a consumers ability to register their vehicle. The lack of communication and inaction for over XXXX months constitutes unreasonable servicing delay. I am requesting the following resolution : XXXX. Immediate confirmation of the location of my vehicle title. XXXX. Immediate transfer of the title or proper lien documentation to the New York DMV Title Bureau. XXXX. Written confirmation of the date and method of transmission. I am simply seeking compliance so I can lawfully register my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TrueAccord Corp.
State: TX

Complaint narrative:
TrueAccord has been attempting to collect an alleged debt and has contacted me repeatedly by phone and text message. I formally disputed the alleged debt and requested validation pursuant to the Fair Debt Collection Practices Act. For identification, I provided my full legal name, XXXX XXXX, and date of birth, XX/XX/XXXX. The company refused to process my validation request unless I provided their internally assigned account number, which I do not have and am not required to provide under federal law. TrueAccord has continued collection efforts, including calls and text messages, and has implied potential legal action. I was informed the alleged account went into default in XX/XX/XXXX. I have not been provided proper validation of the alleged debt. Additionally, the company requested my email address despite already communicating with me using the same email address throughout this matter. I am requesting that TrueAccord provide lawful validation of the alleged debt and cease collection activity until proper validation is provided.

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 2026-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
Village Capital publicly advertises Borrower Assistance / Hardship Programs on its website. However, when I was contacted by a Loan Officer, she stated she was unaware of any hardship programs. When I called customer service, I was told the company does not offer hardship programs. After I referenced the information published on their website, I was then told that I do not qualify, despite no financial review being conducted and no eligibility criteria being explained. I am currently experiencing financial hardship and requested a formal loss mitigation evaluation while my loan is still current. The company has provided conflicting and misleading information regarding available assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
NOTICE OF WILLFUL NONCOMPLIANCE AND DEMAND FOR IMMEDIATE BLOCK

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 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: NJ

Complaint narrative:
so going to thru my credit files after year playing for the XXXX FIND OUT fraudulent account under my name that I don't have clue where they came from

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Headwaters Financial Corp.
State: SC

Complaint narrative:
Headwaters financial Corp XX/XX/XXXX {$28000.00} Attorney fees {$2000.00} They Took Me to Court Without my knowledge. I had Filed a police report for my vehicle being broken into on XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
I sent a written request on XX/XX/2026 ] regarding an improper escrow action related to an unearned insurance premium refund. I have not received a response. There was no loss event and no lapse in coverage. I am again requesting an insurance compliance review and reversal of the escrow action. Please confirm receipt of this message and provide a status update.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I cleared all the due before I leaving the apartament for some reasons after XXXX years they sent me to crdit bureau for a debt that I dont owed.the collector name is NATIONALCREDIT SYSTEM. The debt is affecting my family that mean having trouble finding New place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
In XX/XX/XXXX, I sold a property located XXXX XXXX XXXX XXXX XXXX. That property had a homeowners insurance policy with XXXX. The mailing address on that policy was my residence XXXX XXXX XXXX XXXX XXXX, which is also mortgaged with PennyMac. In XX/XX/XXXX, XXXX issued a renewal for the sold property. Instead of rejecting this renewal, PennyMac paid it from my escrow account for XXXX XXXX XXXX XXXX and incorrectly applied that policy to the XXXX XXXX XXXX XXXX loan, despite the declarations page clearly showing the insured property was NOT my home. Because of this error, PennyMac failed to renew my actual homeowners insurance policy with XXXX for XXXX XXXX XXXX XXXX in XX/XX/XXXX. This caused a coverage lapse beginning XX/XX/XXXX. As a result of the lapse : My home was left completely uninsured for two months XXXX XXXX Bank ( line of credit ) issued forced-placed insurance My new insurer, XXXX, charged a {$1800.00} lapse-in-coverage surcharge I had significant financial exposure and emotional distress knowing my home was uninsured I have spent countless hours since XX/XX/XXXX trying to resolve this. On a recorded line, a PennyMac representative admitted that PennyMac made the mistake, but still claimed it was my responsibility to catch their error and that they mailed a letter I never received. They are now refusing to reimburse me. This is a clear servicing error involving : Misapplication of insurance Failure to maintain hazard insurance Failure to verify property addresses Improper forced-placed insurance Mishandling of escrow Failure to provide proper notice Attempting to shift responsibility to the borrower for their own admitted error Leaving the borrower uninsured XXXX has already refunded the incorrect renewal. However, PennyMac refuses to reimburse : Forced-placed insurance ( XXXX ) XXXX surcharge ( {$1800.00} ) Additional damages caused by their negligence I am seeking CFPB assistance to compel PennyMac to correct this error, reimburse the charges they caused, and acknowledge the lapse was due to their negligence, not mine. Supporting documents include the XXXX declarations page, which clearly shows the insured location as XXXX XXXX XXXX XXXX a property I sold in XX/XX/XXXX not my home XXXX XXXX XXXX XXXX XXXX. PennyMac applied this completely incorrect policy to my escrow account and loan, despite the insured location being printed clearly on the first page of the document. This proves the error originated entirely inside PennyMacs insurance servicing department, not from any action on my part. Their failure to verify the insured property address directly caused the two-month lapse, forced-placed insurance, and the surcharge from my new insurer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, {$99.00} was removed from my account via Cash App. Cash App marked the refund as completed and stated in a note that a transfer dated XX/XX/year>, was disputed and returned. This is false, as I never initiated or received a refund for any XX/XX/XXXX transaction. I was instructed to wait 5 business days for my bank account to reflect the amount, but after waiting, nothing posted. XXXX XXXX XXXX has confirmed that no incoming credit, pending credit, or suspended refund has posted to my account. They advised me to reach out to Cash App regarding the refund, which I did. I communicated via email with Cash App managers and provided statements showing no deposit or refund in my XXXX or XXXX statements. I also requested from Cash App the Acquirer Reference Number ( ARN ) or confirmation that the refund has fully settled through XXXX rails so my bank could assist in investigating further. Cash App has refused to provide this information and has closed my case without resolving the issue. I am requesting that Cash App provide proof of the refunds settlement so that my bank can properly credit my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 explanation
Consumer complaint received 2026-02-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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