vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
On XX/XX/year> a XXXX  XXXX  gained unauthorized access to my Paypal account and made XXXX purchases without my authorization totaling {$1500.00}. 

At the time of this transaction, no bank account, debit card, or credit card was linked to my PayPal account. Despite this, PayPal allowed the transaction to proceed. As a result, PayPal is now showing a negative balance on my account and attempting to hold me responsible for a fraudulent transaction. 

I did not authorize this purchase and did not receive any goods or services related to it. This transaction occurred solely due to account compromise and not due to any action or negligence on my part. 

I reported the unauthorized transaction to PayPal promptly. However, PayPal has refused to take responsibility and has declined to remove the negative balance, effectively attempting to collect money from me for fraud committed by a XXXX  XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I was suprise when i check my statement from XXXX. I started paying them since XX/XX/XXXX, i bought a necklace from XXXX XXXX, my debt is {$1400.00} only on my reciept. But in XXXX  its {$1500.00}. Which im confused because they didnt less my downpayment. Yes, i have a late payments but its so depressing that they put too much interest and they have a hidden 5.99 % every month, plus the maintenance fee .i call XXXX  to hear some explanation but they cant give me a good explanation for what i am asking for, and now i check my XXXX  accnt. I have a balance of {$1700.00}, i am so freaking out because even i have late fees, it will not be like that! They can not explain why my balance is {$1700.00}, i pay every month since XXXX XXXX {$99.00}, XXXX XXXX {$99.00}, XXXX XXXX {$99.00}, XXXX XXXX {$100.00}, XXXX XXXX $ XXXX pay them last XXXX XXXX {$100.00} but they said it was return to my bank. And this month i didnt pay because i am asking them to explain why on my statements there a lot of interest and even i have late payments, my balance should be less and it so frustrating to talk them because they dont give a pair option. Infact, in my experience talking to them is not helpful., in my computation, my debt is {$1300.00} but, they stick on thier explanation for the interest every month and others, that i cant understand and why it is too much. Im asking also for some consideration about my payments because i only have part time job right now, i only have 2 days of work a week, but they said they can not do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, I purchased XXXX vintage jewelry items from XXXX  XXXX  for {$620.00} using my Citibank credit card. XXXX necklace was represented verbally and in writing as platinum, including the product tag and handwritten invoice. After the purchase, I confirmed the item is only silver-tone, which constituted a material misrepresentation affecting my decision to buy. 

I attempted to return the items and obtain a refund. The merchant refused, stating a no-refund policy that was not visible or disclosed at the time of purchase. On XX/XX/XXXX, I contacted the merchant in writing to request a return and refund due to misrepresentation. On XX/XX/XXXX, I returned to the store in person with all XXXX unused items and again requested a refund, which was refused. The merchant offered only store credit, which I declined. 

I filed a dispute with Citibank based on misrepresentation of merchandise and provided supporting documentation multiple times. Citibank initially denied the dispute, citing insufficient documentation. After I submitted a CFPB complaint, Citibank issued a conditional credit and stated it would review the dispute. 

On XX/XX/XXXX, Citibank reversed the conditional credit and denied the dispute, stating that the merchants return policy was not followed. This response mischaracterizes the dispute and does not address the misrepresentation or explain how Citibank investigated the substance of the billing error. 

I am filing this complaint because Citibank failed to properly investigate the dispute and relied solely on the merchants stated return policy, despite evidence of misrepresentation and my good-faith attempts to resolve the matter directly with the merchant.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am submitting this complaint regarding duplicate reporting of the same debt by Midland Credit Management and XXXX XXXX XXXX  ( XXXX ) on my credit report. Both accounts report the same underlying debt, which is causing inaccurate and misleading reporting and negatively affecting my credit. 

Details of the accounts : Original Creditor listed by XXXX : XXXX XXXX Bank XXXX XXXX tradeline : XXXX / XXXX ( XXXX XXXX XXXX  ) Account XXXX XXXX XXXX XXXX XXXX XXXX Reported balance : {$1400.00} Same account history and charge-off timeline Despite prior disputes, both tradelines continue to appear, and the XXXX account has at times been marked as Account not disputed or dispute resolved without correcting the inaccuracies. This suggests that a reasonable investigation has not been conducted. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to investigate disputes, correct or remove inaccurate information, and avoid reporting in a way that is duplicate or misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
I submitted a buyback application for the months forced into save forbearance on XX/XX/year>, and it has still not been processed. I have made numerous XXXX  complaints, numerous complaints through here, and multiple attempts to through XXXX XXXX in getting this resolved. I only need to buy back 6 months and it has been over a calendar year since it was submitted and 8 months since any activity has been done on the case.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
I opened a pre-paid card with Discover for {$500.00}. Due to me being XXXX  for XXXX  and XXXX XXXX  complications I was not able to activate the card. I recovered and was able to activate the card, however, when I attempted to use it for a small transaction it was declined. 

I called Discover who informed me they closed the account two weeks prior and I will be getting my money via paper check at the end of XXXX. They cite their user agreement as the reason they are able to do it that way. 

However, the account was never opened, and it was shut down by Discover prematurely. I do not believe the agreement applies to accounts that were never used. They are holding onto a deposit for an account that doesn't exist. 

I believe they need to return * my * money because the account agreement can not possibly apply to account that doesn't exist and was never opened. 

I live below the poverty line and they are making interest on my money while I suffer. This is absolutely predatory and designed to deprive people of money they need to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
In XX/XX/year>, I applied to open a deposit account with M & T Bank after receiving a mailed promotional offer inviting me to apply. After submitting my application, I received a written notice stating that my request was declined due to previous account history with M & T Bank. 

The notice did not identify the specific account, date, or issue being referenced, and I am not aware of any unresolved or negative account history with M & T Bank that would justify this decision. The letter indicated that the bank would review additional identification and proof of residency if their records were incorrect, but no clear process or explanation was provided regarding what information was being relied upon. 

I am concerned that this decision may be based on inaccurate, outdated, or misattributed account information, or a potential identity mix-up. I am requesting clarification and verification of the records used to deny my application.

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 2026-01-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: HI

Complaint narrative:
I decided to make a payment early to my mortgage company. 
I made the payment a week before it was due, and the funds had cleared. I was under the assumption that the auto pay would not go through because the payment was already processed. 
The auto pay tried to take a draft of my payment, causing me to be overdrawn on my bank account. That meant I couldn't pay my other bills until the money was returned, which took 2 days. I was also charged a {$30.00} fee from my bank for being overdrawn. 
I was upset, and reached out to the chat line of the company. They seemed unsympathic to my issue. They said there was no way to reverse the payment as it had already been scheduled. 
I thought it was all resolved, until a week later, when the auto pay tried to take my payment AGAIN. 
I have turned off auto pay for the future as I do not trust their system. 
I reached out to the company to complain, which they gave me an email to send my information to, and hopefully they will reimburse my bank fees. This has caused a lot of stress, and taken a lot of my personal time to resolve. I also don't know how long it will take to get my own money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am a XXXX XXXX  that was furloughed. Bank of America granted 3 month deferment for XXXX, XXXX and XX/XX/2025. Payment was to be made on XX/XX/2025. On XX/XX/2025 I went into the app and it listed my regular payment as {$1800.00} so I rounded up and paid 3 months of {$1800.00} = {$5400.00}. However this amount did not include the option product ( XXXX membership of $ XXXX  monthly ). Amounts should have been applied to XXXX, XXXX and XXXX principal, interest and escrow account. Because they applied {$100.00} to option product cause a shortage in the XXXX payment of the {$100.00}. Per the statement from Bank of America XXXX XXXX, if the option product is not paid it will not cause a default on the loan. However after several request to reapply the payment Bank America refused saying I am legally required to pay the option product which is causing default in the loan. They still have {$1700.00} seat out there because now it is not full payment. Sadly, if I just pay the {$100.00} then they will report to Credit Agency as late and will be on my record for 7 years.

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 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for attempting to collect and report multiple debts that are not mine and are the direct result of identity theft. 
I am a verified victim of fraud and have filed an FTC Identity Theft Report ( FTC Report # XXXX ), signed under penalty of perjury. This report identifies four separate fraudulent LVNV Funding accounts that I did not open, authorize, apply for, or benefit from in any way. 
The fraudulent LVNV Funding accounts include balances of approximately {$460.00}, {$660.00}, {$430.00}, and {$360.00}, all of which were opened and reported without my knowledge or consent. Any alleged obligation associated with these accounts is invalid and unenforceable. 
Despite having no contractual relationship with me and no lawful authority to collect, LVNV Funding continues to report and attempt collection, causing ongoing financial harm. 
This conduct violates the FDCPA ( 15 U.S.C. 1692e, 1692f ) and the FCRA, as LVNV Funding is furnishing information it knows or should know is inaccurate after receipt of an identity theft report. 
I do not acknowledge, owe, or consent to any obligation with LVNV Funding.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
We canceled XXXX due to the poor service they provided. It was so bad after many times of attempting to cancel they still continued to take payments even when we didnt have the service anymore. We went to the company and they owed us {$80.00}, and they stated they would send a check. Noted we had already returned all the equipment too.We never received anything but a debt collection. They kept calling and calling saying to talk to the company and XXXX  said they it wasnt theirs problem anymore. The XXXX card company kept harassing my family and I. Eventually I was fed up and willing to pay, they said it had been dealt with. I even got a letter after saying that it was done and all good. Then time later we kept getting phone calls again and text again everyday. It was regarding the same debt that they said it done felt with already they why I even got the letter in the mail saying it was a closed case. Now my credit went down a lot due to this negative mark. Which to begin with was never my fault and to this day XXXX  never sent me my check they owed me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I entered into a rentalpurchase agreement with American First Finance. The agreement was signed on XX/XX/XXXX, and I was supposed to receive my merchandise on the same day, but the company never provided any information or notice that delivery was expected on that date. Instead, the merchandise was delivered on XX/XX/XXXX. The agreement was supposed to be set up as biweekly payments without XXXX, but the contract does not clearly reflect the actual delivery date or the correct payment start date. 

The first scheduled payment was set for XX/XX/XXXX, which created a gap between delivery and the start of payments that was not explained. I contacted the company to request clarification about the correct payment start date, confirmation that no late fees would apply for the gap, and to ask whether the contract could be corrected or rewritten to reflect the actual dates and the biweekly/noLDW setup. The company refused to make any corrections or provide written clarification. 

Because the order information was incorrect, I had to go back to the store where I purchased the merchandise and ask them to update the order themselves. This added extra inconvenience and showed that the company did not properly handle or communicate the order details. 

During my attempts to resolve this, the representatives I spoke with were rude and unprofessional. The background noise during calls was consistently loud and distracting, making it difficult to understand what the representatives were saying. This made communication even harder and prevented me from getting clear answers. 

Because the dates and terms in the contract do not match what was agreed to or what actually occurred, I am concerned the company may attempt to collect incorrect amounts or apply fees based on inaccurate information. I attempted to resolve this directly with the company, but they declined to assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
In XX/XX/2024 Ihired an attorney who then dropped me as a client after I paid him XXXX XXXX dollars XXXX XXXX on a NFCU credit card. I then disputed the charge and submitted my evidence. They apparently dismissed my evidence and sent me an email telling me that but I was out of the country traveling and didnt find out until XXXX. I then called and spoke to a supervisor in disputes and was told it was to late. Nothing could be done. This is totally wrong for them to just side with a crooked merchant who stole the money and did nothing to make it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
After my complaint was sent to PayPal, I contacted PayPal XXXX customer support again seeking clarification on buyer protection coverage. The representative refused to clearly explain what buyer protection covers, dismissed my explanation regarding non-delivery of bundled services and merchandise, and resisted escalation to management despite my request. 

PayPal continues to incorrectly characterize this transaction as item received based solely on the existence of a digital ticket, while ignoring that the purchased XXXX & XXXX package included services and physical goods that were never delivered. I am requesting that this information be added to the complaint record and considered as part of XXXX response. 

This submission is a supplemental update to an existing CFPB complaint regarding PayPal buyer protection handling.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: IA

Complaint narrative:
I keep getting contacted about a debt fir my business that hasn't been running for a long time im gettinh harassed about a bill i dont owe by Caine & Weiner

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate information being reported to XXXX  by Bank of America. My XXXX  XXXX report contains XXXX entries from Bank of America listed as Suspected Fraud Activity and Account Abuse. 

I do not recognize or recall opening or authorizing these accounts. I have disputed the information directly with XXXX  and requested verification, including documentation bearing my signature. To date, these entries remain on my consumer report and are negatively impacting my ability to open bank accounts. 

I believe Bank of America has reported inaccurate or unverified information in violation of the Fair Credit Reporting Act ( FCRA ). If Bank of America can not provide proper verification proving I authorized these accounts, the information should not be reported.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I paid {$2500.00} via ACH to a tax planning company based on written claims that my plan would be prepared by a XXXX  and an XXXX XXXX. After payment, I discovered that the credentials they claimed could not be verified. They refused to provide a XXXX  license number or XXXX  enrollment number. 
The services I paid for were not delivered. Instead of the full written tax plan, calculations, entity optimization, XXXX election filing, retirement modeling, and accountable plan policy they promised, I received only a generic spreadsheet template. None of the contracted services were performed. 
I requested a refund, but the company refused and made statements that contradict the written proposal and emails. 
I filed a dispute with my bank, but the bank denied it, stating that ACH disputes must be filed within 2 days. This is incorrect. XXXX rules allow disputes for misrepresentation, nondelivery of services, and unauthorized or deceptive business practices. 
I have now filed an IRS Return Preparer Complaint ( Form XXXX ) for misrepresentation of XXXX XXXX, XXXX  issues, and nondelivery of services. 
I am requesting that the bank reopen the dispute and reverse the ACH payment due to misrepresentation and nondelivery.

Company response to consumer: Closed with explanation