vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
To Whom It May Concern, I am submitting a formal complaint regarding PayPals permanent limitation of my account and the withholding of my funds. My PayPal account was suddenly and permanently closed without prior warning, request for clarification, or opportunity to provide documentation. I was informed that I had violated PayPals policies, but no specific policy clause or evidence has been provided despite my requests. The transaction that appears to have triggered this action was a legitimate payment sent to me by a personal friend from his business account. The purpose was to compensate me for decoration materials. I offered to provide full documentation, including communication with the sender, and identity verification. PayPal has not engaged in any meaningful review process and instead imposed an immediate permanent limitation. Additionally, PayPal has stated that my funds will be held until XX/XX/year>. This extended hold has created significant financial hardship. I have not been given a clear legal justification for withholding my money for this duration, nor any explanation of how the amount held relates to risk or damages. My concerns are : Lack of due process or opportunity to respond before account closure Failure to specify the alleged policy violation Withholding of funds without clear legal or contractual basis Financial harm caused by prolonged restriction of access to my own money I respectfully request that PayPal be required to : 1. Provide a written explanation of the exact policy violation and evidence used 2. Conduct a manual review of my account 3. Release my funds I have acted in good faith and have not engaged in prohibited activity. I am seeking a fair and transparent resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TN

Complaint narrative:
The debt collectors are duplicating my debt on my credit report to double my debt and harm my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
Ashro account is not mine included in bankruptcy. But still reporting negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC
State: SC

Complaint narrative:
RECMGMT SRVC is falsely reporting on my credit. I have never had any accounts with them. Per my research RECMGMT SRVC 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 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 2026-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
I noticed before I reported this a fraud but then it was sold to this third party who is trying to collect money on account that was used in a fraudulent transaction I want it removed from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> while visiting a bar in XXXX my account was overcharged. This is a merchant billing error. The agreed upon price was significantly lower. i ordered a couple of drinks and expected the bill to be around $ XXXX dollars. I have contacted the merchant to correct the total and i have contacted Chime bank to dispute the overcharge. Chime has failed to correct the error or provide a credit for the disputed amount. I am requesting a full refund of the {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Stayed at a hotel XXXX XXXX in XXXX ny. We called ahead to verify service dogs welcome. They stated no problem. We used XXXX for booking. No box on website to check service dog. This hotel charged us a dog fee of XXXX. Bank of America isn't even trying to fight for me. They took off charge and put back on. Never contacted me to ask for info. We stay at hundreds of XXXX properties and never had this problem

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 2026-02-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: OH

Complaint narrative:
I enrolled in XXXX XXXX XXXX XXXX in 2008 under the impression that I was using the XXXX XXXXXXXX to take classes and receive an XXXX XXXX XXXX XXXX in XXXX XXXX. They said I qualified for the XXXX XXXX  and wouldnt have to pay anything and I never did pay anything for books or classes. 

Once I realized the school was joke and couldnt teach me to be a couch potato nor less an IT technician I quit going after XXXX  months. 

I never graduated and went to their school for XXXX months and they charged me thousands of dollars now the federal government is threatening me to pay. 

Im going to sue for damages done to my credit and years of harassment from the federal government who is trying to collect money for a service I did not receive.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SIMMONS FIRST NATIONAL CORPORATION
State: MO

Complaint narrative:
I am submitting this complaint regarding the handling of our bank account closure by Simmons Bank. 

Our account was closed shortly after a formal complaint was made regarding the conduct of a branch employee. Following receipt of the closure letter, my husband contacted the bank XXXX listed on the correspondence ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) and was met with a refusal to provide any information, along with a dismissive and unprofessional tone. 

We understand that banks may close accounts at their discretion. However, we are concerned about the timing, lack of transparency, and refusal to confirm whether any negative consumer reporting has occurred. The closure has caused financial disruption and uncertainty for our household and business. 

We are requesting that the regulator review whether proper procedures were followed and whether the bank complied with its obligations regarding communication, fund access, and consumer reporting disclosures. 

We are seeking clarification and oversight, not retaliation or punitive action. 

Thank you for your attention to this matter.

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 2026-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: ALLIANT CREDIT UNION
State: WA

Complaint narrative:
Advertised rate quotes without XXXX. 

Activity engagement with clients over and over again without XXXX You can follow the username tied to the nmls # XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: FL

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 2026-02-02 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: DE

Complaint narrative:
XXXXClaiming I owe XXXX  dollars on what I dont even know.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: OH

Complaint narrative:
I am disputing a rental debt being reported by a third-party collection agency ( Hunter Warfield ) that is inaccurate, legally improper, and unsupported. 

The alleged debt arises from a former landlord in Ohio ( XXXX XXXX XXXX ). I was evicted from the property on XX/XX/XXXX, after which the landlord issued an itemized move-out statement outside the statutory timeframe required under Ohio law XXXX The statement includes months of rent allegedly accruing after eviction, which is not legally recoverable, months of rent that were already paid, and alleged damages that constitute normal wear and tear. The total amount alleged due is {$9300.00}. 

The landlord has not sought legal recourse to recover the alleged debt, and no judgment exists establishing liability for the debt. 

Despite these defects, the landlord placed the account with a collection agency, which is now furnishing this inaccurate balance to consumer reporting agencies. I timely disputed the account and sent a formal debt validation demand pursuant to the Fair Debt Collection Practices Act on XX/XX/XXXX. To date, the collection agency has failed to provide competent evidence validating the debt, including proof that the charges are lawful, accurate, or enforceable. 

The collection agency is continuing to report the account despite : XXXX. Inclusion of post-eviction rent charges. 
XXXX. Late and improper accounting under XXXX Sec. XXXX. 
XXXX. Charges for normal wear and tear. 
XXXX. Charges for rent already paid. 
XXXX. Absence of any court judgment. 
XXXX. Failure to provide proper validation. 

Continued credit reporting of this account constitutes inaccurate and misleading reporting in violation of the Fair Credit Reporting Act and continued collection activity without validation in violation of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: MI

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint to request the immediate assistance of the Consumer Financial Protection Bureau regarding serious servicing misconduct by LoanCare Servicing, a subsidiary of XXXX XXXX, in connection with the above-referenced mortgage loan. 

Due to a documented and material change in household income, I timely contacted LoanCare Servicing to request a loan modification or forbearance agreement, as permitted under federal mortgage servicing regulations. Despite repeated requests, LoanCare Servicing refused to provide or accept the required loan modification documentation, including income verification materials necessary to evaluate my request. 

Instead of allowing me a fair opportunity to rectify the income change and pursue a loss-mitigation option, LoanCare Servicing has proceeded toward foreclosure, effectively denying my right to a complete and good-faith review. At no time was I provided with clear written notice, a complete application packet, or a meaningful opportunity to cure the default through available foreclosure-prevention alternatives. 

LoanCare Servicings actions appear to violate federal mortgage servicing requirements, including but not limited to : Failure to provide reasonable access to loss-mitigation applications Failure to properly evaluate a borrower for available foreclosure-prevention options Initiating or advancing foreclosure while a loss-mitigation request was pending or obstructed Failure to act in good faith and exercise reasonable diligence in servicing the loan As a borrower acting in good faith, I made repeated efforts to comply, communicate, and submit documentation, all of which were ignored or obstructed. The servicers conduct has caused significant financial and XXXX XXXX and has placed my home at immediate risk of wrongful foreclosure. 

Requested Resolution I respectfully request that the CFPB : Require LoanCare Servicing to immediately halt any foreclosure activity Compel LoanCare Servicing to provide full and complete loan modification and/or forbearance documentation Require a proper, documented loss-mitigation review based on my current financial circumstances Ensure all servicing actions comply with applicable federal consumer protection laws I am requesting CFPB oversight to ensure this matter is handled fairly, lawfully, and without further harm. 

Thank you for your time and attention to this serious matter. Please contact me if additional information or documentation is required. 

Respectfully, XXXX XXXX XXXX XXXX XXXX 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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MS

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: TN

Complaint narrative:
Ive dispute this account numbers of times and its still on my credit report as a debt that I didnt obtain myself this is a loan that I never took out nor have I received such loan so why is this debt on my credit reports I want it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, there were over XXXX fraudulent charges made on my debit card number in NY, NJ, and PA at several XXXX  store locations. I have filed fraud reports with USAA Bank and they refuse to refund the money to me stating that none of the charges are fraud. However, when I contacted a few of the store locations, they had no record of the transactions ever taking place at the date and time, nor under my card number. I have had to resubmit my fraud claim with USAA XXXX times now and they still refuse to help me. I submitted an identity theft case with the FTC and have provided the letter to USAA bank. The fraudulent charges total {$5100.00}.

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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
AMSHER COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research AMSHER COLL 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Complaint Bank of America denied my dispute for unauthorized XXXX charges without evidence of authorization. 

The charges are recurring {$50.00} transactions appearing at multiple XXXX locations. I do not have a XXXX account, did not authorize recurring charges, and do not recognize these transactions. 

Bank of America reversed a temporary credit and denied my claim solely because the charges were consistent with previous charges with this merchant. No signed receipt, contract, or merchant account in my name was provided. 

I contacted XXXX by chat and phone. XXXX stated they could not find any authorized recurring charges tied to me and would not investigate further because I do not have a XXXX account. 

A merchants refusal to investigate does not constitute authorization. Bank of America relied only on transaction pattern analysis, which is insufficient under Regulation Z for unauthorized use claims.

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 2026-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: SC

Complaint narrative:
IC SYSTEM INC is falsely reporting on my credit. I have never had any accounts with them. Per my research IC SYSTEM INC 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 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 2026-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I opened a " Regular '' XXXX IRA XXXX with Ally Bank with money from savings and that I already paid taxes on. However, I mistakenly opened it up for {$20000.00} not realizing I only had a {$8500.00} limit on it. they refunded the {$14000.00} shortly after opening it. They also had made a mistake and put it as a Rollover which they needed to correct it as a " Regular '' as it was not a Rollover and I informed them of this numerous times. 

They sent me a XXXX for the {$14000.00} as a IRA distrbution XXXX a refund for " over the limit contribution ''. Thus showing I owe taxes on this money already taxed on. They had it listed as a Rollover intially but again I had to tell them repeatedly it was a " Regular ''. 

Now Im trying to get them to fix the XXXX and correctly identify it as a excess IRA contribution payment on XXXX XXXX and put this as a P. They have it as a XXXX which is wrong They refuse to let me talk to anyone about this. I have beggged them repeatedly and they will not let me talk to anyone. They tell me there is no one to talk to leaving me now having a major tax problem on my hands

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