vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 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: NC

Complaint narrative:
I am filing this complaint against PayPal for their failure to resolve an unauthorized transaction ( Case ID : XXXX XXXX for an order ( Invoice ID XXXX, Transaction ID : XXXX ) totaling {$110.00} at Instant-Gaming.com. My account was compromised following a documented hardware breach on XX/XX/year>, leading to this fraudulent purchase on XX/XX/year>. This was an unauthorized account takeover by a third party. The evidence of fraud is clear and was ignored by XXXX investigation. First, the unauthorized purchase was for a " XXXX / XXXX XXXX '' ( Gift card in XXXX ) and included " XXXX '' ( transaction costs ). I am a resident of the United States and have never authorized a transaction in a foreign language or currency. Second, I have never had an account with XXXX. Upon contacting the merchant, they provided written confirmation that they permanently deactivated the account used for this purchase for " security reasons '' and explicitly acknowledged the high likelihood of a hack. Despite the merchants own admission that the user account was illegitimate, XXXX investigation closed the case on XX/XX/XXXX, claiming the transaction was " authorized. '' This constitutes a failure to conduct a " good faith '' investigation as required by Regulation XXXX for unauthorized electronic transfers. Whether this case was reviewed by an automated system or a human agent, PayPal failed to identify obvious linguistic and geographic red flags and disregarded the merchant 's own security findings. I have already secured my accounts and filed a formal FTC Identity Theft Report regarding the broader compromise of my personal information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am disputing a transaction of {$460.00} XXXX Bank of America ( Claim # XXXX ) and the merchant " XXXX XXXX XXXX. '' The merchant submitted a falsified, composite document to the bank to justify the charge. They took a genuine invoice for a 50 % deposit ( which I signed ) and manually attached unrelated receipts and fabricated information to the top and bottom of that same page to mislead the bank. Services were never rendered. Bank of America has failed to address this forgery despite my direct dispute sent on XX/XX/year>. I request an investigation into this fraudulent documentation.

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 2026-03-30 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:
Validation of Debt Request - MIDLAND CREDIT MANAGEM - XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: AL

Complaint narrative:
IC SYSTEMS IS REPORTING AN ACCOUNT THAT I PREVIOUSLY FILED A COMPLAINT AGINST WITH EASTERNACCOS IN XXXX AND XXXX WITH YOUR OFFICE. EASTERNACCOS COULD NOT PROVIDE VALIDATION SO THE SOLD THE ACCOUNT TO IC SYSTEMS NOT EVEN XXXX DAYS LATER. EASTERNACCOS SOLD THE ACCOUNT EVEN THOUGH THEY KNOW THEY COULDN'T VALIDATE AND IC SYSTEMS KNOWS THEY XXXX ; T HAVE THE PROPER INFORMATION TO VALIDATE THE ACCOUNT BUT THEY PUT IT ON MY CREDIT ANYWAY. THE CFPB NEEDS TO FINE BOTH IC SYSTEMS AND EASTERNACCOS FOR VIOLATING MY CONSUMER DEBT RIGHTS. CFPB NEEDS TO REVIEW BOTH COMPANIES PROCEDURES AND GUIDELINES FOR DEBT BUYING, SELLING, AND REPORTING AS YOU CAN SEE THEY ARE DOING WHAT THEY WANT TO LIKE XXXX XXXX IN XXXX. THEY ARE DOING ALL THIS FOR {$290.00} FOR AN XXXX ACCOUNT I DON'T KNOW ANYTHING ABOUT. LEGAL ACTION WILL BE TAKEN NEXT. XXXX SHOULD ALSO BE INVESTIGATED SINCE EASTERNACCOS CLAIMED THEY GAVE IT BACK TO XXXX. XXXX IS NOT PROVIDING THEM WITH VALIDATION. THIS IS THE THIRD TIME I AM HAVING TO DISPUTE THIS XXXX ACCOUNT,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
In XX/XX/XXXX, I endured an unexpected {$1200.00} car repair. I called ALLY multiple times asking for help, explaining my situation and was denied multiple times. Was told to keep calling and ask for XXXX. This caused me to have to pay my car payment more than XXXX days late, which impacted my XXXX XXXX. Which turned into the same thing the following month and so on. However late XXXX i took a call from a collector at ALLY who assured me he could help me get a modification to my auto loan. He indicated verbatim via phone that I'd need to pay at least {$180.00} within XXXX days, I did this early XXXX. For some reason, they only help if you lose your job/loss off income evidently and do not help you if you experience unexpected car repairs. I was then told verbatim that, I would not have a payment due until XX/XX/XXXX as I was getting a XXXX extension. About XXXX days later after seeing another payment due in XXXX in the app. I called ALLY and spoke to a lady who advised me, yes i see the two-month extension that was approved and you made your payment. She indicated verbatim on the monitored recorded line, that they have high call volume as there's an issue with their computer program and cash dept, it is not working. I'm opening a case for our cash dept to correct and fix your profile, yes I see you're not supposed to pay until XXXX now. I'm so sorry, i'm opening the case and it will be updated online once completed. She said nothing about needing to pay another payment for the remainder of the month. ( On the monitored recorded line - having started my career at XXXX in a call center ; you know how things work ) Yet, I keep getting collection calls. Today 's call was extremely stressful at work none the less. The lady indicated no notes were captured in the last call and she has no way of looking up the customer service agent i spoke to the week of XX/XX/XXXX. Instead read me the modification document and said your plan has been terminated, you failed to make the next payment of {$280.00} something. This is a BAIT and Switch. Why was I lied to? Why did the guy who helped me not tell me I'd have to make more than XXXX payment for an extension? Why was i told Ally 's computer program isn't working and there's an issue with their cash dept and everyone is calling in today about it and I would not need to worry?! What is really the truth here? Why was I not given a chance for a modification back in XXXX when I truly needed the help? Why wait till I'm XXXX days late before help is given and OMIT the truth about the modification? My financial situation has not changed ; I'm robbing XXXX to pay XXXX and now Ally is telling me I need to pay them the difference again?! Please help me, this is by far the worst auto loan experience of my life.

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I recently acquired Barclays jetblue card and it was working for for couple of weeks. suddenly card stopped working and later barclays disabled app access as well leaving me no choice to access account information and unable make payments to the same card since statement is generated. barclays was reluctant to unblock my app access to enable making payment and they dont allow making payment through phone also and asking me to send check for payment without even sending statement to my email. they say they want to verify my details and my transaction confirmation. eventhough i have confirmed txns done on card and latest transaction attempted which got failed, they still want to validate my mobile which i told to call my number and they say they cant do it because mobile is not validated which is absurd since i am getting alerts from barclays for transactions till that date. I tried to resolved by sending all documents they asked me to send and still keep saying that issue this issue and not blocked my card even after XX/XX/XXXXays. its just simple things they keep asking my social dl and utility bills and despite providing them they say they are not cleared etc. mentally they are harassing as i spent considerable amount of time talking to them on phone and still cant get my card reactivated and also i cant make payment with app since access to app is also blocked which is wierd thing.

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 2026-03-30 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: P&B Capital Group, LLC
State: TX

Complaint narrative:
Contacted my mother, a family member, more than once. After the first time I asked them specifically to not call anyone about my account because she is not on my account. Mentioned my debt, what it was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XXXX of XXXX, I discovered an unauthorized withdrawal of {$12000.00} from my bank account that took place around XXXXXX/XX/XXXX of the same day. I did not authorize this transaction in any way. I immediately contacted my bank on the morning of XXXX of XXXX and reported it as fraudulent. The representative confirmed the transaction was posted. After couple hours around XXXX AM, I received an email from what appeared to be my bank stating that a scheduled transfer was on its way, which I did not authorize. When I contacted the bank they stated that although the withdrawal showed immediately on my account, it would takeXX/XX/XXXXdays to appear on the receiving account. I requested that they submit a transfer recall request to the receiving bank before final settlement. The bank has since opened a fraud investigation and stated it could take up to XXXX business days to resolve. I was not given a case reference number but was told everything is ongoing. The bank has also confirmed they are currently in communication with the receiving bank regarding the recall of the unauthorized transfer. I am requesting that the bank provide a provisional credit to my account during the investigation period and resolve this matter within the federally required timeframe under Regulation XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: WI

Complaint narrative:
I dispute this alleged debt in full. The underlying service company failed to complete the agreed gutter-cleaning and window-cleaning work. I documented the incomplete work with photographs and notified the company, but it did not return to complete the work. Instead of resolving the issue, the company repeatedly contacted me from numerous phone numbers over an extended period, and the owner refused to speak with me directly about the dispute. I later sent a written do-not-contact request, but the calls and emails continued. After the work remained incomplete, the company placed the account with collection agencies, XXXX XXXX XXXX XXXX and later IC System. The amount claimed also changed multiple times and increased even though the contracted work was not completed. I timely disputed the debt in writing within the 30-day dispute period and explained that the services were not completed, the amount claimed was inaccurate, and I had no signed written agreement showing that I agreed to the billed amount now being reported. Despite my written disputes, the account was still pursued and reported. I request immediate deletion or correction of any inaccurate credit reporting, including notation that the debt is disputed if it remains reported during investigation. I also request complete written verification of this debt, including any contract, invoice, itemized statement of services, photographs, service logs, call records, and a full explanation of how the balance was calculated. If the debt can not be fully verified, I demand that all collection activity cease and that the tradeline be removed from all credit reporting agencies.

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 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX for {$81.00} Identity theft. Has been reported to XXXX XXXX XXXX XXXX XXXX XXXX for {$460.00} Identity theft. Has been reported to bureau XXXX XXXX XXXX XXXX for XXXX Identity theft. Has been reported to bureau XXXX XXXX XXXX for XXXX Identity theft. Has been reported to bureau

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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had an extremely frustrating experience with Bank of America that raises serious concerns about both their systems and customer service. On XX/XX/year> at XXXX XX/XX/XXXX EST, I attempted to pay {$500.00} in cash through an ATM for my credit card paymentsomething Bank of America actively promotes. The ATM took my money, did not provide a receipt, and the payment was never reflected on my account. I then spent over XXXX hours on the phone with customer service. The XX/XX/XXXXt representative transferred me to the wrong department. After calling back and waiting another hour, I finally reached someone who was dismissive and unhelpful. When I asked to escalate the issue, I was told that escalation was not an option and that I could take it or leave it. This is not the first time this has happened to meit is the second occurrence of an ATM taking my cash without properly processing the transaction at the same location. That time was a higher amount- {$800.00}. Losing access to cash with no immediate resolution is unacceptable. Bank of America needs to seriously review both their ATM reliability and customer service training, especially around handling high-stress situations involving lost funds. Customers deserve accountability, transparency, and basic support when their money is at risk. These XXXX incidences happened at XXXX of the XXXX, FL branches. The ATM ID is XXXX. As of now, I have opened a case, and the case # XXXX and they told me that it may take up to XXXX billing cycles to get this resolved.

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 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc.
State: WI

Complaint narrative:
My student loan was put on hold for almost XXXX years. I checked my credit report and saw that there was aXX/XX/XXXXday late payment on that student loan. I did not know they restarted payments. They stated they sent the information for payment to restart to an old email that I use to have. They also stated they called me, but I answer all phone calls and never heard from them, or did they not leave a message. As soon as I saw this I paid in full what was late, and have been paying ever since. Besides this, I have never had a late payment on this debt or any other. This was about a year ago, and I just found out I could file this with your company. I filed a dispute with the credit agency. I also called the company and talked to them, but they were not helpful and stated there was nothing they could do. This was XX/XX/XXXX and XXXX of XXXX. The loan is split into XXXX different parts each listed as Dept of ED/AIDVANTAGE Please let me know if you need anymore information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Selip & Stylianou, LLP
State: NJ

Complaint narrative:
I am filing this complaint regarding an alleged debt being collected by Selip & Stylianou , LLP on behalf of XXXX Bank ( XXXX XXXX account ending in XXXX ), in the amount of {$3400.00}. I dispute this debt in its entirety. Under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, I am requesting full validation of this alleged debt. As of today, neither the debt collector nor the original creditor has provided sufficient evidence to substantiate that : XXXX. I am legally obligated for this debt XXXX. The amount claimed is accurate and properly calculated XXXX. The account was lawfully assigned or transferred XXXX. The debt is not the result of identity theft or fraud The collection letter dated XX/XX/year> contains only a summary of an alleged balance and fails to include any documentation such as : Original signed agreement or contract Full account statements and transaction history Proof of assignment or chain of custody Method of verification used to validate this debt This is a direct violation of my rights under federal law. Legal Violations : FDCPA XXXX ( b ) : Failure to provide proper validation of the debt upon dispute FCRA XXXX ( b ) : Failure to conduct a reasonable investigation if this account is being reported FCRA XXXX : If this account is related to identity theft, it must be blocked immediately upon submission of a valid identity theft report My Demands : XXXX. Provide full and complete validation of this alleged debt, including all documentation listed above XXXX. Cease all collection activity until proper validation is provided XXXX. If unable to validate, immediately delete and cease reporting this account from all credit reporting agencies XXXX. Provide written confirmation of the results of your investigation Additional Notice : If this matter is not resolved promptly, I am prepared to escalate this further, including : Filing complaints with the Federal Trade Commission ( FTC ) Filing a complaint with the New Jersey Attorney Generals Office Pursuing legal action for violations of the FDCPA and FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 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: CA

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 ) XXXX U.S.C. XXXX ( b ) and the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX. 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
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
Received a phone call stating I have a debt with XXXX XXXX XXXX XXXX. My children have never been to the hospital, and I have never been to XXXX XXXX XXXX XXXX. There is no way I have a debt with them. They continued to try to verify my name and got upset when I said I suspected fraud and would be reporting the number for safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I go by XXXX. I have contacted the early warning consumer team. Years ago, got my report back but the banks that I were interested into never reached back out to me about my next steps to take.

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