vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Meta Payments Inc.

Complaint narrative:
I am a digital creator. In XX/XX/XXXX, Meta applied a false Monetize authentic engagement violation under their Partner Monetization Policy to my account. No specific evidence, examples, or explanation was provided. Since that date now nine months all my creator monetization and payouts have been completely frozen. As of the latest view in my Payouts dashboard, {$8100.00} is shown as On the way ( estimated XX/XX/XXXX ) and {$8200.00} is shown as Not paid out yet ( as of XX/XX/XXXX ), for a visible total of {$16000.00} in earned funds that remain inaccessible. I have submitted multiple appeals and support tickets through official Meta channels since XX/XX/XXXX. All responses have been automated or generic. No human review has taken place and no timeline for resolution has been given. This appears to be an erroneous automated flag with no supporting evidence. The prolonged freeze ( 9 months ) has caused severe financial hardship. I request that Meta Payments Inc. immediately release all frozen funds, remove the false violation flag, and fully restore my monetization privileges. I have attached supporting screenshots showing the violation notice, my profile status, and the current frozen payout amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
Chime closed my credit builder account and kept my XXXX dollars from my retirement direct deposit and refuses to give me access

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I filed a XXXX complaint against the company to try to fix an issue they caused which they did not fix with the last XXXX weeks. Recently I got a call from JP Morgan Chase requesting information about a balance on my credit card that I have been paying. I told them that I had recently had some unforeseen events happen and that I was still making minimum payments until I could afford to pay more. A couple days later they changed my credit line which made it look like I havent paid any of my balance despite me paying more than the minimum up until about XXXX months ago. I have never missed a payment and havent charged anything on the card as of the last few months. By them doing this it increased my credit to debt ratio which lowered my credit score and caused my monthly payment to go up. When confronting them, the manager refused to help or give me any sufficient explanation for their actions. They refused to help after treating a valued customer like trash.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing a complaint against Resurgent Capital Services regarding an alleged collection account that I dispute. I requested validation of this debt, but the company failed to provide proper documentation to support their claim. Instead of providing a signed agreement, full account history, or proof of ownership ( chain of title ), they only supplied insufficient and incomplete information. The documents provided do not establish that I am legally obligated to pay this debt, nor do they demonstrate that Resurgent Capital Services has the legal right to collect it. Despite this, they continue to attempt to collect and/or may be reporting this account, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that Resurgent Capital Services either provide proper validation of this debt or immediately cease collection efforts and remove any reporting associated with this account. I also request that this matter be investigated and that appropriate action be taken to ensure compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Im officially submitting this complaint because my credit report shows late payments that are not accurate. These entries dont reflect my real payment history and are unfairly hurting my credit. I need these incorrect remarks investigated and removed right away.

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 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I am disputing the inaccurate and unverifiable reporting of a National Credit Systems ( NATLCRSYS ) account on my credit reports. This account is reported inconsistently across TransUnion, Experian, and Equifax, including conflicting account status ( open vs. closed ), inconsistent dates, and missing or incomplete data such as payment history and delinquency information. These discrepancies clearly violate the requirement under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to report with maximum possible accuracy. Under FCRA 1681i and 1681s-2, both the credit bureaus and the furnisher are required to conduct a reasonable investigation and ensure all information is accurate, complete, and verifiable. This account does not meet those standards. Additionally, under FTC enforcement guidelines, any information that can not be properly verified must be deleted. The inconsistent and incomplete reporting demonstrates that this account has not been properly verified. The continued reporting of this derogatory collection account is causing harm to my credit and constitutes noncompliance with federal law. If this account can not be fully verified with complete and accurate documentation, it must be deleted immediately. Failure to correct or remove this account will be considered willful noncompliance with the FCRA, and I am prepared to pursue all available legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/year> Re : Request for Debt Validation To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. I do not acknowledge this debt and request that you provide validation of it as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : 1. The name and address of the original creditor 2. The total amount of the alleged debt, including any fees, interest, or charges 3. Documentation showing I am legally obligated to pay this debt 4. Proof that your agency is authorized to collect on this debt 5. A copy of any agreement bearing my signature related to this debt Until you provide proper validation, I request that you cease all collection efforts and communication with me regarding this matter. Additionally, if this debt has been reported to any credit reporting agencies, I request that it be marked as disputed until validation is provided. Please note that I prefer all future communication to be in writing. Thank you for your cooperation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am writing to file a formal complaint against PayPal , Inc. regarding the permanent and unexplained deactivation of my account. ( Username : XXXX ). On XX/XX/year>, I received an email from PayPal stating that my account had been permanently deactivated due to unusual activity that they cant support. No further explanation was provided no specific transactions were identified, no policy was cited, and no evidence was shared with me. The email offered no meaningful appeal process. My specific concerns are as follows : 1. Vague and insufficient explanation : The only reason given was unusual activity a vague, undefined term that gives me no ability to understand or challenge the decision. PayPals own User Agreement requires that account closures be communicated with reasonable notice and explanation. 2. No appeal process : I was given no opportunity to respond to, contest, or appeal the findings before my account was permanently deactivated. 3. Funds withheld for 120 days : PayPals email stated that any remaining funds would be held for up to 120 days to cover unspecified financial liabilities. This is now well past that 120-day window ( the email was received XX/XX/year> ), and I have received no follow-up communication regarding my funds. 4. Ongoing loss of service : I have been denied access to a payment platform I relied upon for over three months, with no path to resolution. Thank you for your time and attention. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MO

Complaint narrative:
This is a follow-up for complaint XXXX to so the complaint is sent to the second loan servicer, Aidvantage. The rest of this complaint is identical to the first. -- - I am being billed by two different student loan servicers for the same underlying federal student loans after a Direct Consolidation. Those servicers are XXXX XXXX XXXX ( XXXX ) and Aidvantage. On XX/XX/year>, I submitted a Direct Consolidation application. At that time, the loans were still being handled by XXXX after my XXXX XXXX bankruptcy discharge. On XX/XX/year>, XXXX began treating the prior XXXX Consolidation loans as In Repayment and demanding payment. The balances on those XXXX FFEL Consolidation XXXX were approximately {$81000.00} and {$110000.00}. My Direct Consolidation was later completed, and XXXX XXXX XXXX servicer of the new Direct Consolidation loans. The new Direct Consolidation balances are approximately {$81000.00} and {$110000.00}. These are the same underlying loans as the prior XXXX Consolidation loans, with the small difference apparently due to payoff interest or capitalization. The problem is that XXXX continues to demand payment on the prior FFEL Consolidation loans even though those loans were consolidated into the new Direct Consolidation serviced by Aidvantage. As of XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX shows both the old FFEL Consolidation balances and the new Direct Consolidation balances as outstanding, causing the same debt to appear twice. I contacted Aidvantage and requested the Loan Verification Certificate or other payoff documentation needed to resolve the issue with AES. Aidvantage said this had already been completed and refused to send another XXXX, instead offering a generic consolidation summary letter. I also contacted the Department of Education XXXX XXXX, which gave a general response saying duplication can happen temporarily during consolidation and identified DOE/Aidvantage as my current servicer. This has left me with two companies demanding payment for the same underlying loans : XXXX on the prior XXXX Consolidation loans and Aidvantage on the new Direct Consolidation loans. I need the companies to reconcile the consolidation payoff, stop duplicate billing, correct the loan status reporting, and confirm in writing that the prior XXXX Consolidation loans are paid in full through the Direct Consolidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2026 Re : Request for Debt Validation To Whom It May Concern : I am writing in response to your communication regarding the above-referenced account. I do not acknowledge this debt and request that you provide validation of it as required under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : XXXX. The name and address of the original creditor XXXX. The total amount of the alleged debt, including any fees, interest, or charges XXXX. Documentation showing I am legally obligated to pay this debt XXXX. Proof that your agency is authorized to collect on this debt XXXX. A copy of any agreement bearing my signature related to this debt Until you provide proper validation, I request that you cease all collection efforts and communication with me regarding this matter. Additionally, if this debt has been reported to any credit reporting agencies, I request that it be marked as disputed until validation is provided. Please note that I prefer all future communication to be in writing. Thank you for your cooperation. 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 2026-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I missed my XX/XX/year> payment but made consistent payments afterwards, including payments in XXXX, XXXX, and a larger payment in XXXX to bring my account current. However, these payments were applied to the principal balance rather than the past due balance due to unclear payment processing instructions. As a result, my account continued to be reported as increasingly delinquent despite ongoing payments. My account has since been updated to current status but it still reflects a XXXX delinquency for early XXXX, including during a period when I made a payment. I contacted the servicer and requested a review and reallocation of payments or a correction to the reporting, but I was informed that payments could not be reallocated. This reporting does not accurately reflect my payment behavior and is misleading. I am requesting a correction to the reported delinquency to reflect my consistent payment activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klima, Peters & Daly, P.A.
State: NJ

Complaint narrative:
I am filing this complaint regarding an attempt to collect an alleged debt by Klima , Peters & Daly , P.A . on behalf of XXXX XXXX XXXX, XXXX. I timely disputed this account and requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ). In response, the firm provided limited and insufficient documentation that does not meet the requirements of proper debt validation. Specifically, the documentation provided includes : A basic account summary A single statement A generic bill of sale that does not identify me or my specific account The firm failed to provide competent evidence of the alleged debt, including : A contract or agreement bearing my signature A complete chain of title specifically identifying my account Full account statements from origination through charge-off Documentation demonstrating that XXXX XXXX XXXXXXXX XXXX XXXX has legal ownership of my specific account A clear and itemized accounting of the amount claimed The bill of sale provided appears to be a bulk transfer document and does not establish that my individual account was included in the sale. Despite these deficiencies, the firm continues to attempt collection of this account. This constitutes a failure to properly validate the debt and constitutes a violation of the FDCPA, including 15 U.S.C. 1692g, as well as the prohibition against collecting amounts not properly substantiated. I am requesting that this account be considered unverified and that all collection activity cease. Additionally, any credit reporting associated with this account should be removed unless proper validation can be provided. Because the company has already failed to provide proper validation, I am requesting deletion of this account and cessation of all collection activity. I dispute this debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I, XXXX XXXX, declare under penalty of perjury that I am a victim of identity theft. I discovered that my personal information has been used without my knowledge or authorization to open and/or use fraudulent accounts. I did not open, authorize, or benefit from these accounts. The fraudulent accounts are as follows : XXXX XXXX {$550.00} XXXX XXXX {$670.00} XXXX XXXX XXXX {$520.00} XXXX XXXX XXXX {$14000.00} XXXX {$200.00} I have no knowledge of these accounts and did not give permission to any individual to use my identity to establish or access them. To the best of my knowledge : I did not apply for or open these accounts I did not sign any documents related to these accounts I did not receive any goods, services, or funds from these accounts I believe my personal information was obtained and used fraudulently without my consent. I am requesting that these accounts be investigated, removed from my credit file, and that appropriate steps be taken to prevent further misuse of my identity. I certify that the information provided is true and correct to the best of my knowledge.

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 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I opened a Citibank AA credit card on XX/XX/year> the offer was XXXX bonus miles upon spending {$5000.00}. I noticed that the points were not pending on my account and I reached out via chat to try to find out about the missing Rewards miles. The chat bot did not have any response other than to call the customer service number. I called the number spoke to XXXX representatives and a supervisor and because the text would not come through to my phone number they locked my account and told me I would have to wait XXXX to XXXX business days to receive a letter in order to unlock the account I inform them that I was traveling I asked them multiple times if there was any other way to verify my account and the only way was one cell phone number. I had previously closed my checking account with Citibank due to being unable to add a beneficiary to my account and experiencing significantly horrific customer service every time I reach out to them. The account is now locked and I am not able to see any previous purchases or access any information about it. I provided other verifying information such as my secret password and it is unacceptable that the card is not providing the promise reward and then locking me out of my account and refusing to even provide information about about the question asked in the beginning.

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 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
For months, Ive contacted Capital One multiple times to explain my financial hardship and request help with my account. My situation was not properly documented or addressed despite repeated calls. Because of this, my account was negatively impacted and my credit was damaged. I am requesting a review of my account and call history, along with a written explanation and corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Between XX/XX/year> and XX/XX/year>, I was the victim of an online scam involving the attempted purchase of a puppy advertised on XXXX. I was initially contacted by an individual claiming to be selling a puppy and was later directed to send additional payments to a supposed delivery service for transportation, insurance, and related fees. I was repeatedly told these payments were refundable upon delivery of the puppy. Based on these representations, I sent multiple payments through Cash App totaling approximately {$1200.00} over this period. The payments were made in connection with instructions provided by individuals using different names, phone numbers, and accounts as part of a coordinated scam. On XX/XX/year>, I was instructed to send an additional payment and block prior contacts, at which point I realized the situation was fraudulent due to escalating and inconsistent demands. Although I authorized the Cash App transfers, they were made as a result of deception and false representations. I have already reported this matter to Cash App, and the case has been escalated to their Fraud Investigations team for review of the transactions and recipient accounts involved.

Company response to consumer: Closed with explanation