vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: FL

Complaint narrative:
Selene XXXX XXXX  has repeatedly demonstrated obstructive and concerning servicing practices on a commercial mortgage for XXXX XXXX XXXX XXXX, XXXX, XXXX. 

After months of disputed fee calculations, I attempted today ( XX/XX/year> ) to log into their portal to make a payment. The system explicitly prevented online payment and instructed me to call instead. 

When I called, no agents were available and I was unable to make payment by phone either. This effectively blocks payment while fees and interest continue to accrue. 

In addition, this account has experienced : XXXX  fee accounting Funds held in suspense instead of timely application Shifting explanations across CFPB, XXXX, and direct correspondence Conflicting information between representatives I have documented these issues with screenshots, timestamps, and written correspondence and am escalating this to regulatory authorities. 

Borrowers should exercise extreme caution and independently verify every charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
My XXXX required me to use a bank teller for a cash deposit of {$1200.00}. That transaction was seemingly acceptable at first, but subsequently denied because I presented identification issued by XXXX XXXX. In both instances, the teller 's approach changed, and they indicated that they were acting according to the " system 's '' instructions. I am a United States citizen. I had not renewed my US Passport, but US Bank opened the account fully aware of my dual citizenship. I also do not carry US ID when traveling across the border for well documented safety reasons. The two US Bank branches in question are near the XXXX border. After seeking help from US Banks headquarters, the banks General Counsel confirmed in writing that the bank accepts XXXX identification but rejects XXXX  identification for the same transaction ; effectively that it treats customers differently on the basis of national origins. 
The " national origins '' issue did not occur in a vacuum or was an isolated incident. One of the main reasons to reach US Bank was to explain my XXXX needs and a request for minimal and reasonable accommodation, citing the ADA. The bank 's response letter denied and/or ignored the request. I am otherwise happy with US Bank, but the two problems are tied together and compound in a troubling manner.

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year> I paid {$3900.00} via PayPal goods and services invoice for XXXX designer hoodies to be delivered to home address in XXXX, XXXX. 
After not receiving tracking or update from seller, reported fraud on XX/XX/XXXX to PayPal. 
After report of fraud, seller added a ( unrelated ) tracking number, which showed package was delivered to XXXX XXXX, CA, not my home. 
PayPal continued to side with seller, denying my claim and appeal. 
PayPal 's reason for this was transaction " was ineligible for PayPal purchase protection. '' This is clearly improper denial of Buyer Protection and failure to cite contractual exclusions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/year> scammers initiated an unauthorized wire transfer from my XXXX  XXXX XXXX XXXX account, XXXX, in the amount of {$8200.00} plus {$30.00} transfer fee to XXXX XXXX, Wells Fargo wire out date : XXXX Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : WELLS FARGO O BANK XXXX XXXX XXXX XXXX : XXXX Already filed complaint against XXXX XXXX XXXXXXXX under complaint XXXX XXXX with you on XX/XX/year>. 

Contacted Wells Fargo for assistance three times ; XX/XX/year> XXXX XXXX XXXX, TX ; XX/XX/year> Escalation Department ( XXXX ) XXXX XX/XX/year> letter they assigning CASE # XXXX ; XX/XX/year> letter from XXXX XXXX Escalations Representative, closing case ; spoke with XXXX, Executive Office, not their client can not provide information to help with this matter therefore case closed. referred back to XXXX  XXXX XXXX. They are waiting for contact from XXXX  XXXX XXXX to begin their investigation.

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 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
There is an amount of {$490.00} for the company : CREDIT SYSTEMS INTL IN  showing on my credit report. I have no knowledge of this account. I have not signed, or provided my social security number for authorization of this to be on my credit report. I need this to be removed immediately. Please cease and desist all calls and contact with me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
EASTERNACCOS is falsely reporting on my credit. I have never had any accounts with them. Per my research EASTERNACCOS 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 disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
Collection agency : Ability Recovery Services XXXX XXXX XXXX, Wyoming, PA XXXX on behalf of XXXX XXXX XXXX ( ambulance service ) XXXX : {$2200.00} Date of Service : XX/XX/XXXX. 
I was advised via email by my bank about this issue on XX/XX/XXXX. On XX/XX/XXXX I called the collections agency, they gave me the above information, I advised I was homeless and do not recall an ambulance service in XXXX, FL which there is no XXXX, FL. 
On XX/XX/XXXX I have called all XXXX credit agencies and submitted a dispute.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I received an email from my XXXX, my credit card company this morning notifying me of a past due balance. When following the link I learned there was a past due balance from a lender I was not familiar with. It is from SYNCB/PPC, I had to XXXX  this lender, which is Synchrony Bank/PayPal Credit . I never opened anything with this bank, I have a PayPal account, which I never use but never anything more. Also shows it was opened and then a charge of the full amount of {$2300.00} which is i think even over the limit. You would think this bank should contact me for going over the limit or even opening an account but I never received any communication from the Bank at all. This was opened in XX/XX/2025. I am only now hearing of this thanks to XXXX Credit Card. I called Synchrony this morning and reported the fraud. They said they closed account and started investigation. I then called XXXX, XXXX  and XXXX  to report it and put a freeze on them all and a fraud alert. A representative at XXXX  suggest I file a report with you all as well as I am trying to take all the steps to protect myself. I also called Paypal and closed my account because I worry about their security if this happened so easily.

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 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: GA

Complaint narrative:
A collector called CBE Group out of XXXX XXXX  has now called and written, ironically the call came on the same day that the letter was received, trying to collect a debt owed to Charter Communications in the amount of ~ {$110.00} dating back, supposedly, to XX/XX/year> ( XXXX XXXX XXXX ). I do not owe anything to Charter Communications ( Operating now as XXXX ) and have never not paid them whatever would have been owed in the past. 

This is a SCAM. Assuming that this somewhat insignificant amount would be overlooked by senior citizens, companies like CBE Group, victimize consumers by working surreptitiously with company insiders who provide them with names, addresses and phone numbers of past customers undoubtedly for a fee. 

CBE Group if that even is a real name should never contact me again in any way. If a court has issued a subpoena in an attempt to bring this matter before a court here in the state of XXXX, my attorney and myself will respond appropriately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the alleged debt that your agency claims I owe, as reported on my credit report. I have never been notified of this debt or any collection action prior to discovering it on my credit report. 
After conducting research, I have learned that CENTRAL PORTFOLIO cont is not licensed to operate as a debt collector in the state of XXXX. Therefore, I believe this alleged debt does not belong to me, and any attempt to collect on it is both unauthorized and unlawful. 
Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide, at a minimum, the following documentation to verify the validity of this alleged debt : An agreement showing that you have legal authority to collect on this alleged debt. 
An agreement signed by the alleged debtor, containing promises to pay the original creditor. 
A complete payment history on this account, proving that the amount you claim is accurate. 
Until you provide proper verification of this alleged debt, you are required to cease all collection activities, including reporting this debt to any credit reporting agencies. Failure to comply may result in filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all legal remedies available to me. 
Please consider this a cease and desist request under the FDCPA. I request that all future communication regarding this alleged debt be conducted in writing only. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Account Name : FNB OMAHA, Account Type : Credit card Date Opened : XX/XX/XXXX, Status : Closed. Delinquent as of XX/XX/XXXX This account was fraudulently opened with my information in XX/XX/XXXX. In XXXX I noticed this account on my credit report, and I contacted the company to report it and request that the account be removed. I disputed the account on Experian but the results came back that the company reported the information was accurate. I contacted the company again on XX/XX/XXXX and they said the account was still under investigation and could take a long time. I asked how long are they estimating and I requested to speak with another representative that is higher up the chain of command, but credit services refused to take my call. I explained to them that this is an unreasonable amount of time and they are affecting my livelihood. It has been half a year and they still have not removed the account nor reported to the credit bureau that the account is fraudulent. They are still reporting that I have a delinquent account. Due to the company 's actions and lack thereof, my XXXX XXXX has dropped from a XXXX to a XXXX and I am no longer eligible for lower payments and interest rates. This is a dramatic difference and is truly affecting mine and my family 's life. I can't finance a vehicle, a home, etc. all due to XXXX fraudulent account on my credit report because the company refuses to take action and remove the account. It has been XXXX months yet they have not provided a solution and they expect me to wait longer for them to complete their investigation. Their customer service is terrible, they do not provide clear answers, documentation to back their claims, and upper management does not even care enough about their clientele nor their employees to step in and take a phone call and provide a resolution. They would not even take my phone call. They are disgraceful and I discourage anyone from ever applying for credit with them. I already have a credit card with XXXX and XXXX XXXX XXXX XXXX and I am a veteran with dependents who are also affected by this. I never applied for a credit card with this company and I don't need to. The solution is very simple, mark the account as fraudulent and inform the XXXX credit bureaus immediately so the account can be removed from my credit report, yet their response is that they need more time and they can not provide me with any answers nor resolutions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Portfolio Services, Inc.
State: WI

Complaint narrative:
Cps Consumer Portfolio Services Inc. 
Dates XX/XX/XXXXXXXX  up until now XX/XX/XXXX the owed amount XXXX. I returned the vehicle back I couldnt afford it anymore. They keep calling and sending me letters threatening to file legal action against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OK

Complaint narrative:
Company : TSYS / Global Payments Summary of Issue : TSYS charged me PCI non-validation and non-compliance penalty fees that were not required for my type of merchant setup, and these fees were charged without notice - they did not call, fax, write, or email, or attempt to notify me in any way. In fact, I never receive any kind of pro-active communication from them. Once I discovered these charges, I also discovered that they started charging a paper statement fee even though I do not receive any paper statements. 
Details : I have been a TSYS customer since XXXX. I am a very low-volume credit card merchant, averaging under {$2000.00} per year in processing. I use a standalone XXXX terminal ( that was purchased from TSYS ) that encrypts card data and does not connect to or pass card data through any computer system. It is my understanding that under PCI standards, this setup does not require quarterly scans or quarterly validation. Because there is such a low volume of use, and they do not send statements of any kind, we dont monitor the activity on a regular basis. Consequently, these fees were not discovered until they had already been occurring for 5 months. 
Without notice, TSYS began charging me monthly PCI non-validation penalties of {$120.00}. Once we discovered these fees, we investigated and discovered that they were charging us a penalty for missing a PCI validation ( which we subsequently completed the validation ). TSYS stopped charging the penalties after I complained but refused to issue refunds. ( They did offer to pay a partial refund, but I believe the facts of this situation demand a full refund ). 
Additionally, TSYS charged me a paper statement fee even though no statements were ever mailed ( or even emailed electronically ). TSYS quit mailing me paper statements in XXXX, and out of no where they start charging me a paper statement fee, for which they also refused to refund. 
I have asked TSYS for a refund of the improper PCI penalties and paper statement fees, but they have refused. These fees are not required by PCI standards, were never disclosed, and were charged without any notice. They appear to serve only as additional processor-created revenue stream for TSYS.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
Company : Fair Collections & Outsourcing , Inc. ( FCO ) Issue type : Debt collection / Credit reporting Amount : Approximately {$270.00} I am submitting this complaint regarding Fair Collections & Outsourcing , Inc. ( FCO ) and its continued handling and reporting of a disputed debt. 
The alleged debt relates to approximately {$270.00} in utilities from a former apartment tenancy at XXXX XXXX XXXX XXXX, XXXX XXXX. I do not owe this debt. 
I vacated the apartment on XX/XX/year>. On XX/XX/year>, I paid my final months rent and all associated charges in full. The resident ledger reflects a {$0.00} balance as of XX/XX/year>. I completed a move-out walk-through and was cleared to vacate with no balance due. 
Utilities were billed monthly throughout my tenancy, initially as a bundled service and later under a XXXX  system. The ledger shows utilities charged and paid every month with no carryover balances. There is no contemporaneous documentation showing unpaid utilities at the time of move-out. 
Months after I moved out, and after a change in property management, charges were added to the ledger despite my lack of access to the unit or account. These charges were repeatedly reversed, written off, re-posted, and reversed again. The remaining balance appears to be the result of post-move-out accounting adjustments rather than unpaid charges. 
I formally disputed this debt in writing and requested validation pursuant to the Fair Debt Collection Practices Act. In response, FCO stated that it investigated the dispute by confirming the balance with the property manager. FCO did not provide contemporaneous billing statements, original utility invoices, or documentation showing a balance due at move-out. Reliance on a creditors assertion alone does not constitute debt validation. Moreover, the ledger was finally acquired by my apartment complex, not FCO.

Despite the dispute, FCO offered a settlement amount and stated that it would continue to report the account as accurate. FCO has not addressed the internal inconsistencies in the ledger or the documented {$0.00} balance at move-out.

FCOs response likewise appears to conflate credit reporting accuracy obligations under the Fair Credit Reporting Act with debt validation requirements under the Fair Debt Collection Practices Act. 
I am requesting that the CFPB review FCOs conduct, including continued reporting and collection posture on a debt that has been formally disputed without competent validation. I am seeking removal of any credit reporting related to this account and cessation of collection activity absent proper validation. 
Attachments include the resident ledger, my written dispute letter, and FCOs email responses ( 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 2026-01-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ACIMA CREDIT, LLC
State: OH

Complaint narrative:
I purchased a mattress at XXXX  XXXX XXXX  in XXXX XXXX. It was financed through Acima Credit. I have made several purchases through this company with zero.issues until now. The have a web portal that clearly states the payoff date and amount of payoff for the same as cash price. I have done this many times in the past. XXXX XXXX i.made the final payment showing XXXX balance. Then last week i.noticed payments coming out of.my account again. XXXX  months later. I called and spoke to a parrot repeating the same thing over and over again. There is only 1.explaination. they hid fees to purposely go over the 90 day period to.double their profits.

Company response to consumer: Closed with explanation