vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I paid XXXX {$100.00} XX/XX/XXXX a few days later I received an email from capital.one stating I had a duplicate charge and can manage/delete the charge from their app. I looked it up? And there AGAIN capital one has done it again for the 4th time.they turned my.payment into a reoccurring charge. As IF.I set up automatic payment and I DID NOT THIS is THE 4TH TIME their system has done this. I explained they have a glitch and I'm really tired of repeating myself and trying to remove these transactions from my account. They.said in their email I can stop/cancel such transactions but that was a lie. I explained that im sick of their system trying to force me into paying automatically. I never set up automatic payment, i can control when and how much I send to a company. All they need to do is have their system stop trying to control my money. It's extremely obvious it's coming from them they've done this four times and I'm tired of talking to brain dead people who refuse to understand that there's a problem within their system. I tried to get a Vice president or someone higher up. Their track record is ridiculous and unprofessional. I should not have to keep repeating that I don't need anyone setting up auto pay for me im perfectly capable of handling my own affairs. All they need to do is fix their system, stop lying to customers stop sending false information by email. The email states that i.can manage this by stopping or canceling. Its my right and my money. Furthermore they need to NOT turn payments into reoccurring charges for anyone. The first 2xs they sent payments to XXXX XXXX and XXXX XXXX and I never received my money back. Their system regurgitate those 2 charges which meant I paid twice for food I only got once. It was obvious because it was the same exact amount and I hadn't been to either since.than and wouldn't have bought the same meal. Now they trying to make me pay my bill 3weeks after I just paid and I did not set up auto pay. I tired of dealing with these fraudulent actions. This has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: NY

Complaint narrative:
I previously disputed this account, and it was removed from my credit report. It has now reappeared, and I am formally disputing it again. I do not recognize this account and have never conducted any business with this company. Additionally, I do not recognize the listed inquiries and did not authorize any individual or entity to access my credit report. This information is inaccurate and should be removed immediately.

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 2026-01-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
In XXXX of XXXX I received an invoice from XXXX XXXX of the XXXX. I reached out and paid this invoice which they reduced the cost of. I have a receipt for this amount being paid in full. In XXXX of XXXX I had bad debt claims regarding this amount put on my credit report. I reached out to XXXX who is in charge of billing and collections at XXXX XXXX ( XXXX or XXXX ). She looked into it, agreed the account was paid in full in XXXX of XXXX and this should never have been noted as a bad debt. She notified Credit Systems International notifying them this debt was paid in full back then and to be removed from my credit report completely. 

I waited 5 business days and reached out to Credit Systems International this morning ( XXXX ) and provided all this info and record number ( XXXX ). They said I would need to have XXXX XXXX dispute this, however I told them they have already provided all that info. In which Credit Systems international refused to provide any support or help here. They say the don't have it, XXXX XXXX says they sent it and both refuse to communicate with each other and just put it back on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MARINER FINANCE, LLC
State: NY

Complaint narrative:
I am disputing the accuracy of this account and requesting full debt validation. Mariner Finance is reporting this account on my consumer credit reports, but I have not been provided documentation proving that this debt is mine, that the amount reported is accurate, or that the account has been reported in compliance with the Fair Credit Reporting Act ( FCRA ). I have not received the original contract, a complete payment history, or an explanation of how the balance was calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I demand for this to be remove from my credit report, its damaging me from getting a house an land

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Oliphant United, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: PA

Complaint narrative:
To Whom It XXXX Concern, This letter constitutes a formal CEASE AND DESIST notice to KIKOFF LENDING LLC. 

I dispute the alleged account being reported under my name by KIKOFF LENDING LLC. I do not owe this debt, and the account does NOT belong to me. I have never entered into any contractual agreement with KIKOFF LENDING LLC, nor have I authorized you or any third party to open, service, report, or furnish an account using my personal information. 

Pursuant to the Fair Credit Reporting Act ( XXXX XXXX. XXXX ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), you are hereby directed to CEASE AND DESIST immediately from all collection efforts, reporting, furnishing, verification, communication, or any other activity related to this alleged account. 

Any continued reporting or collection activity after receipt of this notice constitutes the dissemination of false and unverified consumer information and may be deemed willful noncompliance with federal law, including failure to ensure maximum possible accuracy and failure to conduct a reasonable investigation.

Accordingly, I demand the following : 1. Immediate cessation of all collection and reporting activity related to this alleged account. 
XXXX. Permanent deletion of the disputed account from all consumer reporting agencies to which it has been furnished. 
XXXX. Written confirmation that this cease and desist notice has been honored and that the account has been removed. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and may subject your organization to civil liability under applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: CA

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 2026-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: OK

Complaint narrative:
On XX/XX/XXXX I signed up for XXXX XXXX XXXX XXXX through their XXXX  phone app and was asked to test the app with a {$1.00} transaction. I made the transaction from my credit card and it showed as pending. A few days later on XX/XX/XXXX I took the app to a farm market and received 5 XXXX XXXX XXXX transactions from customers totaling {$46.00}. A few days later I noticed that all of these payments were still pending so I called the company. The customer service agent said that the engineering team would fix the problem and that I should wait a few days, uninstall the app, and then reinstall it. About a week later I did that and the transactions were still pending. I called again 3 more times over the next few months and was told it would be fixed. Today, XX/XX/XXXX I was told by customer service that I am not the only person experiencing this problem and there are others waiting on payments as far back as XX/XX/XXXX. 

I looked it up and it seems that in Regulation Z there are limits to how long a company can take to process a credit card transaction. There are also limits in Regulation CC on how long a financial institution can take to make a transfer of funds. XXXX  ( Paypal Inc ) is way over those limits.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-19 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: ROBINHOOD MARKETS INC.
State: WA

Complaint narrative:
Robinhood has restricted access to my account and refuses to tell me the reason they did so and they also refuse to reverse the restriction barring me completely from my account and brokerage/money/banking services.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I order PC graphic card from XXXX. 
tracking XXXX Order info Time placed XX/XX/year> at XXXX XXXX Order number XXXX Total {$150.00} ( XXXX item ) Sold by XXXX Delivery info Delivered on Fri, XX/XX/XXXX Paid Through PayPal XXXX XXXX on XX/XX/XXXX Tracking available XXXX XXXX completed : Tracking available, XX/XX/XXXX Delivered XXXX XXXX on XX/XX/XXXX Tracking details Number XXXX Track package Item info XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Graphics Card - READ {$150.00} I don't received the item, i fill compline with PayPal they close the case in favor of the seller, they never contacted the post office to verify if the package delivered to my address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Massachusetts XXXX United States So I have to Pay for something I don't received and I don't get help from PayPal Post office XXXX XXXX confirm that the package have the address, I contacted the seller no answer, and XXXX no help and paypal charged my credit card for something I don't received, XXXX Money Back Guarantee

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am submitting a formal complaint against Capital One and their assigned collection law firm, XXXX XXXX XXXX, for failure to communicate, failure to validate, unfair debt collection practices, and inaccurate credit reporting. 

Since XX/XX/XXXX, I have made repeated good-faith attempts to resolve this account. The collection firm instructed me to send money to a XXXX XXXX XXXX but refused to negotiate or settle the account. I was later served by a constable and appeared in court on XXXX and XXXX, but no representative from XXXX XXXX XXXX appeared on either date. Despite this, the balance on my account was increased. 

I have contacted XXXX & XXXX multiple times XXXX  XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXXXXXX XXXX and left voicemails with my reference number, but I have never received a response. 

I contacted Capital One in XXXX to report the firms lack of communication. Capital One representatives attempted to contact the firm by phone and email, and also received no response. On XX/XX/XXXX, Capital One called me to ask whether the firm had contacted me because they had received no reply from the firm. They again attempted to contact the firm while I was on the phone and reached voicemail. 

On XX/XX/XXXX, a Capital One representative connected me directly to XXXX XXXX XXXX, but I was told the department was unavailable. I requested a supervisor and left another voicemail. I never received a response. 

This account continues to be reported on my credit despite the firms failure to validate, communicate, appear in court, or resolve the matter. This is causing ongoing financial harm. 

I am requesting the following resolutions : Full investigation into XXXX & XXXX XXXX Removal of inaccurate and unverifiable credit reporting Written validation of the debt if it is being claimed as valid Immediate correction or deletion of this account from my credit reports I have acted in good faith at every stage. The failure to resolve this matter has not been on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: MO

Complaint narrative:
My complaint is someone set up an account under my name using my social and my birthday and I request information about this account which they refused to give me any information. support instead of after talking to them for at least 30 minutes or 45 minutes I get hung up on I contacted them like 2 years ago when I was first released from prison in XX/XX/XXXX of XXXX   and had the same problems. For a while now I just seem to forget about it but it's a lot of money involved so that's why I'm taking time out to try to straighten this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Vengroff Williams, Inc
State: NC

Complaint narrative:
On XX/XX/year>, I received a notice from Vengroff Williams , Inc., claiming I owed {$20000.00} to XXXX XXXX XXXX XXXX XXXX XXXX  Reference No. XXXX ). On XX/XX/year>, I mailed a detailed debt validation request and cease collection letter ( sent via certified mail ) disputing the debt in its entirety and asking for documentation such as an itemized balance, a copy of any signed contract, and proof of the companys authority to collect. On XX/XX/year>, Vengroff responded with a settlement offer but failed to provide any of the requested documentation ; there was no itemization of the balance, no copy of a contract or policy, and no proof of assignment. Despite my dispute, they continue to attempt to collect the debt by offering a discounted settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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

Complaint narrative:
I am filing this complaint regarding restricted access to funds in my PayPal account. 
On or around [ XXXX XXXX ], my PayPal account received a one-time personal transfer from a private individual located in another country in the amount of [ {$1.00}, {$170.00} ]. This transfer was personal in nature and was not related to any goods, services, or commercial activity. 
Shortly after the funds were received, my account was limited, and I became unable to access the funds or complete the transaction. The payment currently shows a pending status, and the funds are not available for use or withdrawal. 
I contacted PayPal to request clarification regarding the account limitation and asked whether the limitation could be removed. I also stated that if the limitation can not be lifted, I consent to the funds being returned to the original sender, who is aware of and agrees with this resolution. 
To date, I have not received a clear explanation for the limitation or guidance on how the funds will be handled. As a result, I am unable to access or return the funds. 
I am requesting that PayPal either restore access to my account and funds or return the held funds to the original sender as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 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: IN

Complaint narrative:
It has been extremely frustrating and distressing to discover a collection account reported under my name for a debt I do not recognize, did not authorize, and can not be verified as mine. I have been subjected to repeated collection attempts through multiple communication channels, including threats of legal action, which is unacceptable. As a law-abiding consumer, this conduct is insulting and represents a clear violation of my rights. The continued reporting and harassment related to this unverified debt has taken a serious toll on my mental well-being and caused ongoing stress and sleepless nights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Block, Inc.
State: CA

Complaint narrative:
my card is always declined on XXXX  and they refuse to even answer questions!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Texas Guaranteed
State: TX

Complaint narrative:
Subject : Formal Dispute Loan Previously Forgiven, Paid in Full, and Closed To Whom It May Concern, I am writing to formally dispute the claim that I owe a balance on the above referenced federal student loan account. 

This loan was approved for federal loan forgiveness, after which I received a refund. I have written documentation from my loan servicers confirming that the account was paid in full and officially closed. I relied on these written confirmations as final agency action. 

Now, more than XXXX years later, I am being informed that the balance has been reinstated. I did not commit fraud, misrepresentation, or error in this matter. Any error that occurred was administrative and outside of my control. 

I am requesting the following : XXXX. A full written explanation of why this previously closed and paid-in-full account has been reopened XXXX. Documentation supporting the authority to reinstate this debt XXXX. XXXX suspension of collection activity while this dispute is under review XXXX principles of administrative finality and detrimental reliance, I dispute responsibility for any alleged balance and request that this matter be resolved accordingly. 

Please consider this a formal written dispute. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Winklevoss Exchange LLC
State: MI

Complaint narrative:
I have done every verification But then they stop replying to my emails And every time I try to reach them They start all over again and ask me for the same verification XXXX has restricted my account and blocked withdrawals despite completing all required identity verification and authentication steps. 

The bank account originally linked to my XXXX account is now closed, and XXXX refuses to provide an alternative withdrawal method such as wire transfer or check. 

My funds are being held with no clear resolution timeline. I am requesting immediate release of my funds or written instructions for withdrawal upon account closure.

Company response to consumer: Closed with explanation