vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: USCB Corporation
State: MI

Complaint narrative:
I am filing this complaint regarding USCB XXXX for failure to properly validate a debt and continuing to report and update the account without providing sufficient verification. On or around XX/XX/year>, I sent a formal debt validation request to this company requesting documentation to support the alleged debt. This included a request for the original contract or agreement, an itemized breakdown of the balance, and proof of the companys legal authority to collect. The company failed to provide adequate validation. The information provided did not meet the standard required to verify the debt. Despite this, the company proceeded to update the account on my credit report on or around XX/XX/year>. This constitutes continued collection activity and inaccurate reporting without proper validation. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, a debt collector is required to provide sufficient validation and report accurate, verifiable information. By updating this account without proper validation, the company is reporting information that is not fully verified and may be inaccurate. This has negatively impacted my credit profile. I am requesting that this account be immediately deleted from all credit reporting agencies due to failure to validate and inaccurate reporting. I am also requesting documentation showing how this account was verified, including the method of verification used. Continued reporting without proper validation may constitute a violation of federal law, and I am prepared to pursue further action if this matter is not 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 explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
debt collector called me on XX/XX/year> ( Saturday ) i asked them to send me a validation of debt on XX/XX/year>. they agreed to send. Letter was sent on XX/XX/year> 6 days after the time we talked. could have been sent on the following Mon. Tue. Wed. or Thu. but was sent on that Fri. I did not receave it till XX/XX/year>. 16 days after talking to them on phone and asking for paper.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint against Comenity Bank ( XXXX XXXX Credit Card ) regarding a systemic technical failure and predatory billing practices. In XX/XX/year>, I had an original purchase balance of approximately {$15.00}. I attempted to pay this balance via the online portal multiple times, but the portal consistently showed a {$0.00} balance. Based on the bank 's own official digital records, I believed no payment was due. Despite their system showing a XXXX balance, the bank began charging late fees and interest. When I called to resolve the error, the bank refused to acknowledge their system failure. Tried to resolve it by removing {$15.00} dollars from the {$81.00} To stop the harassment and collection calls during a period of personal health issues, I paid the inflated balance of {$87.00} in full on XXXX XXXX. As you can see on the pictures I will upload. I checked the day before, and the balance was still stating it was {$0.00}. I still need the payment because I didnt want to keep getting calls from collections. However, the bank has acted in bad faith. After paying the account to {$0.00}, they have now issued an additional bill for {$46.00}. This is an egregious attempt to collect fees on a balance that resulted from their own technical error and has already been paid in full. I am only working part-time and have already missed days from work due to illness. This has taken a toll on my time and other payments I have to be doing I would like for this to be resolved as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Get Financed LLC
State: FL

Complaint narrative:
The dealership repossessed my vehicle allegedly due to an issue with insurance coverage, not due to missed payments. I was not given clear, proper, or timely notice that my insurance did not meet their requirements, nor was I given a reasonable opportunity to correct the issue before repossession occurred. Prior to the repossession, I was receiving excessive and repeated phone calls from the dealershipmore than 10 times per dayregarding a payment that was allegedly 10 days late. I have consistently maintained my payments and do not have a history of paying late on my vehicle. I also sent a message requesting that they stop calling me and communicate only by text message. After making this request, the tone and behavior from the dealership became hostile, and shortly after, my vehicle was repossessed. After repossession, I was informed that I must pay the remaining loan balance in full to recover the vehicle, even though the stated reason for repossession was insurance-related and not payment default. This demand appears unfair and inconsistent with the reason given for taking the vehicle. I made efforts to communicate and resolve the situation in good faith, but was not provided a fair opportunity or proper resolution process. The combination of excessive calls, inaccurate or disputed claims of late payment, refusal to respect communication preferences, and the timing of the repossession raises serious concerns of unfair, deceptive, and potentially retaliatory business practices. I am requesting a full investigation into the dealerships conduct, including compliance with repossession procedures, notice requirements, accuracy of payment claims, and whether their actions constitute unfair, deceptive, or retaliatory practices under consumer protection laws. I also request review of any charges or demands made after repossession. They send me a message at XXXX saying that I have until XXXX to make the payment which was after the time provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I joined an e-commerce XXXX group to learn about online business. Someone in the group contacted me and talked about XXXX and making money online. They showed me screenshots of store sales and advised me not to put all my eggs in one basket, which made me trust them. I now believe this person may have been working with or pretending to be another person to build trust. I was then told I had earnings of about {$22000.00} in a XXXX store and needed to pay fees to a XXXX XXXX XXXX to withdraw the money. Over time, I sent more than {$5000.00} through XXXX to a XXXX bank account under the name XXXX XXXX XXXX. I never received any of the promised funds, and the person continues to ask for more money. I now believe this was a coordinated scam involving fake identities and a fake online business opportunity.

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 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Resolution Corporation
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date : XX/XX/year> Subject : Complaint Against ACCT XXXX XXXX Failure to Validate Debt and Inaccurate Credit Reporting To Whom It May Concern, I am filing a complaint against ACCT XXXX XXXX regarding the reporting of a collection account on my XXXX credit report in the amount of {$670.00}. I requested full validation of this alleged debt, including documentation verifying the original creditor, the balance, and the companys legal authority to collect. The company has not provided sufficient evidence to support the validity of this account. Despite the lack of proper validation, this account continues to be reported, which raises serious concerns regarding the accuracy and completeness of the information. This behavior violates : The Fair Credit Reporting Act ( FCRA 611 ) requiring a reasonable investigation The Fair Debt Collection Practices Act ( FDCPA 809 ) requiring proper validation The reporting appears to include potential inaccuracies related to : Balance reporting Account status Ownership of the debt Required reporting standards I am requesting the following resolution : Immediate deletion of this account from my credit report Written confirmation of deletion Immediate cessation of all reporting activity If the company can not provide proper documentation, it has no legal basis to continue reporting this account. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
As of today XXXX26, I just found a new collection from ( Credence Resource Mana ) for an account/debt showing account number # XXXX that matches another account/debt previously being reported, previously disputed, and previously removed/deleted off my XXXX Credit Report back on XXXX26 with the following report number : XXXX which was reinserted back on to my credit report by this collector who failed to conduct a reasonable investigation to verify the information was accurate, correct, and complete before willfully reporting the unreportable information to XXXX. The collector failed to fulfill their responsibilities as a furnisher of information, as I never received a right-to-dispute letter from the collection agency before the reinsertion on my credit report, nor did I receive the required notice from the CRA. Not to mention the collector 's failure to report the original date of first delinquency which is a requirement that must remain anchored to the entirety of the account/debt. This collector 's willful non-compliance/negligence with the laws is egregious! So, I hereby DEMAND that the following UNREPORTABLE reinserted information gets immediately DELETED from my credit report and it's to remain unreportable under the LAW. Arizona 's mini-FCRA LAW ( A.R.S. 44-1691 ). Federal FCRA/FDCPA LAW ( 15 USC 1681i ( a ) ( 5 ) ( B ), 15 USC 1681n section 616, 15 USC 1681o , 15 USC 1692g section 809, 15 USC 1681s-2 section 623, 15 USC 1681i section 611 ( a ) ( 6 ) ( B ) ( iii ). Failure to comply to my demands will only increase the settlement amount you already owe me which is I fully intend to COLLECT ON THAT DEBT YOU ARE LEGALLY RESPONSIBLE FOR AND OWE ( nearly {$10000.00} plus attorney fees & other court costs ) FOR ALL OF THE EGREGIOUS NON-COMPLIANCE VIOLATIONS COMMITTED BY REPORTING FALSE/UNREPORTABLE INFORMATION, THAT WAS RE-AGED, REMOVAL OF REQUIRED ANCHORED INFORMATION, RESPONSIBILITIES OF THE FURNISHER VIOLATIONS, REINSERTION OF UNREPORTABLE INFORMATION, FAILURE TO CONDUCT A REASONABLE INVESTIGATION TO SUBSTANTIATE THE REPORTING, WILLFUL NON-COMPLIANCE, WILLFUL NEGLIGENT NON-COMPLIANCE, FAILURE TO PROVIDE NOTICE OF RIGHT TO DISPUTE LETTER. HOPE YOU LEARNED A VALUABLE LESSON HERE TODAY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX at about XXXX PST, I was called from the phone number of XXXX XXXX XXXX XXXX XXXX XXXX The called pretended to be a police officer and told me that I was supposed to show up for Jury duty and I failed to show up. I checked online the number it and was correct. Then, the person informed me that I must pay {$2500.00} amount to government official on the cash app before I go to XXXX court to have the issue finally resolved. So I transferred to an account named 'XXXX XXXX XXXX the amount. I called XXXX afterwards to check what are the next steps and then I learned that this was a scam call. I reported immediately to the cash app about this scam call and they informed me to file a report and wait for 10 business days. On XX/XX/XXXX, XXXX, I received an email from the Cash app saying that they are unable to reimburse you for this payment despite informing them about the scam pretending to be from the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.

Complaint narrative:
A federal student loan was opened in my name without my knowledge or authorization as a result of identity theft. I have never applied for, attended, or benefited from the school associated with this loan. I currently live in XXXX and was not enrolled in any XXXX educational institution at the time the loan was originated. The loan is serviced by AidVantage. After discovering the fraudulent account, I submitted a Claim of Identity Theft / Forgery to AidVantage. I provided an FTC Identity Theft Report, and a sworn declaration confirming that I did not authorize or benefit from the loan. AidVantage denied my claim stating that the Department of Education requires records from the originating school and that such records were not received. I have no ability to obtain or compel records from a school I never attended, and any records held by the school would necessarily have been created by the identity thief. Despite the identity theft documentation I submitted, the fraudulent loan continues to be reported on my credit file and has caused significant credit score damage. I am requesting escalation and review of AidVantages denial, proper handling of my identity theft discharge request in accordance with federal regulations, suspension of negative credit reporting, and correction of my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am filing a complaint regarding Chimes handling of a scam-related {$150.00} domestic money transfer. On XX/XX/year>, I sent {$150.00} through Chime after being deceived by a person pretending to sell legitimate event tickets. Shortly after realizing it was a scam, I contacted Chime to report the transaction and request assistance. I was told not to send money to strangers again and that they could not help me. I requested a case/reference number, but no reference information was provided. Before ending the call, I asked them to please try any available options before disconnecting, but the call was ended after all solutions were closed. I am requesting : 1. Review of any available options to recover or refund the {$150.00} transfer. 2. A case/reference number confirming my complaint was documented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: Block, Inc.
State: NY

Complaint narrative:
Complaint Against Cash App ( Block , Inc. ) I am filing a complaint against Cash App regarding my inability to access my funds after my account was closed. My Cash App account was closed approximately XXXX weeks ago. At the time of closure, I had a remaining balance in my account. Since then, I have made multiple attempts to withdraw my funds using different debit cards and by waiting between attempts as instructed, but every withdrawal attempt has been blocked. I have not been provided with a clear explanation for why my withdrawals are being denied. I have also not been informed of any confirmed fraud or wrongdoing associated with my account. Despite contacting customer support, I have not received a meaningful resolution or a clear timeline for when my funds will be released. This situation has left me unable to access my own money for an extended period of time without justification. I am requesting that Cash App : 1. Immediately release my remaining account balance through a working withdrawal method or manual payout ( such as bank transfer or check ), and 2. Provide a clear explanation for the restriction on my account. If there are any verification steps required, I am willing to complete them promptly. However, I have not been properly guided through any such process. I believe it is unreasonable for my funds to be withheld without clear communication or resolution. I am requesting prompt action to resolve this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 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: CA

Complaint narrative:
On or about XX/XX/2025, PayPal placed a limitation on my account that prevents me from sending money, withdrawing funds, or otherwise accessing my balance. PayPal stated that the limitation was based on an alleged legal court order related to a third-party intellectual property case. I was never served with any summons, complaint, temporary restraining order, or other legal process prior to this restriction. I did not receive any notice from a court or any official source before my account was frozen. Since that time, I have repeatedly contacted PayPal and requested : - A complete and authenticated copy of the alleged court order - Proof that I was properly served with that order - Identification of the specific language in the order that directs PayPal to restrain my account PayPal has not provided any of this information. Despite claiming that a legal seizure of funds is in effect, PayPal has not provided any documentation establishing that such a seizure is legally valid or enforceable against me. Instead, PayPal directed me to contact a private law firm and stated that my account would remain restricted unless the matter is resolved with that firm. PayPal has effectively conditioned access to my funds on resolving a private dispute, without first demonstrating that any valid or enforceable court order applies to me. In a prior complaint, PayPal responded that it could not provide details because the account is not in my name, while at the same time continuing to maintain restrictions on the account and funds at issue. This response is contradictory and does not resolve the issue. As of today, my account remains restricted, and I still have not received any authenticated legal documentation or proof of service. I have been unable to access or use my funds for an extended period, causing financial disruption. I am requesting that PayPal either : ( 1 ) Immediately remove all restrictions and restore full access to my account; or ( 2 ) Provide a valid, authenticated court order and proof of service demonstrating that the restriction is legally required and enforceable against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: KEYCORP
State: NY

Complaint narrative:
On XX/XX/XXXX, I went out with friends to a club in the city at approximately XXXX XXXX. We remained there until around XXXX XXXX. Upon leaving the venue, I realized that my phone was missing. I immediately returned to try to locate it, but I was unable to recover the device. Later that night, after returning home, I received a notification on my XXXX indicating that a transaction of {$7500.00} had been transferred from my bank account to a third-party application, XXXX XXXX, without my authorization. Because my bank was closed at the time, I contacted them as soon as possible the following day to report the incident and file a fraud claim. I also filed a police report regarding the theft of my phone and the unauthorized transaction.I want to clearly state that I did not authorize this transaction. My phone had been stolen, and the transfer was made without my knowledge or consent. This unauthorized transaction has caused significant financial harm, and I am requesting a full investigation and prompt reimbursement Under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, I understand that consumers are protected from unauthorized electronic transfers, particularly in cases involving stolen devices and lack of authorization. I reported this incident promptly upon discovery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I was at a party and my phone went missing so I used my brothers phone to track this one and when I found it my phone was on the street. Thats when I noticed two transactions one being XXXX and the other being XXXX both of which I did not authorize.

Company response to consumer: Closed with explanation