vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am the victim of identity theft. The debt being reported in my name was not opened, authorized, or incurred by me. I did not give the creditor or any debt collector permission to access or use my consumer report for this account. Under 15 U.S.C. 1681b, a consumer reporting agency may only furnish a consumer report for a permissible purpose. Because this account was created through identity theft, no permissible purpose existed for obtaining or using my credit information. I provided the creditor/collector and the credit reporting agencies with an identity theft report and documentation showing that this account does not belong to me. Under 15 U.S.C. 1681c2, the credit reporting agencies are required to block all information that results from identity theft within four business days of receiving proper documentation. Despite this, the account continues to appear on my credit report and is being used to attempt collection. I have repeatedly disputed the account and requested blocking under 1681c2, but the company has failed to remove or cease reporting the fraudulent information. Their continued reporting and collection attempts are harming me financially and violating my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB require the company and the credit reporting agencies to : Block and remove all information related to this identitytheft account Cease all collection activity Confirm in writing that the account has been permanently removed from my credit file I am exercising my rights under the FCRA and requesting enforcement of 15 U.S.C. 1681b and 15 U.S.C. 1681c2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Subject : Request for Review of Denied Debit Card Fraud Claim To Whom It May Concern, I am submitting this complaint regarding the denial of my debit card fraud dispute by my financial institution. I reported an unauthorized transaction on my account in the amount of {$420.00} that occurred on XXXX XXXX, 2026, at approximately XXXX. I did not authorize this transaction, did not receive any benefit from it, and was not present at the location where the transaction allegedly occurred. The bank denied my claim based on information indicating that the transaction was completed through a chip or contactless card-present transaction. However, I dispute this conclusion because I was not the person who conducted the transaction. As part of my dispute, I provided supporting documentation, including : * My work time records showing I was working at the time of the transaction. * Information demonstrating that I had no reason to make this purchase. * My statement that I did not authorize or participate in the transaction. Additionally, the transaction information provided by the bank is extremely limited. The merchant description only references a parking-related business in the XXXX XXXX area and does not provide a complete merchant address, phone number, or sufficient identifying information that would allow me to independently investigate the charge. I am requesting that the bank : 1. Provide all evidence used to deny my claim. 2. Explain how it determined that I personally authorized the transaction. 3. Provide complete merchant information, including the merchants name, address, and contact information. 4. Conduct a thorough review of the dispute and reimburse the unauthorized charge if appropriate. I respectfully ask the CFPB to review this matter and assist in obtaining a fair investigation of my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I am filing this complaint against PayPal regarding a fraudulent {$9400.00} transaction from XX/XX/XXXX, which has left my account with an unjust negative balance of $ XXXX XX/XX/XXXX, XXXX from PayPals XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX ) emailed me admitting that on XX/XX/XXXX, PayPal APPROVED my unauthorized activity claim XXXX Case ID : XXXX ) and placed a security limitation on my account XXXX Limitation ID : XXXX ) .Despite admitting that my account suffered a security breach and approving the unauthorized activity claim, PayPal has failed to clear the negative balance caused by that very breach. Furthermore, PayPal is holding my financial data hostage, refusing to let me delete my XXXX checking account and credit cards because of automated billing agreements, while simultaneously locking me out of the account so I can not manually cancel them. Under Regulation E, I demand that PayPal honor their XX/XX/XXXX approval, clear the fraudulent negative balance, and allow me to remove my banking instruments immediately. Additionally, PayPal has escalated this fraudulent debt to a third-party debt collector, XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ). They sent a collection notice dated XX/XX/XXXX, demanding {$9300.00} ( XXXX XXXX XXXX XXXX XXXX XXXX. I am being subjected to collections for a fraudulent balance that PayPal already internally approved as unauthorized on XX/XX/XXXX ( Case ID : XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I received a letter from Bank of America stating that theyve decided to close my account but they are not explaining why they closed it or how to access my funds that were still in my account. They were also supposed to be continuing investigating the fraud that I reported but I have yet to receive a decision or any of my funds from the disputes and its been over two to three months since I filed them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I was contacted by a debt collection company regarding an alleged debt. On or about [ date ], I requested validation of the debt and asked the company to provide documentation showing the amount owed, the original creditor, and proof that the debt belongs to me. As of [ date ], the company has failed to provide sufficient validation of the debt and/or has continued collection efforts despite my dispute. I am requesting that the company provide proper documentation supporting the debt and comply with all applicable federal and state debt collection laws. I would also like any credit reporting related to this account to accurately reflect that the debt is disputed until validation is provided. I have retained copies of my correspondence and records of communications regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: IN

Complaint narrative:
Cashapp is holding me accountable for two deactivated account two times with no explanation ... All l do is send and receive money l pay any money l owe back .. l am a long time customer and do a lot of business on cashapp

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
b"That is a crucial detail to include. It shows that you weren't just calling random customer service linesyou were actively trying to work with your dedicated agent, whom you trusted, but the system or her workload still caused a massive breakdown in communication. It emphasizes your patience and that you really exhausted every option before it got to this point.\nSince you are still on that text box screen from the image, you can add this right into the story. Here is the updated version with that added in. You can select all the text currently in your box, delete it, and paste this complete, updated version instead: I am filing this complaint regarding an invalid debt forwarded to Credit Collection Services (File Number: XXXX XXXX XXXX) due to an error by XXXX XXXX XXXX. For over a month, I made repeated attempts to ensure my XXXX account was paid on time. I tried contacting my dedicated agent multiple times about this situation. I frequently had trouble reaching her, and when I finally did, she would tell me she was going to get back to mebut it would then take a week or even two weeks to hear anything back. I want to emphasize that I respect her completely and she has otherwise been an amazing, truthful agent, but the delays left this issue unresolved. Because of this, I also spoke to multiple other representatives, but absolutely no one could give me a straight answer. Despite the runaround, different representatives explicitly confirmed over the phone that my bill was successfully processed and my account was current. Relying in good faith on those verbal confirmations, I believed the matter was settled. When the billing discrepancy persisted, I attempted to resolve the situation immediately by sending a formal email inquiry to XXXX customer support. No one ever responded. Instead of addressing my written concerns, Allstate completely ignored my communication and erroneously passed an alleged balance of $XXXX to a third-party collection agency. I am formally disputing this entire balance. I am demanding that XXXX conduct a thorough audit of all recorded telephone communications between myself, my agent, and their customer service staff to verify the conflicting information and verbal confirmations I was given. I am also requesting that Credit Collection Services immediately halt all collection and credit reporting activities while this billing error and dispute are under formal investigation."

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XXXX/26, I got an e mail that there was suspicious activity on a teen acct that I am the adult/mother on. And to contact support, which has to be done via chat. I chatted & am told the account is still under review and in 3-5 business days, I will get e mail. So I wait XXXX business days, and chat again. Am told the same thing. I say I was already told that & asked if I could have the email contact for the department that is reviewing my case. Am told to rest assured its being reviewed and I will get an e-mail in 3-5 business days. I wait another 5 business days and am told the same thing. So its now been XXXX weeks and I havent received anything from Venmo. I call the number it tells me to go to chat, I chat and they continuously respond with the same verbiage. I was asked to provide a photo id and I did so that.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arivo Acceptance, LLC
State: WA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
XXXX XX/XX/year>, my credit card is ckosed suddenly by Synchrony bank. I had a lot of points i lost all of them suddenly. First they should jntimate before closing to long time custoemrs 2. They closed my account which is not fair. I want to dispute that. 3. I want my points back. This is i spend and so i collected it.

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 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My credit card fraud claim was denied and the charges were sent back to my account, and Im faced with having to pay those fraudulent charges that I didnt authorize at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My account was sold to collections. I notified the collection company by phone that I am disabled, and on ssdi. I can not afford any of the payment options and in the state of Texas, they can not sue and take my only income of ssdi. Citi bank has continued to increase my late fees and report late payments even after the account was closed and sent to a collection agency. Citi bank continues to send me statements in the mail billing me for a closed account that keeps increasing in the amount owed. They continue to report late payments on a closed account that repeatedly drops my credit score. Please help me.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: PA

Complaint narrative:
To Whom It May Concern, I am submitting a complaint regarding a collection account being reported on my credit report by Hunter Warfield Inc. in the amount of {$1000.00}. The account is currently being reported as a collection account and is negatively affecting my credit profile. I am formally disputing the accuracy and validity of this debt and request that the furnisher provide proper documentation supporting its reporting. Specifically, I am requesting : 1. Verification that this debt belongs to me. 2. Documentation showing the original agreement that created the obligation. 3. A complete payment history and itemization of the amount claimed to be owed. 4. Documentation showing Hunter Warfield Inc. has the legal authority to collect and report this debt. 5. Proof that all information being reported to the credit bureaus is accurate and complete. Under the Fair Credit Reporting Act ( FCRA ), information reported to consumer reporting agencies must be accurate and verifiable. If the furnisher can not provide sufficient documentation supporting the validity and accuracy of this account, I request that it be removed from all credit reporting agencies immediately. I appreciate your prompt investigation into this matter and look forward to receiving the results. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I made a payoff payment of {$5300.00} on XXXX XXXX, 2026. This was before the statement close date and to prevent interest from accruing on the account. They claim that the interest is correct and charged {$87.00} and {$1.00} on XX/XX/year>2026 after the statement end date. They're unfair and deceptive practices are charging interest even when accounts are paid in full. They stated it was from XX/XX/year> to the payment date of XX/XX/year>. This contradicts the 30 day billings cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
disputes and requests for validation. To date, your company has failed to provide : A signed agreement bearing my signature Competent evidence establishing contractual liability Proof of assignment or legal ownership Complete account records Documentation establishing the accuracy of the alleged balance Instead, your company continues furnishing negative information to consumer reporting agencies without providing lawful validation or competent evidence. Be advised that the credit reporting industry has already been subject to federal enforcement actions involving inaccurate dispute handling, automated verification procedures, and failures to properly investigate consumer disputes following the XXXX data breach investigations and related regulatory findings. Your continued reporting of disputed and unverifiable information after notice of dispute demonstrates reckless disregard for federal consumer protection laws. Your actions may constitute : Failure to conduct a reasonable investigation under 15 U.S.C. 1681i Reporting inaccurate or unverifiable information under 15 U.S.C. 1681e ( b ) Continued collection activity without proper validation under 15 U.S.C. 1692g ( b ) You are hereby given fourteen ( 14 ) days from receipt of this notice to : Permanently delete this account from all consumer reporting agencies Cease all collection activity Provide written confirmation of deletion Failure to comply will result in immediate escalation, including complaints filed with federal regulators and initiation of legal proceedings seeking statutory damages, actual damages, punitive damages, attorneys fees, and all available remedies under federal and state law. All records and correspondence are being preserved for litigation purposes. Govern yourselves accordingly. Sincerely,

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 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Fay Servicing, LLC
State: MI

Complaint narrative:
In XX/XX/year>, I obtained a mortgage loan that is secured by a single family residential property. In XX/XX/year>, I requested a payoff so the property could be sold. The servicer, Fay Servicing, added a XXXX percent prepayment penalty to the payoff amount. XXXX XXXX XXXX XXXX XXXX ) limits prepayment penalties on loans secured by a single family dwelling to XXXX percent within the first XXXX years and XXXX percent after that. The statute does not contain any exemptions for business purpose loans, commercial labels, or entity borrowers. The only condition in the statute is the nature of the collateral, which in this case is a single family dwelling. I contacted Fay Servicing and disputed the penalty. I asked them to either correct the payoff or issue a conditional payoff so the closing could proceed. Fay Servicing refused to adjust the payoff and stated that the statute does not apply because the loan is labeled commercial. They did not provide any statutory language or legal authority supporting this position. The property is scheduled to close in XXXX weeks, and the servicers refusal to issue a corrected or conditional payoff is putting the closing at risk. I am requesting CFPB assistance to require the servicer to either correct the payoff to comply with XXXX law or issue a conditional payoff so the closing can proceed without financial harm.

Company response to consumer: Closed with explanation