vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Grow Credit Inc
State: FL

Complaint narrative:
I am filing a complaint regarding a company listed on my credit report as Grow Credit ( or similar name ), reporting a balance of approximately {$130.00}. I have attempted multiple times to contact this company to verify the validity of this account and resolve the matter. Also have sent dispute letters for 10 consistently months and still have seen a result and any acknowledgement, but it's still showing on my credit report. All of these attempts have failed. The email address listed for the company is invalid and returns as undeliverable. The phone number associated with the account is not working, and the listed address is also not valid or reachable. Due to the company being completely unreachable, I am unable to verify this debt or resolve it directly with them. This raises serious concerns about the accuracy and legitimacy of the account being reported. Under the Fair Credit Reporting Act, any account reported on my credit file must be verifiable and accurate. Since this company can not be contacted and appears unable to verify the debt, I am requesting that this account be removed from my credit report immediately. I have made good-faith efforts to resolve this matter directly, but the companys lack of valid contact information has made that impossible. I respectfully request a full investigation and removal of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Wednesday- XX/XX/year> at XXXX, I went to XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX and purchased an item that came up to {$3.00}. The store worker charged {$5.00} due to his debit card {$5.00} minimum fee.

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 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: KS

Complaint narrative:
I have been in public service for over 12 years. I have been a teacher and currently still am for 9 years. I also served a term in the military. I have always been in XXXX. I have always qualified for monthly payments, submitted 10 years of paperwork for work, always qualifying. I am a single father of XXXX children. Studentaid.gov is telling me I still owe XXXX plus payments even though I have all the paperwork for more than 10 years submitted and documented. I am needing my loans XXXX. I followed the rules, did what I was supposed too. I am need help please. I started in XXXX and I am still in public service currently.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
Today, XX/XX/year> I have attempted to log into my XXXX account. On my new cell phone that I recently replaced after breaking my old one. When I go to login, they want me to verify my phone number however it is my old phone number ending in XXXX that I no longer have access to. My new phone number ends in XXXX. Ive tried to reach out to their support and every way that Ive can. Ive called their support phone number XXXX several times and it instantly disconnects. Then went online and was talking to their chat support bot. They also mentioned that XXXX was not a certified XXXX customer support number and then it literally recommended me the same exact phone number in the chat! I sent an email to XXXX and I received a response saying that this email address is un monitored! I have over {$4000.00} in my XXXX account and I want it! I have screenshots of my chat with their website chat box and I have email correspondence as well. I also called PayPal customer support as XXXX states XXXX is a service of PayPal , Inc . PayPal support did connect me to a real agent and they spoke with me however, they refuse to help me with my XXXX account in anyway, stating that they do not have access to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
This bill has the debt coming from XXXX XXXX XXXX, which I have never visited. I need the original payee, because I have not had any hormone treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER 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 explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/year>, I was charged {$49.00} through PayPal for a service from XXXX XXXX XXXX. I did not receive any service, access, or account related to this charge. I contacted the merchant, and they were unable to locate any account or record tied to my name, email, or information. This confirms that no service was provided to me. I disputed this transaction multiple times with PayPal and provided evidence, including proof that no account exists and that I did not receive any service. Despite this, PayPal denied my dispute, stating that the service was delivered, without requiring the merchant to provide verifiable proof that the service was delivered to me specifically. Additionally, the merchant issued only a {$1.00} partial refund on a {$49.00} charge, which does not resolve the transaction and further indicates that the service was not properly fulfilled. At this point, I do not want the service even if they claim they can provide it now. I am only requesting a full refund. PayPal failed to properly investigate this dispute and accepted the merchants claim without sufficient evidence that I received any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am a Nevada resident and I am formally disputing the inaccurate reporting of [ MidLand Credit Management Inc ]. This company is a third-party debt buyer, yet they are reporting to XXXX, XXXX, as the 'Original Creditor and XXXX as a different as well. This is a violation of the FCRA requirement for maximum possible accuracy. By falsifying the 'Original Creditor ' field, they are obscuring the chain of title and making it impossible for me to verify the debt 's validity with the actual source. I demand a manual investigation and immediate deletion of this inaccurate tradeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Freeway Funding, Inc.
State: CA

Complaint narrative:
CFPB XXXX XXXX Freeway Funding LLC I am filing this complaint due to Freeway Funding LLC mishandled my auto loan, failed to properly process the vehicle after taking possession, continued to keep the vehicle in my name, and has reported inaccurate information to the credit bureaus for nearly XXXX years. Their actions have caused severe financial harm and have prevented me from obtaining a replacement vehicle. Freeway Funding financed a vehicle for me that was later stolen, shot up, and wrecked. When police notified Freeway Funding of the incident, the company initially stated they wanted to step away from the loan entirely. Despite this, Freeway Funding later took possession of the vehicle from me after I had already paid approximately {$5000.00} out of pocket to repair the mechanical damage and had begun working on the body repairs. Freeway Funding told me the vehicle would be sold, and that the sale amount would be applied to the loan balance, with me responsible only for any remaining difference. This never happened. To this day : The vehicle was never sold. The vehicle remains in my name with the XXXX. I continue to receive registration renewal notices for a vehicle I do not possess. Freeway Funding continues to report the account as an active, delinquent debt, and the account appears to be updated repeatedly as if it were a new negative entry, causing ongoing credit damage. Because of this inaccurate reporting, I have been unable to obtain a new vehicle for nearly XXXX to XXXX years. Based on the facts, Freeway Fundings conduct appears to involve possible violations of federal consumer protection laws, including : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 1681s2 ( a ) Furnishing inaccurate or incomplete information 1681s2 ( b ) Failure to investigate disputes 1681e ( b ) Failure to maintain reasonable procedures for accuracy 1681i Failure to correct or delete inaccurate information Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 et seq. ( If Freeway Funding or any third party acted as a collector ) 1692e False, deceptive, or misleading representations 1692f Unfair or unconscionable collection practices 18 U.S.C. 1001 False Statements Providing or reporting information that is knowingly false or misleading to any agency or institution involved in credit reporting. Collateral and Repossession Standards ( UCC Article 9 General Principles ) Failure to properly dispose of collateral Failure to apply sale proceeds ( no sale occurred ) Retaining the vehicle in my name despite taking possession

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 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CO

Complaint narrative:
I deposited for paint job {$740.00} paint company found they could not do the job they refunded the deposit XX/XX/XXXX I also disputed the transaction following proper protocol and proper documentation including the verified email that the paint company had returned the funds. Two weeks later I'm over drawn. I can't buy groceries. I submitted again. Nothing. No one over the phone would help nor would anyone at the physical branch. I missed out on food, products I needed for other projects and jobs. I can't do those now. I lost money not only because navy federal credit union stole it, but not I'm months behind. Please shutter this XXXX pos " business ''. there is XXXX oversight.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am a potential successor in interest to a deceased borrower and have provided the loan servicer with documentation supporting my interest in the property, including a certified death certificate and a filed petition for determination of succession to real property. Despite providing this documentation, the servicer has failed to properly evaluate my status and has instead classified me as an unauthorized third party, refusing to provide even basic loan information such as a reinstatement quote. The property is currently in foreclosure, and I am actively attempting to cure the default. However, the servicers refusal to provide reinstatement information is preventing me from doing so. Under federal mortgage servicing rules, a servicer is required to respond to Requests for Information and to evaluate and communicate with a potential successor in interest upon receipt of reasonable documentation. The servicer must identify any additional documents needed and can not simply deny access without review. I have submitted multiple requests for a reinstatement quote and account information and have also submitted a formal Request for Information and Notice of Error. The servicer has failed to provide the requested information or meaningfully respond. This conduct is causing imminent harm due to the pending foreclosure sale and is preventing me from exercising my rights to protect the property. I am requesting that the servicer : Properly evaluate my status as a successor in interest Clearly identify any additional documentation required Provide a reinstatement quote and loan information immediately Pause foreclosure activity to allow a reasonable opportunity to cure the default

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Every time I try to open an account with a major bank I am unable to open one. One bank told me it was because I was in the chex system so they couldn't open 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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
This debt collector has engaged in unjustifiable practices that are prohibited under the FDCPA. They furnished this account without any agreement on my part, and I did not sign or authorize any contract. A legally binding contract requires the consent and signature of both parties, and I did not participate in or agree to any such obligation. Furthermore, they failed to follow the proper validation procedures required by law. As a result of these violations, my rights have been clearly disregarded and abused. Under the FDCPA, I am entitled to compensation for these violations, and I am formally demanding that this account be removed immediately. Additionally, this situation has caused me significant emotional and mental distress, as it has negatively impacted my financial well-being and peace of mind. The stress and anxiety resulting from this matter are unacceptable, and I expect a prompt and thorough resolution. This issue must be addressed and corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: CITIBANK, N.A.
State: IL

Complaint narrative:
In early XX/XX/year>, I booked a flight through XXXX for approximately {$250.00}. The booking contained an incorrect travel date, which I noticed immediately after completing the transaction. Within approximately XXXX minutes of booking, I contacted XXXX via chat and phone to request a correction or cancellation. I was initially told that no changes or refunds could be processed until the flight was confirmed. Approximately XXXX hour later, once the booking was confirmed, I contacted XXXX again. At that point, I was informed that the booking could no longer be refunded. I was offered only a partial airline credit with a significant fee deduction ( approximately XXXX euros ), which I did not accept. I was then instructed by XXXX to contact the airline directly in order to request a refund to my original form of payment. I attempted to follow these instructions, but I was unable to obtain assistance from the airline. I was routed through automated systems and could not reach a representative who could process a refund. The airline systems also indicated that bookings made through third parties must be handled through the agency. I attempted to continue working through XXXX, but I was unable to obtain further assistance. Communications were limited, and in some cases responses were sent from no-reply channels that did not allow follow-up. As a result, I was unable to access any functional process to obtain either a refund or a credit. Because the booking could not be corrected or cancelled, I was forced to purchase a separate ticket for the correct travel date. I then filed a dispute with Citibank, explaining that the issue was reported immediately and that the service was never used. Initially, a temporary credit was issued. However, after the merchant responded, Citibank reversed the credit. I contacted Citibank again to reopen the dispute and provided additional documentation, including evidence that I attempted to resolve the issue immediately and that I purchased a replacement flight. Despite this, I received a final notice stating that no credit could be issued because the timeframe had passed. At this point, I have received no service, no refund, and no credit from either the merchant or the airline, yet I am still being required to pay {$250.00}. I am requesting that Citibank reconsider this dispute, as this charge represents a service that was never received and for which no remedy was provided, despite my immediate and repeated attempts to resolve the issue.

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 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you claim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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