vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to LVNV Funding LLC under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to LVNV Funding LLC, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
My loan servicer, Aidvantage, has admitted it can not verify key elements of my student loan account, including payment history prior to XXXX, original loan balances, and documentation of prior servicer transfers. My loans have been transferred across multiple servicers, including XXXX, XXXX XXXX, and XXXX XXXX XXXX, and no complete life-of-loan record has been provided. Although a XXXX Direct Consolidation Loan was provided, no documentation has been produced verifying the payoff amounts, payment histories, or accuracy of the underlying balances used to create that consolidation loan. A XXXX Master Promissory Note was also provided, but it contains no loan amounts, no disbursement records, and no verifiable signature or XXXX XXXX. As a result, the current balance can not be independently verified. I am requesting a full account reconstruction, including complete payment history, disbursement records, transfer documentation, and verification of all balances used in the consolidation loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am filing a complaint against Navy Federal Credit Union for refusing to properly process a debit card dispute for items paid for but never received. Phone representatives are attempting to evade consumer protections by claiming the case falls under 'Non-Regulation E '. However, under Navy Federal 's contractually binding XXXX XXXX Liability Policy and Visa network rules, I am fully protected against non-delivery of goods. Navy Federal is weaponizing technical definitions to deny me a temporary provisional credit while keeping my funds tied up for 90 days. I demand Navy Federal honor their cardholder agreement and credit my account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Atlantic Recovery Solutions LLC
State: TX

Complaint narrative:
Over the past several months, a debt collection company has repeatedly contacted not only me, but also my family members and my workplace. The company called my cousin, my sisters boyfriend, and my employer while attempting to reach me. I have screenshots and records documenting these calls. I recently spoke with the company after receiving repeated calls. I was told they were attempting to collect a debt related to a furniture account. I do not recognize this account and do not recall opening it or authorizing it. The company claimed that identification was uploaded when the account was opened, but I do not remember creating this account or providing identification for it. During my conversation with the company, I requested information identifying the original creditor and documentation showing that the account belongs to me. I have not been provided with documentation sufficient to verify that this debt is mine. I am concerned about the companys repeated contacts with third parties, including my employer and family members, despite having my direct contact information. I am requesting an investigation into the debt, validation of the account, and a review of the companys collection practices. I have supporting documentation, including screenshots and call records, showing repeated contacts over a period of months.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint regarding PayPal 's handling of an accidental payment and subsequent dispute. On XX/XX/year>, I accidentally sent {$620.00} through PayPal using the Friends and Family option to the wrong recipient. The payment was not intended for that individual, and the recipient is a complete stranger to me. This was a genuine mistake and not a gift, loan, or payment to someone I know. As soon as I realized the error, I contacted the recipient via email and requested a refund. I also contacted PayPal the same day to report the mistake and request assistance. Despite my prompt efforts, the recipient has not responded to my refund request or returned the funds. PayPal informed me that they also contacted the recipient regarding a refund. However, because the recipient did not voluntarily return the money, PayPal denied my dispute, stating that since the payment was sent through Friends and Family and was authorized by me, they could not provide any further assistance. My concern is that PayPal 's review process appears to focus solely on whether I authorized the transaction, rather than whether the payment was intended for the recipient. While I acknowledge that I initiated the payment, it was sent to the wrong person by mistake. The recipient is not a friend or family member, and there appears to be no meaningful process to address accidental transfers to strangers. As a consumer, I believe there should be protections or a more thorough review process when a substantial amount of money is mistakenly sent to an unintended recipient. I am requesting that PayPal : 1. Reopen and review my case. 2. Investigate the accidental transfer more thoroughly. 3. Explain what evidence was considered in denying my claim. 4. Explain why an accidental transfer to a stranger is treated the same as an intentional transfer to a known recipient. 5. Consider reimbursement or other appropriate relief given the circumstances. I have retained records of the transaction, my communications with PayPal, PayPal 's denial of my dispute, and my attempts to obtain a refund from the recipient. Thank you for your review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I had disputed the XXXX XXXX XXXX on my account. And without investigation they sent it back said it was updated to stay on my credit. This debt was not mine I have never lived even close to the address of this account. Do now that collection and address are on my credit report. Being it was open fraudulently you would think they would of investigated it being I said it was not mine. I got XXXX XXXX XXXX to send me a fraud document to fill out. But I don't understand why I would have to carry this on my report when it is not mine. They need to remove this from my report and do a thorough investigation against 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 2026-06-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: TX

Complaint narrative:
I did not authorize these Charges. I did not authorize for this Negative Equity to Affect my Credit. I did not authorize this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
My long-standing PayPal account was permanently limited after I updated my business information. The account had been used in good faith for approximately 15 years and also has an associated PayPal line of credit, which is now unusable because of the limitation. The issue appears to have started after I updated the company name and related website on the PayPal account. The business name was previously XXXX XXXX, and I updated it to XXXX XXXX. I own and operate the website connected to XXXX XXXX. The activity associated with the account is hobby / small-scale project income. After the update, PayPal requested documentation. I submitted the requested documents, but my appeal was denied without a specific reason. PayPal did not explain what documentation was insufficient, what policy issue existed, or what verification issue caused the limitation. PayPal customer service later stated that the account was permanently limited due to potential risks associated with it, but also stated they could not share the specific details that led to the decision. PayPal also stated that the balance would be held for 90 days due to potential chargeback or funds reversal risk. This does not explain why a business name and website update resulted in a permanent limitation, nor does it explain how the limitation affects the associated PayPal line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Upon opening the online wire transfer in order to send my payroll and other business money to my business account in XXXX XXXX, all XXXX of my XXXX recipients were flagged. Additional information was needed. I completed the info for my business account and sent a wire, for {$13000.00} on XXXX XXXXThe wire was not received. I asked for a recall, assuming the at the info may have been incorrect and sent a second wire on XX/XX/XXXX after verifying the wire info with my bank in XXXX. confirmation number XXXX. Also not received. Calls to Wells Fargo and was sent to my local branch to work with a banker, XXXX XXXX who determined there was an issue with XXXX, the intermediary bank for the wires. He personally filled out their XXXX XXXX Report with my answers. To date there has been no response and no return or forwarding of the funds. This lack of transparency is severely damaging my business operations.

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 2026-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In approximately XX/XX/XXXX, I visited Macys XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX, California to purchase a birthday gift for my father. At the time, I already had an existing Macys credit account that I actively used and paid. During checkout, a store employee told me that I needed to verify or update my information, including my income and Social Security number, in order to receive a discount. I initially declined, but the employee insisted that the information was needed to confirm or update my existing Macys account. Based on those representations, I believed I was updating information for my current account and was not applying for a new credit card. At no time did I knowingly request, authorize, or intend to open a separate Macys XXXX XXXX credit card account. Had I understood that a new credit account was being opened, I would not have agreed. After the transaction, I continued making payments on the Macys account I knew about and believed everything was in good standing. The Macys XXXX XXXX account was not visible in the account I regularly accessed, and I was unaware that a separate account existed that required separate payments. In XX/XX/XXXX, I discovered that a Macys XXXX XXXX account had been opened and that it had accumulated late payments and negative credit reporting. As a result, my credit score has been significantly damaged. The account currently reports serious delinquencies despite the fact that I was unaware the account existed. Since discovering this issue, I have contacted Macys XXXX XXXX and XXXX XXXX XXXX XXXX by telephone and have repeatedly disputed the account. I also mailed a formal written dispute by XXXX Mail on XX/XX/XXXX, requesting an investigation, correction of the account, and removal of the negative reporting. Despite these efforts, the account remains on my credit reports and continues to negatively affect my credit history and score. I am requesting a full investigation into the circumstances under which this account was opened, including review of all application records, disclosures, electronic signatures, and store records. I am also requesting correction or removal of the negative credit reporting, including the reported late payments. I did not knowingly authorize the opening of this account.This is a breach of power and fraud.

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 2026-06-08 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: Chime Financial Inc
State: AR

Complaint narrative:
I got scammed from a article on XXXX. It appeared to be from XXXX. i Used my chime card for this and then I found out it was a scam. It was a 3 wheel electric scooter for a limited tome offer for $ XXXX.I recieved a email once from XXXX which show a tracking number that no longer exists. The order num. XXXX. I just want my money back {$44.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: MI

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP 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 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I am filing a formal complaint against JPMorgan Chase regarding a {$3000.00} Chase XXXX XXXX Checking account promotional bonus that has been delayed for nearly three months due to systemic inefficiencies and a complete lack of a clear timeline. Since XX/XX/XXXX, I had already maintained a balance of over {$500000.00} in my Chase accounts. In XX/XX/XXXX, I visited the XXXX, MD branch ( XXXX XXXX XXXX ) and met with Private Banker, XXXX XXXX to apply a promotional offer code. Based on my existing $ XXXX balance, he officially assured me that the maintenance requirements would be fully met by XX/XX/XXXX ( the maturity date ), and that the {$3000.00} bonus would be paid. However, the payout has been delayed through a flawed internal process : XX/XX/XXXX : The initial promised date passed without the bonus. Since XXXX, I have sent nearly 10 follow-up emails/calls and made numerous inquiries. Each time, the branch could only state they were waiting for " Marketing Director 's approval, '' offering no specific timeline or updates. XX/XX/XXXX : To resolve this, I attended an in-person meeting at the branch where the Branch Manager, XXXX XXXX also attended. At the meeting, XXXX mentioned that XX/XX/XXXX instead of XX/XX/XXXX was the " true '' maturity date and promised the bonus would be released soon. XXXX told me that the bonus would guaranteed be released within 30 days. Present ( XX/XX/XXXX ) : It has now been over a month since that manager meeting, and nearly three months of constant chasing since XXXX. The bonus is still missing. When I recently emailed requesting a formal escalation to a higher department to understand the delay, the only response provided was a single, vague sentence : " We are processing. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Advance America, Cash Advance Centers, Inc.
State: LA

Complaint narrative:
I took out a loan XX/XX/XXXX, XXXX for {$700.00} with an interest of {$120.00} total payment of {$820.00} per month. I was unable to pay the whole amount because of my account been scam and wasnt allowed to due partial payment because the account dont allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
While living at XXXX XXXX XXXXXXXX, I returned my key fob to the leasing office front desk before moving out. The staff member ( XXXX XXXX XXXXXXXX XXXX XXXX ) confirmed receipt and told me the related charge would be removed. It was not removed and was instead sent to National Credit Systems as a {$340.00} collection. I contacted both XXXX XXXX XXXXXXXX ( at XXXX XXXX XXXX XXXX ) and National Credit Systems multiple times to explain I had returned the fob and did not owe this debt. National Credit Systems refused to investigate or correct it, and on one call the representative raised her voice and was hostile. To stop further damage to my credit, I paid the account. I then disputed it with XXXX ; the dispute was processed in XX/XX/year>, but the collection was only marked disputed and paid for less than full balance it was not removed, even though the charge was for an item I returned. I did not ever owed this debt, and it continues to harm my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
We returned items purchased on XX/XX/XXXX back to the vendor on XX/XX/XXXX for the amount of {$410.00} or {$7100.00} XXXX. The vendor instructed us that he could not do the refund since it's not showing clear on our side so to submit a return paperwork showing that items were returned to the bank ( Cash App ) and they will refund the money. I did the dispute and was denied, I submitted again with the required information and was denied again. At this point I called the customer service and was instructed that since the dispute team denied my request for refund there's nothing else that could be done. I requested a reasoning on why the dispute was denied and when I received it it was due to " the transaction being cancelled and no funds withdraw '' However they could see that the amount posted on my account on XX/XX/XXXX and the money was taken. I'm not sure as to why the bank that has access to my transactions couldn't see that transaction clearing on my side. Also I could not submit a dispute had the transaction not cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
" I am filing a complaint against Bank of America for failing to open an error resolution investigation for an international remittance transfer, violating my consumer rights under Federal Regulation E. On XX/XX/year>, I completed an instant payment request ( Reference ID : XXXX ) through a registered money transmitter app, XXXX ( XXXX XXXX ). The merchant contractually promised delivery to XXXX by XX/XX/XXXX but has completely failed to deliver. The merchant 's mobile application features have collapsed, and they have explicitly stated via email they can not cancel the transfer. Bank of America is refusing to allow me to dispute this transaction on their online portal, claiming instant payments are ineligible for dispute. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions must investigate reported remittance delivery errors regardless of the underlying payment mechanism. I request that Bank of America open a formal investigation and credit my funds

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 2026-06-08 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: FL

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