vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
Subject : Unable to Access Account Due to XXXX Lock, Account Restriction, and No Remote Recovery Option Complaint : On XX/XX/year>, I attempted to access my account with TD Bank but was unable to do so because the required two-step verification code is sent to a phone number that is no longer active and no longer accessible to me. I contacted customer service at ( XXXX ) and also spoke with a local branch representative ( Assistant Manager XXXX, XXXX ). I was informed that the only available resolution is to appear in person at a branch. The nearest branch is approximately XXXX miles from my residence, and I do not have access to transportation to travel that distance. I previously experienced a similar issue approximately XXXX months ago and was able to verify my identity and regain access remotely. However, I am now being told that those options are no longer available. Additionally, I was informed by customer service that my account is currently restricted, which prevents representatives from accessing it to update my phone number or assist with account recovery. I was told that in order for them to access my account, a verification code must be sent to the phone number on file. However, that phone number is no longer active or accessible to me. This creates a circular issue where I can not receive the verification code required for them to access my account, and they can not access my account to update the phone number or restore access. As a result, I am effectively locked out of my account with no available remote recovery option. At this time, I am unable to access or manage my funds or any financial products linked to this account. I am requesting that TD Bank provide a reasonable and secure remote method to verify my identity and restore access to my account. Specifically, I am requesting that TD Bank : Temporarily lift or modify the account restriction for the purpose of identity verification ; Allow me to complete identity verification through an alternative method such as a mailed verification code, secure document submission, or other non-phone verification process ; Reset or remove the two-step verification tied to my inactive phone number ; Update my contact information so I can add a valid phone number and regain full access to my account. Many financial institutions provide alternative verification methods, such as email or mailed verification codes, when customers lose access to their registered phone number. I respectfully request assistance in resolving this matter so I can regain access to my account without requiring in-person travel that is not feasible for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 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: NV

Complaint narrative:
I am filing a complaint regarding PayPals continued hold on my funds, shifting account resolution requirements, and possible misattribution of another persons account issues to me. PayPal placed a hold on {$980.00} in my account. On XX/XX/2026, I made XXXX payments through PayPal totaling {$370.00}, specifically {$250.00} and {$120.00}, because I was given the impression that these payments were necessary or would help resolve the issue and restore access to my funds. I made those payments in good faith and in reliance on PayPals representation that doing so would help unlock my account and release my money. After I made those payments, PayPal imposed additional requirements, including requests for proof of address and bank statements, and still did not release my funds. I am now also being asked to resolve issues under my exs name or business account, even though I am not associated with that account and should not be held responsible for any debts, verification issues, or limitations related to another person. My concerns are : I paid {$370.00} on XX/XX/2026 in reliance on PayPals representation that this would help restore access to my funds. After payment, the requirements changed and additional conditions were imposed. My {$980.00} remains inaccessible. PayPal appears to be attempting to connect me to another persons account or obligations without justification. This has caused me financial hardship because I made those payments believing they were required to regain access to my own money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XXXX, I sent {$1000.00} through Cash App to purchase a saddle from an online seller. After payment was sent, the seller provided shipment details through what appeared to be a shipping company. After the initial payment, I was told I needed to send an additional {$300.00} for refundable shipping insurance, which I paid based on representations that it was required for delivery and would be refunded. After that payment, I was then asked to send an additional {$500.00} for stamp fees. At that point, it became clear this was likely a fraudulent transaction and part of an advance-fee scam. I did not send the additional {$500.00}. I immediately disputed the original transaction ( s ) with my bank/Cash App and provided screenshots of the seller communications, shipping messages, payment records, and the escalating fee requests that clearly show deceptive conduct. My dispute was denied despite the clear evidence that this transaction involved fraud, misrepresentation, and repeated post-payment demands unrelated to the original agreed purchase. This was not a legitimate goods transaction. The seller never delivered the saddle, and the repeated requests for additional fees are consistent with online marketplace fraud. I am requesting review of how this dispute was investigated and why the fraudulent nature of the transaction was not properly considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX [ XXXX ] FAIR COLLECTIONS & OUTSOURCING , INC . XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Notice of Dispute, Demand for Validation, and Method of Verification Request To Whom It May Concern : This is a formal dispute of the above-referenced account. I am invoking my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ). The account you are reporting is inaccurate, incomplete, and misleading. Specifically : - The account reflects no meaningful status change since XXXX, yet continues to be actively updated, creating a false impression of ongoing activity - The payment history contains gaps and no data entries, rendering the reporting incomplete - The account is being reported in a manner that is internally inconsistent and incapable of verification Additionally, your collection practices and communicationsspecifically language implying potential legal action where such action may not be legally permissibleraise serious concerns regarding the reliability of any information you are furnishing. -- - DEBT VALIDATION DEMAND Pursuant to 15 U.S.C. 1692g, I demand full validation of this alleged debt. Provide : 1. The original creditor and complete account history 2. The amount of the alleged debt with a full itemization 3. Documentation showing I am legally obligated for this debt 4. Proof of your authority to collect and report this debt 5. The date of first delinquency 6. A complete payment history Until such validation is provided, you must cease all collection activity, including credit reporting. -- - METHOD OF VERIFICATION REQUEST Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) - ( 7 ), provide a detailed description of the method of verification used to report and/or verify this account with any consumer reporting agency, including : - The identity of any entity contacted- The procedure used to verify the accuracy - All documentation relied upon -- - NOTICE OF LIABILITY Be advised : - Reporting information that is incomplete or misleading violates 15 U.S.C. 1681e ( b ) - Verifying information that contains internal inconsistencies constitutes an unreasonable reinvestigation under 1681i - Use of deceptive or misleading representations violates 15 U.S.C. 1692e If you are unable to produce complete, consistent, and verifiable documentation, you must immediately : - Delete this account from all consumer reporting agencies - Cease all collection activity Failure to comply will be documented as willful noncompliance and may result in formal complaints and litigation. All future communications must be in writing. Sincerely, XXXX XXXX

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 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
My mortgage is serviced by Select Portfolio Servicing ( SPS ). SPS is reporting that I have not made a mortgage payment since XX/XX/XXXX and that I am about XXXX months delinquent, and they claim my payments were returned. My bank statements from XX/XX/XXXX through XX/XX/XXXX show that each monthly mortgage payment to SPS cleared and was not returned. SPS also tried to place me into a XXXX loan modification I repeatedly declined and is threatening foreclosure based on these false delinquency and modification records. I have sent SPS a written Notice of Error and Request for Information with copies of my bank statements and SPS letters, but I need the CFPBs help to make SPS correct my payment history, stop treating me as if I am in a modification I did not accept, and stop threatening foreclosure activity based on these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I noticed a {$1200.00} dollar charge on my Sofi account, authorized on XX/XX/XXXX and charged on XX/XX/XXXX. I believe this to be a fraud/scam charge trying to impersonate an official XXXX XXXX charge I did XXXX days earlier, on XX/XX/XXXX, due to the merchant name only being " American '' and the Terminal ID, XXXX, being a known fraud/scam ID. I contacted support/security and explained the situation, despite me even giving them the Terminal ID they seemed to confuse the fraudulent charge with the official XXXX and told me that only after the charge processes I can dispute it. This is a bad situation as the official XXXX XXXX charge is the XXXX stuck in processing, this puts me in $ XXXX dollars of debt until the charge is either accepted or denied, the date of which is unknown and support did not give me one, leading me to be unsure and feeling unsafe in my current financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit & Collection, Inc.
State: TX

Complaint narrative:
Subject : Formal Complaint Failure to Validate Debt ( FDCPA Violation ) I am submitting this complaint regarding a debt collection account being reported and/or collected without proper validation, in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I am disputing the validity of the above-referenced debt. I previously requested validation of this debt, and the company has failed to provide sufficient documentation as required under federal law. Under 15 U.S.C. 1692g, I am entitled to proper validation of the alleged debt, including : - The original creditors name and address - A full accounting of the alleged debt - Documentation bearing my signature showing I agreed to this debt - Proof that the collection agency is legally authorized to collect in my state To date, the company has either : - Failed to respond, OR - Provided insufficient or incomplete documentation Despite this, they continue to : - Report this account to consumer reporting agencies- Attempt to collect on the alleged debt This behavior constitutes a violation of the FDCPA and may also violate the Fair Credit Reporting Act ( FCRA ). Requested Resolution : I am requesting the following actions : 1. Immediate cessation of collection efforts until proper validation is provided 2. Removal of this account from all credit reporting agencies if validation can not be provided 3. Written confirmation of the actions taken to resolve this complaint If the company can not provide proper validation, they must cease all collection activities and delete this account. I expect a timely response and resolution in accordance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am submitting this complaint regarding Bank of Americas handling of a disputed credit card charge in the amount of {$5200.00} related to XXXX XXXX XXXX. We disputed this charge with Bank of America after discovering that the service was materially misrepresented at the time of sale. During the sales presentation, the representative explicitly told me and my husband that the membership would provide access to XXXX and XXXX hotels worldwide, without exception, in a simple and straightforward manner, with the ability to book stays of up to XXXX nights for a fixed price of {$290.00}. This was a key and essential factor in our decision to proceed with the purchase. There were multiple additional inaccuracies presented during the sales process ; however, the most material and decisive representation for us was the ability to access XXXX and XXXX properties globally under these conditions. After the transaction, we attempted multiple times to use the service and to obtain clarification from the company. It became clear that : Access to hotels is extremely limited Availability can not be verified The company can not clearly define what inventory is included The service does not match what was described at the time of sale Additionally, we learned that hotel bookings are actually made through XXXX, a third-party platform, and not directly through Legendary. XXXX informed us that not all XXXX and XXXX properties are included, which directly contradicts the representation that access would be available worldwide without limitation. At the same time, XXXX has been unable to clearly explain or verify what inventory is available, despite being the contracting party. XXXX XXXX XXXX also confirmed by phone that they do not have clear visibility into which hotels are included, and that only the written contract applies, while any verbal representations made during the sale are not considered. This directly contradicts the representations made during the sales process. We made good faith efforts to resolve this matter directly with the merchant, but no resolution was provided. Bank of America denied our dispute on the basis that the merchant was willing and able to provide the service. This conclusion fails to address the core issue that the transaction was induced by misleading and inaccurate representations. We respectfully request that this claim be reopened and properly evaluated under misrepresentation and deceptive sales practices. We are seeking a full refund of the disputed charge.

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 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commercial Trade, Inc.
State: CA

Complaint narrative:
Complaint : I am filing a formal complaint regarding inaccurate and unverified reporting on my credit file. The account listed as Commercial Trade Inc with a balance of {$1400.00} is being reported without proper verification and violates : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct proper reinvestigation Additionally, if this account resulted from identity theft, it must be blocked under 15 U.S.C. 1681c-2. I have disputed this account directly with the credit bureaus, yet it continues to be reported without sufficient documentation. Resolution Requested : Immediate deletion of this account Written confirmation of removal Full documentation supporting verification if not deleted Failure to comply will result in escalation including legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
On XX/XX/year>, I was contacted by a debt collector regarding a {$640.00} balance. During this call, I made a payment of {$110.00} and set up automatic payments of {$100.00}. I requested written confirmation of this payment and arrangement but was told that no confirmation would be provided and that my bank statement would serve as confirmation. Shortly after, my partner, who is associated with the same account, called to confirm payment details. He was met with extremely rude and unprofessional behavior, including being hung up on multiple times. Later that same day, I called to cancel the automatic payment arrangement due to these concerns. During this call, I was again treated in a rude and dismissive manner. While explaining that my partner had called to confirm the payment and intended to resolve the balance, the representative stated that he had that he had two other accounts that he hasnt paid off and wasnt going to pay this one either, and then disconnected the call despite those accounts not involving me. This information was disclosed to me without authorization. I am filing this complaint due to : Disclosure of another individuals debt information Repeated unprofessional and abusive conduct Refusal to provide written confirmation of payments I have revoked authorization for automatic payments and am requesting that all future communication be conducted in writing only

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: LA

Complaint narrative:
This company in whom I have never done business with has obtained my personal information in order to sell personal private information. This is identity theft without prior consent of the consumer I have disputed this account and have not received any information that has verified accuracy. The reporting status violates the right to collect on a promissory note that is proven a debt is owed. Under 18 USC 8 Obligation or other security of the United States that is owed by my social security identification number. This company has been using my social security number to collect on this debt twice, the balancing of the books on both private and public side has never been provided and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act,. I have not received the full accounting on this account which is unfair practices 15 USC 1692f. Please delete this account from your records.

Company response to consumer: Closed with explanation