vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had separate accounts with BMO. I made a {$4200.00} cash deposit at the atm in branch. I then had my account locked and closed because of the negative balance that was separate from my cash deposit. They forced me to settle the balance to pay the bank but still has verified cash on hold even after forcing me to settle the debt in the bank. That money has nothing to do with the negative balance and they say thats the reason they have held my money for XXXX after closing my account XX/XX/XXXX. I NEVER deposited any checks into my account, only cash was put into the account. Now I have multiple bills due and they are trying to force me to wait XXXX while they investigate cash deposits. I want BMO audited and for the fraud escalation team to release my money. This is extremely unprofessional because Im losing money just because BMO wants to force me to close my account and settle out the negative balance earlier than I intended to.

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 2026-05-25 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: AZ

Complaint narrative:
This complaint concerns the digital payment company, PayPal.com. On XX/XX/XXXX PayPal sent me an email saying that a {$3000.00} transfer from my checking account had been refused by my credit union ( XXXX XXXX XXXX ). I did not see this email until XX/XX/XXXX. I knew this transfer request was fraudulent, because I had not requested any {$3000.00} transfer. Immediately I checked my PayPal account and found that someone had gained unauthorized access to my PayPal account, and two fraudulent ACH transfers had been requested for a person identified as XXXX XXXX in the amounts of {$3000.00} and {$2500.00}. I do not know anyone named XXXX XXXX, and I did not request or authorize these transfers. My credit union declined both of these requests, because the checking account they attempted to use had been closed in XXXX, XXXX. But, despite my credit union 's declination and without my authorization, PayPal paid the {$3000.00} transfer and created a debit of {$3000.00} in my PayPal account. Immediately, on XX/XX/XXXX, I filed an unauthorized transaction claim with PayPal and I told them about both the fraudulent ACH transfer attempts. Within 20 minutes I received a response from PayPal saying that my claim had been rejected, because they had determined that the transactions had been authorized. I do not know how they came to this determination, because I had authorized neither the access to my PayPal account nor these requests for transfers. On XX/XX/XXXX I filed an IC3 Complaint with the FBI about this incident, also. Two days later, I received another email from PayPal saying that a {$2500.00} transfer from my checking account had been refused by my credit union. This was two days after I had filed the unauthorized transaction claim that told PayPal that this XXXX transfer was fraudulent. Again, my credit union declined this request, because the checking account they attempted to use had been closed in XXXX, XXXX. But, despite my credit union 's declination and without my authorization, PayPal paid this {$2500.00} transfer and created an additional debit of {$2500.00} in my PayPal account. Now my PayPal account has a {$5500.00} debit. Later, on XX/XX/XXXX, I learned from my XXXX credit card company ( XXXX ) that someone had requested transfers of funds from my credit card in the amounts of {$3000.00} and {$2500.00}. I do not know if the fraudster made these requests when they had the unauthorized access to my PayPal account, or if PayPal made these requests to pay off the {$5500.00} debit in my PayPal account. XXXX declined to honor these requests, because XXXX deemed them to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
XX/XX/year> I was arrested my mom and wife was mislead into believing that this guy XXXX was a bail bondsman and was going to bail me out they sent him {$250.00} and is harassing them for more money and never bailed me out and he wont return the money and Cash App wont return the money even with the evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was the victim of a scam involving a {$2000.00} XXXX transfer XX/XX/XXXX, Although the transaction may appear authorized, I sent the funds after being deceived. I filed a fraud claim with Bank of America, but the claim was denied. I believe the investigation was insufficient and I am requesting a further review of the handling of my fraud claim and the recovery efforts. He also change his number of his bank his bank is XXXX XXXX I have proof, that he deleted his old number and make a new one, and i got a chat with one of his freind saying that he scam me but its in 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 2026-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2026-05-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I formally dispute, challenge, and demand validation and reinvestigation of the following negative accounts and derogatory reporting : Account info Account nameDISCOVERC Account numberXXXX Original creditor- Company sold- Account typeCredit card Date openedNov XXXX, XXXX Open/closedClosed StatusAccount charged off. {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. Status updatedXXXX XXXX Balance {$10000.00} Balance updatedXXXX XXXX, XXXX Credit limit {$10000.00} Monthly payment- Past due amount {$10000.00} Highest balance {$11000.00} Terms- ResponsibilityIndividual Your statement-

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: RI

Complaint narrative:
We installed solar panels on XXXX XXXX XXXX XXXX RI, with XXXX XXXX XXXXXXXX in XXXX through Good Leap. To date, we have made monthly payments without receiving a single XXXX of energy from the panels. Supposedly, the system is poorly designed and doesn't produce enough energy to power our house or sell to XXXX XXXX. We have paid $ XXXX monthly for XXXX years, and the debt remains exactly the same : {$16000.00}. It never decreases. The biggest problem arose XXXX months ago when the panels stopped working and disconnected. We tried to contact them multiple times, and it turns out that White Label Solar no longer exists ; they went bankrupt. But we are still indebted to Good Leap, who continues to charge the monthly payment even though the panels aren't working. Please help us ; we are legally trapped in a deceptive and fraudulent contract, and we have been robbed. We urgently need help. Please, someone has to stop these companies that go door-to-door selling solar panels and then disappear. Appreciate it your help in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BTH Management
State: MA

Complaint narrative:
I have never received anything debt validation from Plaza Services LLC. I recently requested validation and have heard nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NC

Complaint narrative:
This is not my debt they put this on credit report unauthorized

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Esusu, Inc.
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section XXXX Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section XXXX Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section XXXX Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. -- - Section XXXX Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To Whom It May Concern, This letter serves as a formal dispute of the above-referenced account and a demand for proper validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), and the Tennessee Consumer Protection Act ( TCPA ). I previously disputed this account ; however, NATIONAL CREDIT ADJUSTMENT has failed to provide sufficient documentation to validate this alleged debt while continuing to report it on my consumer credit report. As a debt buyer, NATIONAL CREDIT ADJUSTMENT must provide competent evidence of the alleged obligation. To date, the company has failed to provide such evidence, and continued reporting of this account raises serious concerns regarding compliance with federal and state law. Specifically, the company has failed to : Provide a copy of the original signed contract or agreement bearing my signature Provide complete account statements from the original creditor Provide a valid chain of assignment proving ownership of this debt Provide documentation showing the date of first delinquency Provide a full and accurate accounting of the balance being reported Provide proof of legal authority to collect this debt Under 15 U.S.C. 1692g ( b ), you are required to cease collection activities until proper validation is provided. Additionally, under the FCRA, you are prohibited from reporting information that is not fully verified and accurate. NATIONAL CREDIT ADJUSTMENT has failed to properly validate this account and is therefore reporting unverified and potentially inaccurate information. Because of this failure, I am demanding the following : 1. Immediate deletion of this account from all consumer reporting agencies 2. Written confirmation of deletion. 3. Cessation of all collection activity related to this account Until proper validation is provided, you must : Cease all collection efforts Refrain from verifying or re-reporting this account Avoid any misleading representation regarding this alleged debt I do not consent to telephone communication. All communication must be in writing. This complaint is being documented and may be submitted to the Consumer Financial Protection Bureau, the Federal Trade Commission, and other regulatory agencies for further review if this matter is not resolved promptly. Failure to comply may constitute violations of federal and state law. I expect an immediate resolution to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
Mohelo stated to cfpb that they would refund my overpayment within XXXX days. To this date no refund has been received. They have also turned my account over to XXXX XXXX XXXX for collection. I am frustrated with cfpb and Mohelo. Cfpb has been no help. Mohelo is a company that is involved in a number of class action lawsuits. Now I have to figure out how to work with XXXX XXXX XXXX. So who will you contact???

Company response to consumer: Untimely response
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Formal Dispute regarding CareCredit payment Allocation Practices, which has caused many thousands of dollars in interest fees, as well as Credit damages. I am writing to formally dispute the handling of my Care Credit account by Synchrony Bank. The bank improperly applied my payments in a way that caused unnecessary interest charges, balance increases and significant damages to my credit profile. I repeatedly contacted Care Credit and specifically requested that my payments be allocated toward promotional balances that were closest to expiration and/or already expired. Despite these requests, Synchrony instead applied substantial portions of my payments toward newer promotional balances. As a result, older deferred interest promotions expired and triggered large retroactive interest charges. This practice caused : * Thousands of dollars in unexpected interest charges. * Increased account balances. * Damage to my credit score and utilization. * Significant financial hardship and emotional distress. When I contacted customer service, I was told this was simply " how they do things '' and that i should have understood the fine print better. However, my allocation instructions were not reasonably honored, and I feel this is a very deceptive practice. I made good faith efforts to pay down balances that were about to, or had already, about to incur deferred interest. I am requesting : XXXX ) A full investigation into the allocation of my payments. XXXX ) reversal or adjustment of unfair deferred - interest charges where appropriate.

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 2026-05-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
Someone apparently acting as some attorney sent and email saying that a warrant was active for search and seizure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section 1 Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section 2 Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section 3 Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section 4 Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

Company response to consumer: Closed with explanation