vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
A XXXX XXXX account # XXXX was opened in my name without my knowledge or authorization. I did not open this account, did not authorize anyone to open it on my behalf, and have never lived at the address associated with the account. I discovered this fraudulent account after reviewing my credit report and finding a XXXX XXXX collection account and an address that does not belong to me. 
I have already filed an official FTC Identity Theft Report documenting that this account is fraudulent. I contacted XXXX to dispute the account as identity theft, and XXXX  instructed me to contact XXXX XXXX directly. I am requesting assistance in resolving this matter and ensuring accurate credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Foris DAX, Inc.
State: FL

Complaint narrative:
I've been trying to log on to my account for about XXXX  months now and haven't had any assistance that didn't lie to my face about recovering my access. I have everything written down and nothing has changed with email addresses, passwords, phone numbers, or my kyc information. 

If I don't see actual help in this matter I will have no choice but to escalate this to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the Consumer Financial Protection Bureau. 

This is been beyond frustrating having supposed Representatives telling me they were going to fix things and then obviously lying and not following up with anything. This needs to start moving in the right direction immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am filing this complaint regarding unauthorized transactions processed through my PayPal account and PayPals refusal to restore the full amount of funds impacted by account compromise. 

On XXXX XXXX XXXX and XX/XX/year>, the following transactions were processed without my authorization : XX/XX/year> {$620.00} ( funded via debit card ) XX/XX/year> {$420.00} ( funded via debit card ) XX/XX/year> {$530.00} ( funded via debit card ) XX/XX/year> {$740.00} ( funded via debit card ) XX/XX/year> {$500.00} ( drafted directly from my bank account ) Total unauthorized amount : {$2800.00} I reported the account compromise immediately upon discovery and contacted PayPal by phone requesting the account be blocked. While I was on the phone with PayPal requesting account protection measures, the XX/XX/XXXX bank draft transaction occurred. This transaction was not authorized and took place after I had notified PayPal of the compromise. 

Following this draft, the funds were applied toward my PayPal credit balance and unauthorized activity attempted to continue using the balance. The payment entered a pending status. 

PayPal has indicated that only XXXX automatically reversed transaction will be refunded and that the remaining unauthorized activity will not be reimbursed. I dispute this determination. These transactions were unauthorized, were reported promptly, and occurred during an active account compromise. 

Requested Resolution : Re-evaluation of PayPals fraud determination Restoration of remaining unauthorized funds Written explanation of denial rationale Confirmation that consumer protections under electronic funds transfer regulations were correctly applied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: TX

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 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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: FL

Complaint narrative:
SUBJECT : Formal complaint. -Collection Account Reporting Without Full Validation | FCRA 611, FDCPA 809 ( b ) To Whom It May Concern I am writing regarding your recent communication about an alleged debt. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.f and continues to report inaccurate or unverifiable information in violation of the FAIR CREDIT REPORTING ACT 611 ( a ) And FCRA 623 ( a ) ( 1 ) ( A ) FDCPA 809 ( b ) I dispute this debt and request that you provide proper validation. Please provide the following : Collection Agency : EdFinancial Service Report Balance : XXXX Credit Bureau reporting : XXXX XXXX Until you provide the requested validation, please cease collection activities and refrain from reporting this debt to any credit reporting agencies. 



This letter is not a refusal to pay, but a notice sent pursuant to federal law that your claim is disputed and validation is requested. 

LEGAL BASIS FOR REMOVAL : Despite my timely and certified request for validation under FDCPA 809 the collector either Failed to provide the CHAiN OF ASSIGNMENT or legal ownership sent only a generic billed statement or screenshot not tied to my identity Could not supply an ORIGINAL SIGN CONTRACT or application showing my agreement to this debt Continue to report the items to the credit bureaus without marking the Acount as DISPUTED violating FCRA 623 ( a ) ( 3 ) Under FCRA 611 ( a ) consumers have the right to request and investigation into disputed items that are incomplete, inacurate, or unverifiable. The lack of legal documentation makes this debt unfit for consumer reporting. Continued publication of this collection is harming creditworthiness and violates my rights RESOLUTION I respectfully request that the CONSUMER FINANCIAL PROTECTION BUREAU open a investigation into this matter and enforce. 

Immediate REMOVAL of this unvalidateible debt from ALL consumer reporting agencies a review of the collectors reporting and compliance procedure. 

A permanent CEASE AND DESIST from further reporting this debt under FDCPA 807 ( 8 ) and FCRA 605B if identified Fraud or reporting Errors are also involved. 

Thank you for your time, oversight, and assistance in protecting consumer rights. 


I prefer to be contacted in writing only. 



Sincerely, Printed Name : ____________________ Address : _________________________ XXXX, XXXX, ZIP : _________________ Date : ____________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Goal Structured Solutions, LLC
State: OH

Complaint narrative:
The solar panels were never installed properly according to the electric company. We can't get a copy of our contract. The panels were never serviced. We never received any tax credit although the company said we would. No reduction in our XXXX  bills. The company that supposedly sold the panels went bankrupt and I have spent countless hours trying to get this straightened out with no resolution. The credit company they hired " XXXX XXXX '' has transfered me to XXXX different people including their maintenance company and no one will give me any answers. Horrible company with XXXX service except trying to make me pay for something that doesn't work

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I dispute any inaccurate or fraudulent information appearing on my consumer credit report. Under the FCRA, consumer reporting agencies and furnishers are required to investigate disputed information and delete or block information resulting from identity theft. 

Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ) and 15 U.S.C. 1681c-2, I request that any information resulting from identity theft be blocked from my credit file and that I not be held liable for fraudulent accounts or transactions.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I completed a lease buyout of my Kia vehicle using XXXX XXXX XXXX XXXX. As part of the buyout process, Kia Finance sent the original vehicle title to XXXX XXXX XXXX XXXX. XXXX XXXX then attempted to mail the title to me, but it was sent to an old address and was never received. The title was not returned to the sender and is now considered lost. 

I have confirmed directly with the Georgia Department of Motor Vehicles that Kia Finance is still listed as both the official owner and lienholder on record for my vehicle. Because of this, Kia Finance is the only party with the legal authority to request a duplicate title and correct the lienholder information with the Georgia DMV. 

I have repeatedly contacted Kia Finance requesting that they submit a duplicate title request and update the ownership and lienholder records, but they have refused or delayed assisting me. As a result, I am unable to properly update my vehicle title, transfer ownership records, or complete the financing process with XXXX XXXX XXXX XXXX. 

This failure to act has left me in a difficult and financially harmful position. Due to these delays and mishandling, I have suffered financial harm, including : An increase in my auto loan interest rate ( approximately 5 % higher ) Additional gas and travel expenses Significant time loss and inconvenience I am requesting that Kia Finance immediately : Submit a formal duplicate title request to the Georgia DMV Update and correct the records to reflect proper ownership and lienholder information Expedite processing of all necessary title and lienholder changes Compensate me for the financial damages caused by this delay and refusal to assist This issue has been ongoing since XX/XX/year>, and I need immediate resolution to prevent further financial harm.

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 2026-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
I am enrolled in a debt settlement program with Achieve. I recently became aware that a third-party debt collector contacted Achieve regarding an alleged debt that is nearly XXXX XXXX XXXX, time-barred, not enrolled in my program, and under my maiden name. I received an email asking if I wanted to settle and add the debts to my debt settlement program. I made Achieve aware of the fact that I do not know what these debts are, but they are dated from XXXX, with a delinquency date of XXXX. 

I never authorized Achieve to communicate with any old debt collector regarding debts of such an old age, nor have I ever acknowledged that this alleged debt is valid or even mine. I still do not know what these debts are for. 

When I contacted Achieve to address this issue, and ensure they have not spoken with the debt collector on my behalf, the representative I spoke with was rude, spoke over me, and made conflicting and misleading statements. During the call, the representative implied when a debt is owed, that it would appear as a settlement offer when you owe the debt, despite my clear statement that I do not acknowledge or confirm the debt as mine. 

When I directly asked whether Achieve had any communication with this old debt collector, or whether Achieve had spoken to them at all, the representative stated that there was no way of knowing whether Achieve had communicated with the collector, without my authorization. 

This response was alarming, as Achieve is a regulated debt relief company and should be able to track, document, and disclose communications made on a clients behalf ; particularly regarding disputed, time-barred debts.

I have been enrolled with Achieve for XXXX months. During that entire time, I never received communications like this regarding unenrolled, time-barred debts. This is the first time such an email has appeared. The sudden surfacing of a nearly XXXX XXXX XXXX, unenrolled debt under my old last name after XXXX months of enrollment raises concerns about achieves controls, monitoring and handling of third-party collector interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding the unexpected closure of my SoFi checking account and the lack of a clear explanation surrounding this action. 

My SoFi checking account was closed on XX/XX/year>. I was notified of the closure via email sent to my email address, XXXX. Prior to the account closure, a dispute was filed on XX/XX/year>, regarding a {$200.00} debit transaction made to the merchant listed as XXXX XXXX. 

Following the dispute, SoFi restricted access to my account and froze all funds. I was later informed that the remaining balance would be sent to me ; however, no further explanation was provided regarding the reason for the account closure or whether the dispute contributed to this decision. 

This account served as my primary banking account and was the main destination for my income. The sudden closure caused significant disruption, including loss of access to funds and challenges managing my financial obligations. 

I am requesting a clear written explanation for the account closure and, if possible, reinstatement of my SoFi checking account. At minimum, I am seeking transparency regarding the actions taken and confirmation of the status and delivery of my remaining funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
XXXX XXXX mishandled my account and failed to provide required notice when they transferred or sold it to Transworld Systems. I was never notified of the transfer, and the account was later returned to XXXX without explanation. This created inaccurate and incomplete information about my account. 

On XX/XX/year> at XXXXXXXX XXXX, I spoke with a XXXX representative named XXXX ( Agent ID XXXX ). The call was recorded. I offered a {$5000.00} settlement. The representative countered with {$8000.00}. I did not decline the offer. However, XXXX documented in their system that I declined the {$8000.00} settlement, which is false and has affected my ability to resolve the debt. 

I am requesting that the CFPB investigate the following issues : XXXX failure to notify me when the account was transferred or sold to Transworld Systems The inaccurate internal notes stating I declined an {$8000.00} settlement offer The accuracy of any information furnished to credit reporting agencies related to this transfer The circumstances under which the account was transferred and then returned without notice XXXX  obligation to correct their records and negotiate in good faith based on accurate information I am requesting a full investigation and a written response from both XXXX and Transworld Systems.

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 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX  Washington XXXX DC XXXX Re : Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX/ Unauthorized Account Reporting To Whom It May Concern, I am submitting this letter as a formal consumer complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX, located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, telephone number ( XXXX ) XXXX, regarding an unauthorized account that has not been corrected despite repeated notifications. 

During the XXXX period, an account was opened and reported under XXXX XXXX XXXX XXXX account number XXXX, without my authorization. I did not apply for, consent to, or receive any benefit from this account. The transaction was not initiated by me. 

Since discovering this issue, I have notified the company on multiple occasions beginning in XXXX, disputing the account and requesting correction or removal. Despite these communications, the company has refused to correct the inaccurate reporting or resolve the dispute, and the account continues to remain unresolved. 

The failure to investigate and correct an unauthorized account after proper notice raises serious concerns regarding compliance with applicable consumer protection and credit reporting obligations, including duties related to dispute investigation and accuracy of consumer information. 

I respectfully request that the Consumer Financial Protection Bureau review this matter and require XXXX XXXX XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX XXXX  XXXX Conduct a proper investigation into the disputed account ; Correct or remove all inaccurate or unauthorized information related to account number XXXX ; and Provide written confirmation of the resolution. 

I am willing to provide any additional documentation or information necessary to assist in the CFPBs review of this complaint. 

Thank you for your attention to this matter. I appreciate the CFPBs assistance in helping resolve this long-standing issue. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I used my PayPal XXXX XXXX, issued by XXXX XXXXXXXX XXXX XXXX, to purchase XXXX mobile phones totaling {$310.00} through PayPal. The seller sent counterfeit and nonfunctional devices that were significantly not as described. XXXX phone would not power on and the other would not remain powered on. A XXXXparty technician examined both phones and confirmed they share the same IMEI number, which indicates cloned counterfeit hardware. I submitted written verification of this. 

The seller also used mismatched shipping logistics. The tracking associated with the transaction showed delivery within XXXX days, but that shipment was a low-value headset that I did not order, not the phones I purchased. This created a mismatch between the tracking information and the actual goods received. Because the tracking did not correspond to the phones, there was no valid return path tied to the shipment of the devices. Returning them under those circumstances would have risked losing both the merchandise and the funds. 

I opened disputes and was instructed to provide third-party verification, which I did. Despite submitting the requested documentation confirming the devices were counterfeit, nonfunctional, and significantly not as described, the dispute was denied through the XXXX card dispute process. I have not received a clear explanation of how my evidence was evaluated. 

Note : The PayPal Debit Mastercard is issued by XXXX XXXXXXXX XXXX XXXXXXXX, but all dispute handling and denial decisions were made through PayPals Resolution Center and PayPal representatives. The dispute was denied after being handled through PayPals Resolution Center and processed through the Mastercard network. I was never provided a written explanation addressing the technicians counterfeit determination or the tracking mismatch.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I was at the VA XXXX in XXXX Florida and went to use the XXXX ATM they have in the lobby to take out {$200.00} out of my checking account. I put all my information in such as my PIN number and it said I can get my cash. However the ATM machine did not give me my funds that I requested. I have a receipt showing that I requested {$200.00} that I received {$0.00} and that my withdrawal was XXXX. Bank of America of course processed it immediately and took the money out of my account now I have to file a claim and they are stalling giving my {$200.00} plus fees back. I need that money for food and bills and they are sitting on the money right now. I spoke to managers about the problem and they told me they put urgent on it however I have not heard back and I need that money desperately. I don't understand the concept of XXXX giving me a receipt saying that I did not receive any money and the bank immediately taking the money out plus the fees I want my {$200.00} that's including fees in my bank account immediately! I have been a customer at Bank of America for XXXX  years and they have lousy customer service they don't want to give you your money back they overcharge exorbitant fees and I have no idea why I'm still with the bank but I won't be after this incident. I have in my possession the receipt that I was given stating that I never received any money. I'm requesting that Bank of America put the {$200.00} along with the fees IMMEDIATELY back into my checking account. I HAVE HAD PROBLEMS WITH BANK OF AMERICA FOR OVERCHARGING FEES LOUSY CUSTOMER SERVICE PUTTING ON HOLD FOR LONG PERIODS OF TIME AND THIS IS MY BREAKING POINT WITH THIS COMPANY.

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