vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 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: TX

Complaint narrative:
I have a billing issue '' or Unauthorized Activity / Mistake. PayPal is holding {$60.00} from an unaccepted, canceled transaction to an inactive account and refuses to return it despite their own policy stating they would. This was a clear clerical error sent to an inactive account. The system stated it would be returned after 30 days if unaccepted. It has been over 30 days, the recipient never accepted it, and the funds are wrongfully being withheld by PayPal. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I am submitting this complaint because I discovered a collection account on my credit report that I do not recognize and do not believe belongs to me. It is extremely frustrating to be confronted with a debt that has not been properly verified and for which I have no knowledge or responsibility. In addition to the negative impact on my credit, I have been subjected to repeated collection attempts through various forms of communication, creating significant stress and XXXX As a law-abiding consumer, I find it unacceptable to be associated with an unverified collection account that is affecting my financial standing and causing ongoing emotional distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I recently discovered accounts on my credit report around early XXXX that I do not recognize and did not authorize. These accounts contain negative payment history, including missed payments, which are adversely affecting my credit profile. I believe these accounts may be the result of identity theft or unauthorized use of my personal information. I am requesting a thorough investigation and the removal of any accounts or information that can not be verified as belonging to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Immediate Release of Deposited Funds XXXX Account Closure Hardship Complaint My name is XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I deposited a check into my Bank of America account. The funds were placed on hold XXXX were not released until XX/XX/XXXX. Between XX/XX/XXXX XXXX XX/XX/XXXX, I contacted Bank of America more than XXXX times attempting XXXX resolve issues involving locks XXXX verifications on my debit card XXXX account access. I was repeatedly transferred between departments XXXX was unable XXXX obtain meaningful assistance other than rude, careless XXXX unprofessional employee On XX/XX/XXXX, after finally believing my funds were available, I went XXXX a Bank of America ATM XXXX withdraw money needed XXXX pay the XXXX months rent for housing I had secured after approximately XXXX years of homelessness. The ATM informed me that my debit card was blocked. I immediately contacted Bank of America XXXX was informed that the bank had decided XXXX close my account. I was specifically told that the closure was not related XXXX fraud, criminal activity, or any legal issue, but was simply a business decision. I spoke with XXXX, a XXXX XXXX XXXX, who informed me that nothing could be done, could not provide a release date for my funds, XXXX could not provide any meaningful solution other than XXXX wait indefinitely. As a result, I have been deprived of access XXXX my own money for the past XXXX days despite the bank having already completed its hold on the deposited check. I am XXXX, have no family or support system available XXXX assist me, XXXX care for a XXXX XXXX. The withholding of my funds has directly jeopardized my ability XXXX secure housing XXXX has exposed me XXXX extreme hardship during temperatures exceeding XXXX degrees in the XXXX XXXX region. XXXX XXXX pay my XXXX month of rent that is due today XX/XX/XXXX. I immediately respectfully request : XXXX. XXXX release of all funds belonging XXXX me. {$1300.00} XXXX. Written explanation for the account closure. XXXX. Written confirmation of when XXXX how my funds will be returned. XXXX. Investigation into whether Bank of America followed all applicable consumer protection XXXX banking regulations in restricting access XXXX my deposited funds. I certify that the information provided is true XXXX correct XXXX the best of my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX, California Phone : XXXX Email : 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 monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB 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 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Data and Contact Management Solutions, LLC

Complaint narrative:
Received a call from DCM XXXX today regarding a debt for my dead brother 's estate. I told the agency please notify client to send me a bill and I will pay. I have no knowledge of the debt until now ( XX/XX/XXXX ). My brother died XX/XX/year>. According to the hospital there is no outstanding balance. I have a copy of receipt of balance payment. No one else has notify me electronically or otherwise about any balance that is left. My frustration is that I have not received any notification of any payment is needed, before collection agency has taken over the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED { Experian } XXXX XXXX XXXX XXXX, TX XXXX TransUnion Consumer Dispute Center, XXXX XXXXXXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Request for Method of Verification Consumer : XXXX XXXX. XXXX This letter is a formal request for the method of verification used in the reinvestigation of the disputed account ( s ) listed below, as permitted under 15 U.S.C. 611 ( a ) ( 7 ) of the Fair Credit Reporting Act. You recently verified disputed information furnished by - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute the accuracy of that verification. Please provide the following : 1. The name, title, and employer of the individual who conducted the investigation. 2. The date the investigation was performed. 3. A detailed description of the procedure used to verify the information. 4. The specific documents or records relied upon to verify the accuracy of the reported data. 5. The method by which the furnisher certified the information as accurate. A generic statement that the furnisher verified the information does not satisfy the requirements of the Fair Credit Reporting Act. If you are unable to provide this information, the continued reporting of this account may constitute noncompliance with federal law. Please respond within 15 days. Sincerely, XXXX 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 2026-06-02 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: MS

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: ALL WESTERN MORTGAGE
State: TX

Complaint narrative:
I am trying to make a lump payment to pay off around $ XXXX {$80000.00} of my principal. I requested banking/wiring information 7 days ago, but they said the loan is being sold to another servicing company ( not effective for another 5 weeks ) and that they would contact them. Never heard back. I followed up multiple times and called the new servicing company who told me that they can not take the payment since they don't own the mortgage for another 5 weeks. They confirmed that my original mortgage company would be responsible for taking it. I called All Western Mortgage ( original mortgage company ) again told them this information. They agreed, said they would get the wiring instructions from the accounting department and I would hear back the next day. It has been 3 more days since then and I have not heard back. They are beating around the bush and I am incurring 6.125 % interest on a large amount sitting in my bank account, ready to be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/2026 I was notified by Chase Bank that my account was being reviewed for a security reason and that in order to have my account Re-activated I would be required to go into the local branch and show my official Identification. I had telephoned branch employees as well as the national customer service call telephone line but I could not obtain any relevant information as to why my account was Now Blocked from my access online and in the branch. On Friday I went to my local Chase Bank branch XXXX XXXX XXXX XXXX XXXX, La. XXXX. At the meeting in the branch I was informed that my account had questionable transactions that maybe fraudulent? I was further informed that my balance was negative and for these reasons the Fraud prevention unit has closed out my checking account. I demanded to know exactly what transactions were questionable and none were provided to me. I was then told that this was a mix up or misunderstanding and a review of my transactions in another account of which is owned by my Ex -Wife XXXX XXXX was also being evaluated and for these reasons my account required additional review. I should NOT be on my Ex-wife 's bank account. I have a Power of Attorney to represent my Ex-wife ( who is XXXX ) and I did NOT request to be on her checking account therefore her banking activity should NOT affect or hinder my bank rating or interfere with my right to access my bank account. At the writing of this complaint I still have no access to my bank account or my banking records. This is the negligence of the bank employee at the XXXX Chase Branch who opened my Ex-wife 's checking account ending in XXXX. My checking account has only received deposits from me and my business and there has been no fraudulent activity on my checking account ending in XXXX I am being penalized for activity that is not my responsibility or cause. I have tried several times to have the local branch clear this up only to be told I should make other financial arrangements and that it may take a long time. My identity is being compromised by negligence of the bank employees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: TX

Complaint narrative:
We opened a Synchrony Home credit card with a XXXX month deferred interest promotion with full intention of paying the balance in full before the promotional period ended. From the start we received regular email statements showing our balance XXXX due dates. Our last received email statement covered XX/XX/XXXX through XX/XX/XXXX. After that date all email communication from Synchrony stopped completely. I have checked my inbox, spam, XXXX trash XXXX there is no record of any emails from Synchrony in XXXX. On XX/XX/XXXX I noticed our automatic bank payment was higher than usual while reviewing our budget. I attempted XXXX log into my Synchrony account online XXXX was completely locked out. The system did not recognize my name, date of birth, or Social Security number XXXX showed no record of an account under my information. I called Synchrony on XX/XX/XXXX XXXX a representative had XXXX fully reset my account access because the system was not functioning on my end. XXXX I regained access I discovered nearly {$8000.00} in deferred interest had been charged. I called Synchrony on XX/XX/XXXX, spoke with a representative XXXX then a XXXX, and was told nothing could be done. Synchrony stopped sending email notifications XXXX my account access failed simultaneously, XXXX outside of my control. I would not have called XXXX pay this account off if I did not intend to do so. I am requesting the {$8000.00} interest charge be reversed given that Synchrony failed XXXX provide proper notification XXXX their own system locked me out of my account.

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 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
My mortgage company tried telling me I was in a flood zone area after I sent them proof that I wasn't the ruined my XXXX XXXX XXXX still charging me for flood insurance. I contacted a surveyor XXXX get a elevation certificate XXXX presented it XXXX the mortgage company they say they removed the flood insurance but my payment are still the same XXXX they haven't refunded me back the funds I paid for not needing flood insurance, I have been violated by the company for over a year. I'm not getting any updates they were suppose XXXX call me regarding the changes made XXXX my account I have never received a call from them just my mortgage continuing XXXX increase

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 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: NV

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-06-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NJ

Complaint narrative:
I was offered a promotion XXXX switch my mobile service XXXX XXXX XXXX via online chat. I was told a {$50.00} one-time fee would be XXXX % refundable. However, I was unable XXXX obtain the necessary port-out codes from my current provider, XXXX. I explicitly instructed XXXX XXXX XXXX cancel the entire transition process. Instead of cancelling, the company unilaterally opened a new account XXXX assigned XXXX random, unknown phone numbers XXXX it without my consent. I never received, activated, or used these lines. They have never transmitted any signal, XXXX the XXXX cards were never installed in any device. Despite this, the company began charging my card monthly. When I tried XXXX stop the automatic payments, I was unable XXXX do so and eventually had XXXX cancel my credit card. The company continued XXXX bill me for services never rendered XXXX added late fees as penalties. I eventually managed XXXX close the unauthorized accounts over the phone, but the fraudulent balance has now been sent XXXX a debt collection agency ( Sunrise Credit Services ). I am being pursued for a debt resulting from unauthorized lines XXXX predatory billing practices.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Midland Credit Management. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Midland Credit Management owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Midland Credit Management to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TekCollect Inc.
State: AR

Complaint narrative:
I am submitting a complaint regarding a collection account being reported by Tek-Collect on behalf of XXXX. I dispute the validity XXXX accuracy of this debt and request a thorough investigation. I never completed my treatment with XXXX. During treatment, the aligners/retainers caused painful XXXX XXXX XXXX in my mouth. I submitted complaints XXXX XXXX regarding these issues XXXX attempted XXXX obtain assistance, but I did not receive a response before the company ceased operations XXXX ultimately filed for bankruptcy. As a result, I did not receive the full benefit of the services for which I was being charged. Despite these unresolved service issues, Tek-Collect XXXX XXXX a collection account on my credit reports. Additionally, I never received a debt validation notice or any documentation from Tek-Collect establishing the validity of this debt. XXXX date, I have not been provided sufficient evidence demonstrating that the amount being reported is accurate, that the services contracted for were fully provided, or that Tek-Collect has the authority XXXX collect XXXX report this debt. I request that Tek-Collect provide : XXXX. A complete accounting of the amount claimed. XXXX. Documentation proving the debt is valid XXXX legally collectible. XXXX. Documentation showing that the contracted services were fully provided. XXXX. Documentation establishing Tek-Collects authority XXXX collect XXXX furnish information regarding this account XXXX consumer reporting agencies. XXXX. Evidence that all reporting requirements under the Fair Credit Reporting Act XXXX Fair Debt Collection Practices Act have been met. If Tek-Collect can not provide sufficient documentation supporting the validity XXXX accuracy of this account, I request that the collection account be deleted from all consumer reporting agencies immediately. I also request a written response detailing the results of the investigation XXXX any corrective action taken. Thank you for your attention XXXX this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation