vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My PayPal account was restricted due to a Legal Demand/Order ( s ) received, listed as a Restraining Notice. PayPal shows this restriction under Legal Demand/Order ID XXXX, with the case caption XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The contact listed for the filing party is XXXX. I am not the debtor in this matter and I was never a borrower, co-borrower, or guarantor on any agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I did not sign any agreement, personal guarantee, or authorization and I never received any funds from XXXX. XXXX does not possess my XXXX, XXXX, or any executed documentation tying me or my business to this debt. This appears to be a wrong-party restraint caused by mistaken identity and improper verification. Specifically, the underlying paperwork associated with this matter improperly lists my business as an additional merchant, despite no executed agreement or authorization from the actual owner of the entity. The XXXX XXXX information associated with that merchant listing was also not valid, which indicates the lender failed to properly verify entity identity and ownership before initiating enforcement actions affecting third-party payment accounts. Despite these issues, XXXX submitted a restraining notice/legal demand to PayPal that resulted in my PayPal account being restricted and interfering with my ability to accept payments and operate my business. I attempted to resolve this directly with XXXX by emailing their legal team on Sunday XX/XX/XXXX, and following up on Monday XX/XX/XXXX, and Tuesday XX/XX/XXXX, but I received no response. I have also attempted to contact XXXX by phone multiple times over the last several days and my calls have not been answered or returned. I contacted PayPal support to dispute the restriction and request review as a wrong-party match, and PayPal support stated only their legal team can access the case details and advised me to contact XXXX directly. As of today, the restriction remains in place and XXXX has not responded to multiple written requests to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Lendmark Financial Services
State: CA

Complaint narrative:
Original loan- XX/XX/XXXX Amount- {$6500.00} The company reached out via phone to offer complimentary {$240.00} in XXXX of XXXX. I was told the loan and payments would remain the same. 
I have reviewed my credit report and Lendmark had closed my original loan and reopened a new loan with higher amount and interest without my consent. 
I emailed and called Lendmark complaining and asking to reach out to fix this immediately without any response or resolution. 
Please see email below sent XX/XX/XXXX after I found out on my credit and payments. 

Hi, I am writing to you all with concerns that I have. The call that I received from my representative XXXX, was that I would receive an additional {$240.00} and just skip a payment. I did not authorize a full credit screening ( which dinged my credit ) a closing of my old account and an opening of a new account under lendmark with a larger balance and double the monthly payment. 

I have been a great customer with you all, I am on my second loan- apparently third without consent? 

I did not agree to these terms and this was not disclosed. 

I want my old loan back, I need my credit to be advised that it should not have been screened for this loan and I want my payment terms to revert back to what they were {$230.00} a month. 

Please advise as soon as possible. 


XXXX XXXX XXXX This needs to be remedied immediately. This was completely illegal and affected my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
When I pay my credit card ... XXXX  don't let them take the money. Money was returned and Truist never give me those money back That start XX/XX/scrub>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 2026-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
On the due date for our monthly payment, we went to the branch to inform them that we wouldn't be paying the full amount at once, but rather in three installments on different dates, as we didn't have all the money. The person who assisted us indicated that after the final payment, the third installment, we would have to pay more than the regular monthly amount, ultimately paying {$500.00} extra. We felt this was an abuse of power. Later, we spoke on the phone with the representative who processed our loan, and she told us that this was what we had agreed to in the contract. We requested to speak with her supervisor or manager, but she refused, insisting that this was what we had signed in the contract, with no intention of trying to resolve the issue. I was asking for a reduction in this charge because it was excessive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Had a Fraudulent check deposited without my knowledge

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 2026-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I purchased merchandise at XXXX totaling {$62.00}. I paid the bill in full {$62.00} through the postal mail. It was due XX/XX/year>. Payment received XX/XX/year>. No grace period! The mail was delayed so this resulted in late fee {$30.00}, paper statement XXXX, and interest {$3.00}. I called XX/XX/year>, they were going to waive the fee {$30.00} but I had to pay {$5.00}. I wrote out a check for {$5.00}, and cut up credit card. I mailed the check the very next day! 
Again I received my next statement, I now owe {$71.00} all in late fees! I already paid the credit card off! I called and stated this! XXXX from credit card company said they are legit charges! I called back and they waived one charge and I paid them off by phone just to get rid of the problem! 
I explained all this to my XXXX old father : He said its robbery without a XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
On XX/XX/XXXX a creditor by the name of MOHELAXXXX XXXX XXXX XXXX XXXX, MO XXXX fraudulently opened XXXX student loan accounts using my information. I filed a dispute with XXXX  immediately and was able to get the higher amount of {$3000.00} removed from my credit report. The other loan of {$1700.00} was reduced to {$770.00}. I have filed XXXX disputes with transunion & my recent one that was initiated on XX/XX/year> was for the {$770.00} amount. According the dispute results they deemed the information to be " accurate ''. I have never in my life opened a student loan account and i am beyond frustrated that this creditor decided to do this.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
Received multiple calls from this debt collector at random hours. They would never say anything when I would pick up at first then once I mentioned that they should not contact me over the phone the caller got rude and continued to ask if they were speaking to said person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
RE : Account Numbers/ Hard Inquiries:XXXX To Whom It May Concern, I am writing regarding the above-referenced accounts and hard inquiries appearing on my credit report and/or your collection records. I have no knowledge of these alleged debts and do not believe I owe any obligation.

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and a request for debt validation under the Fair Debt Collection Practices Act ( FDCPA 809 ). It also serves as a cease-and-desist request for all communications and a challenge of unauthorized hard inquiries. 
Debt Validation and Verification Request For each collection account, please provide competent documentation verifying : Original creditor name and address Original account number Signed agreement or contract bearing my signature establishing liability Complete payment history Date of first delinquency Documentation proving your legal authority to collect and/or report this account Verification that the reported balance is accurate Proof of assignment if the account has been sold to a third party Medical collections : Also provide itemized statements and verification of dates of service.

Credit card collections : Also provide proof of original charge-off date and confirmation that the account has not been improperly re-aged. 
If these accounts can not be fully verified, I request immediate deletion from my credit file. 

Cease-and-Desist Communication Until proper verification is provided, you are instructed to cease all communication with me, including phone calls, letters, emails, or electronic messages, except as required by law for legal notifications. 

This request is made pursuant to the FDCPA and is not an acknowledgment of liability. 
did not provide written consent or permissible purpose : Company Name : _______________________ | Date : _______________________ Company Name : _______________________ | Date : _______________________ Please provide documentation bearing my signature demonstrating that I authorized these inquiries in accordance with FCRA 604. If verification can not be provided, I request that these inquiries be removed immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 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 made an online purchase from XXXX XXXX and paid {$110.00} via XXXX on XX/XX/XXXX. The product was not received in the " express shipping '' timeframe they stated and was received on XX/XX/XXXX. When received the product did not match the description/picturesd. I reached out to the company immediately on XX/XX/XXXX when I hadn't received the product ordered as a Christmas gift. They said they couldn't do anything while it was still in transit. It arrived later on XX/XX/XXXX and I reached out again requesting a refund. They told me they would refund my money and provided a return address to ship the product to. I shipped the product at my own expense of {$16.00}, and per the tracking it was delivered to the address provided on XX/XX/XXXX. They confirmed receipt via email and stated I would be refunded in XXXX business days. XXXX business days later and no refund, so I reported the issue to PayPal. I provided all of the correspondence from the company acknowledging they would refund me, my tracking number for returning the product, and correspondence from the company acknowledging they had received the product. PayPal conducted their " investigation '' and closed my dispute in favor of the seller stating " This decision was made because we never received documentation that proves you are due a credit. '' That is patently false. The company 's email specifically acknowledged the refund and that they had received my returned merchandise. Now I am out of my money and the product and it feels like theft and that PayPal is protecting unscrupulous companies in stealing from customers. After this experience I did the research I should have done in advance and the company I purchased from has tons of bad reviews ( although their website has what must be a fake rating of XXXX stars ) for cheating customers out of their money. I don't know how such a company is still allowed to operate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX I need these disputes claims to be reopen and re investigation and review and assign to a new dispute investigator for a new decision I disagree with the old decision I want a new decision for them all {$400.00} XXXX XXXX  reference number is XXXX and dispute claim number is for that XXXX that should be disputed for scammed not service received and for {$120.00} XXXX XXXX XXXX XXXX  reference XXXX and dispute claim number is XXXX because they cancel my subscription and cancel my order for no reason and wont give me a refund and need the debit of the provisional credit for {$120.00} that will be taken out of my account and reversed on XXXX need that to be put on hold or put on pause or put on hold or or be canceled out so the credit dont be taken out of my account and reversed and make my account overdraft and negative until a new decision is made for all my dispute claims listed checking account number is XXXX and routing number is XXXX etc. Update this fee for XXXX for amount - {$120.00} XXXX XXXX XXXX XXXX XXXX this fee reverse should been put on hold today until a new decision was made but no yall didnt do that I am requesting when yall get this new complaint and see this please process a onetime credit for {$120.00} back into my account until the investigation is over and dispute have a new dispute claim on it because I didnt get my service and they cancel my application on it for no reason and I called the the disputed phone number up and they say one lady told me her system wont allow her dispute it and I called back again and a guy told me his system wont allow him to dispute it again over a preexisting dispute claim on it that was denied on it so I need yall to reopen the denied dispute claim on it and re investigation and review it and assign a new claim dispute claim investigator to it and favor it in my end because they didnt provide me no service they just cancel my application out for no reason and cancel my subscription for no reason and same day y'all get this complaint and see it issue me a onetime reverse credit back into my account for {$120.00} until a new claim dispute decision is made etc.

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 2026-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
ON XX/XX/year>, I DID WIRE TRANSFER IN CITI BANK BRANCH FROM MY BUSINESS ACOUNT TO MY VENDOR, THE AMOUNT IS XXXX DOLLARS. AT THE SAME DAY, THE BANK CANCEL THE WIRE TRANSFER AND THE MONEY DID NOT RETURB BACK TO MY ACCOUNT. I NEGOCIATE ABOUT THIE ISSUE OVER YEARS NEVER GET IT RESOLVED. CITI BANK CLAIMEDTHE MONEY ALREADY SENT TO THE BENEFICIARY. THE BENEFICIARY NEVER RECIEVD THE FUND. THEY REFUSED TO PROVIDE FURTHER INFORMATION AND DO NOT HAVE PROOF THEY SENT THE FUND.

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 2026-02-18 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Target XXXX card credit card has an outrageous balance that doesn't wan na work with me in settling this balance so I can close the account with the high rising prices of inflation and target new prices. They're prices get higher but wages stay the same and making these bills for target makes it difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
In XX/XX/year>, my Coinbase account was accessed without authorization. During this account takeover, an unauthorized party changed the email associated with my account and rapidly converted multiple assets ( including XXXX, XXXX, and XXXX ) into XXXX within a span of approximately XXXX minutes ( XXXX XXXX XXXX on XX/XX/year> ). 

I reported the unauthorized access to Coinbase immediately and was issued XXXX # XXXX. 

Coinbase later closed my case incorrectly, stating that I had used a different email address. This was inaccurate. The email change was performed by the unauthorized party during the account takeover. 

At the same time, I was locked out of my account due to Coinbases identity verification process, which prevented me from accessing my account to review or dispute the fraudulent activity. 

Upon recently regaining access to my account, I reviewed the transaction history. It shows the unauthorized conversions to XXXX ; however, when filtering transaction history for All time, including withdrawals, transfers, and sends, there is no visible XXXX withdrawal, no transfer record, no destination address, and no transaction hash displayed. 

Despite the absence of withdrawal records in the customer-facing transaction history, the XXXX is no longer present in my account. 

Coinbase has not provided a clear explanation of when, how, or where the XXXX left my account after I reported the fraud. 

The total financial loss was {$17000.00} Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital one credit card is charging me fees that are outrageous, im trying to settle and compromise but these unforseen fees that I had no knowledge of is making it difficult. No remorse or understanding in wanting to resolve this issue so both parties can be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Company : IC Systems , Inc. 
Issue : Incorrect information on credit report Sub-Issue : Debt not verified / improper collection reporting Complaint Narrative I am submitting this complaint regarding inaccurate and unverified credit reporting by IC Systems , Inc. 

IC Systems has placed a collection account on my consumer report without providing proper validation and disclosures required under federal law.

Under 12 CFR 1006.34 ( Regulation F ), a debt collector must provide a written validation notice containing specific disclosures regarding the debt, including itemization and consumer dispute rights. I have not received proper validation documentation as required.

Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given a meaningful opportunity to dispute the debt. Despite my dispute, IC Systems continues to report this alleged account without providing documentary verification.

Additionally, continued reporting of an unverified debt may violate : FCRA 623 ( b ) Furnisher duty to conduct a meaningful investigation FCRA 607 ( b ) Maximum possible accuracy requirement FDCPA 807 ( 15 U.S.C. 1692e ) Prohibiting false or misleading representations FDCPA 809 ( 15 U.S.C. 1692g ) Debt validation requirements As a Texas resident, IC Systems is also subject to the Texas Debt Collection Act ( Texas Finance Code 392.304 ), which prohibits : Misrepresenting the character, extent, or amount of a debt Using deceptive means to collect a debt Reporting inaccurate credit information IC Systems has failed to provide : A copy of the original signed agreement bearing my authorization A complete itemized account history Documentation establishing legal ownership or chain of assignment The purchase or assignment agreement between IC Systems and the original creditor Proof that the reported balance is accurate Verification that the Date of First Delinquency complies with FCRA 623 ( a ) ( 5 ) I am disputing owing any and all alleged debts to IC Systems. 

I am formally requesting full debt validation and documentary proof of their legal authority to collect and furnish this account I am also revoking consent for IC Systems to communicate with me via telephone, text message, or electronic communications. All future communications must be in writing. 

If IC Systems can not produce competent documentary evidence substantiating this alleged debt, they must : Cease reporting the account to all consumer reporting agencies ; and Request deletion of the tradeline. 

I am not admitting liability. I am requesting compliance with federal and Texas consumer protection laws.

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