vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
On XX/XX/year> my health saving account was hacked and drained of {$1200.00} by someone in a different state all used on XXXX from XXXX. I have contacted Optum Financial six times since this hacking. The first call the representative told me their fraud department would call me within two business days. The second rep told me to fill out a forum and either mail it or fax it to them, but they emailed me the wrong forum and hung up. The third rep I called emailed me the correct forum and told me the fraud department would get back to me in 3-5 business days. I called five business days later and a rep told me there was no forum received, and that was not the standard procedure. The rep then told me I could file the request online and then hung up on me before giving me any information. I called back twice and they hung up immediately both times after being on hold, before even speaking with me. I have called a sixth time and asked politely to speak with a manager and informed them I am filing a complaint with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Regions Bank failed to conduct a reasonable investigation under Regulation E regarding an unauthorized {$190.00} charge from XXXX. Despite my immediate report of the error and evidence of the merchant 's deceptive 'dark pattern ' cancellation process, the bank chose to side with the merchant 's internal, unverifiable logs. I want the {$190.00} refunded and an apology for the bank 's failure to protect my account from predatory subscription 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 2026-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
My PayPal account was breached in XXXX of last year. Someone was able to gain access to my account, add a bank account, multiple email addresses and initiate approx $ XXXX in crypto transactions. I called and reported all of this, immediately, before the transactions even went through. Paypal assured me it would be investigated and reversed. I called and requested my account be closed once the transactions went though. They locked my account, but would not delete it because there was crypto in there. Several months later Paypal sent me to collections for approx $ XXXX. I called collections to report the fraud, filed a police report, a complaint with the FTC, and the Better Business Bureau. I have called PayPal multiple times and sent an email to the executive office, only to have to explain the situation over and over. Ive been told different things every time with no resolution. Ive received emails saying they found no unauthorized activity. Ive been told they are investigating. Ive been told they are moving the funds. Ive been told bank statements ( for the bank account that I didnt add and does not belong to me ) and photo ID were requested, which never happened. I never got any emails. I also regained access last week to my account and there are no messages in there either requesting that info. As of last week there is still {$52.00} in crypto in my PayPal account. I was told on the phone to sell it, even after I clearly explained that I never initiated any crypto. I can not close my account because of this balance. I also requested amendments to crypto tax forms that I was sent. I never initiated any crypto so these tax forms are not correct. I received an email denying this, once again for the reason, they found no unauthorized activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Meta Payments Inc.

Complaint narrative:
URGENT SEPARATE CASE : Loss of {$100.00} XXXX XXXX ( Case ID : XXXX ). This is a distinct complaint from my previous filings. Meta issued a {$100.00} refund code ( XXXX ) but technically blocked my account, preventing use until it expired. Despite providing evidence, support agents ( e.g., XXXX XXXX refused to review my documents and abruptly closed chats in my face ( see attached evidence ). This technical failure is causing severe and daily financial damage to my business. I am losing revenue every day this is not resolved. Meta is acting in bad faith by issuing refunds then blocking the means to use them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
My account was frozen on XX/XX/year> for reasons unknown. XXXX asked for my photo id to have my account unfrozen. I called XXXX support and informed them that I dont have a photo id to provide but I have my social security card and my birth certificate to provide but they said they wouldnt except that. Its been over a month now and I have {$150.00} in my account that I need very badly but cant access it. Could u pleases help m me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 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: Consumer Adjustment Company Incorporated
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
Creditor has been calling continuous every day of the week except on Sundays. They call while at work which I can't take as they are personal calls that my employer doesn't allow. They know that I work but still call while I am at work. They have also called relatives and harassed them. I don't have the money to pay them as rent and other bills as groceries and bills have increased because of inflation. Just recently they sent a letter saying that they have tried to send me a notification and that this was the second notice which I haven't received the first. Company caused multiple problems by withdrawing money before paychecks were direct deposited and asked the company to change the date to another date but they declined to do this which caused bank to charge fees as the funds weren't there to make payments when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: MS

Complaint narrative:
I RECEIVED A CELLULAR DEVICE AND IT WASNT BRAND NEW LIKE THE COMPANY STATED AND THEN I NOTIFIED XXXX SAYING I AM RETURNING THE DEVICE TO YOU BECAUSE ITS A USED CELL PHONE SO SEND ME A LABLE. SO I PRINTED THE LABLE TOOK IT ALONG WITH THE DEVICE TO UPS AND UPS SHIPED IT TO XXXX RIGHT AWAY XX/XX/XXXX. COME XX/XX/XXXX I RECEIVED A BILL IN THE AMOUNT OF {$82.00} I CALLED XXXX XX/XX/XXXX TO DISCUSS THESE FRAUDULENT CHARGES! CUSTOMER SERVICE STATES THAT NO NEED TO WORRY WE RECEIVED THE DEVICE XX/XX/XXXX AND I ASKED TO GIVE ME A CONFIRMATION # WHICH IS XXXX. THEN XXXX CUSTOMER SERVICE REP SAID NO MORE BILLS SHOULD COME TO YOU I HAVE TAKEN CARE OF THIS ISSUE!! XX/XX/XXXX I RECEIVED A COLLECTION LETTER TELLING ME I OWE XXXX {$110.00}. SO I CALL TRUACCORD TELLING THEM AND RECORDING THE CONVERSATION BETWEEN I AND XXXX AND SOME PROOF I HAVE SO TRUACCORD CLAIMED THEY WOULD REACH OUT TO XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
I am filing this complaint against JEFFERSON CAPITAL SYSTEMS , LLC ( " Jefferson Capital '' ) for multiple, willful violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Illinois state law. SUMMARY OF VIOLATIONS : Violation Law Evidence Unlicensed collection activity FDCPA 1692f / Illinois Collection Agency Act NMLS " No Match '' screenshot Failure to validate debt FDCPA 1692g ( b ) Certified letter sent 1/31/26 - NO RESPONSE Continued reporting after dispute FDCPA 1692g ( b ) / Russell v. Absolute Account still on Experian/TU as of today False credit reporting FDCPA 1692e ( 8 ) / Wood v. Security Credit Reporting without " disputed '' notation Failure to investigate FCRA 1681s-2 ( b )/ Roberts v. Carter-Young No investigation after dispute DETAILED NARRATIVE BACKGROUND : I am a consumer residing in Illinois. On XX/XX/XXXX, Jefferson Capital placed a collection account on my credit reports ( XXXX and XXXX ) for an alleged debt of {$630.00}, claiming original creditor XXXX. I have no knowledge of this account. It is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Zions Debt Holdings
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate accounts being reported on my credit report. I do not recognize or owe the debts that are currently being reported and associated with my name. These accounts are negatively affecting my credit profile and causing harm to my financial standing. I have not entered into any agreement or obligation for these debts, and therefore they should not be reported under my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be fully investigated and validated. If the company can not provide proper documentation proving that the debt is valid and that I am legally responsible for it, the accounts must be removed from my credit report immediately. I am formally requesting that these inaccurate accounts be deleted from all credit reporting agencies and that I receive written confirmation once the corrections have been made. Thank you for your prompt attention to this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
They called me frequently from different numbers and even called my grandmother who I had as a reference and threatened to sue her and told her that I had the product in her name which was a lie she was just a reference and than I tried to ask them for information about my payments they could not provide them. They said it they was collecting from Acima but didnt provide too much information so we could come to an understanding almost seemed like a scam but they had some information but not all.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
I lived at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX after being displaced from XXXX XXXX, LA XXXX XXXX XXXX and XXXX in XXXX. Because I was displaced and lost everything, i qualified for XXXX and other programs being offered throughout the years I lived here to assist with rent. XXXX of those programs paid my portion of my rental payment for XX/XX/XXXX which was {$320.00} due to Section XXXX paying the balance. I moved all of my belonging out of the apartment and moved back to XXXX XXXX, LA on XX/XX/XXXX and left the keys in the rent drop box as the office staff had advised me the day before. Several weeks go by and It's the month of XX/XX/XXXX and I call asking about my deposit refund, XXXX XXXX back to XXXX to check the mailbox at the old apartment complex and find out that XXXX XXXX not only received the rental amount of {$320.00} for XXXX, but also an additional {$980.00} for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also received a notice from XXXX XXXX stating I moved out on XX/XX/XXXX, so I drove back to XXXX to contest it, but all the office staff had been fired and replaced and the new XXXX did not know what was going on. She said she would look into it and get it taken care of once I showed her all the paperwork confirming I moved everything out on XXXX XXXX with documentation of my one-way rental truck from XXXX XXXX XXXX XXXX XXXX XXXX XXXX day. That previous office staff tried to falsify records on my account in order to keep the money from XXXX XXXX, so they cancelled the check for {$980.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had booked an escape room for XX/XX/year> and I made the reservation on XX/XX/XXXX. The place had called me on XX/XX/XXXX to tell me there XXXX broke and if I wanted to either reschedule or get a refund. I told them I would call them back to discuss it with my group and we decided to reschedule but I had called the place and there was no answer. I continued to call them multiple times and different days but they never answered. I also had emailed them asking for rescheduling or for my refund but there was no response back. So I haven't been able to communicate with them. I have proof of my reservation being cancelled by them and my attempted tries at emailing them. I want my money back. The bank was no help at all. They would send me from phone call to phone call and I started my claim on XX/XX/year>. They would give me my money then take it away every couple months. I gave them all the proof they needed. The proof of my service being canceled by the merchant and my proof of not being able to contact the merchant. Then they said it wasn't enough evidence and that it's already passed the date to continue the claim. How is it that in XXXX XXXX they weren't able to properly do there investigation. They had sufficient proof for my claim but failed at doing their jobs.

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 2026-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing this complaint because inaccurate or misleading banking reports associated with several financial institutions are preventing me from obtaining basic banking services. Several of my bank accounts were closed as internal business decisions even though the final balances were XXXX and there were no outstanding debts, charge-offs, or financial losses to the institutions. Despite this, information reported to consumer banking reporting agencies such as XXXX XXXX XXXX and XXXX appears to be causing automated denials when I attempt to open new bank accounts. In at least one instance, an unauthorized or fraudulent payment was deposited into my account without my knowledge or consent. I did not initiate, authorize, or benefit from this transaction, and any implication that I participated in fraudulent activity is inaccurate. I have contacted the institutions involved and requested clarification and correction of the reporting, but the issue has not been resolved. Because this reporting is preventing me from accessing essential banking services such as receiving payments, paying bills, and maintaining a safe place for my funds, I respectfully request that the CFPB require the institutions to review their reporting, verify the accuracy of the information furnished to XXXX XXXX XXXX and XXXX, correct any inaccurate or misleading information, and remove any unverifiable derogatory reporting. I am requesting that my consumer banking file accurately reflect that the accounts were closed with XXXX balances and no financial loss to the institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK
State: CO

Complaint narrative:
I have formally disputed the Discover account and have requested the original signed contract and documentation substantiating ownership and the alleged balance pursuant to 15 U.S.C. 1681s-2 ( b ), 15 U.S.C. 1681i, and, where applicable, 15 U.S.C. 1692g. Until competent documentation is provided, I do not acknowledge liability for this alleged obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: NY

Complaint narrative:
In [ XX/XX/2026 ], I discovered a debt on my account that I did not authorize. This debt appears to be the result of fraud. I did not open this account, make any charges, or consent to any transactions associated with it. Once I became aware of the issue, I contacted the company to dispute the debt and requested verification. Despite this, the debt is still being reported. I am requesting that this fraudulent debt be investigated, removed, and corrected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
i requested original signed contract proving ownership, they refuse to provide it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am responding to your contact about a debt you are trying to collect. You contacted me by [ phone ], on [ Several Times ] and identified the debt as [ You Refused To Give me any information about this debt ]. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
This company reported an alleged apartment debt from XXXX to my credit report on XX/XX/XXXX without providing proper written notice as required by the Fair Debt Collection Practices Act. I never received an initial written communication regarding this debt. The first time I became aware of it was through my credit report. When I contacted the company to request validation and account details, I was told I must make a payment in order to access information about the account, including the account number. Requiring payment before providing validation is improper and appears to violate federal law. I am formally disputing this debt and requesting : 1. Proof that proper written notice was sent 2. Full validation of the debt 3. Immediate deletion from my credit file if validation can not be provided I am located in Florida and this alleged debt is related to a XXXX apartment lease.

Company response to consumer: Closed with explanation