vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
XX/XX/year> hello I am XXXX i I had unauthorized charges that I disputed, after the XXXX day I received my credit for the dispute I logged in my computer to check I then try to send the funds to my main account, they froze my account immediately I contacted support for help was told to just wait XXXX hours and try again which I did wait and tried again for it to have the same issue I then mail support to see if they could help me after like XXXX hour I get a email saying my account is suspanded and to upload my id as soon as I got that email I got another XXXX saying my account was deactivated and my funds will be held for XXXX days. I am sick and tired of this I have done nothing wrong I have not violated anything or broke any rules this is unjust an unfair my next step is to file a small claim or to pursue a lawsuit this is not right specially because of the current financial hardship I am going thru.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
" I am filing this complaint against PayPal for the unfair denial of my fraud dispute, Case ID : XXXX XXXX totaling {$2800.00}. I provided a formal FBI IC3 Reference Number : XXXX as evidence of this fraud, yet the case was closed as 'Resolved ' on XX/XX/XXXX without a proper review. Furthermore, per PayPals own User Agreement, transactions over {$750.00} require Signature Confirmation for a seller to be protected. I have contacted UPS directly, and they confirmed that Signature Confirmation was not used for this delivery. Additionally, the tracking shows the item was delivered to an incorrect location, not my address. PayPal has failed to honor its own security protocols and Purchase Protection terms despite being presented with federal law enforcement documentation and proof of a delivery error. I am requesting a senior-level review and a full reversal of the {$2800.00} charge. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Midland Credit Management for {$610.00} ( Account ending in XXXX XXXXXXXX ). This account appears on my credit reports as a debt buyer account with a reported date of first delinquency of XX/XX/year> and a collection balance of {$610.00}. I dispute the accuracy and validity of this account. I have not received sufficient documentation proving that Midland Credit Management has the legal right to collect this alleged debt or that the information being reported to the credit bureaus is accurate. Reporting a debt without proper verification may constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). Under these laws, I am requesting Midland Credit Management provide the following documentation : The name and address of the original creditor A copy of the original contract or agreement bearing my signature A complete account statement and payment history from the original creditor Documentation showing the chain of ownership proving Midland Credit Management legally purchased this debt Proof that the reported date of first delinquency is accurate Documentation showing they have authorization to report this account to consumer reporting agencies If Midland Credit Management can not provide proper verification and documentation as required by federal law, I request the immediate deletion of this account from all credit reporting agencies. The continued reporting of unverified or inaccurate information is causing significant harm to my credit profile and ability to obtain credit. I respectfully request the Consumer Financial Protection Bureau investigate this matter and require Midland Credit XXXX to either provide proper verification or remove this account from my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Block, Inc.
State: PA

Complaint narrative:
On XXXX around XXXX XXXX, a guy on XXXX said he would teach me investing, like a class. He requested XXXX and then another XXXX $ and I sent it. Once I sent it he completely stopped responding, and its hard for me to get my money back even tho I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Heritage Financial Group, Inc.
State: IL

Complaint narrative:
My car note is paid as of today XX/XX/year> there is a kill switch on my car this loan does not have a system to automatically turn on your vehicle once payment is paid and I feel that is unfair because now I had to wait the rest of today and the whole 24 hours for XX/XX/year> I cant use my vehicle until Monday I feel as if this bank should remove those and also my start on my car went of from them using the kill switch. I feel as if they shouldnt turn nobody car off unless they have a automatic system to reactivate the vehicle, then my starter went out 2 months ago had to pay a fee and they told me I will be able to negotiate a payment plan because I was a new customer they still turned my car off and I gave them proof of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account listed below was paid pursuant to a XXXX agreement with the reporting company. The company agreed that upon payment, the account would be removed from all consumer reporting agencies. Payment was made as agreed ; however, the account continues to be reported on my credit reports. XXXX XXXX, XXXX XXXX XXXX Since the XXXX agreed that this account would be deleted after payment, the continued reporting does not meet the accuracy requirements mandated by federal law. Therefore, I am requesting the following : Immediate deletion of the account from my credit file. Written confirmation of the results of your investigation. If the furnisher can not verify that the account should still be reported despite the XXXX agreement, the account must be removed in accordance with the Fair Credit Reporting Act. Please complete your investigation within the time period required under 15 U.S.C. 1681i and provide me with an updated copy of my credit report reflecting the correction. Enclosed are copies of supporting documentation including proof of payment and documentation of the XXXX agreement.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 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: NY

Complaint narrative:
Company was asked to send proof of ownership of Debt, and statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I am filing this complaint against Ally Financial for violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) and 12 C.F.R. 1022.43 ( Regulation V ). Despite a direct dispute notice sent on XXXX XXXX, 2026, Ally Financial continues to furnish inconsistent and inaccurate data to TransUnion for account # XXXX * * * *. Specifically, Ally reports this account to TransUnion as " Late 30 Days '' with a past due amount of {$590.00}. However, for the exact same account, they report a " Current '' status with {$0.00} past due to both Experian and Equifax. Furthermore, there is a balance discrepancy : {$18000.00} is reported to TransUnion while {$18000.00} is reported to the other agencies. It is legally and factually impossible for an account to be " Current '' and " Late '' simultaneously. Ally Financial has failed to maintain " maximum possible accuracy '' in their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
Ive sent debt validation letters, collection dispute letters and explanations letters where the identity theft came from ( XXXX equifax breach is just one example ) to the company and the three bureaus and havent gotten a response

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 2026-03-08 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: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Date : XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Re : Authorized User Account Removal Request To Whom It May Concern, I am writing to dispute an account that is currently appearing on my credit report as an authorized user account. Creditor : Security Service Federal Credit Union Account Number : * XXXX I was recently added to this account as an authorized user and I am not financially responsible for this debt. I did not apply for or enter into any contractual agreement for this credit account. Because I am only listed as an authorized user and not the primary account holder, I request that this account be removed from my credit report. Please investigate this matter and delete the account from my credit file as I am not legally liable for this obligation. Thank you for your prompt attention to this matter. Sincerely, 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 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IL

Complaint narrative:
The transaction was on XX/XX/year>2025 to XXXX gsuites shop for {$80.00}. I am filing this complaint because Cash App has twice failed to conduct a reasonable investigation into a fraudulent transaction on my Cash App visa card, violating the Electronic Fund Transfer Act ( Regulation E ). I provided clear evidence that the merchant is a fraudulent typo squatting site ( using the name " XXXX k '' to impersonate " XXXX '' ). Futhermore, the merchant provided fake tracking number that shows no delivery to my address. Cash App 's refusal to acknowledge this clear evidence of a non-delivery scam constitutes a failure to fulfill their obligations to investigate errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The account listed below was paid pursuant to a Pay-For-Delete agreement with the reporting company. The company agreed that upon payment, the account would be removed from all consumer reporting agencies. Payment was made as agreed ; however, the account continues to be reported on my credit reports. XXXX XXXX XXXX Since the furnisher agreed that this account would be deleted after payment, the continued reporting does not meet the accuracy requirements mandated by federal law. Therefore, I am requesting the following : Immediate deletion of the account from my credit file. Written confirmation of the results of your investigation. If the furnisher can not verify that the account should still be reported despite the Pay-For-Delete agreement, the account must be removed in accordance with the Fair Credit Reporting Act. Please complete your investigation within the time period required under 15 U.S.C. 1681i and provide me with an updated copy of my credit report reflecting the correction. Enclosed are copies of supporting documentation including proof of payment and documentation of the Pay-For-Delete agreement.

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 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am responding to your contact regarding the alleged debt referenced above. This letter is a formal request for validation of the debt pursuant to my rights under the Fair Debt Collection Practices Act. I do not acknowledge this debt and request that you provide proper documentation verifying the following : 1. The name and address of the original creditor. 2. The original amount of the alleged debt. 3. A complete accounting of the amount you claim is owed, including any interest, fees, or charges. 4. Copies of any agreements, contracts, or documents bearing my signature showing that I agreed to this debt. 5. Proof that your agency is authorized to collect on this debt in my state. 6. Documentation showing you have been assigned or purchased the debt from the original creditor. Until you provide the requested validation, please cease all collection activity and reporting to credit reporting agencies regarding this account. If you can not provide the requested documentation, I request that this account be removed from all credit reporting agencies immediately. All future communication regarding this matter must be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding Citibanks handling of a billing dispute for defective merchandise. I purchased a dresser online from XXXX XXXX XX/XX/year>2025 for approximately {$330.00} using my Citibank credit card. When the dresser arrived, the drawers had visible chipped wood. The damage was present when I opened the packaging. I documented the damage with photographs. I contacted XXXX XXXX and provided photo evidence of the chipped drawers. Despite the damage, the only resolution offered by XXXX XXXX was {$50.00} in store credit, which I believe is not a reasonable remedy for a defective {$330.00} item. They did not give me an option to return the item and the item was not listed as final sale. Because the merchant did not provide an adequate resolution, I opened a dispute with Citibank for defective merchandise. Citibank initially issued a conditional credit while investigating the claim. However, after the investigation, Citibank reversed the credit and denied the dispute. I requested that the dispute be reviewed again and the claim was reopened. Despite submitting the same evidence and explaining that the merchants offer of {$50.00} store credit did not reasonably resolve the defect, Citibank again denied the dispute and stated that the conditional credit would be reversed. This dispute has now been opened twice, and I do not believe Citibank adequately considered the evidence I provided showing the item was defective upon arrival. It appears Citibank relied solely on the merchants statement that compensation was offered, even though the offer was minimal and did not resolve the defect. I am requesting that Citibank conduct a fair review of the dispute and properly evaluate the photographic evidence and the inadequate resolution offered by the merchant.

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 2026-03-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Flexible Finance, Inc.
State: OR

Complaint narrative:
The service worked great! Until I didn't, so then it didn't. I repeatedly advise Flex that I had been let got from my place of employment, and therefore, no longer required their services and so moved forward with cancelingmy subscription/membership. As a sectionXX/XX/XXXX voucher holder, my rent is based on my income, which at that time, I had none. They've claimed I have an overdue balance of {$320.00} and now I've got some person, from a compnay I've never heard of ( XXXX ) consistently sending me emails to " settle '' this bogus overdue balance. There isn't even anything on my credit report to support this claim either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Zions Debt Holdings
State: LA

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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: CA

Complaint narrative:
Verification Account : LVNV Funding XXXXXXXX XXXX XXXX XXXX XXXX CFPB Complaint # : XXXXXXXX XXXX Subject : Direct Dispute Under FCRA Section 623 To Whom It May Concern, This letter is a formal direct dispute pursuant to the Fair Credit Reporting Act, Section 623 ( a ) ( 8 ), regarding inaccurate information your company is furnishing to consumer reporting agencies. I previously disputed this account with the credit reporting agencies ; however, the account was reported as verified. I am requesting that you conduct a reasonable investigation into the accuracy of the information you are reporting. Please provide the documentation used to verify the accuracy of this account, including : A copy of the original signed agreement or contract A complete payment history from the original creditor Documentation showing the chain of assignment or transfer of the debt The date of first delinquency A full itemization of the alleged balance including interest and fees Proof that your company has the legal authority to collect and report this debt If you can not provide the documentation listed above, you must immediately cease reporting this account and request deletion from all consumer reporting agencies. Please complete your investigation and provide the results within the time required under the Fair Credit Reporting Act. Sincerely, The collector keeps reporting without validation They ignore my disputes They send incomplete documents Method used to verify the account Name of the person or company who verified it Address and phone number of the furnisher Documentation used If the collector can not produce documents, delete account

Company response to consumer: Closed with explanation