vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have been trying to buy a laptop on XXXX for school. The XXXX time I attempted to buy a laptop, my legitimate transaction was marked as fraud. Once I spoke to PayPal and cleared the fraud hold, it left the failed purchase authorizations pending against my PayPal XXXX line. The purchase did not complete, but my entire available credit limit is unavailable. I called PayPal XXXX and asked if they could remove the charge, they said it would go away in XXXX days. I called after XXXX days and they said it would go away in XXXX days. I called again in XXXX days and they said it would go away in XXXX days. Finally after XXXX days, the charge was removed. I attempted to buy a laptop a XXXX time. Like the first time, there was an immediate fraud alert that cancelled the transaction. I cleared the fraud hold and PayPal told me to try again. When I tried again, the failed purchase authorization was still pending against my credit line, and I was told to wait another XXXX days. During this process I have contacted PayPal and PayPal XXXX ( XXXX ) and they have refused to help. Rather than taking responsibility, they will pass me between the XXXX providers ( PayPal says it cant do anything, speak to XXXX ; XXXX cant do anything speak to PayPal ). I am unable to use the credit product for its advertised XXXX promotional financing because failed authorizations are consuming my limit. I have attached the contact history between myself and PayPal. As noted, I spent over XXXX hours on the phone with them over the past XXXX weeks, with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am submitting this complaint because I previously disputed this apartment account, and the investigation came back as accurate, despite multiple inconsistencies and inaccuracies that have not been properly addressed. My official move-out date was XX/XX/year>. I have a signed lease agreement confirming the end of my lease term, as well as email correspondence with the leasing office discussing my move-out due to the lease ending. However, the account is still reporting charges and indicating that I remained a resident through XX/XX/year>, which is inaccurate. I did not reside in the apartment after XX/XX/year>, and I dispute any charges connected to dates after my lease ended and I vacated the property. In addition, the documentation associated with this account contains conflicting information and dates. I also questioned the validity of the signature associated with the account because I do not believe it accurately reflects my signature. Additionally, I noticed that another individuals name appears on the account/lease documentation despite that person never residing in the apartment. This raises further concerns regarding the accuracy and verification of the records being reported. I am requesting a more thorough investigation into this matter because the information being reported appears inconsistent and unsupported by the documentation I possess. Simply marking the account as verified without addressing the evidence and discrepancies I provided does not resolve the dispute. I am requesting : Verification of all lease documents and signatures associated with this account Review of my documented move-out date of XX/XX/year> Review of the lease and email correspondence confirming the end of my tenancy Clarification regarding why charges were continued through XX/XX/year> Explanation as to why a non-resident individual is attached to the account documentation Correction or removal of any inaccurate information being reported Please provide the method used to verify this account as accurate despite the disputed inconsistencies and supporting documentation I provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I checked my credit report on Experian and noticed a negative mark. The collector was listed as ava collections the total was listed as {$4.00}. I called XXXX and the {$4.00} balance is is not showing up in their end. The woman I was talking to then informed me of a {$4900.00} negative mark on my report. She the proceeded to tell me that her company can dispute the {$4900.00} collection. She then told me it would Cost a XXXX fee of XXXX. Experian has a negative mark on my credit for a scam. I need all negative marks removed and my score restored please.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Subject : Executive Credit Line Increase Reconsideration Request XXXX XXXX XXXX To the XXXX XXXX, I am respectfully requesting an executive-level manual review of the credit line increase requests recently submitted for my XXXX XXXX XXXX business credit card accounts ending in XXXX and XXXX. Both requests were declined for a single stated reason : Length of time account ( s ) have been established. While I understand account age is a factor in credit decisions, I respectfully believe that this reason alone does not fully reflect the overall creditworthiness of either my business or my personal guarantor profile. XXXX XXXX XXXX operates in the transportation and logistics industry, where access to working capital is essential for fuel expenses, vehicle operations, maintenance costs, contract fulfillment, and day-to-day business growth. The current credit limits require frequent payments throughout the billing cycle in order to continue using the accounts for normal business operations. My concern is not simply the denial itself, but that the decision appears to have been based primarily on an automated criterion without a comprehensive review of the broader relationship and risk profile. I would respectfully ask Chase to consider factors including : * Perfect payment history on my Chase accounts. * Strong personal credit profile and responsible credit management. * Ongoing business activity and operational cash flow needs. * My desire to continue expanding my banking relationship with Chase. * Demonstrated responsible use of existing credit facilities. When I contacted customer service seeking reconsideration, I was advised that a new hard inquiry on my personal credit report would be required before a manual review could occur. I respectfully request that Chase determine whether a manual review can be conducted using information already available within its existing records and relationship data before requiring an additional hard inquiry. If supplemental documentation is needed, I am fully willing to provide business financial information, revenue documentation, tax records, bank statements, or any other materials that may assist in a complete underwriting review. My objective is straightforward : I am seeking a fair, individualized assessment of my request based on the totality of the relationship rather than account age alone. I value my relationship with Chase and hope to continue growing my business banking activities with the institution for many years to come. For that reason, I respectfully request that a senior credit analyst or underwriter conduct a manual review of both accounts and reconsider the previously issued decisions. Thank you for your time, attention, and consideration. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: CrossCountry Mortgage LLC
State: SC

Complaint narrative:
my mortgage payment for may was chashed but not applied XX/XX/XXXX cashed XXXX check XXXX XXXX check XXXX the XXXX was cashed but not applied check XXXX i need to know were my money went thats XXXX not credited to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XX/XX/2026, my phone was stolen. Immediately went to a PNC Branch at XXXX XXXX XXXX XXXX, XXXX, MD XXXX, and notified an employee that my phone had been stolen and that I was receiving email notifications of fraudulent transactions through my XXXX XXXX. The employee deactivated my existing debit card and issued me a new debit card. Over the evening, I began receiving additional notifications, and my online account was frozen. I went back to the PNC Branch, called a PNC representative, and filed disputes on unauthorized transactions totaling over {$1000.00}. Within a few weeks, I received a letter from PNC Bank, dated XX/XX/2026, stating that they had resolved the dispute investigations and found me liable for {$1100.00} worth of unauthorized transactions. Since then, I immediately contacted PNC Bank to file another dispute. According to Regulation XXXX of the Electronic Funds Transfer Act ( 12 CFR 1005.6 ), consumer liability for unauthorized transfers resulting from a lost or stolen device is strictly capped if the device is reported promptly. I am requesting that PNC provide transaction details that justify the denial due to a pattern of use, and ask them to reverse the denial of my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) thatDisputeXXXX $ you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I requested, and it was approved to remove Escrow from my mortgage payment. There is a balance of Escrow that UWM is still holding. I'm requesting the refund of full amount of Escrow to be reissued via ACH or expedited delivery. This has gone on for way to long.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Colony Brands, Inc.
State: NV

Complaint narrative:
A family member order my son a XXXX basket, and a buy now, pay later credit account was created in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
What happened : On XX/XX/year> XXXX XXXX repossessed my vehicle, VIN [ XXXX ]. The vehicle was sold at auction on or around XX/XX/year>. Violation 1 UCC 9-611 Failure to Provide Notice of Sale : XXXX XXXX failed to send me a written " Notice of Disposition of Collateral '' at least XXXX days before the sale as required by UCC 9-611 . I never received any written notice by mail or email. Because XXXX XXXX did not provide the legally required pre-sale notice, they are barred from collecting any deficiency balance under UCC 9-626. Violation XXXX FDCPA 1692e False/Misleading Representations : On or about [ XX/XX/year> & XX/XX/year> ], a XXXX XXXX representative told me verbally that paying $ [ XXXX plus towing fee ] would cure my default and reinstate my loan, preventing repossession. I relied on this statement and obtained the funds. When I called on XX/XX/year> with funds I was told that the price u was given was only if approved that the new amount needed to be paid was the full amount of {$21000.00} n I had XXXX more days before it would be sold at auction when I first called on XX/XX/year> I was told I would receive a notice of sale in mail letting me know location of vehicle and auction the car was taken from tow yard before XXXX days was up I lost all my belongings in vehicle When I contacted them on [ XX/XX/year> ], a different representative refused reinstatement and demanded the full loan balance of approximately {$20000.00}. This bait-and-switch is a false and misleading representation about the character and amount of the debt, violating FDCPA 15 USC 1692e XXXX What Ive tried to resolve : On [ XXXX ], I emailed XXXX XXXX disputing the deficiency and requesting proof of Notice of Sale. I have received no response to date. What I want : Immediate cessation of all collection activity on the alleged {$20000.00} deficiency balance Deletion of the tradeline from XXXX XXXX, and XXXX within XXXX days Written confirmation that the deficiency balance is {$0.00} and the account is closed Investigation into XXXX XXXX XXXX deceptive reinstatement practices I have documentation of the repossession and my email dispute. XXXX XXXX failure to follow UCC 9-611 makes this debt uncollectible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: UT

Complaint narrative:
Issue : I received a personal loan offer through Credit Karma that was materially inaccurate compared to the final terms provided by the lender, XXXX XXXX. The offer displayed in the Credit Karma app showed a {$6000.00} loan at a XXXX term with an estimated payment around XXXX XXXXXXXX. After applying, XXXX changed the terms to a XXXX loan with a payment over $ XXXX. XXXX later made a partial adjustment to reduce the payment to about XXXX XXXX, but the final terms remain significantly worse than what Credit Karma displayed . Because the term was shortened and the APR increased, the total interest cost increased from roughly {$3000.00} under the original offer to over {$5000.00} under the revised terms. This is a substantial financial impact. Lenders Statement : XXXX management informed me directly that they could not match the original terms after the hard pull and that the discrepancy originated from how the offer was displayed on Credit Karmas side. They explicitly advised me to contact Credit Karma for resolution. Credit Karmas Response : Despite multiple attempts, Credit Karma refused to escalate the issue to their Partner Management or Compliance teams. They provided only generic policy statements and denied access to the offer details, even though the offer was displayed on their platform and generated through their partner data feed. They did not address the lenders statement that the discrepancy came from Credit Karmas side. Additional Concerns : Credit Karma continues to send me new loan offers even after I accepted this loan, raising concerns about the reliability of their prequalification system and whether their marketing practices are misleading. The Credit Karma Guarantee appears ineffective when the final terms differ so drastically from what was shown. Harm : The inaccurate offer resulted in a materially worse loan, higher monthly payments, and over {$2000.00} in additional interest costs. I relied on the terms displayed by Credit Karma when deciding to apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ASTA FUNDING INC.
State: NY

Complaint narrative:
Palisades Collection LLC is engaged in predatory and illegal collection activities on a debt that originated with the closed XXXX XXXX XXXX XXXX. This underlying debt was investigated by the U.S. Department of Education and completely discharged via an approved Borrower Defense claim. I sent a certified dispute letter with the federal discharge approval notice, which was delivered to Palisades. Palisades has ignored the dispute and is illegally withholding my physical college diploma as a tool to coerce payment on a legally null-and-void balance, which directly violates the FDCPA and New York State Education Law 640 . Please close this fraudulent collection file and mail my physical diploma property immediately.

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 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am submitting this complaint regarding Capital Ones closure of several of my personal and business-related credit accounts in XX/XX/year>. I have maintained a long-standing relationship with Capital One for many years and consistently made payments on time. At the time the accounts were suspended and closed, several accounts had low balances or were paid in good standing. Despite this, Capital One abruptly closed multiple accounts simultaneously and later stated the closures were based on business concerns and activity inconsistent with typical customer account usage, while also stating the decision was not related to my creditworthiness. I requested clarification and reconsideration because these closures negatively impacted my personal and business financial operations, available credit, utilization ratios, and consumer credit profile. I also expressed concern regarding the reporting of these closures to the credit bureaus and the resulting damage to my credit standing. Capital One refused to reopen the accounts and declined my requests for further explanation or compensation. In written correspondence, they confirmed that the closures were not based on creditworthiness, yet negative account closure information was still reported to the consumer reporting agencies. There has also been confusion regarding mailing addresses associated with my complaints due to business mailing addresses and company-related correspondence. To clarify, I am the same consumer associated with the prior complaints and accounts. Any address differences were related to business and mailing variations connected to my companies and not an attempt to provide inconsistent information. I am requesting that this complaint be reviewed as a continuation of my prior CFPB complaints and supporting documentation. I respectfully request : 1. A full review of the account closures and reporting practices ; 2. Confirmation that all information being reported to the credit bureaus is accurate and compliant with applicable law ; 3. Investigation into the damage caused to my credit profile and financial standing ; 4. Copies of any records or internal documentation supporting the stated reasons for closure ; and 5. Any additional relief deemed appropriate after review. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 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:
XX/XX/year> LVNV Funding has been trying to collect a debt of {$2200.00} that does not belong to me. This account has been added to my credit report and has lowered my score tremendously. Please remove this collection from all 3 credit bureaus as soon as possible please

Company response to consumer: Closed with explanation