vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
We wanted to Enroll in Planet lending 's XXXX XXXX mortgage payment system in XX/XX/XXXX. Paid our 1st Scheduled Payment. In Advance before Official due date of XX/XX/XXXX, in Full. They subsequently Approved our enrollment. We got a letter affirming the Action would start soon in XXXX. Our XXXX Payment, we assumed, would be the First Budget i.e, bi-weekly one. We were startled to see an Advance Payment come out of our Bank Acct on XX/XX/XXXX ; with another one due to be Deducted on XX/XX/XXXX ; and future ones to be made every 14 days. We have Never had this happen to us before with any other Mortgage XXXX!! Owned and paid on homes since XXXX!!! 
We will have made 3 Payments to this Lender ; All in Advance of Scheduled Due dates, in just the the XXXX Month of being Serviced by this Lender! It has put our Finances in total disarray, as of the XX/XX/XXXX deduction. Additionally, we made a change to our ESCROW Acct on XX/XX/XXXX, when we learned that we've been Over paying for Home Owners Coverage! 
This is a different matter ; just mentioned it because it portends to be another item of future concern. Lastly, we can not continue to Pay this Mortgage in this manner ; and I requested cancellation from their XXXX XXXX XXXX on XX/XX/XXXX when talking with their Company Representative. I had to go to an email ink to do so. I have that Confirmation that their Customer Service Department did Receive this request, later that day, XX/XX/XXXX. We intend to honor our Monthly Payment through 6 months and find another Mortgage Service, A VA one that we have used before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FourLeaf Federal Credit Union
State: NY

Complaint narrative:
I maintained a three-year auto lease with automatic payments and a flawless payment history. All monthly payments were made on time through autopay. 

At the end of my lease, I did not receive a bill for an approximate {$460.00} lease-end charge. Instead, I received a statement showing an incorrect full balance due of approximately {$36000.00}, which was inaccurate and caused confusion regarding the actual amount owed. 

I did not receive proper billing notification for the {$460.00} charge. No calls, emails, or corrected statements were sent. Approximately XXXX months later, I finally received a notice regarding the {$460.00} balance, and I immediately contacted the company and paid the amount in full on the same day. 

Despite my perfect three-year payment history and immediate payment upon notification, the company reported the account as delinquent to the credit bureaus. This caused my credit score to drop significantly from approximately XXXX to XXXX. 

I am requesting a goodwill adjustment and removal of the late payment reporting due to lack of proper notice, incorrect billing information, and my otherwise flawless payment history. I believe the reporting does not accurately reflect my creditworthiness and has caused substantial and disproportionate harm

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 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting by Comenity Bank related to a XXXX XXXX store credit card account. The account was previously disputed through a credit reporting agency and was verified as accurate ; however, no documentation was provided to me demonstrating how the reported account history and payment information were validated. 

The account is reported as closed with a zero balance, yet historical derogatory information continues to negatively impact my credit profile. I requested verification including payment history, date of first delinquency, and documentation supporting the accuracy of the reporting, but no supporting documentation was provided directly to me following the investigation. 

Under the Fair Credit Reporting Act, furnishers are required to conduct a reasonable investigation and maintain reporting that is accurate and verifiable. Because the company verified the account without providing substantiating documentation, the continued reporting is disputed as unverifiable and potentially inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I am filing a formal complaint against XXXX  ( PayPal Holdings , Inc. ) regarding the retaliatory deletion of my financial account by a support agent and the unprofessional conduct of their management. 
On XX/XX/year>, during a support chat, I had a disagreement with an agent named 'XXXX XXXX After I made a sarcastic comment, the agent ended the chat. I did not request to close my account. Shortly after, I received a notification that my account was deleted 'upon request. ' This is a lie. The agent falsified company records to cover up a retaliatory deletion. 
I immediately called support. A male agent agreed the deletion appeared unauthorized. I then spoke to a female supervisor who admitted that XXXX likely deleted the account out of 'frustration. ' However, she stated she could not discipline him because she was not his direct supervisor, though she claimed she would notify his boss. 
Most shockingly, during this serious conversation, the supervisor laughed and stated, ' I know it's not funny, but excuse me if I laugh. ' She feigned concern while clearly dismissing the severity of an agent maliciously destroying a client 's financial access. 
Although XXXX  eventually restored the account, the restoration was botched, leaving the account restricted. Furthermore, their email support has refused to address the misconduct, simply stating the account is 'open ' without explaining how a rogue agent was allowed to terminate my banking relationship. 
This was malicious employee misconduct followed by management negligence. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Date : XX/XX/year> To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Subject : XXXX XXXX XXXX Dear XXXX XXXX XXXX, I am writing in response to your attempt to collect the debt referenced above. This letter is to formally dispute the validity of this debt as provided under the Fair Debt Collection Practices Act ( FDCPA ). 
I request that you provide proper documentation to verify that I am legally obligated for this debt. Until such documentation is provided, you must immediately cease all collection activities related to this account, including but not limited to phone calls, letters, and credit reporting.

Specifically, please provide : Proof of the original creditors name and address The full account number associated with the debt Documentation of my legal obligation to pay An itemized accounting of the alleged balance If you are unable to verify the debt with the requested documentation, please consider this account invalid and closed. Furthermore, any continued collection activity without proper validation may constitute a violation of my consumer rights.

I request a written response to this letter within 30 days of receipt. Please also note that any communication regarding this matter must be in writing and sent to the address listed above.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding Portfolio Recovery Associates continued reporting and collection activity related to an alleged credit card debt. I previously disputed this account and requested validation of the debt, including documentation demonstrating Portfolio Recovery Associates legal ownership of the account, the full chain of assignment from the original creditor, the balance calculation, payment history, and confirmation of the date of first delinquency. 

The company verified the account through the credit reporting agency but did not provide documentation directly to me supporting ownership of the debt or substantiating the accuracy of the reported balance. Without proper validation, continued collection activity and credit reporting may constitute a misrepresentation of the debt. 

Under the Fair Debt Collection Practices Act and Fair Credit Reporting Act, a debt collector must be able to substantiate the debt and ensure reporting is accurate and verifiable. Because adequate validation has not been provided, the continued reporting and collection of this account is disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
No reason behind trying to chat about the debt. Please remove all information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion ignored my dispute requests saying that the debt has been validated to them but have failed to prove the validation to me. When I submitted my dispute they immediately responded saying that new information had to be shown or the request would not be looked into. I submitted with new information and they sent back information saying that the Unfortunately, we did not receive dispute results for this account. To ensure that you have the most complete and up to date information, please visit www.transunion.com/get-credit-report to view a free copy of your current credit report but have refused to remove the negative information from my credit report

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 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
Remove the account immediately due to identity theft this should not be reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
For the last year, my credit card company has called me monthly for probably 6 to 8 months freezing my card until I call them, then they demand I send them a face video. Then they will talk to me. They claim that they are flagging some possible fraudulent activity. It is always with the same merchant ( Gotquestions.org aka XXXX ). I tell them to white-list the merchant since I am intentionally paying this merchant a recurring donation monthly. They call me every month and we go through this same process, taking 30 minutes of my time. I ask them why they won't whitelist the merchant and they tell me that their fraud system is flagging them. One supervisor even told me to find another way to pay this merchant. They take notes about my frustration, but won't change this intimidating and discriminatory practice. I've written a letter to their corporate location, giving them 15 days to rectify this or I will file a complaint with the CFPB. I received a text saying they received my letter and would look into it. That was a month ago. Since then, they have again frozen my credit until I call and give them the approval for this merchant. This is my credit card. They have no business bullying me into : giving them a video of my face or refusing a merchant I monthly tell them is " okay to pay. '' Please help, punish, fine or do something to get them to listen to their customer. I've been with them for over ten years and this just started last year.

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 2026-02-16 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: NV

Complaint narrative:
XXXX CFPB Complaint Statement Subject : Complaint Failure to Properly Investigate Unauthorized Overcharge I am filing this complaint regarding my credit card issuers failure to properly investigate a billing error under the Fair Credit Billing Act. 
I was charged {$310.00} by XXXX XXXX XXXX XXXX. However, I possess the signed merchant receipt reflecting an authorized amount of {$100.00}. The posted charge exceeds the authorized amount by {$200.00}. 
I submitted the signed receipt to the card issuer as evidence. The issuer responded that the merchant considers the charge valid and refused to issue a credit. The issuer did not provide : A copy of any signed authorization for {$310.00} Any explanation for the discrepancy Documentation showing a lawful basis for increasing the charge The issuers position appears to rely solely on the merchants assertion rather than a reasonable investigation as required by federal law. 
This matter concerns an unauthorized overcharge, not a refund request or dissatisfaction with services. 
I request that the issuer be required to : 1. Provide documentary proof that I authorized {$310.00} ; or 2. Reverse the unauthorized {$200.00} overcharge. 
I have provided copies of the signed receipt, final invoice and letter from manager. 
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 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
Chime let me transfer {$1000.00} into my Chime account. But then when I tried to add more money, they wouldn't let me. So I tried transfering the {$1000.00} out, they wouldn't let me. So I called support, they were rude as XXXX and hung up on me twice, then refused my third call when I tried to call back. They refused to help just saying it was someone elses problem. 
I was eventually able to get my {$1000.00} out, ( the trasnfer should finally be pending now, hopefully )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX SC XXXX SSN ( last 4 ) : XXXX FORMAL NOTICE OF DISPUTE & DEMAND FOR DELETION This collection account is unlawful and improperly reported. 

LEGAL VIOLATIONS 1. Unvalidated Collection Reporting NCB reported this account without providing validation, violating 12 CFR 1006.34 ( d ).

2. False, Misleading, and Deceptive Reporting This constitutes a violation of 15 USC 1692e.

3. No Authority to Furnish A collection agency may not furnish data without providing all required disclosures, including proof of assignment and licensing.

4. FCRA ViOLATIONS Reporting unverifiable data violates 15 USC 1681e ( b ) and 1681s-2 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am disputing the late payment ( s ) reported on the above-referenced account. The information being reported is inaccurate and does not reflect my true payment history.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), all reported information must be complete, accurate, and verifiable. I dispute the late payment notation ( s ) as they are either reported in error, misapplied, or fail to account for timely payments made.

Please provide documentation verifying : The exact dates payments were allegedly late Proof that payments were not received on time A complete and accurate payment history Evidence that the late status was correctly applied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I am filing a complaint regarding an improper and premature {$30000.00} debit applied to my checking account in Chase Bank, which caused my account to show a large negative available balance despite no fault on my part. 
On XX/XX/year>, when my account balance was {$15000.00}, I deposited funds at a bank ATM located in XXXX, TN. The deposit included {$700.00} in cash and a {$30000.00} check. The cash deposit was posted correctly. The {$30000.00} check was placed on hold with an availability date of XX/XX/year>, and was not credited to my account. 
Despite the check being on hold and unavailable, on XX/XX/year>, my account was debited {$30000.00}, with a transaction description indicating that an item was processed more than once. This debit occurred before the check funds were credited or made available, causing my available balance to become negative and my account to appear overdrawn. 
This action exposed me to significant financial harm, including risk of overdraft fees, transaction denials, and loss of access to funds that were rightfully mine. The debit was applied without proper authorization and without the corresponding availability of deposited funds. 
Upon noticing the error on Wednesday, XX/XX/year>, I immediately contacted customer service and was told the issue would be corrected within 2448 hours. No correction occurred. On Friday, XX/XX/year>, I contacted the customer service again, and was told that the {$30000.00} had allegedly been deposited to someone else. I was issued a ticket number and instructed to call back the following Tuesday, XX/XX/year>, Despite this, no provisional credit was issued and no immediate corrective action was taken. 
I also visited a branch in person on Friday, same day, and was told the action was taken for customer safety. However, the bank failed to protect me as the customer and instead removed my access to funds while leaving my account in a severely negative available balance. 
This appears to be an accounting error and improper withdrawal, inconsistent with required error-resolution procedures. Debiting funds that were never made available, while simultaneously placing the deposit on hold, is unreasonable and caused avoidable financial distress. 

As of XX/XX/XXXX, XXXX XXXX, I haven't been reached by the bank or problem solved. My account balance is $ XXXX with my deposited salary this week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had a debt owed to a Macys Citibank credit card. This was charged off and sold to XXXX XXXX XXXX, who then sent it to XXXX XXXX  XXXX XXXX. XXXX XXXX  XXXX offered a settlement of the debt to avoid legal action which I took, and will provide proof. I have paid my settlement and now XXXX XXXX XXXX refuse to report my account as settled to my credit even though I have paid my settled 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 2026-02-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DE

Complaint narrative:
On XX/XX/XXXX I purchased a new XXXX XXXX 2025 The sales manager added extended warranties on top of a factory warranty which made the vehicle cost go more than what it supposed to be if he had never sold me those extended warranties I asked the finance company to refinance with the proper amount with the warranties removed off of the contract they said no and that the monthly payments will stay the same.

After they reimburse me for the extended warranties they said that the money will go on back of the contract

Company response to consumer: Closed with explanation