vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
The debt is for solar panels on a home that was foreclosed in XX/XX/year> by the VA and sold to a company. I have explained that information and stated that I homeless and unemployed. I have provided that company with new owner information and get XXXX calls daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent this in an email and certified letter to Fifth Third Bank that recwived by them Monday XX/XX/XXXX : This letter serves as formal notice that Fifth Third Bank has wrongfully repossessed my vehicle, XXXX XXXX XXXX, in the early morning of Friday, XX/XX/XXXX. Factual Basis of Dispute : My account was current at the time of the wrongful repossession. I have proof of all payments for the past 24 months. We send each payment by check with the payment stub supplied by the bank and track your bank deposits of those checks with our bookkeeper. Our three most recent payments as of Thursday, XX/XX/XXXX : XX/XX/XXXX - Cashed by Fifth Third for the payment of XXXX XX/XX/XXXX - Cashed by Fifth Third for the early payment of XXXX XX/XX/XXXX - Received by Fifth Third for the payment of XXXX XX/XX/XXXX - Cashed by Fifth Third for the payment of XXXX Specifically : Payment Sent : My most recent payment of {$690.00} was sent via Certified Mail and received by Fifth Third on Tuesday XX/XX/XXXX. Payment Received : Certified Mail receipt shows the Fifth Third received this payment on Tuesday, XX/XX/XXXX. Payment Processed : The Fifth Thirds own records show this check was cashed during business hours on Thursday, XX/XX/XXXX. Wrongful Action : Despite the account being current, the vehicle was repossessed just hours later. Firth Third Banks Claims : The bank 's claims that we were delinquent by over 60 days are unfounded. We called customer support on Friday, XX/XX/XXXX and spoke to several representatives, including XXXX who said he is a manager. None were able to find where the delinquency occurred or could share documentation of such delinquency. We in fact went back over 1 year with the associates and they could not find any such time where we were over 60 days delinquent. During this call we requested that our vehicle be released due to the insufficient evidence that our account was delinquent on XX/XX/XXXX. This request was denied. During our call on Friday XX/XX/XXXX we were told to pay the sum of {$1300.00} to bring our account current in order to start facilitating the release of the vehicle. We paid this amount on Friday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I accidentally sent XXXX dollars to the wrong person on cash app literally seconds later I called cash app letting them no I requested a refund from the person I sent it to the transaction was pending for two weeks and no cash app wont give me my money back after I did everything I was supposed to do and this transaction was with someone Ive never sent money to he wasnt in my contacts or anything like that

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am disputing a XXXX account ( Acct # XXXX ) reported by Credence Resource Management . This account was allegedly opened on XX/XX/year>. I have no record of this account and have never authorized service with XXXX On XX/XX/year>, I contacted Credence to request the original signed service agreement. Their representative admitted they do not have the contract and instructed me to contact XXXX myself to find it. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, the legal burden to verify a debt and provide a validation notice lies solely with the debt collector. Furthermore, I am providing proof of my active service and high-balance payments to my primary carrier for XXXX and XX/XX/year>. It is factually impossible for me to be the owner of this XXXX account, as I am calling from my verified primary device, yet the collector claims I am calling from the XXXX number in question. Since the collector can not provide the required legal validation ( the signed contract ), the account must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/year>, I was booking a flight with XXXX. I applied for a Amex XXXX XXXX, in order to the get the statement credit rewards tied with booking a XXXX XXXX. The application said that if I were approved for the card, I would get an instant card number in order to continue with booking the flight. So I applied for the card, and was approved with a soft credit check. Then I was given the option of accepting the card, which would result in a hard credit check and the card appearing on my credit. I obviously would not have the instant card number without accepting the credit card. So I accepted the credit card, on the condition that I would get an instant card number to complete my booking -- this was stated on the website, that if approved, I would get an instant card number. So I accepted, again on the condition that I would get the instant card number. One I accepted, I was instantly sent an email with simply the last 6 digits of the card ; NO instant card number, and no way to complete the flight booking. I spent hours on the phone with Amex, to no avail. I felt deceived into accepting a credit card under false conditions. It was clearly advertised that if XXXX was approved for the card, they would get an instant card number to complete booking. Why would someone apply for a credit card as a final step before booking a flight if they had to wait XXXX weeks to complete the booking? The only reason to apply for a credit card in the midst of booking a flight is if one can use that credit card that moment, to book the flight. I was tricked into accepting a credit card. And now my credit score has taken the hit. Amex has not fulfilled the conditions they laid out. Even if I cancel the card, my credit score was impacted. This is deceptive business practices by Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I purchased XXXX web services through my PayPal account. Due to an increase in cost, I decided not to proceed with an additional year of service. The full annual charge was processed through my XXXX account on XX/XX/year>, after which I requested a refund that was initially denied. On XX/XX/year>, I received an email from XXXX ( XXXX # XXXX ) confirming that my account had been canceled, services were no longer available, and a refund of {$140.00} had been issued, with an expected processing time of XXXX business days. After not receiving the refund, I followed up with XXXX on XX/XX/year> ( same case/email chain ). At that time, I was informed the refund had been sent to PayPal and that I would need to contact PayPal directly to complete the process. However, my PayPal account reflects no such refund. I contacted PayPal the same day and provided all supporting documentation from XXXX confirming the cancellation and refund issuance ( Case # XXXX ). On XX/XX/year>, PayPal denied my refund request, stating that services were received. This is incorrect. XXXX canceled my services on XX/XX/year> per my request, and I have not received or used any services since that time. At this point, I have been charged for a full year of service that I do not have access to, and neither XXXX nor PayPal has resolved the issue. I am requesting immediate assistance to recover the {$140.00} that was confirmed as refunded but has not been received. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Subject : Additional Supplement to Complaint Further Credit Limit Reduction and Potential Over-Limit Reporting Dear Sir or Madam, I am writing to supplement my existing complaint currently under review with the Consumer Financial Protection Bureau regarding actions taken by American Express on my account. On another credit card on XX/XX/XXXX., I received an additional communication from American Express informing me of a reduction to my preset spending limit. What is particularly concerning is that the newly reduced limit has been set approximately {$5000.00} below my current outstanding balance. This action appears to immediately place my account in an over-limit status, not as a result of new spending activity, but solely due to the credit limit reduction itself. Based on prior experience with recent actions on account ending XXXX I am concerned that this may result in additional negative credit reporting, including utilization levels exceeding 100 %, which could further impact my XXXX score. As previously documented, similar actions have already resulted in a measurable decrease in my credit score. I respectfully request clarification on the following : 1. Whether this reduction will result in the account being reported as over the limit to credit bureaus. 2. Whether additional negative reporting has already occurred or is anticipated. 3. The specific factors that led to this decision, particularly in light of my long-standing history as a card member since XXXX with no late payments. Given the timing of this action, occurring while my prior complaints are still under review, I request that this matter be carefully evaluated to determine whether the sequence of actions is consistent with standard risk management practices. For completeness, I am attaching all prior related communications to ensure a full and accurate record of events. I remain concerned about the cumulative impact these actions may have on my credit profile and financial standing. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX XXXX Ct, XXXX, NJ XXXX XXXX XXXX Last four digits of Account:XXXX and XXXX Encl.s communication received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a 30-day late payment being reported on my account. I have sent multiple goodwill adjustment requests via certified mail to Comenity Bank, including letters sent to multiple departments. The most recent letters were delivered on XX/XX/year>, and I have proof of delivery. However, I have not received any response. This late payment was an isolated incident and does not reflect my overall payment history. I have otherwise maintained my accounts responsibly and have taken immediate action to bring the account current. This is not a dispute of accuracy, but a request for a goodwill adjustment based on my history as a customer and the circumstances surrounding this one-time issue. I am requesting that Comenity Bank review my account in good faith and remove this late payment as a gesture of goodwill. Additionally, I am concerned about the lack of response despite multiple certified communications, and I am requesting a formal review and response to this matter. This negative reporting is currently impacting my ability to obtain financing, and I am actively working to improve my credit profile. I am specifically requesting that this 30-day late payment be removed from all credit reporting agencies XXXX XXXX XXXX XXXX XXXX ) as a one-time goodwill adjustment. Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX trying to collect a debt on something they paid for when they said it wasnt gon na pay for and its not my debt Additional information provided by consumer : XXXX Consumer would like to send this complaint to Caine & Weiner the debt collector

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Attempting to deposit {$500.00} in the ATM at the Chase branch XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX, the screen registered XXXX, she cancelled the transaction and it only returned XXXX not the XXXX she deposited. She went inside and they acted like she was crazy and refused to communicate with her or review the footage or provide any details on how to make a complaint. Then she called XXXX and they hung up on her. The principle of my {$20.00} and no one caring enough to look into the footage or the ATM eating {$20.00} is unfair and dishonorable. I want my {$20.00} back from the ATM. This took place XXXX XXXX XXXX and we took a photo of the ATM at the time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or Online Submission ] Subject : Formal Complaint Against OneMain Financial Account # XXXX Dear Sir or Madam, I am writing to file a formal complaint against OneMain Financial regarding my loan account ( Account Number : XXXX ), which was opened on XX/XX/XXXX. I am experiencing concerns with this account that I believe require investigation and resolution. Specifically, I would like to bring attention to the following issue ( s ) : Despite my attempts to resolve this matter directly with OneMain Financial, I have not received a satisfactory response or resolution. I am requesting that the XXXX XXXX XXXX review this matter and assist in reaching a fair resolution. I would appreciate assistance with the following : A full review of my account history and transactions Clarification and correction of any discrepancies A written explanation regarding the issue I have attached any relevant documents to support my complaint. Thank you for your time and assistance in this matter. I look forward to your response and a prompt resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am filing a complaint against Truist Bank regarding multiple missing Social Security deposits. I receive Social Security benefits through direct deposit. The Social Security Administration has confirmed and provided proof that four separate payments were successfully deposited into my Truist bank account. I went to a Truist branch to request removal of a joint account holders name. Instead of completing this request, my account was closed. Since that time, I have not had access to my funds and have not been informed of their location. Despite having proof that these deposits were accepted by Truist, I have been unable to obtain any clear answers from the bank. My attempts to resolve this issue include : Visiting a branch where I was refused assistance because I do not speak XXXX Visiting another branch where I was told my name does not match the account and no further assistance was provided Repeated efforts to determine where my Social Security funds are currently being held At this time, Truist Bank has accepted XXXX federal benefit payments and has failed to provide access to the funds or explain where they are. I am requesting : A complete trace of all XXXX Social Security deposits The exact current location/status of each deposit Immediate release of all funds owed to me A written explanation of why my account was closed when I only requested removal of a name A written explanation regarding denial of service due to a language barrier These are federally protected Social Security XXXX XXXX and the lack of access to these funds is causing financial hardship. I am requesting urgent resolution.

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 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I previously submitted a complaint regarding this company. Since that time, my attempts to contact them to resolve and validate the debt have been unsuccessful, and my phone number now appears to be blocked. This has prevented me from communicating with the company while the account continues to be reported on my credit file. I am willing to resolve any legitimate obligation but am unable to do so due to the lack of access to the company. I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX in connection with a collection account they are reporting on my credit file. I have made multiple attempts to contact this company to obtain information about the account, request validation, and discuss possible resolution options. However, my phone number appears to have been blocked, preventing me from communicating with the company. As a result, I have been unable to verify the details of the alleged debt or work toward resolving the matter. I am not refusing to pay any legitimate obligation. I am willing to resolve this account ; however, I first need to ensure the accuracy and validity of the information being reported. At this time, I have not been provided with sufficient documentation to confirm the debt, including details from the original creditor, itemized balance information, or proof of the companys authority to collect. Despite my inability to communicate with the company, the account continues to be reported on my credit report. This places me in a position where I am unable to verify or resolve the account, which I believe is unfair. Under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, I have the right to request validation of a debt and to have accurate, verifiable information reported on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Maximus Federal Services, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, This letter is a formal request for the Method of Verification regarding the account that I previously disputed on my credit file. I received notice that the account was verified. However, the response failed to provide the specific method used to verify the alleged debt. Under the Fair Credit Reporting Act, XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) ( iii ), a consumer has the right to request a description of the procedure used to determine the accuracy and completeness of the information, including the name, address, and telephone number of any furnisher or person contacted during the investigation. Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ), you are required to provide the XXXX of XXXX within XXXX ( XXXX ) days of receiving this request. I am requesting the following information : XXXX. The name, address, and telephone number of the party contacted to verify the account. XXXX. The date and time of the verification. XXXX. The method used to verify the information ( electronic verification, documentation review, or other ). XXXX. Copies of any documentation used to verify the alleged debt. Additionally, pursuant to XXXX XXXX. XXXX ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information reported. A simple automated response or e-OSCAR system confirmation does not constitute a reasonable investigation. If you can not provide competent evidence of verification, including the documentation used, then the account must be deleted from my credit file immediately for failure to comply with the Fair Credit Reporting Act. Failure to comply with this request will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies for violations of the Fair Credit Reporting Act. Please provide the requested information within the time allowed by law. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation