vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
I am receiving collection attempts against my XXXX daughter by Merchants & Medical Credit Corporation on behalf of XXXX XXXX. I contacted them by phone and they were unwilling to provide any assistance or even a statement they would look into the issue. The only statement received from the woman on the call was " we were not notified of any payment. '' Despite it being the company 's legal obligation to verify the debt, and despite me explaining the debt was paid, she made no indication the issue would be resolved and apparently intends to continue improper collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Since XX/XX/XXXX, Ive been trying to resolve ongoing issues with my PayPal balancesone non-promotional ( accruing interest ) and one promotional ( six months payoff ). In XX/XX/XXXX, I paid {$700.00}, intending to clear the {$260.00} promotional balance, but PayPal misapplied it. In XXXX, a manager told me my non-promotional balance was {$310.00}, but in XXXX, another agent said {$390.00}. During that XXXX call, the representative found a {$120.00} discrepancy they couldnt explain. I called back again later, but no one could clarify. Rather than investigating properly, they started citing irrelevant information from a XXXX statement that made no sense. Despite my careful instructions and attempts to fix the issue, errors persisted. PayPal repeatedly failed to listen, and when problems arose, they blamed me. I need the CFPBs help to ensure these balances are finally corrected and properly managed.

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 monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
yes i was dealing fraud and my identity being stolen and also cyberfraud and cyberhacking as well too. how i lost my car is through cyberfraud and also my XXXX account too as well and also. XXXX was posts and other stuff was hacked as well too like keep seeing negative posts too that's all i see so yeah. So pretty much i don't posts anything at all on XXXX too

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 2026-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I CHECKED MY CREDIT REPORT AND I HAD A FEW ACCOUNTS ON MY CREDIT REPORT THAT I DID NOT DO. IT WAS OVER 5 ACCOUNTS

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 2026-05-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2026, I mistakenly made a bill payment in the amount {$2700.00} to a closed credit card that I had with chase ending in XXXX. I immediately identified the error and asked them to stop the payment to the close account which they said they couldn't do? I then asked if they could immediately refund the payment which they said would take 20 days. I asked why it takes them 1 day to process a payment and 20 days to process a refund, and they couldn't provide a logical answer. Chase also sent me letter stating that they would transfer the funds back to my bank within 20 days. It has now been over 20 days, and I still have not received payment from Chase? I followed up again with customer service on XX/XX/2026 and they said that they are still processing the refund. It appears that Chase has now decided to retaliate against me for filing the complaints with CFPB by taking longer than necessary to process my refund because of my complaints. I had been a customer with Chase for many years and feel that the foot dragging on my refund and their responses are lacking. I asked customer service again if they were going to hold my payment for 20 days, now going on 25 days, that they pay me interest for the money that they were holding? I am asking for the CFPB to review Chase 's refund policies that they are not even following themselves, to help expedite the return of my funds, and to suggest and support legislation that makes credit card companies expedite refunds to their customers promptly in order to prevent something like this happening in the future to other consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CO

Complaint narrative:
IQ Data XXXX RE : Formal Dispute, Cease Collection, Request for Validation, and Complaint of Misconduct To Whom It May Concern, I am writing regarding an alleged debt your company is attempting to collect. This debt is formally disputed in its entirety. It was previously dismissed in court and is associated with a lease impacted by documented XXXX XXXX. Any continued attempt to collect this debt may violate protections under the Violence Against Women Act as well as applicable Colorado tenant protections. Despite this, your company continues collection efforts. Additionally, during my recent communication with your office, I spoke with a representative identified as XXXXl, whose conduct was unprofessional and concerning. During this interaction : * I was refused the ability to make a payment * I was refused my account number, preventing me from resolving or verifying the alleged debt * I was told that the representative could do whatever they want and nothing will happen * I was subjected to discriminatory and inappropriate remarks * I was quoted a balance that does not match what is reported to all three credit bureaus as of XX/XX/year> These actions may constitute violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, including but not limited to misrepresentation of a debt, failure to provide required information, and engaging in abusive or deceptive practices. At this time, I am demanding the following : 1. Immediate cessation of all collection efforts on this account 2. Full debt validation, including the original creditor and a complete breakdown of the amount claimed 3. The account number associated with this alleged debt 4. A written explanation for the balance discrepancy between your records and what is reported to the credit bureaus 5. Written confirmation that this account has been closed and will not be pursued, given the prior court dismissal If your company believes this debt remains valid, you must provide full legal documentation supporting your claim despite the prior court dismissal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: MD

Complaint narrative:
contacted Spring Oak Capital and informed them that this alleged debt does not belong to me. I specifically advised them that the account associated with this debt, including the account number and routing information they are relying on, is not mine and does not belong to me. I made it clear that this is a case of identity theft and unauthorized use of my personal information. Despite being notified directly, the debt continues to be reported and verified without valid proof. This further shows that both the furnisher and XXXX are relying on inaccurate and unverified information while continuing to damage my credit. and let me make it clear a payment from a account and routing is not proof of this debt being mines. I never made any payments to you with my account and routing number. that is a scammer pretending to be me to keep the car of whoever they bought it from. STOP REPORTING THIS IDENTITY THEFT DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Comerica
State: GA

Complaint narrative:
Re : XXXX XXXX : XXXX to present ( XXXX ) XXXX and going forward : I started having problems receiving cash from my XXXX Georgia bank ATM. I tried 4 times. Called XXXX XXXX. Waited on line for well over an hour. Told to go to a different ATM. I did and still no access to my Social Security benefit ( cash ). Called XXXX XXXX again. Waited one hour. Told to go to XXXX. Went to XXXX and had to make 10 purchases to get {$100.00} cash back each time. I also advised XXXX XXXX that I was going out of the country for several months. I was told once I arrived in the country. ( XXXX ) to attempt a purchase. Told it would be declined. Then advised to call them within 2 hours and they would opt me in and I would be able to use card at any ATM or establishment. I did that. Went to a bank ATM. XXXX, Could not get cash. I tried 3x. Called XXXX XXXX. Waited another hour. Told to try another ATM. Did that. No cash. Now Im in a foreign country without access to cash!! I am now very upset. Called my family. They deposited some funds in my actual bank account in the US. I tried a bank ATm several days later. No cash. I needed to pay the manager of the property where I was staying. Explained the problem. He understood and was very patient. By now my level of XXXX was very high. I decided to test the card to pay a few utility bills here in XXXX. It worked. I bought groceries. It worked. But still no cash. I constantly called XXXX XXXX and got a level 2 person who still could not help. I called Social Security who told me they never recommend XXXX XXXX because of complaints but its still an option to receive funds. I ended up changing my deposit for XXXX to direct deposit to my XXXX XXXX. However, XXXX XXXX has over {$1000.00} of mine and told me they dont return to social security. Please help me get my funds and put this company on a black list. I think CoAmerica is their bank. I am still without cash and still owe my property owner {$1000.00} because I could not pay their invoice which came on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
At XXXX XXXX on XX/XX/XXXX, I received a notification from XXXX that my " Connected Businesses have been disconnected '', the email body also stated that I should have received an email re : my account status and the steps needed to resolve. The same day, I received 2 emails, 1 at XXXX XXXX ( edt ) and another at XXXX XXXX ( edt ) with the title [ XXXX ] Time to Reset Your password. As any responsible human, I did not clock on any links and went directly through the app to reset my password. In addition, I called XXXX Customer support ( XXXX ) XXXX. Spoke with someone on the phone and he said he would escalate to Account Services, and " apologized '' that he was unsure what email that would have been provided. At that time, I also asked him the time-frame, he kindly said 3-5 days in which I asked for them to suspend my account as there was such uncertainty. He did not mention any steps I needed to take, and I received an email stating my account has been suspended and to unsuspend, send my id and a selfie with my ID. I did not do that at the time as the Customer service rep I spoke with said I can do that once they research the case. Fast forward to XX/XX/XXXX with no email from XXXX, so I call the customer support line : ( XXXX ) XXXX at XXXX XXXX edt. They called me back from this number ( XXXX ) at XXXX XXXX edt. An agent, XXXX had ZERO details and told me they froze my account, but had no information re : my asking and the initial request. After her being " unable to send me to someone to speak with '' for over an hour, she " assured me '' she escalated the request. Refused to let me speak with anyone else, including a supervisor and was providing extremely vague info. Due to the feeling this was not resolved, I connected with chat, this chat said the only time they had me noted to call was XX/XX/XXXX, even though I have the information and XXXX was able to see I connected on XX/XX/XXXX. I ventured back and called Customer Support again - ( XXXX ) XXXX at XXXX XXXX. I was finally sent to a supervisor after 35 minutes or more of waiting, this supervisor has zero context on any of my calls. Mentioned to me that to review the case, they needed a picture of my ID and then a selfie of me holding my ID. She said I should have received emails, but couldn't recreate due to the auto sending of emails. Since then, I have gotten 3 emails, all asking me to provide the photo id and the selfie which takes me to a generic page and not the resolution pages. It is now XX/XX/XXXX and there is no one to speak with. I keep getting notifications via email that comes into the circles. Please HELP : - )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Previous claim reference # : XXXX On Friday, XX/XX/XXXX, shortly after a previous CFPB complaint regarding my account was closed, I received a call from Capital One regarding my vehicle 's DMV paperwork . Capital One informed me that the DMV had rejected the documentation they submitted. Capital One spent months attempting to obtain documentation from XXXX, but they incorrectly obtained a " Letter of No Interest '' instead of the required " Lien Release. '' Capital One failed to verify the DMV 's specific document requirements before initiating this process. My vehicle registration is now delayed indefinitely while Capital One has to restart the entire process to secure the correct Lien Release from XXXX and submit it to the DMV. I have attached the letter from Capitol One claiming they resolved the issue which is untrue. This has now been unresolved for over a year, I have been unable to drive my vehicle that I have been paying for since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Top Line Collectors LLC
State: FL

Complaint narrative:
Top Line Collectors has sent me two collections notices for a credit account with XXXX XXXX from XXXX. However, I never had an account with XXXX XXXX in XXXX. It appears they are randomly sending emails out in the hopes they find the right individual. Also, they title the email " XXXX XXXX Account '' to give the impression that the email is from the financial institution and not a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to dispute the inaccurate repossession/charge-off information being reported for the account XXXX XXXX, account number ending in XXXXXXXX XXXX XXXX. After reviewing my credit report, I believe there are inaccuracies regarding this account, including the payment history, balance, account status, and repossession reporting. I request that this account be fully investigated and verified for complete accuracy. Please provide documentation supporting the reporting of this account. If the information can not be properly verified, I respectfully request that it be corrected or removed from my credit file in accordance with the Fair Credit Reporting Act.

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 2026-05-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
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 explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OR

Complaint narrative:
I am filing a formal complaint regarding HSBC Bank USA. My account ID in XXXX XXXX is XXXX. My account was closed without any prior notice. I did not receive any phone call, email, or written communication informing me of the account closure. In addition, the funds remaining in my account have not been returned to me, and I have not received any clear explanation regarding the status or disposition of my balance. This action appears to be an unexplained and unfair banking decision. A financial institution is expected to provide proper notice, due process, and clear communication before restricting or closing a customers account, as well as ensuring timely return of all funds. I am also concerned that the decision-making process in this case may have involved unfair or potentially discriminatory treatment. I request that this aspect be reviewed carefully as part of the investigation, including whether any improper bias or compliance-related overreach contributed to the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing a formal complaint regarding unauthorized disclosure of my personal financial information by a debt collector/servicer associated with XXXX XXXX XXXX account services. My account information, including balance and account details, was sent via email to multiple third parties ( family members ) who are not authorized on my account and were never provided by me as contacts. These individuals were not listed on any application, agreement, or authorization form, and I did not consent to their contact information being used or contacted in any way. This has occurred more than once, indicating a pattern of improper handling or mismanagement of my personal contact information and account data. The email included sensitive financial account information and provided access to a portal where additional account/payment details could be viewed after identity verification. I am requesting : 1. A full explanation of how these third-party email addresses were obtained and associated with my account 2. Removal of all unauthorized third-party contact information 3. Confirmation of all systems, vendors, or data sources used to obtain or match contact information 4. Confirmation that no further third-party disclosures will occur 5. Documentation of corrective actions taken regarding this incident This matter involves serious privacy concerns.

Company response to consumer: Closed with explanation