vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 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: Paypal Holdings, Inc
State: NV

Complaint narrative:
First, I am a XXXX XXXX XXXX XXXX man who is on oxygen XXXX, barely surviving on small social security XXXX. I receive XXXX ( for elderly and XXXX who can not afford groceries ). Obviously, I can not spend money on anything but my rent, utilities and items such as a small amount of groceries that are not provided with XXXX and things such as toiletries, etc. If I spent anything over {$75.00} to {$100.00}, I would not be able to pay rent or utilities. My oxygen is an electric concentrator that runs XXXX hours a day that I am hooked up to. If I lose my electricity or get evicted, I would no longer have electricity to run my oxygen concentrator, therefore, I would LITERALLY die in a few hours! I have a XXXX account that delivers the few items that I need monthly since I can not leave to go shopping because I also have peripheral XXXX XXXX in my legs. My account was set to send through Paypal because it gave me a sense of security and I have maintained a paypal account for 26 years. On XX/XX/year>, my XXXX account was hacked and the thief charged {$780.00} and {$610.00} to my account. These items were digital video games for for XXXX and XXXX. I filed a dispute for fraudulent activity and charges on my account. My case was closed in favor of the merchant. I reopened it, stated everything I am stating in this letter about me, my whole situation and again it was closed in favor of the merchant stating that the resolution team felt I authorized the transactions. These were games for XXXX and XXXX consoles which I do not have nor do I have children or grandchildren. How unintelligent does a person or persons have to be to determine, from all this information that I would do something like this that would LITERALLY end my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

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 XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Late or other fees
Company: M1 Holdings Inc.
State: CA

Complaint narrative:
I recently received a paper letter saying my account balance would be sent to unclaimed funds due to lack of activity. I have not touched this account in years ( or received statements or notices ), so when I logged in, I saw that a monthly charge of {$3.00} was charged since XX/XX/XXXX. When I contacted the company, they said an email was sent on XX/XX/XXXX and would not confirm that any other attempt at notification was done. I never received such notice, and became aware of this issue only upon receipt of the unclaimed funds letter. Each attempt to clarify if any other attempt besides XXXX email was made, or if the fees could be refunded as clearly I had no idea of the fees ( or the balance since no statements were ever sent ), the agent kept cutting and pasting canned responses about the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
This company is violating my rights Under 15 U.S.C 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate information is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: GA

Complaint narrative:
This company is violating my rights Under XXXX U.S.C XXXX ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate information is a violation of federal law

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received an unsolicited email from Wells Fargo ( XXXX ) that promotes financial products ( certificate of deposit ) despite my privacy preference. In privacy preference, I have explicitly opt-out from any marketing email more than 10 days before receiving this email. It has violated CAN-SPAM Act. The message appears to be framed as an account update but contains promotional advertising content.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I went to pick up my money at MoneyGram at a XXXX location, when I signed for the money and the teller opened the cashier, she said she didnt have enough of the payout, she called her supervisor which told her that she is waiting for a key which wont be there until after XXXX. So she cancelled the transaction. Later that evening I returned to pick up the money, when she put in the reference number it showed on MoneyGram end that it was already received. I called money gram several times, opened several claims and they keep diverting me and said they cant help. This money is for medical issues. This been ongoing since XX/XX/XXXX, XXXX and today is XX/XX/year>. I just called and they are not helping, keep telling me to call the sender, the sender called and they told the sender to tell me to call MoneyGram.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: MA

Complaint narrative:
am submitting this complaint after discovering a serious issue regarding my student loan payments. On XX/XX/XXXX, I contacted my student loan servicer, Nelnet, after realizing that the $ XXXX monthly payments I have been making for the past two years were not reflected in my loan balance. However, I could clearly see these payments being withdrawn from my bank account and sent to a division associated with Nelnet. When I spoke with Nelnet, they informed me that they have not been receiving any payments because my federal student loans are currently in forbearance. They directed me to contact Firstmark, which is the entity listed on my bank statements. I do not have login credentials, an account, or any known association with Firstmark. After contacting Firstmark, they informed me that the payments are related to a {$9000.00} private student loan allegedly taken out with XXXX while I was in college. Neither my family nor I recall taking out this loan. Firstmark explained that they acquired XXXX student loan portfolio after XXXX exited the student loan business, and that I was automatically placed into repayment beginning in 2024 without my knowledge. Additionally, the loan carries an interest rate of approximately 13 % ( accruing $ XXXX without my knowledge ). The information on Firstmark explains that it was a variable interest, starting at a lower end. Since I clearly have no knowledge of any of this, it appears that they have also raised the interest rate without my knowledge. Due to this, despite having paid nearly {$2000.00} over the past few years through the $ XXXX monthly payments, I am now being told that the balance has increased to approximately {$10000.00}. I am requesting assistance in investigating how this loan was originated, why I was automatically enrolled in repayment without clear notification or account access, and why my payments over the past two years have not meaningfully reduced the balance. Thank you for your assistance in reviewing this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request validation of a collection account reported on my credit report by Southwest Credit Systems. The account details are as follows : Collection Agency : Southwest Credit Systems Original Creditor : XXXX Account Number : XXXX Balance Reported : {$170.00} Date Opened : XX/XX/year> I do not recall entering into an agreement with your company and therefore request full validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following documentation : Verification of the original creditor and the full name and address of the original creditor. A copy of the original signed contract or agreement showing that I am legally obligated for this debt. A complete itemized statement of the balance, including any fees, interest, or charges added after the account became delinquent. Documentation proving that Southwest Credit Systems has the legal authority to collect this debt on behalf of the original creditor. Proof that the debt was accurately reported to the credit bureaus. Until proper validation is provided, I request that this account be marked as disputed with all credit reporting agencies and that any collection activity cease. If you are unable to provide the requested documentation verifying this debt, I request that this account be removed from my credit report with XXXX, XXXX, and XXXX immediately. Please respond to this request within the timeframe required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX, I was on XXXX XXXX website ( XXXX ) and there was a new card member offer for a bonus of XXXX miles if you charge {$3500.00} in the first 4 months for a citi credit card. I applied online and was approved that day. I charged approximately {$3600.00} in about XXXX months. I noticed that my bonus miles had not shown up. I called citi credit card on XX/XX/XXXX and the first agent informed me that she did not see the offer. Upon my request, I spoke to a supervisor, XXXX. XXXX said that I received miles in XX/XX/XXXX on another Citi card ( that was closed sometime ago ) and would not be eligible for additional miles for XXXX months. I said I was not informed of this when I applied and where is it online. XXXX said that it was disclosed to me back in XXXX. It is not written on line and they have no information as to those terms and conditions. I said this was false advertising and something should clearly show online. XXXX, said they could not send me a copy of those terms and conditions since they dont have a record of it. She said she would put a note on my file concerning the complaint.

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rausch Sturm LLP
State: WA

Complaint narrative:
I had a garnishment in my XXXX account so I called them and asked what that meant. They told me they had a writ of garnishment and gave me the contact information. I then called the contact and they could not provide me with any more details. I asked for an email or letter from " said '' debt collecter. I gave them my email and address- no email or letter as of today XX/XX/XXXX. I called XXXX XXXX XXXX, XXXX as assignee of XXXX XXXX, who they said they bought that debt from. I have a current XXXX XXXX card that I currently pay on- and I only have one active account with them. I do not believe this debt is mine. I paid any and all debts off in order to buy my home in XXXX. The amount they stole from me is different as well. {$1900.00} is what was wrongfully taken out my account and Rausch Sturm LLP said I owed {$1900.00}. I have been yelled at, and laughed at for requesting more information. I do not have the funds for an attorney to fight this. This was my mortgage payment!!!! I have researched this company and they have been sued many times for fraudulant activities!

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 2026-03-10 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: NY

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am filing a complaint regarding a spoofing and impersonation scam involving my Wells Fargo account. Since XXXX, I had already been experiencing fraudulent activity on my account. There were unauthorized transactions that I reported to Wells Fargo multiple times. Because of these issues, I contacted Wells Fargo about a week before the scam occurred after noticing money had been moved from my savings account to my checking account. During that call, the Wells Fargo representative told me that the only action needed was to issue a new debit card. I specifically asked several times what information the scammer may have had and whether my online banking or account access had been compromised. I was assured that everything was secure and that replacing the card would resolve the issue. Because I had already been dealing with fraud on my account and had recently contacted Wells Fargo about suspicious activity, when I later received a phone call that appeared to come from Wells Fargos official phone number stating that my online banking had been compromised, I reasonably believed I was speaking with a legitimate bank representative. The caller instructed me to move my funds to XXXX XXXX to secure or verify my account while the issue was being resolved. Based on the caller ID showing Wells Fargo and my previous conversations with the bank about fraudulent activity, I followed the instructions believing they were coming from the bank. I later discovered that the call was a spoofing scam and that the person was impersonating a Wells Fargo employee. I immediately reported the incident. I would also like it noted that during this time I have been grieving the loss of a parent, which has been an extremely difficult and emotional period for me. Managing ongoing fraud issues with my bank while dealing with personal loss has added significant stress and hardship. Given the history of fraudulent activity on my account since XXXX, my previous call to Wells Fargo about suspicious transfers, and the assurances I received that my account was secure, I believe my case deserves a full investigation. I am requesting that Wells Fargo review the handling of my account security, investigate the receiving account, and make every effort to recover the {$8000.00} that was transferred as a result of this impersonation scam.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
On monday XXXX XXXX i got a call on my work phone stating that it was my local sheriffs office. they said i needed to come speak to them right away and to leave work immediately. once i got to my car they informed me that if i step foot onto government property before i paid these fees that i would be detained immediately. they said i needed to pay 2 payments of XXXX and a payment for XXXX to cover my fine totals and freeze the warrant. they said i had a XXXX order placed on me so i wasnt to tell anyone what was going on until they spoke to me the next day ( today ) at XXXX XXXX. they also said they were my point of contact so that i wouldnt get arrested BUT if i muted them, put them on hold or hung up i would be arrested immediately. i have never ever been in any trouble with the law before & all i was thinking about was coming home to my babies safe that night. I felt i was kidnapped and held for ransom. I really need help, i have contacted my local sheriffs office and cash app to make sure this doesnt happen to anyone else. I dont understand how anyone can have a cash app account and not put their identification in. we really have got to let these scams stop happening? i never wouldve believed anything if they didnt have my work that i ( just started at ) and all my addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I got a phishing phone call from someone identifying themselves as from XXXX. They wanted to know if I had opened a Target store card in California. They were very insistent, verifying my name, phone number and last 4 of social. I cut them off when they said that was info used by whoever opened the account so they were transferring me to an account representative to " take care of it. '' I have notified XXXX, and they will notify other credit reporting companies. They put a freeze on any new accounts for 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD Bank is reporting a charged-off retail credit card account on my credit report. When I contacted TD Bank regarding the account, I was informed that the debt had been sent to a collection agency. However, when I contacted the collection agency, they informed me that the account had been returned to TD Bank and that they were no longer servicing or collecting the debt. Because of this conflicting information, I am unable to determine who currently owns or services the debt, and I have been unable to resolve the account. Despite my efforts to contact both parties, neither has been able to clearly verify who has authority over the account. I am requesting that TD Bank verify who currently owns or services this debt and provide accurate reporting to the credit bureaus. If the debt ownership or reporting can not be properly verified, I request that the tradeline be corrected or removed from my credit report.

Company response to consumer: Closed with explanation