vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
a credit card was open in my name in XXXX XXXX while I was living out of state due to I XXXX for a living when I was made aware via my credit report I advised the credit reporting agt and the bank that issued the credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I am writing to formally dispute a collection account listed on my credit report. The account in question has already been paid in full, and therefore it should not be reported as an outstanding collection. Account Information : Creditor/Collection Agency Name : NCA Account Number : XXXX This debt has been satisfied, and I have documentation to support that the balance has been paid in full. Reporting this account as an active collection is inaccurate and negatively impacts my credit profile. Under the Fair Credit Reporting Act ( FCRA ), I request that this account be removed entirely from my credit report as it is no longer valid as a collection item. Please investigate this matter and correct the inaccurate information promptly. I also request written confirmation once the correction or removal has been completed. Enclosed are copies of supporting documents showing proof of payment. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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:
THIS IS WHAT I EMAILED PORTFOLIO RECOVERY SERVICES : RE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( THE NUMBER IS REDACTED HERE ) You have the wrong number and have misused my number for innumerable calls for the past two months. When I tried to return your call using the number that's your caller ID, it's either a disconnected, " not a working number '' message, or a dead lline with no voice mail option. I finally figured out who you are because I did research based on an incoming text message. I've owned this number since 2003. I talked to someone at Portfolio today - I don't know a XXXX XXXX and my name is the only name associated with this phone number. Please do better research! If you intend take legal action, shouldn't you be 100 % certain that you have the correct contact info for the person? STOP CONTACTING ME. I've informed the FCC of your passive-aggressive harrassment and lazy lack of due diligence. THIS NUMBER IS ON THE XXXX DO NOT CALL LIST. I AM NOT A SOURCE OF ANYONE ELSE 'S PERSONAL DATA. XXXX XXXX. DO NOT CALL OR TEXT ME YOUR RESPONSE TO THIS EMAIL if you'd like to apologize and send me a gift card, EMAIL ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I have been using PayPal as my primary financial platform for a long time without any prior issues. Recently, my account was permanently limited following a higher-than-usual number of transactions within a short period of time. I believe this increase in activity may have triggered PayPals automated security systems. All transactions were legitimate and involved my own personal funds. There have been no disputes, chargebacks, or claims associated with my account. As a result of this limitation, PayPal is currently holding approximately {$1400.00} of my money for up to 180 days. PayPal has stated that the money belongs to me, but is being held in reserve. I am XXXX XXXX XXXX and depend on these funds for daily expenses, and this restriction is creating significant financial hardship. I respectfully believe that holding my funds for 180 days is excessive given that there is no evidence of financial risk, disputes, or misuse. I am requesting a full review of my account and, at minimum, expedited access to withdraw my funds. I am fully willing to provide any verification or documentation needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
In XXXX while attempting to establish a new bank account and taking classes to learn about buying a home, i learned there was significant amount of debt in collection on my credit report. I called he businesses that were linked to the accounts ( XXXX XXXX ) they referred me to the debt holders ( Bonneville collection ) I called them XX/XX/XXXX, who said they had not 3 but 6 power bills in my name. My utilities have been included in my rent for the last 6 years and in my landlords name. There are 3 open on my credit, plus 2 closed, plus they claim I am responsible for my ex 's ( XXXX XXXX ) that I didn't know about. When I ask why it wasn't showing they said they dont know but i have to pay it also. I believe my mother opened these accounts with out my knowledge or permission. I have had to set up my bank accounts to in person face to face transactions because of this history. I told Bonneville as muchas well and that I would have to verify my bank could give me a cashier check and I would call them once I did. Today is XX/XX/XXXX an I have called 3 times this morning only to be hung up on twice on the 3rd call, the employee actively mocked me, I ask yo talk to a supervisor that said nothing while I explained the situation, the first 2 calls and the employee mocking me. He as so what do you want, I said while I was originally willing to negotiate just to get it off my report dispite the fact it does not belong to me, I am no longer willing to negotiate and I want it disputed. He said you did that and we refused it. I said OK, I am going to file a complaint and hung up. I immediately received a mocking " XXXX XXXX '' text and the number blocked me. I believe it is the employee that was moking me on the phone. So since these are not mine, and the debt holders can't come to a mature solution, I am not longer willing to negotiate and want these debts to be brought down to XXXX. Especially the one that belongs to my ex that I have not seen in more then 10 years

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XX/XX/year> Jefferson Capital Systems , LLC XXXX. XXXX XXXX XXXX XXXX, IL XXXX Re : Account Number XXXX To Whom It May Concern, I am writing regarding the above-referenced account. I dispute the validity of this debt and request that you cease all communication with me regarding this matter. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are hereby notified to immediately cease and desist all forms of communication with me, including but not limited to phone calls, emails, and written correspondence. Additionally, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I formally request that you conduct an investigation into this account. If you can not provide proper validation of this debt, including evidence that I am legally obligated to pay, you must immediately remove this account from all credit reporting agencies. Failure to comply with this request will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. This letter is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Please confirm in writing that you have complied with these requests. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I am filing a formal complaint regarding the handling and application of my student loan payments by the Georgia Student Finance Authority. On Monday, XX/XX/year>, at approximately XXXXXXXX XXXX I contacted the agency to check the status of a payment I had mailed. Prior to that date, I had already notified them that my payment was on the way. During this call, I spoke with a representative named XXXX, who informed me that no payment had been received and advised me to call back later for an update. On Tuesday, XX/XX/year>, at approximately XXXX XXXX I received a call from a representative requesting the amounts of my money orders. I confirmed that I sent four separate money orders in the amounts of {$1000.00}, {$1000.00}, {$220.00}, and {$90.00}, due to XXXX limitations. On Friday, XX/XX/year>, at approximately XXXX XXXX, I called again and was told by XXXX that no payment had been received. I was referred to another representative, Precious, who was unavailable at the time. After ending the call, I checked the status of my money orders through XXXX and was notified that at least one had been cashed. At approximately XXXX XXXX, I called back and reported this information due to concern that my payments may have been lost or stolen. I was then transferred to Precious, who reviewed my account and confirmed that the payments had been received. However, she informed me that all payments had been applied to a single loan. I did not authorize or request that all payments be applied to one loan, nor was I informed this would occur. Additionally, I was not previously notified that my account was in default or that it had been transferred to a third-party collection agency under a rehabilitation program. This situation raises serious concerns regarding : * Lack of transparency in payment processing * Misapplication of funds without authorization * Failure to notify me of account default and transfer to collections * Conflicting information provided by representatives I am requesting : * A full investigation into the handling of my payments * A detailed breakdown of all my loan accounts * Correction of any misapplied payments * Written clarification of my account status, including any default or collection activity * Clear guidance on how future payments will be applied I am seeking a resolution so that I may properly manage and pay off my student loans. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I authorized my American Express card at a self-service gas pump solely to initiate a potential purchase. Before any fuel was dispensed, I stepped away from the pump and did not proceed with fueling. While my card was still authorized, another individual used the same pump and dispensed gasoline without my authorization or consent. That individual received the fuel. I did not receive any goods or services associated with this charge. I promptly disputed the charge with American Express and explained that fuel was dispensed to a third party, not to me. Despite this, American Express denied my claim twice, relying only on the initial authorization at the pump and not on whether I received the fuel. I also possess photographic evidence identifying the vehicle and license plate of the individual who dispensed the gasoline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo multiple times I spoke to a representative ( XXXX XXXX ) I spoke to a supervisor They failed to provide help or properly investigate I am a business owner submitting information regarding a debit card fraud claim filed by a Wells Fargo cardholder that directly impacts my business. A customer used their Wells Fargo debit card ( processed through XXXX ) to make a payment to my business. This transaction was fully authorized by the cardholder. I have documentation confirming that the individual knowingly made this payment to satisfy a debt owed to me. After the transaction was completed and services were rendered, the cardholder filed a fraud claim with Wells Fargo, falsely stating that the transaction was unauthorized. As a result of this claim : My business has been financially impacted My account and/or processing ability has been disrupted I have been unable to properly submit evidence to dispute the claim I have made multiple attempts to contact Wells Fargo to provide documentation proving that the transaction was authorized. I have spoken with a representative identified as XXXX XXXX, who failed to document critical details of my case and did not conduct a proper investigation. A supervisor also confirmed that key facts I provided were not included in the case notes. I am not requesting access to the cardholders private account information. I am requesting that Wells Fargo : Accept and review my evidence as the merchant involved in the transaction Properly investigate the claim with all relevant facts Reevaluate the fraud determination based on the documentation provided This is a case of false fraud reporting ( also known as chargeback fraud ), and I am attempting to resolve this matter prior to pursuing legal action. I am requesting that Wells Fargo provide a way for me to submit my documentation to the appropriate dispute or fraud department and ensure that a proper and complete investigation is conducted. Desired resolution I want Wells Fargo to review my evidence, properly investigate the claim, and provide a way for me to submit documentation related to this transaction.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: MS

Complaint narrative:
I had a lot of credit with XXXX, my total balance and another XXXX or so, and received some checks I could use as balance transfer checks or cash checks, at a promotional rate of XXXX percent over 9 months for two of the checks and XXXX percent for 12 months for the last. I decided to take the two checks but mistakenly made a transaction. After the last conversation I was told my account would be today. That was a lie. I have been lied to again by the person who spoke with me this time stating there are just a few more things that they have to when the last person said all they have to do is make sure they get the money back and in both cases, certainly by today, there is money in that account. Blocking visibility into charges is how banks cheat their customers. You may block use of my funds, perhaps that would be reasonable if I were trying to overspend, to disable my access to an online bank is tantamount to stealing my bank account outright. I am furious. Ally Bank is now doing this as a pattern, I had been certain only my friends were affected probably not doing basic things but no, I can see what happened to several of my friends now. And I will be sure they do not gobble up any of my XXXX money because when people pull the wool over your eyes, its because theyre doing something deceitful behind it.

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 2026-04-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I was the only person with the original loan balance, which was about {$10000.00} with Synchrony. Synchrony sent two invoices, and based on how they were sent and presented, my husband ( XXXX XXXX ) and I XXXX XXXX XXXX ) believed payments could be made from both of our accounts toward the same loan obligation. As a result, I paid about {$5000.00} toward my account, and my husband separately paid about {$5000.00}, which created a credit/overpayment situation that should have been applied to satisfy the rest of my balance. After we realized there had been an overpayment/credit issue, I contacted Synchrony on XX/XX/year> and spoke with a representative named XXXX. During that call, I specifically requested that the approximately {$5000.00} credit resulting from my husbands payment be transferred and applied to my account, because I was the person with the original loan balance. On XX/XX/year>, I spoke with another Synchrony representative named XXXX, who confirmed that the credit transfer had been completed. Based on that confirmation, I understood that my account balance should be {$0.00}. However, on XX/XX/year>, I received a call from Synchrony stating that my account was in collections. Around the same time, my credit score dropped, which appears to have resulted from Synchronys failure to properly apply the transferred credit and correct my account balance. This has caused me financial harm and credit damage even tho ugh Synchronys representatives told me the transfer had already been completed. I am requesting that Synchrony review the account history, correct my account to show a {$0.00} balance, remove the collections status, and correct the negative credit reporting caused by this error.

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 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AR

Complaint narrative:
I opened a dispute on XX/XX/XXXX for {$3500.00} from an attorney that did not do his job at all and he admitted. On XX/XX/XXXX the next day, and evidently they did not even look into it. they denied it. So XX/XX/XXXX I opened up an appeal. XX/XX/XXXX they took out {$3500.00} plus {$15.00} from the bank that my ex Attorney had and they took the money. Literally they have the money in their account and theyre telling me that they still have 45 days to do a dispute appeal. Theyve already gotten the money. But theyre telling me that they didnt take the money. Its a very confusing matter because theyre telling me that they have not gotten the money but they have you can see attached emails. I am scared that theyre hiding money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I look at my account everyday especially now since I on vacation. I noticed a transaction seemed faulty. When 8 called Navy Federsl the clerk started bringing up every transaction except the one i spoke about. Frustrated I asked to speak to a supervisor who sermed very placating stating that I believe that I have a problem and tried to act like it wasnt an issue. She eventually hung up because I really did not like her way of speaking. I pointed out one specific transaction. I had transferred XXXX over to my checking account. That transfer brought the balance up to XXXX. The next transaction to come out as a deduction was XXXX XXXX. That deduction was XXXX. That created an amount for XXXX that was a discrepancy of XXXX. The next amount that was deducted was for XXXX. That left an amount, after deducting of XXXX. I have often felt that NFCU was calculating my money incorrectly. Everytime I bring it up they bring up other transactions and say their accountd are calculating up to date. Im am tired of feeling like something is always wrong.and that when I look at my mobile account not to expect it to be accurate because NFCU is going through transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding Cash Apps handling of a dispute for a transaction totaling {$220.00} for an item that was never received. I made multiple good-faith attempts to resolve this issue directly with the merchant. The merchant acknowledged the issue and explicitly confirmed that I would receive a refund. However, despite this confirmation, no refund has been issued and no tracking or proof of shipment has been provided. I filed a dispute with Cash App and submitted supporting documentation, including proof that the merchant promised a refund. It has now been 17 business days, and I have not received any meaningful updates, resolution, or provisional ( temporary ) credit. Cash App has failed to provide transparency regarding the status of the investigation, whether the merchant has responded, or a clear timeline for resolution. Given the evidence provided and the length of time that has passed, this delay is unreasonable. Resolution Requested : Immediate issuance of a provisional credit for {$220.00} A full investigation with clear communication and status updates A prompt final resolution of this dispute I expect Cash App to comply with applicable consumer protection regulations and to handle this matter in a timely and fair manner.

Company response to consumer: Closed with explanation