vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: DISCOVER BANK
State: TX

Complaint narrative:
From XXXX XXXX XXXX 2025, I have tried to wire $ XXXX from my Discover Online Savings account to my external business account with another institution. 

This was to pay tax before the year ends, as failing to do so would lead to my business paying an extra $ XXXX in taxes. 

Theoretically, I had plenty of time with the wire option ( Not enough time for ACH transfer option ). 2 days to move the money to the business account, and 2 days to pay the taxes before year ends. 

However, the wire I set up kept getting declined ( I've tried over 30 times in fact, with different browser, VPN on or off, logging in and out, breaking up the wire amount into smaller amounts, etc ). The website didn't explain why, simply that it can not be done and to call support. 

After calling support, and even being connected to the Wire department, even after being escalated to a supervisor within the department, no one could tell me exactly why it was declined. Only that it was the automated system declining to prevent fraud. 

I find this reasoning to not make any sense, since I am on the call and can verify my identity if fraud prevention was truly the reason, and all information I entered was correct. Discover could at least try to explain the reasoning of a decline so I know what to do to fix it, or help overriding it. But the very first thing the people who answer the phone seems to be trained to do, is to go over a canned response of " if your wire is declined, there's nothing we can do. We can't override it. Try again another day '' based on how multiple reps said the exact same thing. They don't even try to resolve this. 

In the end, I could not move the money on time to my business account and failed to pay taxes before year ends, leading to the business paying an extra $ XXXX in taxes. 

My conclusion out of this experience is that Discover is completely unreliable and impossible to send a wire especially if you're trying to send a large amount, and if you require this, then I would avoid Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: DOLLAR MUTUAL BANCORP
State: OH

Complaint narrative:
I have not receive my annual escrow account disclosure for year 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
On/around XX/XX/XXXX, while shopping at XXXX XXXX XXXX , I was informed my previous credit card had been closed and the associate would be " re-opening '' the card. They failed to advise me that I would be submitting a brand new credit card application and by the time I realized, it was too late to cancel anything. I made a purchase of approximately {$61.00} which I planned to payoff with the receipt of my next billing statement. I received the first statement in the mail on/around XX/XX/XXXX and made a payment through their pay by phone system XXXX XX/XX/XXXX. I input my payment account details exactly as they appeared on my bank account - a checking account from XXXX XXXX XXXX XXXX. Since that time, I never received ANY correspondence, whether in writing, email or mail from Comenity Bank until this past weekend ( XX/XX/XXXX ) which informed me the credit card was charged off and being managed by XXXX XXXX XXXX. 

Upon calling XXXX and Comenity Bank, I was informed that they had tried to send me correspondences via email and mail in recent months however none of these were received. Furthermore, I asked if someone from Comenity Bank ever attempted to call me on the item and was told no. In speaking with a associate from Comenity Bank ( XXXX XXXX ), I was advised that the payment I made in XX/XX/XXXX was rejected due to a wrong account number being input. I explained to her that I keyed in the account number exactly as it appeared on my check book so the error was on their part, not mine. I offered to make a payment for {$61.00} however they told me the card has been charged off and I would need to direct all communication to XXXX XXXX XXXX. I have already initiated a dispute with the XXXX credit bureaus ( XXXX XXXX XXXX ) and am also writing a complaint to the CFPB on this issue. The payment amount I made in XX/XX/XXXX was not processed due to a bank error by Comenity which they are refusing to admit and this account is now showing as a negative / derogatory account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I identified a collection account being reported by Jefferson Capital Systems, account number, for approximately {$2300.00}, allegedly originating from a telecommunications provider. 

I dispute the accuracy of the balance and the reported open date. I requested validation, including the final billing statement from the original creditor, proof of assignment, and documentation showing how the balance was calculated. 

Jefferson Capital Systems has continued reporting this account without providing documentation establishing the accuracy of the balance, the date of first delinquency, or proof of legal ownership. 

I am requesting removal of this account unless proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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: LA

Complaint narrative:
I am requesting the following resolution : XXXX. Immediate deletion of this account from all consumer credit reporting agencies ( XXXX, XXXX, and XXXX  ) ; OR XXXX. Provision of full and competent verification including : A signed consumer agreement Complete payment history Proof of legal authority to report the account Documentation showing the account is being reported accurately and in compliance with the Fair Credit Reporting Act If [ Portfolio Recovery Associates ] can not provide this documentation, the account must be permanently removed from my credit file. 

I also request written confirmation that the matter has been resolved and that all inaccurate reporting has ceased. 

If this matter is not resolved promptly, I reserve all rights to pursue additional regulatory complaints and civil remedies as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal permanently limited my account and is holding my funds without providing a clear explanation or evidence of wrongdoing. I have complied with all verification requests and have not violated PayPals Acceptable Use Policy to my knowledge. Customer service states the decision is final and will not provide meaningful review or documentation. I am requesting release of my funds and a clear written explanation of the limitation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
A collection account is being reported by Credit Collection Services, account number, for approximately {$970.00}, allegedly originating from a membership-based creditor. 

I dispute this account because I have never been provided proof of a valid agreement, proof of assignment, or documentation supporting the reported balance. 

Despite written disputes requesting validation, Credit Collection Services has continued reporting this account without providing any documentation. 

I am requesting deletion of this collection account unless proper validation is produced.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
I am filing this complaint regarding a XXXX / OneMain account that was paid, closed, and written off, yet continues to be reported on my consumer credit report. 

The account reflects a written-off amount of {$760.00}, is marked as paid and closed, and carries no active balance or ongoing financial obligation. Despite this, the tradeline continues to be reported in a manner that negatively impacts my credit file. 

I previously disputed this account and requested verification. Regardless of any prior validity of the debt, the account has been resolved, closed, and written off. Continued reporting of a closed, non-active account serves no legitimate reporting purpose. 

Reporting a paid and closed written-off account fails to meet the Fair Credit Reporting Act requirement of maximum possible accuracy, as it no longer reflects a current or enforceable obligation and instead perpetuates legacy harm. 

This complaint is submitted to require the furnisher and credit reporting agency to formally certify compliance with federal consumer protection law under CFPB supervision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: First Technology Federal Credit Union
State: FL

Complaint narrative:
An account reported by this company is listed as charged off and/or written off on my credit report. I have not received documentation confirming whether the debt was canceled, discharged, or remains legally enforceable.

I also have not received an IRS Form 1099-C for this charged-off account. The creditor has not provided the date of any cancellation or documentation supporting continued reporting of the account as a delinquent charge-off.

Because the legal status of the debt has not been verified and no 1099-C has been issued, the reported account status may be inaccurate or misleading.

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 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am writing to formally dispute the above-referenced collection account that Credence Resource Management recently reported to XXXX on or about XXXX XXXX XXXX 

This account is being reported in error and is not valid. 

I never entered into a lease agreement with XXXX XXXX XXXX nor did I ever take possession of, occupy, or assume financial responsibility for any apartment unit with this property. The only interaction I had with this property was an application submission, and the application fee associated with that submission was refunded to me in full. 

After discovering this collection on my credit report, I contacted the apartment complex directly. I was informed that this account should not be reported as a collection and that the balance is invalid, as no lease or contractual obligation ever existed. 

Because no lease agreement was executed and no debt was owed, Credence Resource Management has no legal basis to report this account. 

Under the Fair Credit Reporting Act, including but not limited to 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ), furnishers of information are required to ensure maximum possible accuracy and to conduct a reasonable investigation once a dispute is raised. Reporting an account for which no legal obligation exists constitutes inaccurate and unverifiable reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I disputed the account ( XXXX ) directly with the furnisher ( XXXX ) and formally requested debt validation in writing. Despite my lawful request, the furnisher ( XXXX ) failed to provide proper validation proving the accuracy, ownership, and reporting authority of the alleged debt. 

Additionally, I disputed the same account ( XXXX ) with the credit reporting agency. Instead of conducting a reasonable investigation as required under 15 U.S.C. 1681, the credit reporting agency continued reporting the account ( XXXX ) without providing evidence that the information was verified. 

The credit reporting agency is continuing to publish inaccurate, incomplete, and unverified information, which is causing financial harm, credit denials, and ongoing reputational damage. 

I am requesting immediate deletion of the disputed account ( XXXX ), as continued reporting without proper verification violates federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: NV

Complaint narrative:
Its been since XX/XX/year> The bank refuses to release my social security survivor benefits Which now i have late fees due to not Being able to pay my bills on time

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 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: NJ

Complaint narrative:
I am filing this complaint regarding a collection account that is being reported on my consumer credit report with an outstanding balance. 

I timely disputed this account and requested debt validation from the furnisher. The furnisher failed to provide documentation demonstrating the accuracy, ownership, and legal authority to collect or report this alleged debt. 

Despite the lack of validation, the credit reporting agency continues to report this collection account as accurate without disclosing the method or evidence used to verify the information. 

Reporting an unvalidated collection account with an outstanding balance fails to meet the Fair Credit Reporting Act requirement of maximum possible accuracy and constitutes unreasonable investigation practices. 

This complaint is submitted to require the furnisher and credit reporting agency to formally respond and certify compliance with federal consumer protection law under CFPB supervision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PRIOR CFPB COMPLAINT : # XXXX ( Filed XX/XX/XXXX, Closed XX/XX/XXXX ) Account : XXXX | Reference : * * * * * XXXX | Original Creditor : XXXX XXXX XXXX ( XXXX XXXX ) | Balance Claimed : {$2100.00} CHAIN OF TITLE NEVER PROVIDED : In my prior CFPB complaint # XXXX, I requested validation including chain of title documentation proving PRA 's legal ownership of this debt. PRA responded on XX/XX/XXXX stating : " we are sending our customer a letter with validating documentation from the original account. '' I NEVER RECEIVED CHAIN OF TITLE. PRA may have sent account statements, but I have NOT received : - Bill of Sale from XXXX XXXX. to XXXX - Assignment Agreement documenting legal transfer - Documentation proving PRA 's standing to collect Without chain of title, PRA can not prove it legally owns this debt. 

CURRENT DISPUTE STATUS : On XX/XX/XXXX, I sent PRA a settlement counter-offer with hardship documentation ( Ticket # XXXX ). On XX/XX/XXXX, PRA asked if I was " still disputing. '' On XX/XX/XXXX, I confirmed : YES, I am still disputing this account. 

XXXX / HARDSHIP CIRCUMSTANCES : This debt arose during the XXXX pandemic. In XXXX, I was involved in multiple car accidents resulting in permanent XXXX injury. I am now permanently XXXX and survive on fixed XXXX income. My XXXX is documented by Florida XXXX XXXX XXXX # XXXX ( issued XX/XX/XXXX, expires XX/XX/XXXX ). Prior to the permanent placard, I held temporary placards in XXXX during my initial XXXX period. 

SETTLEMENT OFFER IGNORED : PRA offered {$1100.00} settlement with pay-for-delete on XX/XX/XXXX. I counter-offered {$700.00} ( willing to negotiate up to {$850.00} ) with the same deletion terms. PRA has not responded to my counter-offer. Instead, they asked if I was disputing- which I confirmed YES. 

MY POSITION : I DISPUTE the balance and accuracy of this alleged debt, and I DISPUTE PRA 's legal authority to collect without providing chain of title. However, I am willing to settle under specific terms : one-time lump sum payment under {$1000.00}, full and final settlement with no deficiency balance, and complete tradeline deletion ( as PRA already offered at the higher amount ). 

AFFIRMATIVE DEFENSES : XXXX. Chain of Title / Lack of Standing - PRA never provided proof of ownership XXXX. COVID-Era Hardship / Force Majeure - XXXX accidents, permanent XXXX XXXX. No Privity of Contract - Never agreed with PRA XXXX. Statute of Limitations Running - XXXX expires XXXX XXXX. Judgment-Proof Status - Fixed XXXX income, no attachable assets XXXX. Incomplete Validation - FDCPA requirements not met DECLARATION UNDER PENALTY OF PERJURY : I, XXXX XXXX XXXX XXXX, declare under penalty of perjury pursuant to XXXX XXXX. XXXX that the foregoing statements are true and correct. My XXXX is documented by Florida XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding an account that was resolved through settlement and paid, yet continues to be reported on my consumer credit report without a balance and without a clear or accurate account status. 

The account was settled and paid for a small amount, and there is no remaining financial obligation. However, the furnisher and credit reporting agency continue to report the account despite the absence of a numeric balance or any active obligation. 

I previously disputed this account and requested verification. The furnisher has continued reporting the tradeline without clearly reflecting a XXXX balance or providing a lawful basis for continued reporting. 

Reporting an account that has been settled and paid, without a balance and without a clear reporting purpose, is misleading and fails to meet the Fair Credit Reporting Act requirement of maximum possible accuracy. 

This complaint is submitted to require the furnisher and credit reporting agency to formally certify compliance with federal consumer protection law under CFPB supervision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
: My weekly direct deposit was delayed due to a federal holiday. Upgrade had previously released my paycheck early, then treated the next payroll as late when it followed the normal employer schedule. Because of this timing issue, my account stayed overdrafted for over a week and Upgrade suspended my Boost/Cash Advance card for being XXXX day late, even though the deposit was pending and outside my control. This caused financial hardship. I am requesting reinstatement of my advance access and removal of any related penalties or fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-31 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:
on the XXXX of XXXX to the XXXX of XXXX i was in rehab, i had my phone stolen from my car ( which i have a police report filed ) and someone made XXXX dolllars worth of transactions during that time. the suspect knew where my rehab was, how long i was going to be in there for and she made sure to go through my previous bank statements to take money from my account and funnel it into hers. i even have a text from her where she admits all this to a mutual friend. the bank took my original claim and denied it without speaking to me and says there is nothing i can do

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 2025-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My auto loan was current with payments and auto-pay active. No payment default occurred. The vehicle was towed due to a third-party renter issue, not non-payment. 
While I was coordinating recovery, the lender seized the vehicle without issuing a notice of default, right to cure, or intent to repossess. Shortly after, my online account access and statements were removed. 

The lender has threatened to report this as a repossession despite no delinquency and has refused to provide written confirmation of default status, payment history, or the basis for repossession. 

I am disputing any repossession classification and am concerned about inaccurate credit reporting and lack of required notice.

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