vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-23 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Pacific Retrieval LLC
State: CA

Complaint narrative:
Pacific Retrieval a debt collection agency in XXXX called me this past Tuesday XX/XX/XXXX. I wasn't aware that I had debt from an old car getting towed because I had moved. So I never got any of the letters that were originally sent. Spoke to this person named XXXX who told me that morning that I could think about my options and that he would send me an email with all the information/ documents. Proceeded to call me again at XXXX and went off on me. Told me that because I'm in XXXX and young ( XXXX ) that I shouldn't be struggling even though I work full time and go to school full time. Proceed to yell at me that I was wasting his time when I asked to see what a monthly payment plan would look like vs the " 50 % off '' two payments in a month. At one point, he said I don't think you are going to pay this so I'm just going to tell the lawyer that you said no. Even though, I had explained to him that morning that I wouldn't be able to make a payment that day due to having multiple finals and pet sitting. He originally said that fine, and that I could make a small amount to show that I was going to pay the rest tomorrow. Then completely lied about it later saying that he doesn't think I can afford it so he making the decision to tell the lawyer that I can't pay. Proceeded to go off on about the email, because I had simply ask why he never sent the email like I had asked for. Threaten to take me to court multiple times, and said that he would ruin my credit score. I felt extremely unsafe and uncomfortable. Called the next day to speak to a general manager, and the general manager proceed to use foul language and laughed at me. When I tried to explain how unprofessional that situation was.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SD

Complaint narrative:
Description of Event : On XX/XX/year>, I was targeted by an online imposter scam involving a fraudulent " XXXX XXXX '' scheme executed over the PayPal network. The perpetrator utilized deceptive phishing tactics, explicitly misrepresenting financial network capabilities to induce a transfer via PayPal 's " Friends and Family '' feature. There were four transactions that totaled {$1900.00}. Details were as follows : Transaction ID : XXXX - {$490.00} Transaction ID : XXXX - {$500.00} Transaction ID : XXXX - {$500.00} Transaction ID : XXXX - {$490.00} The Problem with the Financial Institution : I immediately identified the transaction as criminal fraud and filed a dispute with PayPal Holdings , Inc. PayPal summarily denied my claim within minutes using automated systems under the designation of " Authorized Use/No Unauthorized Access. '' PayPal failed to conduct a meaningful human review of the transaction context, entirely ignoring the documented phishing and imposter protocol used by the bad actor. By automating denials on clear imposter scams, PayPal is failing to protect consumers from systemic digital exploits actively targeting their infrastructure. Desired Resolution : I request that PayPal reverse the fraudulent transaction, restore my account profile status, and cease any negative balance collection efforts resulting from this documented cybercrime. Additional information provided by consumer : XXXX I have also reported this incident through the FBI 's Internet crimes complaint center. there are 2 complaint number including XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc

Complaint narrative:
Company Name : PayPal Issue : Unfair Currency Conversion / Unauthorized Exchange Rate Fee My PayPal account email : XXXX Transaction XXXX Transaction ID : XXXX I run crossborder business and have enabled receiving both USD and XXXX in my PayPal account. A customer sent payment in USD, but PayPal automatically converted USD to XXXX without my authorization, applying a much worse exchange rate than the market rate. This resulted in an unfair financial loss of XXXX. I have contacted PayPal customer service repeatedly, but they refused to refund the exchange difference or correct the issue. PayPals practice of forced automatic currency conversion with predatory exchange rates is an unfair commercial practice and violates consumer protection principles. I request CFPB to assist me in requiring PayPal to refund my full exchange loss and stop unauthorized automatic currency conversion for my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: PayZen, Inc.
State: TX

Complaint narrative:
I called them today, XX/XX/year>, regarding this message. I explained that I was not informed I had to pay within XXXX hours ; if I had known that, I would not have applied for the care card. If I had the funds available, I wouldn't have needed to use the card. They told me to contact my bank to resolve this, but I don't think that's right since I owe the money. Then they mentioned fixing the next payment, but I told them it's fine because it is due in 30 days, as it should benot within XXXX hours. If I had known I would be expected to pay within XXXX days, I would not have gone to the doctor at that time. I believe this situation is unfair, and they had us set up automatic draft payments so they can make payments in XXXX hours without our acknowledgment, it to let for us do something about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Perpay, Inc.
State: GA

Complaint narrative:
For the record, I formally dispute the alleged PERPAY late payment reporting appearing on my consumer credit file. I have no knowledge of this alleged delinquency and do not acknowledge liability for the reporting of this account. I am demanding strict proof and hard-copy documentation establishing that this account lawfully belongs to me and that the alleged late payment reporting is complete, accurate, and fully verified. I demand that XXXX immediately provide the full method of verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) and 1681i ( a ) ( 7 ), including the name of the party who verified the information, the procedure used, the date of verification, and all documents relied upon during the investigation. I specifically request hard copies of any signed contract, payment history, account statements, original application, authorization records, and any admissible evidence bearing my lawful signature. An automated or electronic verification response is not competent evidence and does not satisfy the requirement of maximum possible accuracy under 15 U.S.C. 1681e ( b ). Due to widespread identity theft and national data breaches, I have serious concerns regarding the accuracy and integrity of this reporting. Furthermore, I demand that XXXX and all furnishers cease and desist from reporting unverifiable, misleading, or inaccurate information on my consumer report. Continued reporting of disputed information without competent proof may constitute negligent or willful noncompliance under 15 U.S.C. 1681n and 1681o. Under UCC 1-308, all rights are reserved without prejudice. If competent written proof can not be produced immediately, I demand deletion of the disputed late payment information without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Cease and Desist / Debt Validation Demand Account Reported : XXXX XXXX XXXX Original Creditor : First Progress Synovus Bank Reported Balance : {$240.00} To Whom It May Concern : I am formally disputing the alleged debt referenced above pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Your company is currently reporting a collection account on my consumer credit file associated with an alleged First Progress Synovus Bank account. This account is disputed in its entirety. I demand that XXXX XXXX immediately cease all collection activity unless and until you provide competent evidence establishing : 1. The existence of a legally enforceable obligation ; 2. A complete chain of title proving XXXX XXXX has lawful authority to collect ; 3. A copy of the original signed agreement bearing my signature ; 4. Complete payment history and accounting records ; 5. Proof that the alleged debt amount is accurate ; 6. Documentation demonstrating compliance with all notice and validation requirements under the FDCPA and applicable state law. Additionally, my consumer reports contain active fraud alerts due to prior identity theft concerns. Any failure to reasonably investigate disputed information may constitute violations of federal law. Pending validation, you are directed to : * Cease all collection communications; * Cease reporting or furnishing the account to any consumer reporting agency ; * XXXX the account as disputed by consumer in all reporting systems; * Refrain from selling, assigning, or transferring the account during the dispute period. If XXXX XXXX can not provide full competent validation, I demand immediate deletion of all associated tradelines from XXXX XXXX XXXX XXXXnd any other consumer reporting agency to which you have furnished information. Please be advised that continued reporting of inaccurate, incomplete, unverifiable, or misleading information after receipt of this notice may constitute willful noncompliance under the FCRA and FDCPA, including but not limited to violations related to inaccurate reporting, failure to investigate, and collection of disputed debt without proper validation. All future communications regarding this matter must be made in writing only. This letter is not an acknowledgment of liability, nor is it permission to restart any statute of limitations period. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
A bank called Popular Bank of Puerto Rico offered an unsecured credit card. During the period of the credit card fraudulent charges were made by someone other than myself. The bank closed the account in XX/XX/XXXX. Ive requested since XX/XX/XXXX from bank the statements several times and have not received them. This was an unsecured credit card and presently XXXX the bank has filing in court for garnishment of my financial situation. At no point have I been contacted by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint against XXXX ( XXXX ), ProCollect, IncXXXX ( furnisher, Account # XXXX ), and XXXX XXXX XXXX XXXX XXXX XXXX on the XXXX ( original creditor ) for willful violations of the FCRA. Despite being provided with irrefutable evidence including the falsified Final Account Statement ( Exhibit C ), proof that S2 employee XXXX XXXX was directly CCd on the correct move-out documents ( Exhibit D ), and ProCollects own court filing that relies on the falsified document ( Exhibit E ) ProCollect verified the collection as accurate on XX/XX/XXXX. This demonstrates a failure to conduct a reasonable investigation as required by 15 U.S.C. 1681s-2 ( b ). The attached exhibits make clear that no reasonable investigation could possibly conclude this debt is valid. Continued reporting of this knowingly inaccurate information constitutes a willful violation of the FCRA. Key facts : On XX/XX/XXXX, I submitted proper move-out notice with justification for habitability/safety violations under Texas Property Code ( Exhibits A & B ). S2 falsified the Final Account Statement anyway ( Exhibit C ), even though their employee had actual knowledge ( Exhibit D ). ProCollect is relying on the falsified document in active XXXX court case XXXX ( Exhibit E ). I disputed with all bureaus and ProCollect. XXXX confirmed ProCollect verified it as accurate anyway. Requested relief : Immediate permanent deletion of the collection from all three credit reports ( XXXX XXXX XXXX ) as if it never existed. Full investigation and maximum enforcement action against XXXX, ProCollect, and S2 for these willful violations. Written confirmation to me of all actions taken. I have attached the complete evidence package including the XX/XX/XXXX dispute letter, XX/XX/XXXX XXXX results, falsified documents, court filings, and photos.

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 2026-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: IA

Complaint narrative:
Radius Global collections reported bad debt from XXXX XXXX XXXX XXXX XXXX XXXX can not verify the collection, wrong name XXXX XXXX, wrong address, XXXX XXXX XXXX XXXX and XXXX dropped off credit, XXXX still reporting, with each dispute, there is time being added to the delinquency. First reported XXXX. I left Alaska XX/XX/XXXX. Havent used XXXX since divorce XXXX. Asked for documentation they can not provide any. When I call in to dispute all they say is I owe it to, no documents ever provided. XXXX XXXX XXXX cant help. I dint have any documents to prove I owe it, nor any documents to prove from Radius Global. And its been more than 7 years

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 non-monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I stayed at La XXXX XXXX from XX/XX/year> through XX/XX/year>. During the stay, multiple concerns arose involving the condition of the property, safety/accessibility concerns, and the handling of guest complaints. Throughout the stay, I experienced repeated discomfort and distress connected to interactions in the breakfast/common-area environment. I also experienced concerns regarding sticky flooring and mobility/accessibility issues that created safety concerns from my perspective due to existing balance and XXXX medical conditions. After the stay, I contacted both the property and XXXX XXXX XXXX multiple times seeking review of the concerns, preservation/review of surveillance footage , and investigation into the conduct issues described. I also requested review of the billing and stay circumstances connected to the transaction. The property later responded denying that concerns had been reported during the stay. However, the response email incorrectly stated that my reservation originally ran from XXXX XXXX XXXX when I had actually checked in on XX/XX/year> and remained at the property until checking out on XX/XX/year>. XX/XX/year> was only the date that payment methods/cards were changed during the ongoing stay. This caused concern that the property may not have fully reviewed the reservation timeline, guest communications, or records before responding. The transaction amount associated with the stay was approximately {$570.00}. Payment methods used during the stay included Capital One and a XXXX Capital One card. I disputed the transaction with Capital One on XX/XX/year> after attempts to resolve concerns directly with the company. I also previously experienced separate unresolved lodging-related concerns involving other hotel properties, including XXXX XXXX XXXX and XXXX XXXX, which contributed to my concern regarding the overall handling of guest complaints, billing disputes, and customer care escalation processes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-23 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: Imprint Payments, Inc.
State: OH

Complaint narrative:
XXXX recently moved card services to imprint. I have not received cards, I can not login to to link sent by imprint, I have called on numerous occasions impossible to get through. I receive a new email daily stating a different amount owed. Payments are due on the XXXX of each mont h, full balance of {$110.00} wast sent on XX/XX/XXXX posted on my chase account XX/XX/XXXX. Payment was made well before the transition to imprint scheduled on XX/XX/XXXX. In order to resolve the issue imprints automated help line requires card number which I have not received, and keeps telling me I have a virtual card. Imprint has disconnected the supposed direct line XXXX, and forces you to use the XXXX XXXX XXXX XXXXXXXX which leads you in circles. I have been a XXXX card holder since XXXX, and now for some reason some of my onformation has been mingled with my sons credit report wwho does not even have a shell card, that in itself XXXX be the issue. You can not fix the problem if you can not talk to anyone.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Imprint Payments, Inc.
State: WA

Complaint narrative:
I was a XXXXXXXX XXXX XXXXXXXX cardholder in good standing, issued by Imprint Payments , Inc . I made my payments on time and was never in default. I had made payments from two to three of my own personal bank accounts. Imprint closed my account around XX/XX/year>XXXX because I used more than one bank account to pay my bill. I was never informed in any cardholder agreement notice, email, or call that paying from multiple personal bank accounts was prohibited or could result in closure. Imprint gave me no warning, no request for clarification, and no opportunity to respond before closing the account. Paying a credit card from more than one personal bank account is normal and lawful. This closure harms my credit. Replacing the lost credit line requires opening a new account, which lowers my average account age and reduces my available credit, damaging my credit score through no fault of my own. At the time of closure I had {$240.00} in earned rewards tied to this card. Imprint allows these rewards to be redeemed only on the Imprint-issued card itself but Imprint had already closed that card. The only way to use my own rewards was to run purchases on a card Imprint had cancelled. Because the rewards are use-it-or-lose-it, I was forced to forfeit approximately {$70.00} in earned value I could not redeem. I also have another approximately {$45.00} in pending rewards not issued to me. Imprint created the condition that caused the loss and then enforced the forfeiture. Separately, I am owed {$200.00} in refunds from a returned purchase that was credited back to my account on XX/XX/year>XXXX my own money. When I called, Imprint told me it would not issue the refund promptly. Imprint is holding both my refund and my earned rewards without justification. What would resolve this : Immediate release of the {$200.00} refund owed to me. Restoration of the FULL {$240.00} in rewards in usable form, including the approximately {$70.00} I was forced to forfeit solely because Imprint closed the card needed to redeem them or direct payment of that value. Restoration of the full {$45.00} pending rewards in usable form, or direct payment to me of that value A written explanation of the specific policy I allegedly violated and the date and method of any notice provided to me before closure, and proof that I was given chance to keep account open. Monetary compensation of {$500.00} for the inconveniences this has caused me, as well as damages to my credit history. I acted in good faith and paid my balances. Imprint 's actions cost me money I earned, money I am owed, and damage to my credit all without notice or recourse.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Imprint Payments, Inc.
State: OH

Complaint narrative:
On XX/XX/year> the XXXX credit card was migrated off of XXXX and over to some company called imprint ( located at imprint.co ) I tried accessing my new account on XX/XX/year> using the website where I entered my identifying information. The website claimed that the account did not exist. On that same day of XX/XX/year> I contacted imprint.co by phone requesting assistance accessing my account. An agent answered and looked up my information when I dictated it to him. On his end my account DID show up, and he told me that the reason I could not access it was likely because the system was still migrating, and to try again after XX/XX/year>. Of note - accounts were meant to be accessible as early as XX/XX/year> to allow users to configure payment information since auto-pay would not transfer, so this first interaction is already a red flag. On XX/XX/year> I again attempted to use the website but account lookup failed. I repeatedly tried to access my account on the XXXX, XXXX and XXXX. After the XXXX I stated trying to call the imprint.co phone number to get assistance. However- now I just remain on hold indefinitely. I have had no one answer any phone calls for a full week now. I am filing this complaint on XX/XX/year>. I still can not access my account after numerous attempts. I have been calling the imprint.co phone number all day today and I remain permanently on hold. After an hour on hold the system simply hangs up on you claiming there are no support agents available to take the call. I have also sent emails which have gone unanswered. It seems like I am certainly not the only person struggling to access my financial information with imprint. ALL trustpilot reviews are XXXX star and reporting the same issue : XXXX : XXXX I initially just wanted access to my account, but it is clear that imprint.co is a mismanaged company that can not be trusted with people 's money, and I now want my account closed and personal data deleted from their systems. However, it appears to be impossible to do anything since it is impossible to communicate with a human at that company, so I am escalating the issue to CFPB.

Company response to consumer: Untimely response