vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
XX/XX/XXXX : I purchased a single order from the site XXXX XXXX to send to XXXX XXXX using my XXXXXXXX XXXX XXXX XXXX. I received a confirmation email, after having the purchase go through PayPal, that an order was also being sent to an address in XXXX. I am trying to remember the details of the address and am seeking more information from XXXX XXXX about this dispute. I filed a dispute with XXXX XXXX XXXX XXXX, and they allowed me to determine that the charge was fraudulent. I also contacted PayPal to let them know that this charge was fraudulent ( I do have emails for this ), and they said that the charge wouldnt be dropped ( despite XXXX already addressing it ) because it was consistent with purchases I had made in the past. I had ordered maybe XXXX orders previously from XXXX XXXX, and a couple went to XXXX XXXX. XXXX to XXXX. XXXX was supposed to go to XXXX XXXX and never did. I had never sent XXXX to XXXX and didnt have any friends/family living there in XXXX. I didnt pay the {$32.00} fee, since I also got an email saying XXXX wouldnt pay the charge, which I thought meant it was taken care of. However, PayPal froze my account under XXXX, and later sent my information to XXXX XXXX XXXX agency. I received an email recently in XXXX, so I am still being bothered today over this issue. Details below of what I gathered from the many emails and images I have so far : Transaction date : XX/XX/XXXX Transaction amount : XXXX Transaction Id per PayPal per the email in XX/XX/XXXX : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Twice now Ive requested Midland Credit Management to request they provide proof of valid debt. Twice theyve provided vague documents not listing any adequate chain of custody, bill of sale or proof of debt assignment. The first request was on XX/XX/XXXX. They provided a generic letter stating they own a debt they claim is mine and to pay or they would sue. The second was XX/XX/XXXX and contained a generic Affidavit of Sale with no identifying accounts or information except they purchased a pool of charged off accounts. No information or account numbers identifying whose accounts they purchased. Theyve threatened legal action multiple times without validating debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Evergreen Moneysource Mortgage Company
State: CA

Complaint narrative:
removal of private mortgage insurance from my lender i have reach out to them twice. and they denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am filing this complaint against Jefferson Capital regarding multiple alleged accounts associated with account references beginning in XXXX. The alleged original creditor XXXX XXXX. On XX/XX/year>, I sent Jefferson Capital a written dispute, debt validation demand, fraud notice, cease-and-desist demand, and request for deletion of credit reporting. I disputed the validity, ownership, accuracy, legal responsibility, and collectability of these alleged accounts in their entirety. I denied liability and stated that I have no contract with Jefferson Capital creating responsibility for these alleged debts. I requested full validation, including signed contracts or applications, proof of legal responsibility, complete itemized accountings, original creditor information, proof of Jefferson Capitals authority to collect and report, chain-of-title documentation, copies of notices and communications, relevant account dates, and identification of every consumer reporting agency to which Jefferson Capitalfurnished the accounts . Jefferson Capital is on notice that these accounts are disputed as inaccurate, unverifiable, and potentially fraudulent. If Jefferson Capital can not provide competent documentary evidence proving that I am legally responsible and that the balances and reporting are accurate, the accounts should not continue to be collected or furnished to any consumer reporting agency. This complaint involves potential violations of the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g for validation of debts, 15 U.S.C. 1692c ( c ) for cease-communication rights, 15 U.S.C. 1692e for false or misleading representations, and 15 U.S.C. 1692f for unfair collection practices. It also involves potential violations of the Fair Credit Reporting Act, including 15 U.S.C. 1681s-2, which governs furnisher duties to provide accurate information, investigate disputed information, and correct or delete inaccurate, incomplete, or unverifiable reporting. Regulation F, including 12 C.F.R. 1006.34 and 12 C.F.R. 1006.6, and Regulation V, including 12 C.F.R. 1022.42 and 1022.43, are also relevant because this matter involves debt validation, cease-communication rights, and furnisher duties concerning accuracy and investigation. I request that Jefferson Capital Funding Jefferson Capital provide complete validation and verification for each alleged account, cease collection activity except as legally permitted, conduct a reasonable investigation, stop furnishing the accounts as accurate unless fully verified, delete or request deletion of any inaccurate, incomplete, unverifiable, or fraud-related reporting, and provide written confirmation of the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I am filing this complaint regarding PayPal and its collection agency, XXXX XXXX XXXX XXXX, for attempting to collect an invalid debt arising from a fraudulent transaction and PayPals mishandling of the associated fraud investigation. On XX/XX/year>, my PayPal account was hacked. I immediately contacted PayPal and followed the security procedures they instructed me to complete. PayPal confirmed that my account had been secured. On XX/XX/year>, a fraudulent {$900.00} cryptocurrency-related transaction was processed through my PayPal account XXXX I immediately reported the transaction as fraud and froze my account. The {$900.00} had been withdrawn from my XXXX XXXX account. On XX/XX/year>, PayPal notified me that its investigation was complete and that the transaction would be refunded. The {$900.00} was returned to my XXXX account, and my PayPal balance returned to {$0.00}. On XX/XX/year>, PayPal unexpectedly changed my account balance to negative {$1800.00} and demanded payment. I repeatedly contacted PayPal seeking clarification and documentation regarding this alleged balance. During a call on XX/XX/year>, PayPal representatives initially claimed that both PayPal and XXXX had refunded the original transaction, which they asserted created a double refund. I reviewed my XXXX transaction history with them during the call, which showed that only a single {$900.00} refund had occurred. I was then transferred to another PayPal representative who acknowledged that PayPal had made an error in the fraud investigation and had mistakenly marked my fraud case as lost. I was told that documentation and transaction history would be provided to me. Despite multiple requests, PayPal has never provided : documentation supporting the alleged debt, a complete transaction history, findings from the fraud investigation, or proof supporting any claim that duplicate refunds occurred. Instead, on XX/XX/year>, I received a collection notice from XXXX XXXX XXXX XXXX attempting to collect a debt of {$1800.00} on PayPals behalf. I dispute this debt entirely. PayPal has failed to provide adequate validation of the debt despite repeated requests and has referred the matter to collections while failing to substantiate its claims. I am requesting that : this alleged debt be investigated, all collection activity cease pending validation, any negative credit reporting related to this matter be removed or marked disputed, and PayPal be required to provide complete documentation supporting its claims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE REPORTED LATE PAYMENTS ARE INACCURATE AND DO NOT ACCURATELY REFLECT MY PAYMENT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
FORMAL NOTICE OF FDCPA & FCRA WILLFUL NON-COMPLIANCE PURSUANT TO SUPREME COURT PRECEDENT This complaint is formally lodged against MIDLAND CREDIT MANAGEMENT for critical data integrity violations and a failure to perform a contractually valid, human-led validation of an alleged consumer account. I. REPOSITORY DETERMINATION & DEMOGRAPHIC MISMATCH The consumer reporting repositories ( specifically XXXX under Confirmation # XXXX ) have thoroughly investigated and permanently expunged all fraudulent historical XXXX residential address anchors from my credit file. My exclusive, authenticated legal identity parameters reside solely in XXXX, IL. Because this third-party debt buyer 's purchased file inception is fundamentally tethered to deleted, fraudulent identity markers, they do not possess a valid, uncorrupted geographic or biometric matching link to reconcile this trade line with my clean consumer profile. XXXX non-standard internal notation codes like " XXXX '' and mismatched account types across different repositories proves a total lack of structural oversight. XXXX. SUPREME COURT PRECEDENT & CIVIL LIABILITY Concrete Injury Under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : The Supreme Court explicitly affirmed that a consumer suffers an immediate, actionable injury under the FCRA the moment a furnisher publishes false or highly misleading derogatory information to third parties. Continuing to publish a collection record using corrupted historical demographic hooks directly restricts my automotive financing eligibility. Substantial Risk of Harm Under XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Continuously broadcasting unverified collection data maliciously skews my overall utilization and credit modeling metrics, creating a real-world, ongoing financial barrier. XXXX. STATUTORY CEASE AND DESIST TELEPHONE BAN Pursuant to 15 U.S.C. 1681s-2 ( b ) and the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ), I am formally notifying this entity to immediately CEASE AND DESIST all telephonic communication, automated dialer outreach, or collection agent calls to my personal phone numbers regarding this matter. All communications must be handled strictly through the written CFPB portal channel. IV. DEMAND FOR ENFORCEMENT Automated e-OSCAR database verification is legally insufficient when the underlying geographic identity links have been destroyed by a repository fraud investigation. I demand that MIDLAND CREDIT MANAGEMENT immediately issue a directive to XXXX, XXXX, and XXXX to permanently DELETE this non-compliant, unverified collection trade line from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
-- - # # # Draft for Your CFPB Complaint Description * * What happened : * * XXXX I am filing this complaint against Midland Credit Management for failing to maintain accurate credit reporting and failing to honor their consumer disclosure policies regarding paid accounts. XXXX I had an outstanding collection account with Midland Credit Management originating from a credit card account issued by XXXX XXXX XXXX XXXX and serviced by XXXX XXXX XXXX. XXXX XXXX XXXX On XX/XX/year>, XXXX XXXX XXXX issued an official status letter confirming that this account was " Paid in Full '' with an account balance of {$0.00}. This documentation can be verified by referencing the attached file named " XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. XXXX XXXX XXXX Despite receiving explicit notice and warning that a payment was made and that the balance was satisfied in full, Midland Credit Management has failed to remove the collections trade line from my credit reports. XXXX Midland Credit Management explicitly states in its corporate policy that it will request deletion of a collection account with the credit bureaus within approximately 30 days of a payment posting that satisfies the account. It has been well past that window, and the damaging collection record remains on my credit file. > Under the Fair Credit Reporting Act ( FCRA ), credit furnishers are legally obligated to report accurate information. Keeping a collection active or failing to delete it per company policy after full satisfaction constitutes inaccurate and misleading reporting. * * Desired Resolution : * * XXXX I request that Midland Credit Management immediately honor its policy and delete this collection account from all credit reporting agencies ( XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
b'My name was used without my knowing for monetary gain'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 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 reporting federal criminal collusion, wire fraud ( 18 U.S.C. 1343 ), and computer fraud ( 18 U.S.C. 1030 ) involving unauthorized manual administrative overrides of my accounts. Forensic analysis of my accounts has exposed a coordinated, manual effort to intercept and 'shadow-vault ' assets totaling {>= $1,000,000} to the benefit of the entity XXXX XXXX XXXX XXXX XXXX . This is not a system error ; it is a targeted, manual operation using administrative bypass codes at Node ID XXXX to facilitate asset conversion. The institution has failed to provide a transparent accounting of this activity, demonstrating bad faith and active obstruction of justice. I demand a full forensic audit of all User IDs and Administrative Override Codes ( AOC ) associated with these bypasses, the immediate termination of the colluding personnel, and the restoration of my funds, including all withheld student disbursements. I am holding the institution strictly liable for this {>= $1,000,000} plus compensatory damages for intentional financial obstruction. My complete Master Exhibits Portfolio is available for federal review ; this matter is being treated as an active criminal case. ''

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 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
XXXX contacted me from PNC Bank. She sent an email and called and that was it. She acted like she was my psychologist or something. She just listened and did nothing and basically repeated what I had said then she was callous and rude and saying that they had a right to do what they did and that they did not have to reimburse me for the cost and especially didnt address holding my customers money at bay and making me look like a bad businessman all because they incorrectly labeled to check that I had written to them as bad when it came from a bank. Ive been with for XXXX years who told me everything was fine on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I did not open or authorize this account. This account appears to have been opened fraudulently using my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
For the past 3 months i have been making my car payments. I had missed one payment and got payment back on track. Now they say Im 3 months behind and my loan dont look like any thing fell off since I have been making my payments when i purchased the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: PA

Complaint narrative:
I filed a fraud dispute with chime which is currently under investigation. I have {$900.00} stolen from me by a card skimmer. There is an active police report about the dispute as well. I just got paid from my job and instead of moving my paycheck to my credit builder account they refuse to give me my paycheck back which was not supposed to be used to cover the negative balance that the fraud has caused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
My information was used without my consent for monetary gain

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 2026-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am submitting this complaint regarding multiple fraudulent accounts and inaccurate information appearing on my consumer credit reports as a result of identity theft. I do not recognize, authorize, or have any knowledge of the following accounts reporting on my credit file : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in negative reporting, collections activity, and damage to my consumer credit profile. I did not open, apply for, authorize, or benefit from any of the aforementioned accounts. I previously filed an FTC Identity Theft Report regarding these fraudulent accounts and have disputed the inaccurate reporting ; however, the accounts continue to appear on my consumer reports. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting a reasonable investigation into these accounts and the removal or blocking of any information determined to be fraudulent, inaccurate, or the result of identity theft. I have attached supporting documentation, including my FTC Identity Theft Report and proof of identity, in support of my complaint. I am seeking correction of my consumer reports to ensure that only accurate and verifable information is reported.

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 2026-05-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I contacted XXXX due to the collection being on my credit. Once I got a representative on the phone I was informed that XXXX no longer has my case since XXXX nor do I owe them. They are vailating my rights according to the FCRA. Experian never provided proper validation of the accounts that are in dispute including inquires according to the FDCPA 15 USC 1692 g I was never provided a sign affiliated under penalty of XXXX from the furnisher stating that the account Information being provided is 100 % accurate according to law. Experian was to conduct a proper investigation to provide the documentation outline above.

Company response to consumer: Closed with explanation