vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: LA

Complaint narrative:
This complaint concerns a debt that was fully paid but has not been removed from my credit report. I paid the balance owed on this account in full in the amount of {$390.00}. The payment was successfully processed and accepted by the company. Despite the account being paid, it continues to be reported on my credit report as an outstanding or negative account. Since the payment was made, I have contacted the company to request that the account be updated or removed to accurately reflect that the debt has been paid. As of today, no correction has been made, and the inaccurate reporting remains on my credit report. Reporting a paid debt as unpaid or failing to update the account status is inaccurate and negatively impacts my credit. I am requesting that the company promptly update or remove this account to reflect its correct status and ensure compliance with fair credit reporting requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is a non-profit registered with XXXX # XXXX. Our organization maintains a PayPal account used for our non-profit operations. We have been locked out of the account due to two-factor authentication being linked to a phone number that is no longer active. As a result, we are unable to access our account or the funds held within it. We have made no fewer than eight separate attempts to resolve this issue directly with PayPal through their customer service channels. Despite these repeated efforts, PayPal has provided inconsistent, incomplete, and at times contradictory information regarding the steps required to restore access. Representatives have failed to offer a workable solution and have not adequately documented or acknowledged our prior contacts concerning this matter. PayPals failure to provide a reasonable mechanism for identity verification and account recovery has resulted in the continued restriction of our access to organizational funds. These funds are necessary for our operations, and their continued detention is causing harm to our organization. We respectfully request regulatory review of PayPals account access and recovery procedures, and assistance in securing prompt restoration of access to our account and funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
This is the second complaint for the same issue which remains unresolved although the case was closed. Further attempts to reach out to Bank of America have fallen flat and my access to XXXX XXXX continues to be denied. Debit card not eligible for XXXX XXXX despite resolved dispute. Bank of America is preventing my debit card from being added to XXXX XXXX due to a prior disputed charge, even though the dispute was resolved and the merchant refunded the money. The disputed charge was for approximately {$29.00} and occurred about a month ago on/around XX/XX/XXXX. The merchant issued a refund and the dispute is closed. My account is otherwise in good standing. Bank of America representatives have told me that my debit card and even a replacement card with a new number is permanently ineligible for XXXX XXXX because of this past dispute. They have refused to review or remove the digital wallet restriction. Reaching out to online banking does not provide a solution. I need access to my debit card on apple wallet. Its absolutely ridiculous to have a life time ban over {$30.00} when Ive been a customer for over 16 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 2026-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
PayPal permanently limited my account on XX/XX/XXXX. On XX/XX/XXXX, PayPal determined that my remaining balance of {$2500.00} would not be released. I am not disputing PayPals right to limit my account based on internal risk assessments. My complaint concerns the permanent retention of my funds. The funds in my account originated from cryptocurrency transactions and were used for lawful online gaming and betting activities. These transactions were processed openly and were not disputed by any counterparty. There were no chargebacks, no buyer disputes, no unauthorized transaction claims, and no negative balance on my account. After a legitimate gaming payout was received, my account was permanently limited and the remaining balance was retained. PayPal has not identified : Any specific transaction that resulted in a financial loss Any quantified liability amount Any calculation showing how the retained balance corresponds to a documented loss Instead, PayPal repeatedly cites confidential risk criteria and proprietary modeling and refuses to provide transaction-level justification. A risk determination does not automatically create a financial liability. If PayPal asserts that a financial loss occurred, I request disclosure of the transaction ID ( s ), the loss amount, and the calculation method. If no documented financial loss exists, the permanent retention of {$2500.00} is unjustified. I am requesting regulatory review of PayPals decision to permanently retain my funds without substantiated liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding a collection claim from XXXX XXXX XXXX, XXXX for {$2200.00}, allegedly related to a XXXX XXXX XXXX account that was sold to LVNV Funding LLC ( account number XXXX ). To be clear, I do not recognize this debt, and I never authorized this reporting or collection in any way. The fact that this collection is still ongoing is extremely frustrating and mentally draining. I am being wrongfully harassed over an account that is not mine. Ive had no prior knowledge of this debt, and the lack of proper communication and documentation from XXXX XXXX XXXX has only added to my frustration. This kind of treatment, where I am made to feel like a criminal for something I did not do, is unacceptable. It's unfair to be subjected to these actions, especially when I'm already aware of my rights under Florida law, specifically within XXXX XXXX, which provides protections against unlawful debt collection practices. It is disheartening that instead of helping consumers, companies like XXXX and XXXX XXXX engage in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). This collection claim also violates 15 U.S.C. 1692g, which requires debt collectors to provide proper validation of any debt they are attempting to collect. The fact that I have not received sufficient documentation to validate this alleged debt is a violation of my rights. Furthermore, the collection activities are also in violation of 15 U.S.C. 1681b, which mandates that a debt collector must have a permissible purpose before accessing or reporting any consumer information. Whats even more disturbing is the toll this situation is taking on my mental health. The stress of dealing with fraudulent debts, combined with the constant need to respond to collection efforts, has become overwhelming. This situation is causing real emotional distress, and I believe I am entitled to relief under both federal and state laws. I am requesting a thorough investigation into this matter, proper validation of this debt, and an end to the ongoing collection efforts. It is time for these unfair practices to be held accountable, and I trust that the CFPB will take immediate action to address the harm caused by these unlawful debt collection practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am a victim of identity theft. On XX/XX/year>, an unauthorized person hacked my XXXX account and used {$1000.00} in gift cards ( claim # XXXX ). I have provided Wells Fargo with an official FTC report ( REPORT # XXXX ), which is federal documentation of this crime. Despite this, Wells Fargo is refusing to reopen my fraud claim, stating the merchant ( XXXX ) has sufficient evidence. The merchant 's evidence is simply the information used by the identity thief. Under Regulation E, I am not responsible for these unauthorized charges. Wells Fargo is failing to conduct a reasonable investigation by ignoring my federal affidavit.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the above-referenced account as it appears on my billing statement and/or credit report. Pursuant to 15 U.S.C. 1666, I am notifying you of a billing error. This notice is sent within 60 days of the statement reflecting the alleged error. Under 15 U.S.C. 1666 ( b ), a billing error includes, but is not limited to : A charge that was not authorized by me ; A charge that is incorrectly stated ; A failure to properly credit a payment ; A charge for goods or services not accepted or not delivered as agreed ; A computational or accounting error. The disputed issue is as follows : [ Explain clearly why the charge/account is incorrect. ] Under federal law, you are required to : The disputed issue is as follows : [ Explain clearly why the charge/account is incorrect. ] Under federal law, you are required to : Acknowledge receipt of this dispute within 30 days ; Conduct a reasonable investigation ; Correct the error or provide written explanation within two billing cycles ( not exceeding 90 days ) ; Refrain from reporting the amount as delinquent during the investigation period.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 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: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Official Statement Regarding Case Review and Resolution Request We are formally requesting a comprehensive and independent review of the following charges and associated case determinations, which have been denied multiple times despite timely appeals and ongoing efforts to resolve these matters in good faith : Case Details Case No. XXXX Amount : {$2100.00} Appeal Filed : XX/XX/XXXX Appeal Reference : XXXX Case No. XXXX Amount : {$450.00} Appeal Filed : XX/XX/XXXX Appeal Reference : XXXX Both cases were formally appealed on XX/XX/XXXX. Despite repeated attempts to obtain a fair review, prior reconsideration requests have been denied without what we believe to be a complete and objective evaluation of the supporting documentation and relevant facts. These matters have now been contested for over one year. The prolonged dispute, repeated denials, and lack of substantive resolution have created unnecessary financial and administrative hardship. At this point, a fair and equitable resolution is a full refund of the amounts in question : {$2100.00} ( XXXX XXXX. XXXX ) {$450.00} ( XXXX XXXX. XXXX ) We respectfully request : An immediate and impartial review of both cases Written clarification explaining prior denials Prompt issuance of full reimbursement Confirmation of corrective action to prevent similar occurrences We maintain extensive supporting documentation, including over 120 screenshots of photos and conversations directly related to these cases. All documentation, screenshots, and additional evidence can be provided upon request if further verification is necessary. Our objective is not conflict, but closure. We are seeking accountability, transparency, and a just resolution after more than a year of good-faith efforts to resolve these charges. We remain prepared to pursue all appropriate avenues to ensure this matter is addressed fairly and completely. Further updates will be provided as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I am filing a complaint regarding an unvalidated debt in the amount of {$230.00} that was reported on my credit report by Credit Collection Services. I dispute this debt. I do not recall receiving any prior written notice, validation notice, or communication regarding this account. Upon discovering the collection on my credit report, I requested validation of the debt. The company has failed to properly validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Despite failing to provide validation, the company continues to report and/or has reposted this account on my credit report. Reporting a debt without proper validation and failing to respond to a validation request is improper and damaging to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Company : XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, if applicable ) Issue : Billing error / unexplained balance I am filing this complaint regarding my XXXX XXXX XXXX XXXX XXXX account, which is currently reflecting an unexplained remaining balance of approximately {$600.00}. My understanding is that the promotional balance on this account should be zero. However, XXXX XXXX continues to report that a balance remains due. When I contacted customer service, representatives were unable to clearly identify what specific purchases, fees, or transactions make up the remaining balance. This lack of itemization and failure to explain the basis of the balance raises concerns under the Truth in Lending Act and Regulation Z, including : - 12 CFR 1026.13 ( billing error resolution requirements ) - 15 U.S.C. 1666 ( creditor investigation obligations ) - 12 CFR 1026.7 ( accurate periodic statement requirements ) Because the creditor can not clearly substantiate the balance, I am disputing the accuracy of the amount currently being reported. Interest on the account is scheduled to resume on XX/XX/year>, making this a time-sensitive matter.

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 2026-02-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-25 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I got a payment returned informing me it wasn't enough. Truist told me in XX/XX/year> my payment went to a fixed rate with principal included. I moved around that time and didn't get the payment schedule change. With the returned payment I got a foreclose notice. Just the previous week I sent an email to the XXXX XXXX office wanting to work out a payment plan other than interest only. I received no answer because only top level supervisors are allowed to email clients. This should be changed because most business is done electronically. I'd like CFPB to intervene on my behalf.

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 2026-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am disputing a derogatory entry on my credit file that has created immediate and severe financial consequences for me. This negative mark has directly resulted in the rejection of a recent credit application and has caused my current lenders to increase my interest rates, adding substantial monthly costs to my budget. The ongoing presence of this disputed information is blocking my access to reasonable credit terms and is creating significant hardship for myself and my family. The financial strain and emotional stress caused by this negative reporting have been considerable, and I require immediate investigation and resolution to prevent further deterioration of my credit standing and financial opportunities.

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 2026-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I tried to deposit a check in the amount of {$320.00}. The check was written to one of our companies. XXXX XXXX has an account for that company but Wells Fargo does not have. Since there are no XXXX XXXX in the area, I endorsed the check property and attempt to deposit at Wells Fargo. However, Wells Fargo denied the deposit. In practice, they want to force me to open up additional account at Wells Fargo so they can collect account fees.

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 2026-02-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RFNA, LP
State: KY

Complaint narrative:
This company has taken over the debt from Republic Finance. Its been years since I requested written details to verify the collection. Ive repeatedly called. Theyre still reporting on a charge-off on my credit report, but I can not get a response from anyone to settle the debt.

Company response to consumer: Closed with explanation