vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
My Current account was closed on XX/XX/year> I had a balance of {$2200.00} which was supposed to be issued to me via check

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TX

Complaint narrative:
I am being contacted by TekCollect regarding an alleged debt connected to a XXXX account that I financed in XX/XX/year>. Shortly after entering into the agreement, XXXX filed for XXXX XXXX bankruptcy on XX/XX/year>, and by XX/XX/year>, the company ceased all operations, including customer support, treatment monitoring, and access to its mobile application. As a result, my orthodontic treatment was left incomplete and without any medical supervision or ability to continue. Due to the lack of support and physical discomfort experienced during treatment, I discontinued use of the aligners after approximately three months. The remaining aligners are unused. Despite the providers failure to deliver the full contracted service, the account continues to be maintained and reported by the financing company, and TekCollect has been engaged to collect on the remaining balance. I have formally disputed this account with the financing company and requested validation of the debt, including documentation of services provided and the legal basis for continuing to collect after the provider ceased operations. This matter is currently under review. However, TekCollect continues to attempt to collect on this account despite it being disputed and tied to incomplete and unfulfilled services. No sufficient validation has been provided demonstrating that the balance is legally enforceable under these circumstances. Given that the underlying service was not completed and became impossible to continue due to the providers closure, continued collection efforts by TekCollect are inappropriate and misleading..

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: CA

Complaint narrative:
My PayPal account was permanently limited by an automated algorithm immediately after withdrawing my legitimate freelance earnings ( {$120.00} ) from the verified platform " XXXX '' on XX/XX/2026. Despite providing official receipts and transaction proof, PayPal 's support ( XXXX XXXX ) refused a manual human review and issued generic automated responses. As a developer building digital services, this unjustified freeze of my total balance ( {$490.00} ) is causing severe professional and financial harm. I am a legitimate user, not a high-risk merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: KY

Complaint narrative:
I am disputing the accuracy of a collection account being reported by Absolute Resolutions. My records show that this account became delinquent in XXXX, and I have documentation from the original creditor reflecting that the account was past due at that time. I also have correspondence from XXXX Resolutions dated XX/XX/XXXX indicating the account had been placed with their company at that time. However, my credit report does not reflect any collection activity until XX/XX/XXXX, which is also when the account was paid in full. The account shows a collection status corresponding with the date of payment rather than the original delinquency timeline. This creates a clear inconsistency in the reporting timeline, as the account was delinquent in XXXX, placed with the collection agency in XXXX, but not reported as a collection until XXXX. I requested documentation supporting the Date of First Delinquency, the date the account was first reported to any consumer reporting agency, and the full reporting timeline. The company has not provided adequate documentation to support the accuracy of this reporting. I am requesting that the company either provide documentation substantiating the accurate Date of First Delinquency and complete reporting timeline, or correct or delete the account from all consumer reporting agencies if accurate documentation can not be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: EGL US, LLC
State: TX

Complaint narrative:
I advised the company Im no longer working due to an illness and was wondering where the extra charges came from. I was advised it will be late fees added each month I am late. I used to pay what I could to the payment until they raised the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: Google Compare Credit Cards Inc.
State: FL

Complaint narrative:
For approximately XXXX years, I was billed twice every month for the same internet/streaming service once by XXXX XXXX and once by XXXX XXXX due to an incorrect email address being attached to the Google account. I did not authorize duplicate billing, and I did not receive proper notice or invoices from Google because the account was tied to an email that was not mine. I spoke with XXXX XXXX who said it was a subscription and couldd not help me. I have tried repeatedly to talk to someone at Google and XXXX XXXX. I can not talk to anyone but am related to a forum.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I used XXXX ( XXXX, XXXX ) in connection with XXXX XXXX XXXX purchases. All associated accounts have now been closed and show as paid in full. However, despite the accounts being closed, I have not received a refund that I am owed in the amount of {$120.00}. This amount remains outstanding even though there is no remaining balance on any account. I have attempted to contact XXXX to request clarification regarding the status of this refund and to understand why it has not been issued. I specifically requested information about the refund timeline and the final resolution of the accounts. I have not received a clear response or resolution. The issue is not about any remaining debt. The issue is that funds owed to me have not been returned after the accounts were closed. This situation is connected to XXXX XXXX XXXX transactions that were canceled, and the accounts were subsequently closed without properly resolving the remaining balance owed back to me. XXXX has failed to provide clear communication, has not issued the refund, and has not explained the final handling of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
I was involved in a car accident on XX/XX/XXXX of 2026. The car was declared totaled by the app fault parties insurance the at XXXX XXXX took liability and was going to pay for the damages to the car. The at fault client only had {$10000.00} worth of coverage, which didnt cover the full amount of a car. Insurance is requesting a letter of guarantee to send that {$10000.00} payment. The finance company is refusing to send the letter of guarantee because its not the full amount. However I do have gap insurance that has been filed, but they can not proceed without the insurance payout. I am willing to pay whatever is left over after gap in the insurance payout but right now I am being left with damaged credit and {$35000.00} because the finance company is refusing to cooperate and the progressive is refusing to send the money without this letter which is all delaying the gap coverage claim and the finance company has already damaged my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I am filing this complaint against Comenity Bank for failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). I am the holder of a consumer credit account issued by Comenity Bank, which was later charged off. Despite this status, the company continues to report the account with an outstanding balance, creating a misleading representation of the true status of the alleged debt. I have disputed this account through the credit reporting agencies ( XXXX XXXX XXXX XXXX ) on multiple occasions. However, Comenity Bank has repeatedly verified the information as accurate without conducting a reasonable investigation or providing sufficient evidence to substantiate the reported data. The information being reported contains inaccuracies and inconsistencies, including : Continued reporting of a balance on a charged-off account Failure to properly investigate after formal disputes Incomplete or unverifiable information Misleading representation of the accounts legal and factual status This conduct constitutes violations of the FCRA, including : Failure to conduct a reasonable investigation ( 15 U.S.C. 1681s-2 ( b ) ) Reporting inaccurate or misleading information ( 15 U.S.C. 1681e ( b ) ) Failure to delete unverifiable information Additionally, Comenity Bank has failed to provide clear and accurate disclosures of material credit terms, in violation of the Truth in Lending Act ( TILA ). As a result of these actions, I have suffered damage to my credit profile, reduced financial opportunities, increased costs, and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I am filing a complaint against Huntington Bank regarding their denial of a fraud claim involving unauthorized electronic fund transfers. On XX/XX/year>, I received a phone call from an individual impersonating Huntington Bank. The caller appeared legitimate and referenced my account activity. During the call, they sent what appeared to be a legitimate fraud alert text message regarding a transaction. Believing I was communicating with my bank, I followed their instructions and confirmed the alert. The caller then instructed me to reset my password with them to log into my online banking to secure my account and adjust alert settings. While I was doing this under their guidance, they manipulated me into actions that resulted in {$500.00} being transferred from my XXXX XXXX credit line and {$1900.00} into a XXXX account. This was a coordinated impersonation scam. My actions were taken under false pretenses, and my consent was obtained through deception. I reported the incident to Huntington Bank, but they denied my claim stating that the transaction was authorized because I approved it. I dispute this conclusion. Under Regulation E, this should be treated as an unauthorized electronic fund transfer because my authorization was not informed or legitimateit was obtained through fraud by an individual impersonating the bank. Additionally, I question whether Huntington Banks fraud detection systems were functioning properly, as this unusual activity was not flagged or prevented. I am requesting that Huntington Bank : * Reopen and reconsider my claim * Provide a full explanation of their investigation and decision * Reimburse the {$500.00} that was fraudulently obtained I have also filed a report with the Federal Trade Commission. This situation has caused financial harm due to a scam that relied on impersonating the bank itself, and I believe I am entitled to protection under Regulation E. I appreciate your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: OLD REPUBLIC TITLE HOLDING COMPANY, INC
State: CA

Complaint narrative:
The sale of my XXXX XXXX, XXXX, Ca XXXX, is fraught with requirement violations thereby violating penal codes on the preliminary title report which I just discovered. On page 5 of this report Old Republic Title required a Certification of trust but they never received it thereby violating Probate Code Section 18100.5. At the bottom of Page 5 under Informational notes Old Republic Title states, " We find no open deed of trust, a written statement must be provided by the current owner ( s ) attesting to whether any outstanding deed of trust exists. '' MUST BE PROVIDED is what Old Republic states in this report. Yet this did not happen! On paragraph 6, 7 and 8 of page 6, Old Republic Title acknowledges I am the Successor Trustee of the XXXX XXXX XXXX and that the home was taken out of the trust with a Transfer of Death Deed on XX/XX/year> as the Successor Trustee. I obtained no documents for the sale of my home from Old Republic Title. I was told to not interfere with the sale of my home but this does not disallow the owner of a home to not receive documents from the sale? Old Republic Title failed to comply with a statutory duty by refusing to abide by Probate Code Section 18100.5 on page 5 of the preliminary report to ask the seller to furnish a Certification of Trust. On Page 6 Under Informational notes Old Republic Title required a deed of trust but one was not furnished! This complaint is 911!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My bank did a wire transfer to bank of america to a specific account to a XXXX XXXX. The suspect fraud and pulled the money and held it and contacted my bank. My bank talked to a XXXX XXXX at BoA and was told to send some paper work to them and they would release the money back to the bank. It has been a year now and BOA still will not release the {$8900.00}. i filed a complaint with the CFPB and the BOA responded and gave us a number for a XXXX XXXX and said she was our direct contact. We have left message after message and did not get a respones. so imade some phone calls and they told my bank to run a trace on the money and still nothing is happening. Please help me retrieve this money from them they are not giving me my money back

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bilt Technologies, Inc.
State: MA

Complaint narrative:
* * Misleading credit impact disclosure Bilt Credit Card account change * * * * Complaint : * * I am filing this complaint regarding misleading information provided to me by Bilt Rewards in connection with a credit card account transition. At the end of last year, I was informed that my existing Bilt credit card ( previously associated with XXXX XXXX ) would be replaced or transitioned to a new card. During this process, I was explicitly told that accepting the new card would NOT result in any credit inquiry or any negative impact to my credit report. At no point was I clearly informed that this would be treated as a new account or reported as such to the credit bureaus. Based on this representation, I agreed to proceed. Had I been properly informed, I would not have agreed to proceed with the new account. However, shortly after accepting the new card : * A new account was reported on my credit file * My credit score dropped by approximately XXXX points * This indicates that the change was treated as a new account rather than a simple product transition Additionally, I added my spouse as an authorized user under the understanding that this would not negatively affect her credit profile. Despite this, the new account also appeared on her credit report and resulted in a decrease in her credit score. This situation raises serious concerns : * I was not properly informed that this would be treated as a new account * I relied on inaccurate or misleading statements when making my decision * Both my credit and my spouses credit were negatively impacted as a direct result * * Requested Resolution : * * I respectfully request the following actions : 1. A full investigation into how this account was reported and whether proper disclosure was provided 2. Removal of any unauthorized or improperly disclosed hard inquiry, if applicable 3. Correction of the reporting of this account if it was improperly classified as a new account 4. A written explanation of why I was told there would be no credit impact 5. Any possible remediation for the negative impact caused to both my and my spouses credit reports I trusted the information provided by Bilt Rewards, and I believe I was misled in a way that directly affected my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am disputing the accuracy of this account, not the validity. This collection account is being reported without complete and verifiable information linking it to an original creditor. There is no sufficient documentation or data showing how this account was derived, assigned, or calculated. This violates FCRA 1681e ( b ) and 1681s-2, as all reported information must be fully accurate and verifiable. Because this account can not be properly verified with complete reporting fields, it must be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under XXXX, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, my vehicle was repossessed by XXXX XXXX. I paid the full account balance on XX/XX/XXXX ; however, despite payment, XXXX XXXX refused to release my vehicle for an additional three days. When I arrived to retrieve my vehicle, I was informed that it was no longer drivable and that the tires had been damaged during towing. The employee at the tow yard was unable to inflate the tires. Despite this, he proceeded to move the vehicle while the tires had zero air pressure, causing further damage. At that point, the tires were completely shredded. I contacted both the recovery company and my lien holder, Westlake Portfolio Management. On XX/XX/XXXX, Westlake informed me that XXXX XXXX had contacted them on XX/XX/XXXX, stating that an internal investigation had been completed. According to XXXX XXXX, the investigation concluded that the tires were already shredded prior to repossession. Both XXXX XXXX and Westlake Portfolio Management have refused to take responsibility for the damage. I have formally requested compensation for the damages as well as a copy of the investigation report, but neither has been provided. Additionally, due to the severity of the damage, the tow yard employee did not even request that I sign the standard vehicle release form at the time of pickup.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
My XXXX XXXX XXXX XXXX stop working, causing me hardship, it sitting at the dealership right now while no one will honor the warranty, meanwhile the bank is adding extra fees to my account, while my vehicle not being fixed, I need help with my vehicle and bank fees acquiring, please help me.

Company response to consumer: Closed with explanation