vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
In or around mid XXXX, I was contacted by an associate of XXXX XXXX, who marketed a business opportunity program with representations regarding income potential and services to be provided. During that process, I was directed to obtain financing through LendingPoint in order to pay for the program. The loan, in the approximate amount of {$11000.00}, was not a general-purpose personal loan. The proceeds were disbursed directly to a third party ( XXXX XXXX XXXX XXXX to fund services provided by XXXX XXXX. The funds never passed through me and were tied to a specific merchant-arranged transaction. Subsequent to entering into this agreement, it became clear that the services provided were materially misrepresented. XXXX XXXX is now the subject of enforcement action by the Federal Trade Commission for deceptive and fraudulent business practices related to these types of programs. On XX/XX/XXXX, I submitted a formal written dispute to LendingPoint asserting that this loan was induced by fraud and that the enforceability of the loan is inseparable from the validity of the underlying transaction. I specifically requested : A formal review under applicable consumer protection laws ( including fraud in the inducement and FTC Holder Rule principles ) Confirmation that the account was placed in dispute status Suspension of all collection activity Confirmation that no negative credit reporting would occur Disclosure of any relationship between LendingPoint, XXXX XXXX XXXX, and XXXX XXXX XXXX this formal dispute, LendingPoint has failed to provide any substantive response. I followed up in writing and requested confirmation within 10 business days, but as of now, I have received no meaningful reply. LendingPoint continues to treat the loan as valid while ignoring a dispute tied to a transaction that is now the subject of federal enforcement for fraud. I believe this raises serious concerns regarding their handling of disputes, their role in merchant-arranged financing, and their obligations under consumer protection laws. I am requesting that LendingPoint : Acknowledge and process this account as disputed Suspend all collection activity during investigation Confirm that no negative credit reporting will occur Conduct a formal review of the loan in light of the FTC action and the underlying fraudulent transaction I am seeking a resolution that reflects the fact that the financed services were not lawfully or properly provided and that this loan was induced by misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: AZ

Complaint narrative:
I am filing a complaint against Hunter Warfield for failure to properly validate an alleged debt and for continued collection activity without verification. On XX/XX/year>, I requested full debt validation via email, including documentation of the original creditor, signed contract or agreement, and itemized account history. Hunter Warfield responded stating the documentation would be provided once collected. Despite multiple follow-up requests, no valid documentation was ever provided. In a subsequent communication, Hunter Warfield falsely claimed that documentation had been attached. However, no attachments were included. I notified them of this issue, but received no corrective response. Despite the absence of proper validation, Hunter Warfield continues to send repeated emails demanding payment and is reporting or attempting to collect on this unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: NV

Complaint narrative:
since XX/XX/XXXX, PayPal has been withholding nearly {$700.00} of my funds without a valid explanation. I am 8 year veteran seller with a 0 % loss record on disputes. Every single transaction in question has valid tracking that shows " delivered '' in their system. I have been prompted 21 questions from them and have answered to their system immediately to no avail. XX/XX/XXXX my account was limited and I was given a timeline of 72 hours for my account to be released. on the XXXX I called customer support to figure out why it was being delayed. I was told 24 hours and my funds should be released which did not occur. On the XXXX I called to which I was told my funds would be released in 7 days. I had gotten an email later that day stating that my funds were set to be released in as little as 72 hours so I called again on the XXXX because by now I had been told 3 different timelines. I had spoken to another representative who told me that PayPal customer service closed at XXXX and that my funds were guaranteed to be released by XXXX that night, before the working day ended. XXXX that night rolls around and once again, I have been lied to and my funds are being withheld unjustly. I decided to give some time to no avail and finally called a 4th time yesterday ( the XXXX ) at XXXX. the representative told me that my account had been limited due to a buyer dispute ( that I have already WON and the case has BEEN closed ) and that had been the reason that it was limited. he also stated that the limitations manager who was in charge of my case had placed it on the side. In other words, had decided to not pay any mind to it all. Had decided to place my only source of income on the back burner which has caused severe financial hardship on me and has prevented me from working to make more money. at the end, he told me he had assigned a new manager and I should expect my funds to be released within 24 hours. 24 hours rolls around with my funds still being held so I called again to which I spoke with a representative who I explicitly requested to speak with a supervisor and requested a manual review of my account. both requests were flatly denied by the representative and I was told " there is nothing that can be done '' despite multiple agents confirming that I have a clean record and have done nothing wrong. I am filing this complaint because PayPal is intentionally blocking access to my earned income, refusing to escalate the issue to management, and providing false information regarding when my funds would be available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Back in XXXX I placed an order for a product with XXXX, received a damaged item and I sent it back. Almost 3 months later I still havent received my refund so I contacted Wells Fargo as the company clearly has no intention of giving me my money back and despite mentioning all the proof I had of XXXX basically scamming me Wells Fargo said they couldnt do anything for me or get me my money back. The first time they said because the company blocked it and I called to see if there was any other update and they still never got me my money back. So I am out of {$120.00}. ZERO compassion, given that I provided more then enough proof for a refund.

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 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bounce AI, Inc.
State: MO

Complaint narrative:
I am disputing an attempt by Bounce AI , Inc. to collect a debt on behalf of XXXX XXXX XXXX XXXX that has not been properly substantiated. In XX/XX/year>, XXXX paid a claim to my former landlord under a XXXX XXXX XXXX Tenant Bond in the amount of {$2000.00}. I disputed this debt directly with XXXX in XX/XX/year> and requested documentation demonstrating that I am contractually obligated to pay this amount, including an itemized final account statement and proof of actual costs incurred. XXXX stated that the claim was reviewed and paid based on documentation provided by the property but did not provide that documentation and instead directed me to the landlord. In XX/XX/year>, I was contacted by Bounce AI , Inc. regarding collection of this account. The first email communication from them was dated XX/XX/year>, Bounce AI instructed me to contact them directly so they could review and assist in verifying the claim. However, in later responses, they directed me to the landlord for documentation while continuing to collect the debt and representing that it had been verified. I submitted a dispute to Bounce AI. In response, Bounce AI stated that the debt had been verified and provided a verification notice, a resident ledger, and photographs. These materials reflect charges assessed by the property but do not demonstrate that actual costs were incurred or that the amount represents actual damages or loss of rent. The resident ledger reflects charges assessed after move-out and includes adjustments and write-offs, but it does not establish that actual costs were incurred or paid, nor does it demonstrate that I am contractually obligated to pay the amount being collected. Bounce AI has continued to represent that the debt is verified while directing me to the landlord for supporting documentation. However, as the party collecting the debt, Bounce AI has not provided documentation sufficient to substantiate that I am contractually obligated to pay this amount. I continue to dispute this debt in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
See B of A Notarized Fraud Letter XXXX and XXXX XXXX XXXX XXXX attached hereto and incorporated herein by reference

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: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On or about XX/XX/year>, Capital One placed a hold on my checking account and refused access to my {$6700.00} check deposit, threatening to withhold it permanently unless they speak directly to the payees. This followed deposits of legitimate third-party checks from relatives : XXXX for {$100.00}, XXXX for {$200.00}, XXXX for {$30.00}, and XXXX for {$25.00}, all of which cleared without issues, no bounces, and no fraud reported. I immediately called Capital One support ( XXXX ) multiple times, confirmed all payees are my relatives, provided names, and requested : 1 ) Release of the {$6700.00} ; 2 ) Full account access ; 3 ) Written hold explanation and timeline. They refused, insisting on direct payee contact which I can not facilitate, despite my verification and the checks legitimacy. Prior small deposits established a pattern they flagged as suspicious, but no reversals occurred. Account remains frozen, blocking my funds access. This violates reasonable deposit hold practices under Regulation CC, as the check will clear in ~10 days with no problems. I demand : Immediate release of all holds and {$6700.00} access ; waiver of any fees ; written confirmation of resolution within 3 business days. Attachments : Account statements/screenshots.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Aspen Collection regarding a collection account reported on my credit file for an alleged debt from XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. I do not recognize this account, and I never entered into any contract or agreement with Aspen Collection. Aspen Collection is reporting negative information on my credit report while acting on behalf of another company, but I have not been provided sufficient documentation proving that this alleged debt belongs to me, that I am legally responsible for it, or that Aspen Collection has authority to report it. The account is reporting as a paid collection with a {$0.00} balance, but it is still damaging my credit. I dispute the accuracy, completeness, and validity of this reporting. I request that Aspen Collection provide full verification, including the original signed contract or agreement, itemized charges, date of first delinquency, proof that I am responsible for the account, and proof of their authority to collect and report this debt. If Aspen Collection can not verify this information, I request that they immediately instruct XXXX XXXX XXXX XXXX to delete the collection account from my credit file. Under the Fair Credit Reporting Act, furnishers and credit reporting agencies are required to investigate disputed information and correct or delete information that is inaccurate, incomplete, or can not be verified. The CFPB also states that companies must remove disputed information they can not verify after a consumer identifies it as wrong. I am requesting deletion of this negative collection account from all credit reporting agencies because it has not been properly validated or verified as mine.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am filing this complaint against Bank of America , N.A . regarding inaccurate and damaging reporting to XXXX and XXXX XXXX XXXX. On XX/XX/year>, I deposited a {$500.00} check into my Bank of America account as payment related to work/services. I later learned that the check was fraudulent and that I had been the victim of a scam. I did not create the check, issue the check, or knowingly participate in any fraudulent activity. Once Bank of America notified me of the issue, I immediately repaid the full {$500.00}. My final Bank of America statement reflects a {$0.00} balance, and XXXX confirms that the account was closed with NO MONETARY LOSS. I also filed a police report with the XXXX XXXX XXXX XXXX documenting that I was the victim of fraud. Despite this, Bank of America continues to verify and report the account as Suspected Fraud Activity, which misclassifies me as the person responsible instead of recognizing that I was the victim. Bank of Americas continued reporting is inaccurate, incomplete, misleading, and harmful. It has prevented me from opening a bank account elsewhere. I am requesting that Bank of America correct this reporting immediately and notify XXXX XXXX XXXX XXXX XXXX to delete or remove the Suspected Fraud Activity designation.

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 2026-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: SC

Complaint narrative:
I am filing a complaint regarding a medical debt in the amount of {$1200.00} that has been placed in collections and is being reported on my credit report. At the time of service, I had both primary and secondary insurance coverage. However, my primary insurance was never billed for this claim. My secondary insurance denied the claim due to the primary insurance not being billed first. As a result, the balance being reported does not appear to be accurate, as the proper billing process through my primary insurance was not completed before the account was sent to collections. I am requesting that this account be fully investigated, properly billed to my primary insurance, and removed from collections and my credit report until the correct balance is determined after all insurance processing is completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
On Monday, XX/XX/year>, I called the Truist customer service center for help with a replacement credit card that I have yet to receive. The card was sent to my old mailing address in XX/XX/year>. Because I no longer receive mail there, the car was " returned to sender ''. Before this date, I've previously called several other times to track the status of the replacement card, but was told each time the card had not been received. On Monday, XX/XX/XXXX, this was the same explanation I was given. The representative was adamant about blocking the current card and issuing a new one. My card does not expire until Thursday, XX/XX/XXXX and I have recurring transactions on the card. After telling the representative that I did not want to do that and ended the call, he called me back XXXX different times suggesting this solution. Again, I told him I would wait until the card actually expired to determine next steps. Several hours later, I received an email stating the card had been activated. I immediately called customer service again and was told it was accidentially activated by the agent, but was blocked to prevent fraudulent activity. This has now caused me to be unable to use my card, which has not expired yet and it prevents my recurring transactions from processing. A explanation other than it was an accident was not given. I want the representative to be fired. Truist 's customer service is horrible and the representatives are unable to communicate effectively, there is a HUGE language barrier among 95 % of the staff.

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 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX PM, I attempted to deposit about {$3400.00} cash at an ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, right outside of the branch. During the transaction, the ATM requested me to insert my deposit. ATM accepted the cash but returned part of folded paper, after which I selected continue on the screen. The machine then became unresponsive and automatically restarted. My card was initially stuck ( later retrieved with help ), but the cash was not returned and was not credited to my account. Theres no receipt. I immediately called customer service and was told an investigation would be opened, but the timeframe is very unclear.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Zions Debt Holdings
State: PR

Complaint narrative:
Under U.S. credit reporting rules, especially the Fair Credit Reporting Act ( FCRA ), a collection account can not be re-aged to look newer than it really is. What must happen instead The account must reflect the original date of first delinquency ( DOFD ) when you first fell behind with the original creditor. When a debt buyer purchases the account, they can report it, but : They can not change the delinquency timeline They can not reset the XXXX reporting period They should not make it appear like a brand-new debt. Under U.S. credit reporting rules, especially the Fair Credit Reporting Act ( FCRA ), a collection account can not be re-aged to look newer than it really is. What must happen instead The account must reflect the original date of first delinquency ( DOFD ), when you first fell behind with the original creditor. That was Not 2022. A collection account can be reported for : * XXXX years + up to XXXX days * Starting from when the account first became delinquent with the original creditor. After that, the credit bureaus XXXX XXXX XXXX must delete it. Zion has continued to report a derogatory mark as opened in 2022 when the XXXX years period had already elapsed. I keep receiving the response below to my complaint without receiving the legal basis that supports that re-aging my account is ok under FCRA. This response evades the question. We purchased your account from XXXX XXXX Your account was not properly closed. Your current balance owed is {$320.00}. Pay online at zionsdebtholdings.com with account # XXXX. If you pay off the account, we offer full deletion from the credit bureaus. We have already validated this account. What I want is the legal basis to re-age an account older than XXXX years, purchased in 2022 and re-aged as opened in 2022 ( purchased date vs. initial charge-off ).

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
On XXXX I received a letter to garnished my wages I have ask this company several to send me proof that they have legal right to collect debt in which they have not prove. I have disputed them already with all 3 credit bureaus!

Company response to consumer: Closed with explanation