vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding a disputed debt collection account. I previously contacted the company to dispute the alleged debt and requested proper validation of the amount being claimed. Specifically, I requested a full itemized statement of charges, the original lease agreement, and documentation showing how the balance was calculated, as I have received conflicting information regarding the total amount allegedly owed. Despite my request, the company failed to provide sufficient validation or a clear explanation of the balance. Instead, I received a response stating that my settlement offer was Denied, without addressing the disputed balance or providing the documentation requested. Because the account remains disputed and the balance has not been properly validated, I believe the company may be attempting to collect an amount that is inaccurate or not properly substantiated. I made a good-faith effort to resolve this matter directly with the company, including requesting validation and offering a reasonable settlement. However, the company has not provided the necessary documentation or engaged in a meaningful resolution. At this time, I am requesting that the company provide full validation of the alleged debt, including a complete itemization and supporting documentation, or cease collection efforts on the disputed amount.

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed inaccurate and unverifiable information on my credit report and requested a reasonable investigation. Despite my dispute, the credit reporting agency continues to report the same information without providing verification or evidence that the accounts are accurate. This failure to properly investigate and correct inaccurate information violates my rights under the Fair Credit Reporting Act and is causing financial harm.

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 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
I am filing a complaint regarding the closure of my XXXX Citi credit card account and the resulting negative impact on my credit profile. I have maintained this account for approximately 2.5 years with a perfect payment history and no late payments. Recently, I paid down my balance significantly from approximately {$4500.00} to {$1100.00}, demonstrating responsible credit behavior. Shortly after, my account was unexpectedly closed. When I contacted Citibank, I was informed that the closure was due to my XXXX membership expiring. However, I never received any clear notification or warning that failure to renew my XXXX membership would result in the closure of my credit card account. I was further advised by a representative that I could simply renew my XXXX membership and have the account reopened. Based on that information, I renewed my membership. However, upon following up, I was then told that reopening the account would require a new credit application and a hard inquiry. Due to the account closurewhich reduced my available credit and negatively impacted my credit utilizationmy credit score dropped. As a result, my application was denied. This situation is particularly concerning because the denial was directly influenced by the negative impact caused by Citibanks own action of closing the account. I believe this situation reflects : - Lack of proper disclosure and notice regarding account closure conditions - Misleading or inconsistent information provided by customer service - Unfair negative impact on my credit standing due to circumstances outside of my payment behavior I am requesting the following resolution : 1. Reinstatement of my original credit account without requiring a new credit check 2. Removal or correction of any negative credit impact resulting from this closure 3. Review of internal policies regarding clear communication to customers in similar situations I have demonstrated responsible credit usage and believe I have been treated unfairly in this 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 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I applied for PayPal Debit Card and uploaded my XXXX XXXX before. On XX/XX/XXXX, PayPal sent an email asked me to re-upload my document because my photo is too blurry or resolution is too low. So I uploaded a new one in XXXX or XXXX, sorry I can't remember the specific date nor I can found this information in XXXX app. In the next day after I uploaded my passport, on XX/XX/XXXX, I received another email from PayPal which informed me that my account was PERMANENTLY BANNED because they thought the risk of doing business with me is too high. I negotiated twice with their online customer service, and informed them that I could provide any documents like XXXX or XXXX XXXX to prove I'm a lawful XXXX XXXX XXXX XXXX. The first time they said they will review and email me the update after 3 days, but I didn't receive any email. The last time I asked them again to explain the reason why my account was banned after providing even more detailed identity files, they just refuse to provide any further details and I can't appeal since it is final decision. After several attempts I just found that PayPal refused to communicate, I'm here to look for your help. I believe I didn't do any bad or illegal things in any transaction that could lead to the account ban.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax , Experian, and Transunion have failed to maintain the accuracy of my credit information and have neglected their reinvestigation responsibilities. The bureau has, despite providing supporting documentation : Failed to carry out a reasonable reconsideration in accordance with 15 U.S.C. 1681i ( a ) ( 1 ). Failed to update or delete information that was incorrect, incomplete, or unverifiable within the allotted thirty days. In violation of 15 U.S.C. 1681e ( b ), failed to follow reasonable procedures to ensure the highest possible accuracy of the information in my file.

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 2026-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax , Experian, and Transunion have failed to maintain the accuracy of my credit information and have neglected their reinvestigation responsibilities. The bureau has, despite providing supporting documentation : Failed to carry out a reasonable reconsideration in accordance with 15 U.S.C. 1681i ( a ) ( 1 ). Failed to update or delete information that was incorrect, incomplete, or unverifiable within the allotted thirty days. In violation of 15 U.S.C. 1681e ( b ), failed to follow reasonable procedures to ensure the highest possible accuracy of the information in my file.

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 2026-04-09 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Statement Against : TD Bank To Whom It May Concern, I am submitting this formal complaint regarding the unjustified suspension and termination of XXXX services associated with my business accounts at TD Bank. I am the principal of two separate and legitimate business entities : XXXX XXXX and XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX These entities maintain accounts at TD Bank and operate independently from my other company, XXXX XXXX XXXX XXXX XXXX. Previously, an unrelated issue arose involving a separate account at XXXX XXXX, where a client filed a false fraud claim regarding a completed professional service. That matter was thoroughly reviewed. Supporting documentationincluding signed agreements, completed work product, invoices, and written communicationswas provided to XXXX XXXX. After investigation, it was determined that no fraud had occurred, and my XXXX services were fully reinstated by XXXX XXXX. Despite this resolution, TD Bank has taken it upon itself to suspend and/or terminate XXXX services on accounts that : Are held under entirely different corporate entities, and Have no connection to the prior dispute. TD Bank has not provided a clear justification, evidence of wrongdoing, or an opportunity to respond prior to taking this action. This has caused significant disruption to my business operations, as XXXX is a critical tool for receiving client payments and conducting normal financial transactions. This action appears arbitrary, excessive, and unsupported by any factual basis. Key Issues : No fraud has been committed by me or my companies. The prior matter at XXXX XXXX was resolved in my favor. TD Bank accounts are separate legal entities with no involvement in that issue. TD Bank failed to conduct a transparent or fair review process. My businesses are suffering financial harm due to loss of payment capabilities. Requested Resolution : I respectfully demand the following : Immediate reinstatement of XXXX services for all affected TD Bank accounts. A written explanation detailing the basis for TD Banks actions. Confirmation that no negative internal or external fraud flags remain associated with my name or businesses. Assurance that my accounts will not be subjected to further unjustified restrictions. I am a licensed professional operating legitimate businesses in the State of Florida, and I rely on secure and reliable banking services to conduct daily operations. The current situation is causing measurable financial damages and reputational harm. If this matter is not resolved promptly, I am prepared to pursue additional remedies available to me. I request that the CFPB review this matter and require TD Bank to provide a prompt and fair resolution. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing a complaint regarding an incorrect debit of {$190.00} that PayPal applied to my account, resulting in a negative balance. PayPal claims this amount was a duplicate refund, which is incorrect. There were two separate transactions with XXXX on XX/XX/XXXXXXXX : XXXX {$400.00} this transaction was disputed through PayPal and refunded * {$430.00} this was a separate order that later received partial refunds totaling {$190.00} ( {$93.00} on XX/XX/XXXX and {$100.00} on XX/XX/XXXX ) The {$190.00} in refunds was issued for the {$430.00} transaction, not the {$400.00} transaction associated with the PayPal dispute. Despite this, PayPal debited {$190.00} from my account on XX/XX/XXXX, incorrectly treating these refunds as duplicates, which caused my account to have a negative balance. I attempted to resolve this through PayPal customer support. I clearly explained that these were two separate transactions and requested a transaction-level review showing how refunds were matched to each charge. Representatives repeatedly failed to review the details and refused to escalate or provide written documentation, instead insisting that I speak to a supervisor by phone. This appears to be an error in how PayPal matched refunds to transactions, resulting in an incorrect debit to my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
Block, Inc. charged my Cashapp account for the amount of {$21.00} on XX/XX/year>XXXX at XXXX. Block, Inc. is the mother company to Cashapp. I made no purchases from this company at any time. This is just one of many times I have been charged from this company fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am submitting a complaint regarding an auto lease transaction facilitated through BMW of XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) and financed through BMW Financial Services. At the time of the transaction, the credit application used to obtain financing reflected income information that does not accurately represent my actual earnings. I believe the application may have been prepared or submitted by the dealership in a manner that materially overstated my income, which directly impacted approval of the lease. In addition, a significant amount of negative equity from a prior vehicle was incorporated into the lease, resulting in a monthly payment that is not consistent with my actual financial capacity. I would also note that in a separate transaction involving a XXXX BMW XXXX XXXX, the credit application reflected income at approximately {$200000.00}, which does not align with my actual earnings. That vehicle was subsequently taken back by BMW. I have attached the credit application for reference. This raises concerns about the accuracy and consistency of financial information used in these transactions and the role of the dealership in preparing or submitting that information. After reviewing the transaction, I contacted the dealership and escalated the matter to executive management. A goodwill payment of {$11000.00} was offered ; however, the dealership has confirmed in writing that it is not willing to provide a termination or structural correction of the lease. I have also filed a complaint with the California Department of Financial Protection and Innovation ( DFPI ). I am requesting a formal review of the financing process, including the accuracy of the credit application, the role of the dealership in preparing and submitting financial information, and whether the transaction was underwritten based on accurate and complete information. I am seeking a resolution that addresses the underlying issues with the lease, including a termination or comparable remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WA

Complaint narrative:
Applied for student loans paid XXXX during covid XXXX dollars monthly when I was not suppose to Loan amounts are incorrect and was put in forbearance and never told loans were transferred to XXXX now have to pay the loans again for the second time because they said my XXXX loans were paid but not deducted from amount. XXXX account number with XXXX Tried to contact XXXX XXXX about this matter. On XXXX XXXX for check for settlement should be eligible Another thing my loans were compromised when my data was violated by the FERPA by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: January Technologies, Inc
State: VA

Complaint narrative:
I am filing this complaint regarding a collection account related to an XXXX account being handled by January. I dispute the accuracy and validity of this debt. I have not received proper validation, including proof of authorization, a complete payment history, or an itemized breakdown of the balance. Despite this, collection attempts have continued through repeated messages. This may constitute violations of the Fair Debt Collection Practices Act, including 15 U.S.C. 1692g ( failure to validate debt ) and 15 U.S.C. 1692e ( false or misleading representations ), as well as the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( inaccurate reporting ). I am requesting : Full validation of this debt Immediate investigation Deletion from all credit reporting agencies if not properly verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FC HoldCo LLC
State: PA

Complaint narrative:
Charge off XXXX when car was resold at an auction for XXXX its and old debt from 6 yrs ago I tried contacting company all they do is send letters regarding debt.

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 2026-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: United Shore Financial Services, LLC
State: FL

Complaint narrative:
I recently obtained a mortgage on XX/XX/XXXX. A stipulation of the loan was that the lender, United Wholesale Mortgage, would pay off fifteen of my creditors. Unfortunately, the lender stopped payment on all checks ( twice ) that were sent to the creditors. As a result, I have incurred returned check fees and interest charges due to their negligence. Additionally, my XXXX property taxes ( {$9900.00} ) were not paid until the deadline of XX/XX/XXXX, despite being due much earlier and the fact that we closed on the loan over a month prior. This situation has caused significant personal and financial distress. My XXXX XXXX accounts, which I have maintained for over 20 years without issue, are currently suspended and under fraud review because of the returned checks from the mortgage company. My daughter passed away on XX/XX/XXXX and I couldn't use my credit cards during my travels because XXXX XXXX suspended my two accounts because of the returned checks. This is not just about monetary loss. I've spent long hours ( days ) trying to rectify this during a life changing event, and now my credit is suffering all because of United Wholesale Mortgage. As of today, my XXXX XXXX XXXX XXXX cards have still not been paid. It is approx {$1800.00}. I have already made a mortgage payment to UWM on XX/XX/XXXX, and they haven't issued all the funds.They said they were all mailed out, but the creditors haven't cashed the checks. The creditors that were paid were paid 5 weeks after the closing of my loan, including my property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief