vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I am filing a complaint against BMW Financial Services regarding their refusal to refund an insurance overpayment related to my leased vehicle that was declared a total loss. 

My leased BMW vehicle was recently totaled in an accident. My auto insurance company issued a payment directly to BMW Financial Services to satisfy the lease payoff balance. The insurance payment exceeded the total payoff amount owed on the lease. The confirmed overpayment amount is approximately {$5600.00}. 

BMW Financial Services has acknowledged receipt of the insurance funds and the existence of the overpayment. However, they have refused to issue a refund to me and instead stated that the funds can only be applied toward leasing or purchasing another BMW vehicle. 

Additionally, I currently have another active BMW account. I requested that the overpayment be credited toward my existing BMW Financial Services account, but they also refused to apply the funds to that account. BMW Financial Services has only offered to apply the overpayment toward the lease or purchase of a new vehicle, which I do not wish to pursue. 

I do not wish to lease or purchase another vehicle from BMW, and I believe BMW Financial Services is improperly withholding funds that belong to me. To my understanding, once the lease payoff has been satisfied, any remaining insurance proceeds should be refunded to the consumer unless specifically prohibited by contract. BMW Financial Services has not provided clear contractual language justifying their refusal to refund the surplus funds or apply it to my existing BMW account. 

I am requesting that BMW Financial Services : XXXX. Provide a full accounting of the insurance payment, payoff balance, and overpayment amount. 
XXXX. Issue a refund check for the overpayment of approximately {$5600.00}. 
XXXX. Provide written clarification of any contractual provision they believe allows them to retain these funds or refuse to apply them to my existing account. 

I have attempted to resolve this matter directly with BMW Financial Services but have not been provided with a satisfactory resolution. 

I respectfully request CFPB assistance in resolving this matter and ensuring that the overpayment is returned to me promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This company purchased a debt from credit card company XXXX XXXX Bank after original creditor was already informed and provided proof of identity theft, they also acknowledged this and assured me that account would be closed and eliminated. Resurgent receivables bought this debt from XXXX  XXXX bank and is attempting to collect on said debt even though it is invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 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: MD

Complaint narrative:
had funds frozen without any explanation said I broke their tos, after bickering back and forth they sent me a email funds will be released on or before XX/XX/year> 1 week later still no funds, at this point I am convinced they stole my money!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint against JPMorgan Chase regarding a {$3000.00} fraudulent balance on my credit card. I am a victim of an overpayment/reversal scam involving extreme criminal coercion and duress which I have documented in FTC Report XXXX XXXX and XXXX XXXX XXXX. 

Scammers have manipulated my credit line by loading XXXX and under threats and consistent harassment ( documented in my call logs ) I was forced to use this credit to purchase XXXX XXXX XXXX and another gift card ( XXXX XXXX ) at 4 different XXXX  Locations, which later the money that was loaded into the card was reversed as they took the payment back after I had purchased the gift cards, which now I owe XXXX to my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: VW Credit
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding improper fee accumulation, servicing failures, and refusal to respond to documented attempts at communication. 

During my lease of a XXXX XXXX XXXX, the vehicle required multiple warranty repairs due to recurring computer/system malfunctions. I retained documentation of repeated service visits and complaints. 

As my lease approached maturity, I made multiple attempts to contact XXXX XXXX XXXX to discuss payment timing and hardship-related concerns. My attempts were not meaningfully addressed, and no structured assistance was offered. 

As a result, the company assessed substantial late charges ( {$350.00} ), an NSF fee ( {$100.00} ), and a past maturity fee ( {$440.00} ), contributing to a total balance of {$2100.00}. 

I returned the vehicle on XX/XX/XXXX. I am now seeking : A formal review and waiver of excessive late and NSF fees Reconsideration of the past maturity fee A structured payment arrangement for any remaining legitimate balance Assurance that the account will not be referred to collections during resolution I am currently employed full time and intend to resolve this account responsibly. However, the company has been unreachable by phone and has ignored written correspondence. 

I am requesting regulatory review of XXXX XXXX XXXX servicing practices and a fair resolution of this balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Debt Holdings, LLC
State: TX

Complaint narrative:
I have gotten a call or calls for the past year from many different numbers of all different type of agencies or maybe the same debt collection agency but just different people every single time this one called I decided to call back and this man said his name was XXXX. I will put his phone number at the bottom. He told me that I supposedly took out a {$400.00} dome back in 2024, which I have no knowledge of I logged into the email that he said that loan was taken out on. I didnt have access to this email took me a good hour to get access cause I lost this email a while back. It says that I was approved for {$120.00}. Not no {$400.00} that theyre claiming he told me I can either pay {$430.00} upfront and theyll leave me alone or I can do monthly payments of XXXX and some dollars for I dont know how many months till I pay off around {$600.00} XXXX asked do I have a sign agreement that obligates me to pay you and he said no he sent me an email with some agreement and has been calling me and telling me saying if you do not sign this agreement then were gon na sue you. He repeatedly said it. I have voice recording him saying that XXXX not obligated to pay this company because I do not have a signed agreement with them. I have assigned agreement with speedy cash. Supposedly I dont remember ever signing any documents or ever doing anything with that company but OK what I understand is once a company sees that you cant pay they write that as a tax write off and then they sell your information to the third-party. This third-party are already admitted that I do not have a signed agreement with them. Their peer pressuring me into signing an agreement with them. If not, theyll sue me, and this is with national debt holdings. XXXX ( XXXX ) XXXX His name is XXXX and that is his main phone number. He said he works with national debt holdings. This man has not shown me any proof any documents. Nothing that proves that I owe them anything it could be a scam for all. I know I have a record of a whole year of calls that Ive gotten from these people and they will not leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing a complaint regarding PayPals decision to permanently limit my account without providing a clear or specific reason. I have maintained a PayPal account for approximately 11 years and have used it consistently without known violations, unresolved disputes, or policy issues. On or around the date shown in my PayPal account notice, I was informed that my account was permanently limited due to what PayPal described as potential risk. After contacting PayPal customer support, I was informed that the decision was final and that the reasons for the limitation could not be disclosed. I was not provided with any specific transaction, activity, or policy violation that led to this action, nor was I given an opportunity to clarify, correct, or appeal the decision. The permanent limitation prevents me from sending or receiving payments and effectively terminates access to a service I have relied on for over a decade for legitimate use. While I understand PayPals responsibility to manage risk, permanently restricting a long-standing account without explanation or a transparent review process is unreasonable and lacks due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Comerica
State: PA

Complaint narrative:
Money was stolen off my card and it's because of an application that two individuals have been using to listen into my home it's similar to XXXX XXXX  and they have been able to hear all my important information and my husbands also

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
I am submitting this complaint regarding a collection account being reported related to an auto loan originally associated with American Credit XXXX and now reported by XXXX XXXX XXXX. 

I became aware of this account only recently when it appeared on my credit report. I had previously received a refund related to this account years earlier and did not receive clear documentation explaining any remaining balance. 

I contacted the companies involved multiple times to request verification of the debt, including account history, balance calculations, ownership or assignment documentation, and clarification regarding prior account adjustments and refund activity. During these communications I received conflicting information about ownership of the account and who was responsible for handling disputes. 

I was informed that notifications had been sent to an outdated address, and I did not receive sufficient written information allowing me to verify or dispute the debt before it was reported. 

As of now, I have not been provided documentation that adequately validates the balance, explains how the amount was calculated, or reconciles the prior refund issued on the account. 

I am requesting assistance obtaining proper verification documentation and review of the reporting accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: DE

Complaint narrative:
I financed a purchase through Affirm for what was advertised by XXXX XXXX as an XXXX XXXX XXXX 

The promotional text messages stated XXXX XXXX XXXX with XXXX mattress, XXXX {$690.00}, Free shipping, and XXXX trial. These messages created the reasonable understanding that the product included both an adjustable base and a mattress. 

I relied on those representations when completing the purchase using Affirm financing. 

After delivery, I discovered I only received an adjustable base no mattress was included. 

XXXX XXXX refused to accept a return of the base, stating that bases are non-returnable, and instead attempted to sell me an additional mattress at 50 % off rather than honoring the represented offer. 

I filed disputes with Affirm twice, providing evidence of the promotional text messages and explaining that the product was materially misrepresented. 

Affirm closed both investigations and continues to hold me financially responsible for a product that was not as represented. 

Affirm failed to conduct a reasonable investigation into a clear product not as described dispute and is enforcing repayment on a transaction rooted in deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
The company is reporting a collection account on my credit report but failed to send the required written validation notice under 15 U.S.C. 1692g. I never received any written notice advising me of the debt or of my right to dispute or request validation.

I contacted the company and requested information. On a recorded call, the companys representative confirmed that no written notice was ever mailed to me.

Despite failing to send the required 1692g notice and despite never providing proper validation, the company has continued to attempt collection and has continued furnishing this account to the credit bureaus.

Reporting and collecting without first providing the required written notice is noncompliance with the FDCPA. The company is furnishing information to consumer reporting agencies while not in compliance with federal law and without providing the disclosures required by statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I requested all the information about this loan. I never received any information or written communication about this loan. I just seen it on my equifax credit report. Do the creditors have to follow the 15 u.s.c 1692g ( b ) also known as section 809 ( b )?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
The beginning of last week, Navy Federal Credit Union placed a temporary administrative verification hold on my account following a deposit. As a result, I lost access to all of my funds, including funds that were already in my account prior to the deposit. 

In addition to the hold, my online and mobile banking access was XXXX, and my debit and credit cards were shut down, leaving me unable to view transaction history, obtain deposit records, or access money for essential living expenses. 

I contacted Navy Federal multiple times and was informed that the review could take up to 7 business days. However, I was not provided with a clear resolution date, written documentation explaining the scope of the restrictions, or access to pre-existing funds unrelated to the review. 

This situation has directly impacted my ability to pay rent and meet basic financial obligations. I am requesting that Navy Federal provide written clarification of the hold, restore access to funds not related to the verification, and resolve the matter promptly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
I am seeing multiple accounts on my credit report from XXXX. Jefferson Capital SYSTEMS XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX and XXXX. XXXX XXXX - XXXX Inquiries : XXXX. XXXX XXXX XXXX. XXXX XXXX that I do not recognize or did not knowingly open. 

I was impacted by the XXXX  data breach and am concerned my personal information may have been used without my authorization.

I have disputed these accounts because I do not recall applying for or opening these lines of credit. Some of these accounts appear as collections or credit lines that I did not initiate. 

I am requesting that each company provide full documentation proving these accounts belong to me, including signed applications and transaction history. If they can not verify, I am requesting immediate removal from my credit report. 

I am also requesting investigation into possible identity theft related to these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company have been willing reporting inaccuracies I'm XXXX and have police report and this needs to permanently stop I never had a cell phone other than XXXX XXXX  I also have a XXXX XXXX  I pay currently there's no way that collection is mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused XXXX injury and investigation of character nearby something like 30 days of no reaction. 

Please Remove/ Deleted the following Items. 
XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$640.00} XXXX XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$2000.00} XXXX FUNDING XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2026-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
So im checking my credit i have a debt for a credit card so i was XXXX  and i was a victim of idenity theft i have no knowledge of this and i would like to get this removed from my credit please and thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I made a purchase with XXXX on XX/XX/2026 but then I cancel the order. The amount was withdrawn from my account and Ive been waiting for the refund. I e called about 4 times and spokes with separate bankers. Two of the bankers found the transactions and stated I would receive the refund within 15 days but when I did not receive my refund. I called again on the morning XX/XX/XXXX and XXXX individual bankers told me the money was never taken out of my account but it was taken out of my account and I took a screen shot of the amount taken out. I want my money back now or I would like to file a lawsuit. I did the math by hand and I do not have my money from that transaction. The amount in question is {$72.00} from XXXX

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 2026-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: CA

Complaint narrative:
Timeline of Events : 1. XX/XX/XXXX : I moved out of " XXXXXXXX XXXX XXXX '' No balance was presented to me at that time. 

2. XX/XX/XXXX : A collection account for {$1200.00} suddenly appeared on my credit report from Property Receivables, Corp.nearly 16 months after the alleged move-out date. 

3. XX/XX/XXXX : I contacted the original management office of XXXX XXXX ( prior to the building 's sale ). The management team explicitly stated they had no record of this outstanding balance in their system. 

4. XX/XX/XXXX : The property was sold to a new owner, XXXX XXXX XXXX. The current management team also confirms they have no record of this debt transferring to them. 

The Violation : Property Receivables , Corp. is attempting to collect a " phantom debt '' that appeared 16 months after the fact and is recognized by neither the previous management nor the current owner. Since the original creditor confirmed in XX/XX/XXXX that no such debt record existed, the collector has failed to conduct a reasonable investigation as required by the FCRA ( 15 U.S.C. 1681s-2 ( b ) ). They are verifying this debt based on their own internal data, which is demonstrably false and unsupported by the original source.

The Demand : Immediate deletion. The collector can not validate this debt because both the previous and current creditors acknowledge no such debt exists in their records. I demand they delete this trade line from all credit bureaus immediately or produce the Original Move-Out Statement from XX/XX/XXXX that contradicts their own verbal confirmation to me.

Company response to consumer: Closed with explanation