vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: IL

Complaint narrative:
Under the FCRA, you are required to conduct a reasonable investigation of this matter within 30 days. If you can not verify the accuracy of this account with complete and documented evidence, you must delete it from my credit file. Request for Action : Conduct a thorough investigation of the disputed account Provide documentation verifying this debt, including original creditor information and proof of my obligation Delete the account entirely if it can not be verified as accurate Send me an updated copy of my credit report reflecting these changes Additionally, please provide the name, address, and contact information of any entity that verified this account. Please note that reporting inaccurate or unverifiable information violates federal law. Failure to comply with the FCRA may result in further action to protect my rights. I have enclosed copies of supporting documentation to assist in your investigation. Do not interpret this dispute as acknowledgment of liability for this account. I expect this matter to be handled promptly and in full compliance with applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: UT

Complaint narrative:
I am submitting a follow-up complaint regarding PayPals handling of my dispute involving digital goods. In their prior response, PayPal stated that the merchant provided evidence showing the service was delivered to the email address associated with my account. However, PayPal did not provide or verify any of the following : - The actual email address the digital goods were sent to - Any delivery confirmation or timestamp - Any access or redemption logs tying the goods to me- Any proof that I received or used the digital codes Simply stating that something was delivered to an email associated with my account is not verifiable proof of delivery. There is no evidence confirming : - That the email address used was correct - That I received the email - That I accessed or redeemed the digital goods Additionally, PayPal support representatives confirmed they were unable to verify delivery details when asked directly. Despite this lack of verifiable delivery evidence, PayPal ruled in favor of the merchant. This indicates that PayPal is accepting unverified claims of fulfillment rather than requiring objective proof of delivery, which is especially concerning for digital goods transactions. I am requesting that PayPal : 1. Provide the actual delivery evidence used in their decision 2. Identify the exact email address used for delivery 3. Provide any access or redemption logs tied to my account 4. Reevaluate the dispute based on verifiable delivery standards PayPal support confirmed they are unable to verify the delivery destination or access logs for the digital goods and can only see purchasing details, yet they still denied my claim in the sellers favor. Without proof of delivery to me specifically, this transaction should be considered item not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
I entered into a settlement agreement with the original creditor, XXXX XXXX, to cancel my timeshare. The agreement was signed by all parties, including the developers XXXX, and required a payment of {$200.00}. I made the payment and sent it via XXXX XXXX XXXX, which was delivered and accepted. My attorney has confirmed that the cancellation is complete and that I am no longer responsible for any remaining balance or future obligations. Despite this, XXXX XXXX continues to report this account as an unpaid collection with a balance of over {$18000.00}. I disputed this with the credit bureaus and provided the signed agreement, proof of payment, and delivery confirmation. The account was not corrected and still shows as unpaid. This reporting is inaccurate because the debt has been settled and the obligation has been cancelled. I am requesting that this account be deleted from all credit reporting agencies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I leased a XXXX XXXX XXXX XXXX in XX/XX/XXXX through XXXX XXXX XXXX XXXX My monthly lease payment is approximately {$800.00}. Beginning around XX/XX/XXXX, the vehicle started experiencing repeated safety-related malfunctions. These issues included the instrument cluster screens turning XXXX while driving, unexpected loss of battery charge requiring the vehicle to be towed, and a XXXX XXXX XXXX XXXX XXXX warning that required replacement of the coolant pump. In XX/XX/XXXX the vehicle displayed a High Voltage Malfunction warning and shut down while driving. The vehicle has required multiple repair visits to the dealership and is currently undergoing another repair while I am using a loaner vehicle. In addition, the vehicle is subject to XXXX XXXX XXXX involving the high-voltage battery. According to the recall notice, the battery may fail due to an internal short circuit which could lead to a vehicle fire while parked or driving. The manufacturer currently does not have a repair available and advises owners to limit battery charging to 80 % and park the vehicle outside due to the potential fire risk. Despite these repeated failures and the active safety recall, I am still required to continue making full lease payments. I contacted XXXX XXXX and attempted to negotiate a reasonable solution, including termination of the lease without penalty or transition to another vehicle. However, I was informed that their offer was their final position and that I must continue paying the lease. I believe it is unreasonable for a consumer to be required to continue paying for a vehicle with repeated safety-related malfunctions and an unresolved battery fire recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
Account number XXXX I'm unaware of this debt and didn't have the opportunity to dispute the account if you believe you sent proper notification please provide certified mail with receipt displaying my signature if not please delete this account as soon as possible from my account or I will have to take legal action Date opened XXXX XXXX XXXX amount {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I purchased an online order bath and body works on XX/XX/year> it show that its an in store purchase on XX/XX/year>.

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 2026-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: InDebted Corporation
State: IL

Complaint narrative:
I was told I owe trustly {$2400.00} someones number of money because I got charged back from my bank account but I never received the service or credit for these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
I dispute this debt in its entirety and selected debt is not yours because I do not owe any valid obligation. I enrolled in a gym membership with The XXXX in XXXX XXXX after being told that the first 30 days would be free and that my monthly rate would be {$130.00} thereafter. This representation is also reflected in the gyms advertising. However, I was charged {$270.00} on the XXXX day, labeled as a " down payment '' which reflects XXXX months of dues and contradicts the representation that the first XXXX days would be free. This billing structure was not clearly disclosed and is extremely misleading, but also not discussed at the time of signing. The contract itself is also internally inconsistent. It lists a XXXX XXXX XXXX of {$130.00}, while also requiring a {$270.00} down payment and 24 monthly payments of {$130.00}, which does not clearly disclose the actual total financial obligation. Because of this, I disputed the validity of the contract and requested cancellation, but the gym refused to cancel the agreement. The account was then sent to a collection agency, Aldous & Associates, which is now attempting to collect a balance of approximately {$3700.00}. I submitted a formal dispute and demand for validation. The agency responded only with a copy of the same disputed contract and a balance statement, without addressing the substance of my dispute regarding misrepresentation and inconsistencies in the contract. For these reasons, I do not believe this is a valid debt. The account was then sent to a collection agency, Aldous & Associates, which is now attempting to collect a balance of approximately {$3700.00}. I submitted a formal dispute and demand for validation. The agency responded only with a copy of the same disputed contract and a balance statement, without addressing the substance of my dispute regarding misrepresentation and inconsistencies in the contract. I do not believe this is a valid debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OH

Complaint narrative:
I am writing to formally dispute the delinquency reported by MOHELA on my credit report for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was previously enrolled in the XXXX plan. When that program faced legal challenges in late XXXX, I was never formally notified by MOHELA that my account was moving out of protected status or that payments were due. As soon as I realized there was an issue, I proactively contacted MOHELA by phone several times to request enrollment in a different Income-Driven Repayment ( XXXX ) plan. During these calls, I was repeatedly told by agents to wait for MOHELA to contact me regarding eligibility. I clearly informed the agents that I am a full-time teacher with a family living well below the poverty line, making me eligible for a {$0.00} payment. Despite my efforts, I was shuffled between representatives without resolution. I do not have copies of MOHELA 's internal call logs, but I request that the company review my account history and phone records from these months to verify my multiple attempts to resolve this. I eventually successfully enrolled myself online, which confirmed my required payment is {$0.00}. This reporting error is a direct result of MOHELAs failure to process my requests in a timely manner. I am requesting that MOHELA correct my credit report ( via XXXX ) for these XXXX months and apply a retroactive administrative forbearance to reflect the {$0.00} payment status I was eligible for. This error is causing extreme hardship ; I can not qualify for a {$1000.00} loan for car tires needed to commute to my job at a low-income school. Without this correction, I am at risk of losing my livelihood. Desired Resolution : Credit reporting correction ( ACDV ) for Nov 2025Jan 2026. Retroactive administrative forbearance for those months. Review of internal call logs to verify my requests. Sincerely, A teacher on the verge of losing my job and housing

Company response to consumer: Untimely response
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In the spring of XXXX my nephew XXXX XXXX XXXX and myself XXXX XXXX went to wells Fargo in XXXX Georgia so I could remove my wife from my checking and savings account and then put my nephew XXXX XXXX XXXX on my checking account only Wells Fargo by XXXX added him to both my checking and savings account account without permission we withdrew XXXX a few months months later without my knowledge I moved back to XXXX pa XX/XX/XXXX when I got to XXXX I went to wells Fargo to make a withdraw I found out that my nephew stole XXXX XXXX from my savings account I immediately calls Wells Fargo a filed a complaint XXXX days after I filed the complaint wells Fargo determined that XXXX XXXX did not have the authorization to withdraw the money Wells Fargo took the money out of XXXX XXXX XXXX account and issued a check to myself and XXXX XXXX I tried to cash check was unable to because both name were on the check I immediately called Wells Fargo and explained the problem they started making excuses and in XXXX of XXXX XXXX XXXX went into Wells Fargo in XXXX Georgia and requested another check be cut and gave the bank an invalid power of attorney form the bank reissued the check once again in both names. XXXX XXXX forged my signature on the check and cashed the check while I was in the hospital with a broken neck in pa I have not been in Georgia since I left on XX/XX/XXXX XXXX XXXX signature is only on my checking account not my savings account meaning Wells Fargo was mad aware of the signature card and still allowed him to remove the money now Wells Fargo is refusing to reimburse me for there mistakes

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 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Under the FCRA, you are required to conduct a reasonable investigation of this matter within XXXX days. If you can not verify the accuracy of this account with complete and documented evidence, you must delete it from my credit file. Request for XXXX : XXXX a thorough investigation of the disputed account Provide documentation verifying this debt, including original creditor information and proof of my obligation Delete the account entirely if it can not be verified as accurate Send me an updated copy of my credit report reflecting these changes Additionally, please provide the name, address, and contact information of any entity that verified this account. Please note that reporting inaccurate or unverifiable information violates federal law. Failure to comply with the FCRA may result in further action to protect my rights. I have enclosed copies of supporting documentation to assist in your investigation. Do not interpret this dispute as acknowledgment of liability for this account. I expect this matter to be handled promptly and in full compliance with applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding the reporting and attempted collection of an alleged debt by XXXX XXXX XXXX that is inaccurate, unverified, and legally questionable. This account is being reported on my credit file as an active collection in the amount of approximately {$50000.00}, with my responsibility listed as a co-signer. The underlying claim relating to this alleged debt was previously litigated in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The case, styled First Citizens Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al, was dismissed by court order on XX/XX/year> for lack of prosecution. No judgment was entered, and no enforceable obligation was established by the court. Despite this, XXXX XXXX XXXX continues to report this account as an active collection and is asserting that I am legally responsible for the balance. I dispute this debt in its entirety. To date, XXXX XXXX XXXX has not provided sufficient documentation to validate : - The existence of a valid and enforceable contract bearing my signature - My legal liability as a co-signer - A complete and lawful chain of assignment showing their right to collect - A full and accurate accounting of the alleged balance Reporting this account as a valid collection without proper verification is misleading and damaging to my credit profile. Additionally, continuing to report a disputed debt without conducting a reasonable investigation raises concerns under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). I am requesting that XXXX XXXX XXXX : XXXX. Provide full validation of the alleged debt, including all documentation establishing enforceability and ownership ; or XXXX. Immediately delete this account from all credit reporting agencies if such validation can not be produced. I am also requesting that the Consumer Financial Protection Bureau review this matter for potential violations related to inaccurate reporting, failure to validate, and misrepresentation of the legal status of a debt. I have attached supporting documentation, including the courts XXXX XXXX of XXXX. This matter has caused significant harm to my credit standing and financial opportunities, and I am seeking a prompt and lawful resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
On XX/XX/year>, I initiated a {$10000.00} transfer from Associated Bank XXXX. The transaction was processed on XX/XX/year>. Money was deducted from XXXX XXXX Bank but it's not posted in Associated Bank. According to Associated Bank, the transfer could not be completed successfully and instructed that XXXX XXXX Bank must submit a debit return request for the original XXXX transaction. However, XXXX XXXX Bank ( via XXXX XXXX has stated that the transfer was completed/posted and that they have not received any returned funds. They said once a wire has been sent and posted, they arent able to cancel it or pull the funds back directly. They have also indicated that the receiving bank ( Associated Bank ) must initiate the return. I have made extensive efforts to resolve this issue, including multiple emails, phone calls, online chats, and in-person visits to bank branches. I have spent hours on hold and have maintained records of phone logs, chat history, and in-person visits. Despite these repeated attempts, I have not received a resolution or clear accountability from either institution. As a result of this unresolved issue, I have been deprived of access to my funds for an extended period of time, causing financial inconvenience and loss of potential interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I am filing this complaint against Barclays Bank Delaware and its agents, XXXX XXXX XXXX and XXXX, XXXX, XXXX XXXX XXXX, XXXX, for systemic violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( XXXX ). Timeline of Violations : XX/XX/XXXX : I sent a timely written dispute and validation request to XXXX XXXX XXXX ( Barclays agent ). They signed for the request on XX/XX/XXXX. No validation was ever provided. XX/XX/XXXX : The account was moved to a second agent, XXXX, XXXX, XXXX XXXX XXXX, XXXX. I sent a second timely written dispute and validation request. They signed for this on XX/XX/XXXX. The Violation : Despite having a combined XXXX days to provide simple verification of the debt, both agents remained silent. In direct violation of XXXX XXXX. XXXX ( b ), which mandates a cease-and-desist of all collection activity until validation is mailed, the XXXX filed a lawsuit in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Nature of Deception : By filing a lawsuit while the debt was in a " stayed '' status and failing to provide a Notice of Assignment ( XXXX XXXX. XXXX ), the XXXX has engaged in unfair and deceptive acts. I am requesting that Barclays Bank Delaware immediately cease this prohibited collection action and dismiss the pending litigation.

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 2026-03-27 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: TN

Complaint narrative:
I am a XXXX citizen working remotely while traveling internationally. I have been using PayPal as my primary financial account to receive income and manage daily expenses. On XX/XX/year>, my PayPal account was permanently limited without prior warning or a clear explanation. As a result, PayPal is holding over {$14000.00} of my funds, including money in both my PayPal balance and PayPal XXXX account. I am currently abroad and have extremely limited access to alternative funds. This action has placed me in immediate financial hardship, as I am unable to access money needed for basic living expenses while traveling. I have not knowingly violated any of XXXX terms of service and am fully willing to provide identification or documentation to support a review of my account.

Company response to consumer: Closed with non-monetary relief