vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a dispute and request for method of verification on XX/XX/XXXX. The account was marked as verified despite documentation showing the damage was pre-existing and not tenant-caused. I have not received any response explaining how the investigation was conducted. This is a failure to conduct a reasonable investigation and failure to respond within the required timeframe under the Fair Credit Reporting Act.

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 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
this is a continuation to my complain with Paypal. they permanently limit my account XXXX XXXX, i had dispute and XXXX XXXX i receive an email saying my money is available for withdrawal but then i can not withdraw! customer services is not helpful! i do not understand why i can not withdraw when i already received an email that i can?! this is very frustrating and time consuming! PayPal should pay me! Your money is available Inbox XXXX XXXX XXXX, XXXX, XXXX ( 2 days ago ) to me Dear XXXX XXXX XXXX XXXX XXXX PayPal Your money is available Your funds for the payment listed below are now available for you to withdraw or use to fund a payment. To see the details, go to History in your PayPal account. Thank you for choosing PayPal. Payment details Amount : XXXX PHP Transaction ID : XXXX Buyer 's Email : XXXX PayPal Help & Contact | Security | Apps XXXX XXXX XXXX XXXX PayPal is committed to preventing fraudulent emails. Emails from PayPal will always contain your full name. Learn to identify phishing Please don't reply to this email. To get in touch with us, click Help & Contact. Not sure why you received this email? Learn more Copyright XXXX PayPal. All rights reserved. PayPal Pte. Ltd. is ( i ) licensed by the XXXX XXXX XXXX XXXX as a XXXX XXXX XXXX under the Payment Services Act XXXX and ( ii ) regulated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as an Operator of XXXX XXXX XXXX XXXX Philippines under the National Payment Systems Act. PayPal XXXX : en_US ( en-PH ) XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I am submitting this complaint regarding a debt collection matter and to formally request validation of the alleged debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692. Full Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, Colorado XXXX, CO XXXX : XXXX : XXXX Collector Information : Company Name : LVNV FUNDING LLC I am disputing the validity of the alleged debt referenced above. I have not been provided sufficient evidence to support that I am legally obligated to pay this debt. Under 15 U.S.C. 1692g, I am requesting full validation of this debt. Specifically, I request the following : * Proof that I owe the debt ( including a signed contract or agreement ) * The full amount of the alleged debt, including an itemization of fees, interest, and charges * The name and address of the original creditor * Proof that the collector has legal authority to collect this debt * Documentation showing the chain of ownership if the debt has been sold * I request that all future communications regarding this matter be conducted in writing only. I do not consent to phone calls at my home, workplace, or mobile number. Until proper validation is provided, I dispute this debt in its entirety. Any attempt to collect without validating the debt may constitute a violation of the FDCPA. Additionally, if this account is reported to any credit reporting agencies, it must be marked as disputed. Requested Resolution : * Provide proper validation of the debt as requested above * Cease all collection efforts until validation is provided * Correct or remove any inaccurate information reported to credit bureaus I expect a response within the timeframe required by law. Failure to comply may result in further complaints or legal action. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 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: IL

Complaint narrative:
XX/XX/XXXX : First fraudulent charge of {$27.00} processed through Paypal XX/XX/XXXX : Case # XXXX filed for fraudulent charge XX/XX/XXXX : Paypal reached out to XXXX XXXX XXXX for information XX/XX/XXXX : Case XXXX denied stating : The payment in question was sent as part of a payment agreement you previously set up with XXXX, XXXX on XX/XX/XXXX XXXX XXXX PDT. '' XX/XX/XXXX : Appeal was filed, proof was sent by email showing no active subscriptions under any XXXX account nor was the charge showing in the history of any of my accounts. XX/XX/XXXX : Appeal was denied stating " ... our records show that the item or service associated with this transaction was delivered to you. '' No proof was provided showing the application the payment was for was downloaded under any of my accounts. Yet my proof shown clearly shows there was no payment ever made to said application. XX/XX/XXXX : Second fraudulent charge of {$82.00} processed through Paypal. * Case # XXXX was filed for fraudulent charge for a different app * Changed my password * Removed all forms of payment from Paypal * XXXX ' was not listed in connections under my account, but I removed all connections anyway XX/XX/XXXX : Paypal again denied my claim for fraudulent XXXX stating " ... there was no unauthorized use. '' Again, no proof provided on how it was 'authorized ' when that application the charge was for does not exist under my XXXX account/history, nor are there any charges reflected on the history of my account, nor have I ever downloaded the application. These are obvious fraudulent charges submitted showing weaknesses in Paypal 's security measures in how charges are allowed. I will be more than happy to provide screenshots of everything that was already provided to Paypal if requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: TX

Complaint narrative:
SPRINGOAKS is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I sent multiple letters with certified mail receipts asking for validation of the debt. XX/XX/XXXX and again the same letter in XXXX of XXXX. No validation has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
A signed contract or agreement Full account statements Itemization of the balance Proof of ownership or assignment Bill of sale identifying my account were asked for. wasnt provided to validate or debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
I am a XXXX who separated from XXXX XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, Chrysler Capital committed a procedural failure resulting in a violation of the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3952, by repossessing my XXXX XXXX XXXX without a court order. Records from my communications with the bank confirm that Chrysler Capital was on notice of my military status prior to the XXXX, having initiated an SCRA review on XX/XX/XXXX. Despite this pending review and my clear eligibility within the XXXX post-service protection window per Chrysler Capital 's own stated policy, the bank bypassed the mandatory judicial process. The bank 's Executive Office has since admitted the account is " under military benefit '' and offered to release the vehicle, which is a clear admission of liability for the unlawful repossession. This reflects a systemic failure in the bank 's " post-repossession '' review procedures, a practice the Department of Justice has repeatedly penalized as a " pattern of practice '' of non-compliance. My formal demand for a settlement was denied. I am now seeking federal enforcement and full statutory damages for this illegal XXXX of my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
Dispute of Invalid Debt and Improper Servicing by Navient I am filing this complaint to dispute an invalid balance and improper steering into forbearances by Navient. According to my official XXXX XXXX XXXX ( XXXX ) records, my loan was marked as '' Paid in Full '' on XX/XX/XXXX. Despite this, Navient incorrectly moved my account back to " In Repayment '' on XX/XX/XXXX. I contend that any balance claimed after XX/XX/XXXX is a result of a servicing error. Furthermore, instead of resolving this discrepancy or offering me an XXXX XXXX ( XXXX ) plan, Navient repeatedly XXXX me into long-term forbearances. My FSA history shows forbearances starting : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Navients failure to recognize the " Paid in Full '' status and their subsequent use of forbearances has caused financial harm and resulted in an inaccurate " Default '' status on my record in XXXX. " When I questioned the balance in XXXX, Navient representatives provided verbal justifications that were inconsistent with my records. I was led to believe I had no choice but to accept their terms. I now realize I was steered into forbearances to benefit the companys bottom line rather than being offered the repayment options I was entitled to. I also see that I was correct when I paid balance in full, and they lied and gave me a new balance as fraudulent business. '' Desired Resolution : 1. A full audit of my account history from XX/XX/XXXX to the present. 2. Correction of my account status to reflect the " Paid in Full '' designation from XXXX. XXXX. Removal of any negative credit reporting ( including the XXXX Default ) stemming from this error. XXXX. Determination of my eligibility for the Navient/CFPB settlement redress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Issue : Credit card bonus offer not honored / misleading promotional terms Company : JPMorgan Chase Bank , N.A . Product : Credit card XXXX XXXX Rewards What happened : On XX/XX/XXXX, I applied for the XXXX XXXX XXXX XXXX credit card through the XXXX XXXX website. The offer I applied for included both : XXXX XXXX Rewards points after meeting the {$3000.00} spending requirement, and a {$200.00} statement credit After approval, Chase awarded only XXXX points and the {$200.00} statement credit, but did not award the remaining XXXX points that were part of the offer. I met the full spending requirement. On XX/XX/XXXX, I called Chase to inquire about the missing points. I spoke with a representative named XXXX, who reviewed my account and confirmed that she located the correct promotional offer. She told me that the remaining points would be applied to my account within XXXX days. This never happened. Because the points were not applied as promised, I contacted Chase again and received conflicting explanations. XXXX representative stated that I would need to return the {$200.00} credit in order to receive the XXXX points. This condition was never disclosed in the offer terms. Later, Chase stated they could not locate the offer at all, contradicting what their own representative had already confirmed. I have submitted XXXX written disputes to Chase. Each response has been inconsistent, incomplete, or contradictory. Chase has not provided : A copy of the offer they claim I applied under An explanation for why their representative confirmed the offer but it was not honored Any justification for withholding the XXXX points Any documentation supporting their claim that the offer did not include both components This has resulted in financial harm, loss of expected rewards, and significant time spent attempting to resolve the issue. Chases handling of this matter appears deceptive and inconsistent with the promotional terms presented at the time of application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
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: VA

Complaint narrative:
I recently summited a case number. XXXX on XX/XX/year> all these accounts were DISPUTED recently and they were marked UPDATED and never or were properly VALIDATED. The accounts keeps getting marked updated without real proof. The information on my credit report is inaccurate or inconsistent, however I believe my rights under the Fair Credit Reporting Act or Fair Deb Collection Practices Act are being violated. All companies were mentioned in the previous case number above.or referenced previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NC

Complaint narrative:
On Thursday, XX/XX/XXXX. Cashapp Locked my account when attempting to verify, they said I would still be available to withdraw and receive my Bitcoin ( XXXX ) after the restriction, I attempted to withdraw, and I couldnt. I was told that since I couldnt verify I cant withdraw.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing a complaint against LVNV Funding LLC and Resurgent Capital Services for continuing to collect and report a disputed account that has not been properly validated and was previously the subject of a dismissed lawsuit. On or about XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, I sent written disputes and requests for validation of this alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I requested documentation establishing a legal obligation to pay, proof of authority to collect, a complete chain of assignment, and a full accounting of the balance. To date, no sufficient validation has been provided. This account was also the subject of legal action in the XXXX XXXX of New Jersey, XXXX XXXX ( Docket No. XXXX ), which was dismissed for lack of prosecution. Despite this dismissal, the company continues to treat the account as a valid, enforceable obligation. Additionally, the companys online portal continues to display a balance and actively solicit payment, while the account remains reported on my credit reports. This is occurring despite my disputes and unresolved validation requests. By continuing to collect and report this account without proper validation and after a dismissed legal action, the company is misrepresenting the legal status of the debt and furnishing inaccurate information to consumer reporting agencies. I have made multiple good faith efforts to resolve this directly with the company, but they have failed to correct the issue. The continued reporting and collection of this account despite a dismissed legal action and lack of validation demonstrates a failure to ensure the accuracy and legal enforceability of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
My spouse and I filed XXXX XXXX bankruptcy in XXXX and received a discharge on XX/XX/XXXX. Despite that discharge, Ally continues to display a recurring Bankruptcy Account Disclaimer every time I log in to Ally Auto Online Services. The disclaimer states that XXXX records reflect that XXXX or more accounts linked to my online access is/was involved in a bankruptcy and requires me to click I Agree before proceeding. This has continued years after the bankruptcy discharge. I sent Ally a written demand by certified mail requesting that it remove the recurring disclaimer, correct any internal coding or flag causing it to appear, update its records to reflect the discharged status of the bankruptcy, and confirm in writing that the issue had been corrected. Ally received and signed for that letter on XX/XX/XXXX. I gave Ally XXXX business days to correct the issue. That deadline passed on XX/XX/XXXX. As of XX/XX/XXXX, the same bankruptcy disclaimer was still appearing on login. I then contacted Ally through its secure messaging portal. On XX/XX/XXXX, Ally responded that it had received my documentation and assigned reference number XXXX, but stated that Ally Bank could not address Ally Auto issues because the divisions are separate. That response did not resolve my complaint, did not remove the disclaimer, and did not confirm that Allys records had been corrected. This matter was discharged more than XXXX years ago. Allys continued display of a bankruptcy warning on login is inaccurate, burdensome, and unacceptable. I want Ally to remove the recurring bankruptcy disclaimer from my online account access, correct any internal coding, notation, or flag causing it to appear, update its records to accurately reflect the discharged status of the bankruptcy, and provide written confirmation that the issue has been fully corrected.

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 2026-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLANDCRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLANDCRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
This pertains to a debit card issued by the State of California through The XXXX XXXX. I was saving it for a rainy day but since it expires soon I tried to use this debit card for a transaction, with three different online vendors/services and my transactions were declined for non-specified reasons. When I tried to check my account information online I was unable to login to their website. I called the XXXX XXXX XXXX at XXXX XXXX on XX/XX/year> and waited on hold for over 25 minutes ( I started my stopwatch after waiting several minutes ) just to reach a human representative. The CSR told me my account was locked due to lack of use for over 180 days. She said she will unlock my account. I also asked why I was unable to access my account and she told me access was blocked because the card is expiring soon. After the call, I tried to make a purchase again and the card was still being declined. I waited several hours for the lock to be lifted and tried again with 2 different vendors but my transactions are still being rejected. XXXX XXXX XXXX is making it difficult for us to access our funds, perhaps because they will benefit from funds unused after the cards expire. When I tried to access my account on their website I was prompted with a series of questions including my birthday and SSN. I tried SEVERAL times to go through the process and it kept blocking me with the error message that the information I entered is incorrect. I know the information I entered was correct as I double-checked that I entered the information correctly before clicking the Next button. And repeated the process several times. Their website is misleading. The CSR told me that account access was being blocked by the company 's decision, not because the information I entered was incorrect. When a debit card expires in XXXX, the account should be accessible and the card should be active through the month of XXXX -- not at some prior date chosen by the bank solely for the bank 's benefit. XXXX XXXX XXXX is engaging in FRAUD for THEFT of their customers ' money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 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: MI

Complaint narrative:
I am writing to formally notify you that I am a victim of identity theft. I have discovered multiple accounts and items on my credit report that were opened and/or used without my knowledge or authorization. I have made several attempts to resolve this matter directly with the company and have already submitted supporting documentation, including an Identity Theft Report from XXXX, a police report, copies of my government-issued identification, and proof of my Social Security number. Despite this, the fraudulent accounts continue to be reported on my credit file. These accounts are not mine, I did not authorize them, and I did not benefit from them in any way. The continued reporting of this inaccurate information has caused significant financial harm and hardship, negatively impacting my ability to obtain credit and move forward with important aspects of my life. Under the Fair Credit Reporting Act, specifically Section 605B ( 15 U.S.C. 1681c-2 ), I am requesting that you immediately block and remove all fraudulent accounts associated with identity theft from my credit report.

Company response to consumer: Closed with explanation