vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: PR

Complaint narrative:
On XX/XX/year>, I was drugged with XXXX ( XXXX ) by a person I met through XXXX in XXXX, XXXX. While I was incapacitated, my phone and PayPal account were accessed without my knowledge or consent. The perpetrators sent a total of approximately {$1300.00} USD to XXXX recipients : XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, across multiple transactions on XX/XX/year>. I reported the unauthorized access to PayPal on XX/XX/year>. PayPal closed both cases in the sellers ' favor the same day, citing the transactions as " authorized. '' XXXX ID XXXX covers the XXXX XXXX transactions totaling {$1100.00} XXXX A separate case covers XXXX XXXX XXXX for {$200.00}. The transactions were not authorized by me. I was physically incapacitated due to being drugged. I have filed a police report in XXXX, have GPS evidence of the stolen phone at the suspects ' location, XXXX records showing the suspects used my stolen phone to call a ride from the crime scene, and PayPal transaction records identifying both recipients by name and email. I have also contacted the XXXX XXXX in XXXX. PayPal closed both cases within hours without investigation and without contacting me for evidence. When I attempted to appeal, the resolution center redirected me to the closed case page with no functional appeal option. PayPal 's failure to investigate a documented criminal fraud and its refusal to provide a working appeal process has left me without recourse for over {$1300.00} in stolen funds. I am requesting PayPal reopen both cases, accept my evidence, and refund the fraudulently transferred funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

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

Company 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 2026-05-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
To whom it may concern. On XX/XX/XXXX I was in Virginia on a work assignment. My normal residency is XXXX XXXX Nevada. While in Virginia out of state my front tooth broke while eating. I then sought a dental office in the Virginia state. My first appointment was XX/XX/year>. I was able to see the doctor XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX the doctor operated on my front teeth. I was supposed to have a bridge installed into my mouth on the top front row. We then set another dental appointment for XX/XX/XXXX in which XXXX XXXX was supposed to install my permanent bridge into the front row of my teeth. XXXX XXXX reassured me that he would be available and prepared to install the permanent bridge into my mouth on XX/XX/XXXX. I was scheduled to fly home back to XXXX XXXX Nevada on XX/XX/XXXX. On XX/XX/XXXX I showed up to XXXX XXXX office at XXXX pm which was the scheduled time for my appointment. I arrived at XXXX XXXX office on time and prepared for dental work. However his office was dark and the doors were locked. I then proceeded to record with my cell phone the office closed while the office next door was open and fully operating. I then flew back to XXXX XXXX Nevada with a temporary, discolored bridge in my mouth. I went to my primary dental office in XXXX XXXX, XXXX XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Nevada XXXX, and then had the discolored bridge removed and new services started. Basically I had to have my dental office in XXXX XXXX redo my bridge and restart the same dental work that XXXX XXXX failed to complete. My dental office was able to replace the temporary bridge and also took pictures of the temporary bridge in my mouth. The problem is XXXX XXXX has claimed that hes completed the dental work on my mouth and he hasnt. He only started it and did not complete it. I was scheduled an appointment with him and his office was closed. The other problem is, my insurance, XXXX XXXX paid XXXX XXXX for dental work, a bridge, that was never completely installed into my mouth. I have requested that my insurance, XXXX XXXX reverse or refund my insurance allotment the amount that XXXX XXXX was paid. He was paid in full, and the dental work was only started and not completed. Attached I have attached X-rays of my front teeth that the doctor is claiming that he completed. He did not complete the work he only started it. The issue is I went to my primary dental provider, as encouraged by XXXX XXXX, to get the work completed. Synchrony Bank/ Care credit has refused to issue a refund for work the doctor did not accommodate me for. The dental work was incomplete and the doctor was paid for completed work.

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 2026-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
On XXXX a transfer was made directly to my account from someone that I do not know. They then requested refund which seemed suspicious to me so I contacted Chime about it. I could not understand what the representatives were saying. I spoke with two of them on the first call which was on the XXXX right after I saw the transfer notice. The first representative was not able to help and transferred me to as I recall, the fraud department. I could not understand anything the representative was saying and I was not able to continue the call at that time so I had to end the call. Today on XXXX I attempted to contact them again. Requesting a call from them through their app. When they called, I had great difficulty understanding the representative and explained what was going on then asked what we could do about the money being transferred to me without my acceptance. They asked a lot of questions and sent me a link to reset my password then told me I had to be transferred to the fraud department. Once transferred, I was able to speak with a representative and gather a little information. They told me to keep the money in my account and I could move it to savings so if the person filed a disupte it could be returned. This is an inconvenience to me that I should not have to deal with. I asked if I chose to close my account then what would happen? They said I would get a paper check for the money. Still does not resolve the issue that I don't want that money in my account. After being told they could not do anything, I asked to speak with their supervisor to which they replied the supervisor couldn't do anything either. I insisted to speak with the supervisor. Still the same issue with not being able to understand much. The supervisor proceeded to tell me that they can not move the money and I could keep the money. Then telling me to contact the person. I do not know the person that sent me the money. I asked how to contact them and they couldn't answer. The conversation continued and they said the person could contact me if it was a mistake and the the instant transfer has prompts that ask the sender to make sure they have the right information. I still said that the money should not have gone to my account without me accepting it and they kept saying the app asks to verify the correct information and that sometimes people send it by mistake. They then told me the person could contact me and I asked how, they said by requesting the money back. Again I told them that had occurred but I feel it is a scam. I asked if they were investigating the issue. I said that I wanted to file a formal dispute they told me I couldn't. I asked if they were investigating the issue internally. The supervisor then began speaking non stop and would not listen to what I had to say. I was told that they could not do anything else and pretty much just hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was informed that my XXXX card account was closed and charged off by mistake during merger with Capital One Bank. Previous to that, I had entered into an agreement which was initiated by a payment transaction that I made to qualify for the payment restructure plan with your organization. This account should not have been charged off or closed... I made several attempts to contact the XXXX organization but was not able to reach them or reconcile the matter. I have filed many disputes with the credit reporting agencies and finally after XXXX years I received a response that was some type of attempt to intimidate and make a false appearance as if they were attempting to collect debt that was being ignored... Recently, they have stepped up their intimidation calling me and sending a threatening letter by certified mail with a very unrealistic request and deadline. They are in violation of the Fair Debt Collection Act and threatening legal action that they can't win. They are angry and lashing out because I would not go away... It is their mistake! They charged off the account to make the books look better for the merger! Now they are trying to collect on an account they charged off and closed according to the letter. I have made many efforts to cure the account and was denied access to credit in regard home and automobile lending. They should remove the debt and the charge off from the credit report to rectify the situation they created.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
In late XXXX, when federal student loan payments resumed after the pandemic pause, my servicer, Aidvantage, failed to contact me through my preferred communication method. My account preference was set to Email, yet I never received a single email notification from Aidvantage not when payments resumed, not after the first missed payment, not after the fifth, and not after the fifteenth. Instead, Aidvantage mailed physical documentation to an old address that had not been updated in my account. No attempt was made to reach me via email, phone, or any other channel, despite my account explicitly indicating email as my preferred contact method. I have six federal Direct Loans a mix of subsidized and unsubsidized all of which were affected. I had maintained a perfect payment history on all six loans prior to this period, with a credit score above XXXX. Over the following months, 15 consecutive payments were marked late without my knowledge. When I finally discovered the missed payments, I paid the outstanding balance in full immediately. However, by that point I had also been assessed capitalized interest interest that accrued and was added to my principal balance during this period further increasing the amount I owed through no fault of my own. I subsequently submitted a goodwill adjustment request asking Aidvantage to remove the late payment notations given these circumstances. It was denied with no meaningful explanation. What I find particularly troubling is that Aidvantage had my email address on file as my preferred contact method and never used it not once, across 15 missed payments. A reasonable servicer acting in good faith would have escalated outreach attempts as payments continued to go missed. The failure to do so, combined with the resulting capitalized interest, raises serious questions about whether borrowers are being deliberately kept uninformed. My credit score dropped from above XXXX to XXXX as a result of these late marks. It has since partially recovered but remains significantly damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm is an account I disputed & they failed to verify account. It is believed to be fraudulent or third party using my information unauthorized personally. Now account shows paid off & need to be deleted from my profiles immediately. Pursuant to FCRA unverifiable or inaccurate information should be reviewed and/or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section 1 Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section 2 Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section 3 Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section 4 Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: SC

Complaint narrative:
A {$170.00} collection account from XXXX appeared on my credit report through Credit Control LLC XXXX I contacted Credit Control LLC directly and a representative confirmed that they no longer held the account because XXXX had recalled it back to them. I then contacted XXXX, was instructed to go to a retail store and pay the balance, and did so on XX/XX/2025. I have a receipt from XXXX and a matching bank transaction record confirming the {$170.00} payment. Despite their own representative telling me they no longer held this account, Credit Control LLC continued to report this debt as an active unpaid collection to all three major credit bureaus. When XXXX contacted Credit Control LLC during my dispute investigation, Credit Control LLC told XXXX that the balance was correct and that I still owed {$170.00}. This is completely false and directly contradicts what their own representative told me when I called. This false confirmation to XXXX caused my credit score to drop an additional XXXX points and resulted in XXXX closing my dispute against me. I have now filed a second dispute with XXXX and am also sending a certified debt validation letter to Credit Control LLC demanding they validate the debt and request deletion from all three credit bureaus. Credit Control LLC is reporting a debt they know they do not own, on an account that has been paid in full, and provided false verification to XXXX during a federal dispute process. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting that Credit Control LLC immediately delete this account from all three credit reporting agencies and provide written confirmation that this has been done.

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 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: PA

Complaint narrative:
FDCPA 15 U.S.C. 1692g & 15 U.S.C. 1692c ( c ) Section 1 Purpose of This Notice This document serves as both : A formal request for debt verification under 15 U.S.C. 1692g, and A cease and desist demand under 15 U.S.C. 1692c ( c ). I dispute the alleged debt referenced by your company and request full verification. Section 2 Required Debt Verification ( FDCPA 1692g ) Please provide the following documentation : Original creditor information Full account number associated with the alleged debt Itemized breakdown of all amounts claimed ( principal, interest, fees, penalties ) Copy of the original signed contract or agreement Proof of your legal authority to collect ( chain of title, assignment, purchase records ) Date of alleged default Date of last payment Statement confirming whether the debt is within the statute of limitations Your state license number ( s ) and collection jurisdictions Until this information is provided, you must cease all collection activity, including credit reporting. Section 3 Cease and Desist Demand ( FDCPA 1692c ( c ) ) Effective immediately, you must stop all communication with me regarding this alleged debt. Under federal law, you may only contact me to : Confirm that collection efforts are being terminated, or Notify me of specific legal remedies you may lawfully pursue Any other communicationincluding calls, letters, emails, texts, or thirdparty contactwill constitute a violation of federal law. You are also instructed not to contact my employer, family, neighbors, or any third parties. Section 4 Notice of Intent to Report Violations If you continue collection efforts without providing verification, or if you contact me in violation of this cease and desist notice, I will file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney General I will also pursue all remedies available under the FDCPA, including statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: FL

Complaint narrative:
This company sent me to collections and I did not know this was on my report and I did not sign up for this service never have

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: FL

Complaint narrative:
I spoke with the company and told them I had no knowledge of this account I never took an advance from the chief cashing store Ive also already contacted law enforcement to report this issue this has been holding my credit back entirely constantly being denied any applications on anything

Company response to consumer: Closed with explanation