vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-20 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: AL

Complaint narrative:
On XX/XX/XXXX paypal closed my account after I received a payment. I have {$490.00} in my account that they refuse to let me access! They told it would be held for 120 days for possible charge backs. I've never had a charge back on my account. According to the 120 days, I should get my money by XXXX, but NOW they are saying I can't access MY MONEY until XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Central Research Inc
State: AZ

Complaint narrative:
I am formally requesting an investigation and removal of the reported student loan account showing a balance of {$3200.00} on my credit report. In my CRI account it is showing a balance of {$3200.00}. I believe this account is inaccurate, incomplete, or unverifiable under the Fair Credit Reporting Act ( FCRA ). Between XXXX, XXXX, and XXXX they are reporting different months that were late such as some saying XXXX days and others saying XXXX days in the wrong months. Please provide complete documentation verifying the accuracy of this account, including the original signed agreement, payment history, and proof that this debt belongs to me and is being reported correctly. If you can not fully verify the account information within the time allowed by law, I request that the account be deleted from my credit report immediately. Additionally, please ensure that all late payments, balances, and negative reporting associated with this account are removed if they can not be properly validated. Thank you for your prompt attention to this matter. I expect written confirmation of the results of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX XXXX reporting and handling of my account during a period of XXXX medical hardship and temporary incapacity following a major XXXX suffered on XX/XX/year>. Prior to this medical event, I maintained an excellent credit history and consistently managed my accounts responsibly for many years. Following my XXXX, I was hospitalized and temporarily lost access to important financial information, passwords, banking access, and the ability to properly manage account activity and payments. My family also did not yet have legal authority or power of attorney in place during the immediate aftermath of this medical emergency, which created significant disruption in managing my financial affairs. During this same period, recurring charges from a food delivery/service company continued billing my XXXX account even after cancellation attempts were made. Because of my hospitalization and medical condition, these recurring charges continued while I was physically unable to properly address or manage the situation. As a result of these extraordinary medical circumstances, late payments were reported on my XXXX account during XXXX despite my otherwise strong and lengthy positive credit history. The XXXX account currently reflects severe late-payment reporting including XXXX, XXXX, XXXX, and XXXX late payment history during the months following my XXXX and hospitalization. These late payments do not accurately reflect my longstanding payment history or the extraordinary medical hardship circumstances involved. Additionally, my consumer reports contain inconsistent and inaccurate name variations, including references associated with XXXX and other misspellings that do not accurately reflect my primary legal identity as currently used on my consumer accounts. I respectfully request that XXXX conduct a compassionate and reasonable review of this situation in light of the documented medical hardship, temporary incapacity, recurring billing issues, and my otherwise longstanding positive credit history. I also request that XXXX review this matter in accordance with its obligations to maintain accurate reporting and conduct reasonable investigations of disputed account activity under applicable consumer protection laws, including the Fair Credit Reporting Act. I am requesting goodwill removal of the late payment reporting associated with this period of medical hardship and correction of any inaccurate personal identifying information associated with my consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Global Lending Services LLC
State: MD

Complaint narrative:
Services auto account for a XXXX XXXX XXXX. The account was paid in full on XX/XX/XXXX. On XX/XX/XXXX, I received an official paid-in-full confirmation letter from Global Lending Services verifying that the account balance was satisfied in full. After receiving the letter, I submitted a dispute to XXXX and provided the documentation showing the account was paid. However, XXXX responded stating that the documentation was not sufficient to make the requested correction or deletion and continued reporting the account negatively. I believe the continued reporting is inaccurate and misleading under the Fair Credit Reporting Act because I provided direct written proof from the creditor confirming the account was paid in full. Despite this documentation, the account continues to negatively affect my credit profile. I am requesting that the credit bureau conduct a proper reinvestigation and either : Update the account accurately to reflect paid-in-full status with no derogatory balance or delinquency information, or Remove the account entirely if the furnisher can not properly verify the reporting. I have attached the official paid-in-full letter from Global Lending Services as supporting documentation .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
On XX/XX/year> I was contacted by this debt collector stating I have a balance of XXXX from my of apartment on XXXX XXXX XXXX XXXXXXXX XXXX I asked them how & why would I have this balance if they stood with my deposit they stated I left apartment damaged which I know 100 % is a lie I never had this issue in any apartment I ever lived at I was going thru a hard time in life when I was living there & due to not paying rent on time they proceeded with an eviction but before it got to that I ended up leaving they are trying to Charge me for a whole month of rent that I didnt stay there for I had been moved out I have my new lease of my new apartment to prove it & there should of been cameras in hall ways that proved I left on time & wasnt living there & they are trying to charge me for damages I know I didnt do I asked for proof of all this & told them I moved out on time that what would they be charging me a XXXX transfer month of rent or for damages and they wasnt able to provide no proof except a form from building in what they was charging me for I told them I wanted proof such as invoices or pictures & videos of this & never was provided it I told them to review cameras so they could see I moved out on time & wasnt there for month they was charging me for & they didnt want to so these charges are fraudulent & since they could provide proof i needed I asked them to remove this charge & they have denied to do so

Company response to consumer: Untimely response
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I opened an eTrade savings account XXXX in XX/XX/year> and deposited {$100000.00}. I should have received a {$1500.00} bonus for this deposit, in accordance with the promo you were running. I have not received the bonus yet. I called your customer service department multiple times and they said your internal departments are working on it. I also mailed a letter to your CEO XXXX XXXX on XX/XX/year> but he didn't respond. Please credit my account immediately for {$1500.00}. If you are not able to do this, please close my account immediately and return my funds to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: IL

Complaint narrative:
Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information reported on consumer credit files. I believe this account is being reported inaccurately and/or can not be properly verified. Because XXXX has a legal obligation to ensure the accuracy of all information being reported, I am requesting that this account be fully investigated and removed from my credit file if it can not be verified as completely accurate and compliant with federal reporting standards. Please provide me with written confirmation of the results of your investigation, including any documentation used to verify this account. If you are unable to verify the information, please delete the account immediately from my credit report.

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 2026-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am filing a formal complaint against Early Warning Services ( EWS ) for their failure to comply with federal law under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c2. EWS is reporting multiple inaccurate, unauthorized, and negative banking accounts on my consumer report. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. I have submitted an official FTC Identity Theft Report detailing the affected items. Furthermore, EWS has provided contradictory information. I previously submitted a Block & Delete request, and EWS confirmed the deletion of certain XXXX accounts ( XXXX ). However, their most recent report ( XX/XX/year> ] ) clearly shows these confirmed-deleted accounts, along with other disputed accounts, are still actively reporting. This constitutes a direct violation of their duty to maintain accurate records and to block items identified as identity theft. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts and negative entries under federal law. EWS has no permissible purpose or verifiable source to continue reporting these items, especially those they previously confirmed deleted. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2. The specific accounts that must be immediately blocked and deleted are : XXXX XXXX XXXX XXXX XXXX Account # : XXXX ( Still reporting as Overdrawn ) XXXX XXXX XXXX XXXX - Account # : XXXX ( Still reporting with negative status including Overdrawn/Uncollected Funds ) XXXX XXXX XXXX XXXX XXXX Account # : XXXX ( Still reporting as Savings Present, despite my request for deletion ) XXXX XXXX XXXX XXXX XXXX Account # : XXXX ( Still reporting as Savings Dormant/Inactive, despite my request for deletion ) XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( Still reporting as Overdrawn ) XXXX XXXX XXXX XXXX XXXX Account # : XXXX ( Still reporting as Savings Closed-Purged, despite my request for deletion ) XXXX XXXX XXXX XXXX - Account # : XXXX ( Still reporting as Closed ) XXXX XXXX XXXX XXXX - Account # : XXXX ( Still reporting as Closed ) XXXX XXXX XXXX XXXX - Account # : XXXX ( Still reporting as Closed ) XXXX XXXX XXXX XXXX - Account # : XXXX ( Still reporting as Closed For Cause ; previously confirmed deleted by EWS ) XXXX XXXX XXXX XXXX - Account # : XXXX ( Still reporting as Closed ) XXXX XXXX XXXX XXXX - Account # : XXXX ( Still reporting as Savings Closed )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I had an account with wells fargo got hacked so they closed my account and started a new one yet i have well over {$1000.00} in total charges i never approved on my account and the bank refuses to fix. I have filed multiple complaints within the bank and nothing. I am about to sue the bank plus I am in the process of closing my accounts with Wells Fargo once I get the debit cards for my new accounts.

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 2026-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I noticed that a hard inquired for capital one was on my credit report. I called capital one and discovered that a credit card was open fraudulently using my name and social security number but not my address. I asked capital one to close the account. I have called all three credit bureau to have the fraudulent address in XXXX XXXX removed from them and dispute the credit card as well as the address and also freeze my credit. I have always lived in XXXX. The account in question was opened on XX/XX/year> with acct # starting XXXX and credit limit of {$5000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Since XXXX the mortgage keeps saying a payment wasn't paid. I keep showing actual proof from my bank statements. Over and over

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
BMO took 1 payments out of my checking account on XX/XX/year> and XX/XX/year> for {$1800.00} each for a monthly XXXX loan. I attempted 6 times to resolve with BMO was disconnected 6 times promised each time if was disconnected they would call back. Never called back. My payments are not on auto pay as seen below yet payments are being taken out automatically. I can not stop mailed statements as it say my account not eligible for paperfree

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Clasp Group, Inc.
State: WA

Complaint narrative:
I took out this loan XXXX of XXXX under false pretenses. Stride funding financed the amount of {$21000.00}. At the time, the agreement did not fully go into the long term payment structure including that I could pay up to {$42000.00}. Around XX/XX/XXXX, I submitted income documentation as requested by the company. My monthly payment was calculated at {$540.00} around XX/XX/XXXX. I continued to make payments and never missed a payment.In XX/XX/XXXX, my monthly payment significantly increased without my knowledge. Before I sent the documentation, I called them asking them if they could reduce my payment because I was entering school and needed to pay for tuition. The person on the phone told me to send in my tuition bill, my class schedule and the estimated time I would graduate.They specified they needed directly from the school. I sent in the documentation and including my income. They increased it from {$540.00} to XXXX a month that I disputed for weeks. I contacted them about the misinformation and how the increase will effect my bills. They reduced my bill to XXXX. XXXX XXXX XXXXThey have increased my bill without my knowledge. Due to the previous issues and arrogance of the customer service reps. This company is all over the place and I can't call everyday for 3 weeks like before just to get someone to listen to me. I had contacted the XXXX because there is significant problems within the contract and, I have over exceeded the payment obligations. There is major concern for the transparency of this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I know no knowledge to these accounts XXXX XXXX, XXXX XXXX and XXXX XXXX can you please look at my FTC report and remove these items which they are listed on an ind

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Fraud was committed on my account and bank denied the claim.. I live in XXXX and it was done in 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 monetary relief
Consumer complaint received 2026-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: MD

Complaint narrative:
Cash App closed my account for an alleged Terms of Service violation. On XX/XX/year>, I submitted an appeal. On XX/XX/year>, Cash App denied the appeal without providing the specific term I violated, the transaction involved, or any meaningful explanation. The only unusual activity I am aware of is using Cash Apps XXXX XXXX once on XX/XX/year>, losing approximately {$5.00}, and withdrawing within the hour because I did not want to continue using XXXX. I am requesting that Cash App identify the specific reason for the closure, state whether it was related to XXXX activity or another risk category, provide access to any remaining funds or records, and reinstate the account if the closure was made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Starmark Financial LLC
State: VA

Complaint narrative:
Repeat calls daily, during work hours from various numbers, various emails during work hours. Ive stated when I've previously answered the phone that I am at work and unable to talk at the moment, they ignore that I'm working and call from different numbers. The calls are daily for the past several years.

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