vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
On Tuesday XX/XX/year> my vehicle was repossessed from the front of my house. I was physically in the vehicle when the repossession company told the driver to hook and lift the vehicle. The vehicle was lifted up while I was inside and the engine was running. One of the drivers from the company physically pulled me from the vehicle. They called the local police which never came. They damaged the drivers side of the vehicle extensively when this happened. This all created a very loud commotion in the front of my home. My left hand is damaged due to the physical manor in which I was handled. I told both drivers multiple times to stop and that they can not take the vehicle. After I was physically pulled from the car one of the drivers took off in the car in excessive speed. All of this was recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: General Motors Financial Company, 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 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Klarna AB
State: MO

Complaint narrative:
I had used Klarna back in XX/XX/2025 to purchase some glasses from XXXX. I had never received the glasses but I was still getting charged for it. Yes, I had contact my bank to start an investigation because at this point its fraudulent and Im not going to pay for anything that I had never received. I guess Klarna seen my banking started an investigation and Klarna themselves started an investigation. My banking seen that Klarna was stepping in and I told them to step down since they are getting my refund back. Klarna keeps saying I owed them. They even sent it to the debt collection and my credit score went down XXXX points because of this mistake. I had supplied bank statements. I dont know what else to do at this point. Today, Thursday XXXX a supervisor was trying to force me to call my bank and let them talk to them. I didnt do that but I had gladly ended the call because at that point thats phishing fraudulent activity. Can you please help me out? I had sent over bank statements. I had never received {$88.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: TX

Complaint narrative:
I see a new secured card that i never received nor applied for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 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: MD

Complaint narrative:
I have been a user of PayPal, Inc., without incident since XXXX. On XX/XX/XXXX, I received a notice from PayPal which stated : " Hi XXXX your gift has been delivered! Sent to XXXX, delivered XXXX, '' I am not named XXXX, and I do not know XXXX @ XXXXXXXX XXXX, and I never purchased a gift from PayPal. PayPal charged me {$100.00} for this unauthorized " gift ''. I notified PayPal immediately that this charge was not authorized, PayPal initially equivocated but finally refunded me {$100.00}. On XX/XX/XXXX, I received a second notice from PayPal which stated ; Hi XXXX your gift has been delivered Sent to XXXX. Delivered XXXX As previously stated, I am not named XXXX. I do not know XXXX. I immediately notified PayPal that this transaction was not authorized by me, but PayPal has failed and refused to refund that {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: WI

Complaint narrative:
On XX/XX/XXXX, my debit card was being declined. I called the bank and XXXX department XXXX times. I was told after the XXXX call that my account is being closed. The next day I went to the bank to withdraw my funds and they said they're not allowed to give them to me and a check will be sent in the mail. I was not told about this. My rent check bounced. I am now facing an eviction. All my money is in the account. I can't get food, gas, or pay my bills

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 2026-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting and failure to properly validate an alleged debt being reported by National Credit Systems. National Credit Systems is reporting a collection account related to XXXX XXXX XXXX in the amount of approximately {$1500.00} on my XXXX credit report. I previously mailed a timely debt validation request to National Credit Systems requesting documentation supporting the alleged debt, including but not limited to : * A copy of the signed lease agreement * An itemized statement of charges * Proof of the amount claimed * Documentation showing I am legally responsible for the debt * Proof of authorization or assignment to collect the debt The debt validation request was delivered on or around XX/XX/year>. However, I did not receive proper validation or supporting documentation in response. Despite this, the account continued to be reported to the credit bureaus and was later verified as accurate through a XXXX dispute investigation. I believe National Credit Systems failed to conduct a reasonable investigation and continued reporting disputed information without providing adequate validation of the alleged debt. Additionally, the account is being reported as a joint account, and I am requesting documentation proving the basis for that reporting designation and my legal responsibility for the full balance being claimed. I am requesting the following : 1. Full validation of the alleged debt 2. Complete itemization of all charges 3. Copies of any lease or contractual documents bearing my signature 4. Documentation showing National Credit Systems has authority to collect this debt 5. Documentation showing what information was used to verify the account with XXXX 6. Correction or deletion of any inaccurate, incomplete, or unverifiable information being reported to the credit bureaus I also request that all credit reporting comply fully with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) Account Reference : XXXX Original Creditor : XXXX XXXX XXXX Alleged Balance : {$1200.00} To Whom It May Concern : I, XXXX XXXX XXXX, am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), and hereby demand that Midland Credit Management immediately cease and desist all communication with me regarding the alleged debt referenced above. I refuse to pay the alleged debt and request that your company cease all collection activities and communication attempts, including but not limited to : * Telephone calls * Text messages * Emails * Letters * Credit reporting threats * Contact through third parties * Any other direct or indirect communication attempts Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must stop communicating with the consumer except for limited purposes specifically allowed by law. Be advised that any continued contact beyond what is legally permitted may constitute a violation of the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692c and 1692d. I reserve all rights and remedies available under federal and state law. Furthermore, this letter is not an acknowledgment or admission of liability for the alleged debt, nor does it constitute a promise to pay. You are instructed to confirm in writing that your office has complied with this request. Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am filing this separate complaint against Credit Corp Solutions Inc. for a second account ( Acct No : XXXXXXXX XXXX XXXX XXXX XXXX ) showing systemic and inaccurate reporting violations under the FCRA. This trade line is illegally reporting the Loan Type as a " FACTORING COMPANY ACCOUNT. '' I am an individual consumer, and the original debt was a credit card with Credit One Bank. Credit Corp Solutions is a debt buyer, not a factoring company. Furthermore, the payment history is missing as " No Data, '' violating the completeness requirements of the FCRA. I demand the immediate deletion of this inaccurate trade line

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
I saw a promotion to open an online checking bank account and an online savings bank account where I will receive a bonus after receiving a direct deposit in the checking account and do XXXX deposits in the savings account. I opened the accounts which worked well and then XXXX setup my direct deposit to my checking account. I got my direct deposit so I did setup XXXX to send money to my own checking account from other bank where I handle my payments. I used my personal email in Citizens which also I have in my other account with XXXX where I also use XXXX, so I tried with XXXX phone numbers, not accepted by XXXX, and then a XXXX email which was accepted. Right when doing the XXXX XXXX transfer my XXXX profile was put in hold as well as my transfers to other banks from my checking account showing a phone number to call to verify my identity. When calling to verify my identity and get the holds relezed they tell me I need to go to a branch which is far away from where I live. Why is the Citizens Bank allowed to open online checking and savings accounts if they will request customers to go to a branch? what if someone that is locaded far away opens an " online '' checking account link in my case and going to a branch will take hours?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
In XX/XX/year>, I purchased XXXX XXXX XXXX XXXX fragrances through XXXX XXXX XXXX/ Affirm from an online merchant called XXXX for a total of {$170.00} USD. The products purchased were : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX FL OZ / XXXXml ) {$89.00} * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL OZ / XXXXml ) {$74.00} The products were advertised as authentic fragrances. After receiving the items, I noticed significant discrepancies compared to an authentic XXXX XXXX XXXX fragrance I previously purchased directly from XXXX. The issues included : * inconsistent labeling ( the XXXX XXXX XXXX listing advertised XXXX de XXXX XXXX XXXX, while the received bottle indicated XXXX XXXX XXXX / XXXX ), * different font and print quality, * lower-quality bottle construction and finishing details, * noticeable differences in the bottom label and bottle edges compared to an authentic XXXX version. I contacted the merchant multiple times requesting a return and refund but did not receive a response. I then opened disputes through Affirm and submitted supporting evidence including : * product listing screenshots, * comparison photos between the received product and an authentic XXXX product, * screenshots of communication attempts with the merchant, * public customer reviews reporting similar authenticity concerns regarding this merchant. Despite the evidence submitted, the dispute was denied primarily based on the merchant operating within their policy rather than fully addressing the product discrepancies and authenticity concerns raised. Additionally, there are multiple public customer complaints and low-rated reviews regarding XXXX on XXXX that report similar concerns related to fragrance authenticity and customer service responsiveness. as today Affirm still making me pay for this purchase but I been trying to return these fake products since I received them XXXX XXXX XXXX I am filing this complaint because I believe the dispute investigation did not adequately consider the evidence submitted regarding the product inconsistencies and authenticity concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
The company had a promotion to receive {$400.00} after qualifying deposits and usage. I was denied the bonus because my account was negative at the time of alleged qualifying. I had already qualified way before my account was ever negative and the company decided to process me being qualified when my account was negative so that they wouldnt have to pay the bonus. These are deceptive practices! Also I never signed up for any overdraft services so my account should have never gone negative!

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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX Re : Cease and Desist Communication Pursuant to 15 U.S.C. 1692c ( c ) Account Reference : XXXX Original Creditor : XXXX XXXX Alleged Balance : {$710.00} To Whom It May Concern : I, XXXX XXXX XXXX, am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), and hereby demand that LVNV Funding LLC immediately cease and desist all communication with me regarding the alleged debt referenced above. I refuse to pay the alleged debt and request that your company cease all collection activities and communication attempts, including but not limited to : * Telephone calls * Text messages * Emails * Letters * Credit reporting threats * Contact through third parties * Any other direct or indirect communication attempts Under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing that they refuse to pay a debt or wish the debt collector to cease further communication, the debt collector must stop communicating with the consumer except for limited purposes specifically allowed by law. Be advised that any continued contact beyond what is legally permitted may constitute a violation of the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692c and 1692d. I reserve all rights and remedies available under federal and state law. Furthermore, this letter is not an acknowledgment or admission of liability for the alleged debt, nor does it constitute a promise to pay. You are instructed to confirm in writing that your office has complied with this request. Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am the XXXX staff XXXX of a hospital, a stale cashier 's check addressed to the hospital 's medical staff was presented to me in XX/XX/XXXX, and I've been asked to get a new check from Chase in the amount of {$67000.00} XX/XX/XXXX- consulted with hospital finance dept on best way to proceed XX/XX/XXXX- went to local chase bank, a form is submitted to national account closing request, advised to wait XXXX business days to check on status. XXXX XX/XX/XXXX - called the number for above, the reply was to go back to the branch to submit a request XX/XX/XXXX th XXXX - frustrated branch workers, in branch for an hour, complaint escalated to " branch complaint escalation group '' XX/XX/XXXX - call from escalated complaints - " We are working on the case '' XX/XX/XXXX - never heard back from escalated complaint dept. Went back to Chase branch, branch to call and get an update. Called XXXX XXXX XXXX XXXX Option XXXX, Chase would no longer talk to me because I'm not an original signer for account. I have access to an original signer and we called the dept back and I was given authorization to discuss the account by the signer. Then told to go back to the branch and fill out an affidavit since check amount is over XXXX. This was done and signed by the original signer. XX/XX/XXXX - no check arrived, called the number and told the wrong amount was put on the affidavit by chase and a new affidavit would be require. A new affidavit is obtained and faxed in. XX/XX/XXXX - Chase does not want me on the phone at all - XXXX XXXX XXXX - original signer calls, he is told paperwork is correct, check will be processed XX/XX/XXXX and mailed XX/XX/XXXX - original calls again, told this time they don't have the correct paperwork despite the conversation the prior week. Called the local branch, no call back from the branch at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 2026-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-05-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am filing this complaint regarding a collection account reported by LVNV Funding LLC, c/o XXXX XXXX XXXX XXXX in the amount of {$960.00}. This account appears on my TransUnion credit report with an open date of XX/XX/year>, and is listed as originating from XXXX XXXX XXXX XXXX. I disputed this account through the credit bureau and the account was verified without my receiving any documentation substantiating the debt. I have never received written validation of this debt as required under the Fair Debt Collection Practices Act, including the name and address of the original creditor, the amount owed and how it was calculated, proof that LVNV Funding LLC has the legal right to collect this debt, and a copy of any agreement creating the alleged obligation. I do not recognize this debt. I am requesting that the CFPB require LVNV Funding LLC to provide complete debt validation documentation or immediately remove this account from XXXX credit bureau reporting. The account is causing ongoing harm to my credit profile.

Company response to consumer: Closed with explanation