vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to XXXX regarding an inaccurate account being reported by XXXX. AccountXXXX, with a reported balance of {$700.00}, This account does not belong to me. I have never authorized, opened, or signed any agreement with this company or the original creditor. On XX/XX/year>, XXXX completed its reinvestigation under report # XXXX and marked the account as " Verified as Accurate. '' However, this verification was completed without providing any supporting documentation, an original contract, or a wet signature. This constitutes a sham investigation and a direct failure to conduct a lawful reinvestigation under the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ). XXXX response admits that the furnisher " verified '' this item belongs to me, a claim that is entirely false and unsupported by any tangible evidence. I have previously requested debt validation from XXXX under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ), demanding the original signed contract, the name of the original creditor, and proof of authorization. They have completely failed to provide this validation. Reporting this account without proper validation violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). This persistent, inaccurate reporting has caused me severe credit denials, emotional distress, and damage to my financial reputation. I am demanding the immediate deletion of this unverified account from my consumer report and a written confirmation of compliance within thirty ( 30 ) days. Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Central Research Inc
State: CA

Complaint narrative:
Subject : Follow-Up Complaint Request for Identification of Supporting Analysis I am submitting a follow-up complaint regarding Central Research, Inc. ( CRI ) . In its most recent response ( attached ), CRI states that my concerns have already been addressed through prior correspondence and attached those prior responses for review. My concern is that the documentation provided does not appear to contain the analysis supporting CRI 's repeated conclusion that the acknowledged payment-tier misconfiguration resulted in " no additional or excessive interest '' and no financial impact to my account. To be clear, I am not requesting additional payment histories, transaction records, explanations of daily interest accrual, or general descriptions of student loan servicing. Instead, I am requesting that CRI identify the specific analysis, calculation, methodology, or comparison contained within the documents already provided that supports its conclusion. Specifically : CRI has repeatedly concluded that the acknowledged repayment-plan configuration error did not result in additional interest or financial impact. Please identify : 1. The specific document, page, section, or calculation that demonstrates this conclusion ; or 2. If no such analysis exists within the documents previously provided, please provide the analysis that was relied upon in reaching that conclusion. The materials provided to date appear to describe my account history and explain how interest generally accrues. However, I have been unable to locate any comparison between my actual account and the account state that would have existed had the repayment plan been correctly configured from the beginning of CRI 's servicing period. My concern is therefore not the absence of account records. My concern is that CRI continues to assert a conclusion while declining to identify the analysis supporting that conclusion. I am requesting a substantive written response specifically addressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello, I checked my account statement and seen 3 charges from a company in XXXX that I have no idea who its from. I disputed with XXXX, I have the Apple Card and have not received my funds back. I never authorized these transactions, in fact I live in California so Im not sure how its possible I could purchase from a company in XXXX. It should be an easy clear cut resolve but I fear they are making it take long on purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
XXXX XXXX XXXX TRAP : Inside the Flawed Automated Loophole Trapping Fraud Credits Between PayPal and XXXX ATTN : CFPB Federal Enforcement Team Active PayPal Case Number : XXXX XXXX Executive Case Number : XXXX This filing details a severe operational failure where PayPals human compliance handlers blindly trust flawed automated software reports as if they are hacker-proof. A malicious account takeover weaponized unauthorized preapproved billing links to execute a high-frequency drainage attack across my entire account, targeting XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ( XXXX ). PayPal 's front-line handlers issued a blanket denial on this consolidated file by claiming " no third-party access was detected. '' This is a complete corporate farce contradicted by their own database. As documented on Page 4 of the internal records attached inside the Exhibit B PDF, PayPal 's backend system explicitly admitted the breach by forcefully canceling the compromised underlying billing link on XX/XX/year>, due to an 'XXXX ' flag. Because the underlying billing agreement was fully compromised by an unauthorized third party, every single preapproved charge generated by this specific link is fundamentally based on fraud, and the entire series of transactions requires a complete, non-negotiable refund. Furthermore, the attached files reveal a double failure of corporate compliance : The Trapped Funds : PayPal 's system did correctly identify the fraud for the Meta Platforms charges and successfully marked them as " REVERSED '' on the backend. However, those recovered fraud credits are currently trapped in PayPals master clearance network because a parallel routing glitch with XXXX XXXX mistakenly bounced them back. PayPal is actively holding my returned money. The Uninvestigated Fraud : PayPal 's automated software completely failed to check its own internal consistency, blindly ignoring the XXXX XXXX and XXXX charges that were drained through the exact same compromised backdoor link during the exact same account takeover window. PayPal is refusing human manual review, eliminating agent reference numbers to dodge accountability, and hiding behind server firewalls to block external legal notices. I demand a complete manual override by a senior compliance officer to pull my trapped funds from your clearing loop and issue a full, total refund for all XXXX XXXX, XXXX XXXX, and XXXX losses.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Im writing to file a complaint against Portfolio Recovery Associates , LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: CT

Complaint narrative:
Company : Credit Acceptance Corporation Issue : Incorrect information on my credit report / Improper auto loan reporting What happened : I am filing a complaint regarding an auto loan that Credit Acceptance is reporting inaccurately. The dealership submitted a defective and incomplete contract listing me as the buyer, while the vehicle was registered solely in another individuals name ( XXXX [ Last Name ] ). I was never in possession of the vehicle, never insured it, and never authorized the final paperwork submitted to Credit Acceptance. The dealership acknowledged the paperwork issues but never corrected them. Despite this, Credit Acceptance reported : A repossession, even though the vehicle was voluntarily returned by the registered owner Late payments, even though I never had the vehicle and the contract was not valid A balance owed, even though the contract was defective and unenforceable This reporting is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). I have disputed this information directly with Credit Acceptance and with the credit bureaus, but the inaccurate reporting remains. What I want to happen : I am requesting that the CFPB require Credit Acceptance to : 1. Remove the repossession notation 2. Remove all late payments 3. Remove any balance allegedly owed 4. Delete the entire tradeline from XXXX, XXXX, and XXXX 5. Provide written confirmation that the defective contract has been nullified This account is not valid, and the reporting is causing significant harm to my credit and financial stability. Supporting details : The vehicle was never registered in my name I never had possession of the vehicle I never made a payment because the contract was defective The dealership admitted the paperwork was incorrect The vehicle was voluntarily returned, not repossessed I am requesting immediate investigation and correction. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
In XXXX a scammer sold me a XXXX XXXX XXXX XXXX XXXX ( its a video game ) and then reverted the item after I paid him. I reported it to paypal and paypal took XXXX days and then sided with the scammer. I bypassed paypal and had the bank cancel the transaction on my end so paypal wants to be paid back and I refuse because of the circumstances. Paypal 's whole thing is buyer protection but they arent protecting me as a buyer. I dont want the mark on my record and I want it scrubbed. I cant afford to pay it and nor will I as I no longer have the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am filing this complaint regarding a Capital One XXXX account that was repossessed in XXXX and later settled/resolved. Even though the account has been resolved, Capital One is still reporting the account negatively on my credit reports, including repossession/charge-off related remarks and an unfavorable payment history/status. I previously tried to address this issue by disputing and requesting that the account be reviewed. I requested information about how the account is being reported, including the repossession status, balance/deficiency information, settlement or resolution status, and whether Capital One could review the account for a goodwill adjustment or deletion. I have not received a clear resolution that fixes the credit reporting issue. This reporting is causing financial hardship and is affecting my ability to rebuild credit, qualify for better financing, and move forward financially. Since the account has been settled/resolved and is several years old, I am requesting that Capital One complete a XXXX review and remove the negative tradeline from XXXX XXXX XXXX XXXX If Capital One will not delete the account, I am requesting that they at least remove the repossession/charge-off remarks, update the account to show the correct settlement/resolution status, correct any inaccurate balance or past-due information, and ensure all reporting is accurate and complete under the Fair Credit Reporting Act. My desired resolution is for Capital One to make a one-time goodwill adjustment and delete the negative auto loan tradeline from all three credit bureaus, or update the reporting in the most favorable and accurate way possible. Auto loan ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Prosper Marketplace, Inc.
State: TX

Complaint narrative:
I had a settlement agreement with prosper funding LLC ( loan ID XXXX ). I missed XXXX payments in XX/XX/XXXX and XX/XX/XXXX then resumed payments in XX/XX/XXXX. Prosper charged off my account without notifying me and continued accepting my payments. I only found out when i called to make final payment. Of {$550.00}. Prosper accepted {$1600.00} in payments after charged off without telling me. The account has been transferred to a third party collector. I was XXXX payment away from completing the settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Klarna AB
State: LA

Complaint narrative:
Klarna needs to be sued. I have been trying to correct this situation and get my refund since XX/XX/year>. The money has been refunded but refunded to a canceled card. All Klarna needs to do is to correct this issue is transfer the money to the correct card. I have made several complaints about this issue and have been giving the run around. I have provided proof of the refund. Made several complaints and calls where I have been on the calls for over XXXX minutes. Mailed the information to the customer service number and still nothing. All while being out of {$790.00}. They keep saying they are processing the refund but nothing has been done. They are playing games. I will be going to the bank and contacting an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I am filing a formal complaint against Bank of America for denying my fraud claim ( Dispute Case Number : XXXX ). I am a victim of a highly sophisticated " XXXX XXXX Account Scam '' paired with digital coercion and social engineering, resulting in a fraudulent transfer of {$1000.00} USD funded through my Bank of America checking account. While attempting to sell an item on XXXX XXXX, I was deceived by a scammer impersonating a buyer and subsequently a XXXX customer support representative. Later I noticed it is Authorized Push Payment Scam. The fraudsters utilized a spoofed email address ( XXXX ) and a fake service hotline. Crucially, during this ongoing cyberattack, the scammer convinced me to share my device 's screen via XXXX, thereby gaining remote access and full visibility of my financial data. Under their direct surveillance, psychological manipulation, and step-by-step coercion, a XXXX payment was executed XXXX my Bank of America account XXXX XXXX XXXX recipient listed as XXXX XXXX / XXXX XXXX. I immediately disputed this with Bank of America and provided a formal law enforcement report ( Police Report XXXX XXXX : XXXX ). However, Bank of America summarily denied my claim, strictly applying a blanket " authorized transaction '' rule because I physically executed the transfer. Bank of America failed to properly investigate the unique circumstances of this crimespecifically, that my device security was compromised via remote screen-sharing, and that my consent was entirely induced by advanced social engineering. This was a forced fraudulent transfer under criminal duress, not an informed or voluntary payment.

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 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: OK

Complaint narrative:
Sofi took away my ability to use XXXX without any notice they blamed XXXX they blamed early detection unit. Both said no sofis fault. Sofi lies to me constantly. I refer XXXX and they don't credit like the promotions say im owed about XXXX in credits for refer they refuse to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
THE PRICE OF CORPORATE INCOMPETENCE : HOW A SINGLE BANK ERROR BLOCKED MY FRAUD REFUNDS ATTN : CFPB XXXX XXXX XXXX Chase Executive Case Number : XXXX Recovery Reference Number : XXXX Cross-Institutional Reference : XXXX XXXX XXXXXXXX This filing documents gross negligence, systemic procedural failure, and a willful violation of Federal Regulation E ( 12 CFR 1005.11 ) by JPMorgan Chase. The institution has explicitly defaulted on its statutory mandate to investigate unauthorized electronic fund transfers by unlawfully relinquishing all investigative responsibility to a third-party merchant. Following an account takeover on my linked XXXX XXXX, a series of unauthorized charges from XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) were executed through my checking account. Chase completely refused to conduct a lawful error resolution investigation. Instead, Chase 's automated compliance framework operated on a faceless, legally non-compliant logic : they asserted that because I historically preapproved a XXXX linkage, any subsequent transaction posted by XXXX is automatically immunized from fraud detection. A financial institution can not contract out or outsource its regulatory duties under Regulation E. By treating a compromised preauthorized billing agreement as an absolute waiver of my consumer rights, Chase willfully failed to investigate a documented account takeover. Furthermore, when XXXX 's own fraud systems successfully identified the breach and pushed the positive reversed credits back to my checking account, Chase 's back-office incompetence blocked my recovery. A front-line Chase representative mishandled my file by initiating a clumsy, blanket " Late Return Request '' ( Ref # XXXX ) on my entire account history. Chases automated data center filters treated my valid incoming fraud refunds as unauthorized activity, actively blocked the deposits, and bounced my recovered money right back to XXXX 's clearance network. Chase 's back-office automated software is fighting XXXX 's automated software, leaving my assets trapped in mid-air because human compliance managers refuse to manually review their own database errors. For weeks, the Chase Executive Office has provided XXXX accountability, forcing me to act as an un-compensated digital investigator to track down their internal faxes. Because your own internal fax logs prove your system rejected the valid reversals, Chase has exposed its entire automated infrastructure as a hazard to middle-class deposits. I have closed my Chase checking account in person to protect my remaining {$1500.00} from your system glitches. I demand that the Executive Office execute a manual balance adjustment to pay out my missing fraud funds immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the alleged debt associated with the above-referenced account. I do not believe this debt is accurate. I previously lived at the property in question and paid my rent on time while residing there. I am requesting that you provide complete validation of this debt, including : * A copy of the original lease agreement. * An itemized statement showing how the alleged balance of {$4200.00} was calculated. * Documentation proving I am legally responsible for this debt. * Records of any charges, fees, damages, or unpaid rent that make up the balance. * Proof that your company has the authority to collect this debt. Until you provide proper validation, I dispute the validity of this debt in its entirety. If you can not provide sufficient documentation verifying that I owe this amount, I request that the account be removed from all consumer reporting agencies and that collection efforts cease. This letter is not an acknowledgment of liability for the debt and should not be construed as a promise to pay. Please investigate this matter and respond in writing within the time required by law. Sincerely, XXXX 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 explanation
Consumer complaint received 2026-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
Im writing to file a complaint against JEFFERSON CAPITAL LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief