vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
Complaint Against Resurgent Receivables / LVNV Funding Improper Collection, Reporting, and Harassment I am filing a complaint regarding Resurgent Receivables and LVNV Funding LLC related to multiple accounts including : A XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account Both accounts are formally disputed. Prior Dispute and XXXX XXXX XX/XX/2026, I sent written disputes and elected binding arbitration with the original creditors. I also provided notice of arbitration directly to Resurgent Receivables. Despite this, Resurgent Receivables and LVNV Funding have continued collection activity outside of arbitration. Failure to Properly Validate/ Prove Ownership Resurgent has failed to provide sufficient validation of the alleged debts. They have not provided : Any bill of sale or purchase agreement demonstrating ownership of the accounts Any complete chain of title from the original creditor Any account-level assignment linking these specific accounts to LVNV Funding or Resurgent Without this documentation, they have not established legal standing to collect. Improper Credit Reporting The XXXX / XXXX account continues to be reported on my credit report despite : The account being formally disputed Lack of proper validation or proof of ownership Continued reporting under these circumstances is improper and may constitute furnishing inaccurate or incomplete information. Excessive and Harassing Communication Despite prior written notice requesting that all communication be limited to written correspondence via U.S. Mail only, Resurgent Receivables has continued excessive and unwanted communication. Specifically, I have received : Over XXXX email communications Multiple phone calls Multiple text messages This volume and frequency of communication is excessive and constitutes harassment. Failure to Honor Arbitration I have elected binding arbitration for both accounts with the original creditors and provided notice to Resurgent Receivables. Resurgent has ignored these arbitration elections and continues collection activity outside of the arbitration process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: MI

Complaint narrative:
There were XXXX charges made from a place called XXXX XXXX XXXX XXXX posted to my Capital One account on XX/XX/year>. XXXX in the amount of {$180.00} and the other in the amount of {$220.00}. I disputed those charges as fraudulent, as the charges were made in XXXX, Texas and I live in Michigan. They were made from my husband 's card who shares the account with me, but he has never been to Texas at all. His card was locked and another card was sent. On XXXX, I called and spoke to a Capital One representative, who told me that we wouldn't get charged and we were given the credit. XXXX I saw that we were rebilled the next day, I called back. I spoke with someone who transferred me to the wrong department ( the transactions department ). I was given the number to call the fraud resolutions team directly, which I did on XXXX. The representative told me that we were rebilled because we were found responsible due to the transactions having to be made from a physical card. I reiterated that it was not possible, that neither myself or my husband have been to XXXX and we did not give anyone access to either XXXX of our cards. He proceeded to ask if my husband travelled at the end of XXXX and I said no. Therefore, we are held responsible for charges made in another state that we have not been to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-08 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I opened this credit card XXXX XXXX XXXX specifically for travel purposes, to purchase airline tickets and hotel bookings. After opening the card, I made a purchase on XX/XX/year>, through XXXX, where I bought XXXX airline tickets price XXXX and XXXX XXXX On XX/XX/year>, I canceled these tickets. After a few days, I realized that the refund was never returned to my credit card. I contacted the bank and asked for assistance. I opened a claim at Monday XX/XX/XXXX XXXX stating that my money was not refunded after the cancellation. I provided all the required information. However, my claim was closed at XX/XX/XXXX, I reopened the claim and again on XXXX XXXX submitted all the documentation, including forwarded emails that clearly showed the date, time, and full details of the cancellation. They still not respond and don't case this case # XXXX. I contacted the bank again, but I was only told that I had missed a payment. No one provided me with clear information about my claim. I was not properly informed that my case had been closed ; I only received an email, and no one followed up with me or offered any assistance. I opened the claim XXXX and provided all necessary documentation both times. Recently, when I contacted the bank again, I was told that too much time had passed and they could no longer dispute the case. I explained that I never used these funds and that this issue had already been reported multiple times. They acknowledged this but still refused to help due to the time that had passed. Because of the banks failure to properly investigate and resolve my claims when I initially reported the issue, this situation has negatively impacted my credit history. I am requesting a proper investigation of my case, a correction of my credit report, and a resolution regarding the missing refund.

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 2026-04-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: NC

Complaint narrative:
I am complaining about my Optum HSA account. In late XXXX XXXX, I started XXXX partial transfers from my Optum HSA to my XXXX XXXX. I only wanted partial transfers and expected the Optum account to stay open with a balance of ~ {$900.00}. Instead, Optum did a full transfer of the entire balance, charged me a {$20.00} fee, and closed the account. XX/XX/year> : Spent XXXX minutes on the phone. They said they would reopen the account and send the {$20.00} fee waiver to their backend team. XX/XX/year> : Spent XXXX minutes on the phone. The account was still closed. They reopened it during the call, but a supervisor said they will not waive the fee. They filed an internal complaint for me. Ive now wasted over an hour on calls because Optum didnt follow my instructions for partial transfers. They broke their promise from the first call. I want Optum to refund the {$20.00} fee, confirm the account is properly reopened, and fix their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: MO

Complaint narrative:
Submitting this complaint again, XXXX defrauded and robbed me. For years straight when I was making below poverty level income, they kept pushing me to pause payments while still being charged interest for years in a row, telling me that I was not eligible for any income driven repayment, which was a flat out lie. I complained to XXXX I complained to the loan servicer that took over after they robbed everybody, I complained to the XXXX XXXX XXXX and the XXXX XXXX XXXX. I demand to know why I was not included in this settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Kikoff Inc.
State: MI

Complaint narrative:
I want this delete or remove from all XXXX of my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: VA

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 non-monetary relief
Consumer complaint received 2026-04-08 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: WA

Complaint narrative:
* * Complaint Against PayPal Permanent Account Limitation and Disruption of Social Security Payments * * I am filing this complaint regarding the permanent limitation of my PayPal account ( Account : XXXX ), which has caused serious financial hardship. I have been a PayPal user for over 20 years with no history of disputes, chargebacks, policy violations, or misuse of the platform. My account has always been used for legitimate personal and/or business purposes in full compliance with PayPals User Agreement. In XX/XX/year>, PayPal permanently limited my account without providing any specific explanation. The notification only stated that the decision was made for security reasons in accordance with their User Agreement. I formally appealed this decision, including escalation to PayPals Executive Office, but received a final response upholding the limitation without any meaningful details or justification. As a direct result of this action, my Social Security payments from the Social Security Administration have been disrupted for XXXX months ( XXXX and XXXX ). My monthly benefit is {$2500.00}, totaling approximately {$5100.00} in missed payments. In addition, approximately {$170.00} of my funds are currently being held in my PayPal account. These Social Security payments are my primary source of income, and the interruption has caused significant financial hardship. Although I requested a change of my direct deposit account with the Social Security Administration in XXXX, the verification and processing delays mean that I may continue to experience further disruption in receiving my payments for the time being. I believe this situation is unfair and lacks transparency for the following reasons : XXXX. PayPal has failed to provide any specific reason or evidence supporting the permanent limitation of my account. XXXX. I have not been given a meaningful opportunity to understand or respond to any alleged issue. XXXX. The restriction has directly impacted my ability to receive essential government benefits. XXXX. My funds are being held for XXXX days despite no known wrongdoing on my part. I respectfully request the following : * A detailed explanation of the basis for the permanent limitation of my account * A reconsideration and review of the decision, including restoration of my account if appropriate * Immediate assistance in ensuring access to my funds or minimizing further financial harm * Clarification on any steps I can take to resolve this matter This ongoing disruption places me at serious financial risk and requires urgent attention. If this matter is not resolved, I am prepared to pursue further action, including arbitration and additional regulatory complaints. Thank you for your attention to this issue. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 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: UT

Complaint narrative:
I am a business owner operating sports events across the United States through my organization, XXXX XXXX XXXX. We have been operating for over XXXX years, delivering more than XXXX events to over XXXX athletes. PayPal is currently holding {$6500.00} of my business funds today, without providing a clear or sufficient justification. This action is severely impacting my ability to operate scheduled events, pay employees, and meet contractual obligations. My business is legitimate, fully documented ( including XXXX ), and operates through the XXXX platform, where all transactions are tied to real participants and scheduled events : XXXX XXXX XXXX Past events ( XXXX ) : XXXX XXXX XXXX? XXXX I have submitted all requested documentation, yet the funds remain restricted. PayPal has informed me that {$5000.00} will be held for XXXX months and that 20 % of current and future sales will be held for XXXX days. No prior notice or warning was provided before these restrictions were applied. PayPal claims this is for dispute protection ; however, in all previous disputes, PayPal has never used held funds. Instead, they have consistently withdrawn funds directly from our bank account via XXXX to cover claims. PayPal claims the reserve is for dispute protection ; however, in practice, all disputes have been funded directly from our bank account via XXXX, not from the held reserve. Attached are recent bank statements as proof. This demonstrates that the current reserve is not being used for customer protection as stated, but is instead being withheld without proper justification or transparency. This action is causing significant financial harm and disrupting business operations, including the inability to pay staff and secure venues for scheduled events. I am requesting immediate regulatory review and resolution, including the prompt release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FCC Finance, LLC
State: MD

Complaint narrative:
The original loan originated on XX/XX/XXXX, with a stated term of XXXX months ( XXXX years ), which ended in XX/XX/XXXX. No renewal, modification, or extension agreement has ever been provided. After the loan term ended, I questioned the continued obligation and requested documentation supporting any extension or continued validity of the debt. I specifically requested the original signed loan agreement, any written modifications or extensions, proof of ownership of the debt, and documentation showing legal authority to collect or report the account beyond XX/XX/XXXX. The prior servicer, XXXX XXXX, charged off the account and transferred it. When I filed a complaint regarding this matter, the company responded that the complaint did not belong to them, indicating they were not the appropriate party responsible for the account. Despite this, FCC Finance LLC is now attempting to collect and/or report this account. However, FCC Finance LLC has not provided any of the requested documentation, including proof of ownership, validation of the debt, or evidence of any contractual agreement extending the loan beyond its original term. As of now : - No company has provided validation of the debt - No company has demonstrated legal authority to collect or report - Collection activity and/or credit reporting continues I believe this constitutes collection activity without proper validation and inaccurate or unverifiable credit reporting, as the debt has not been substantiated and no responsible party has established authority over the account. I am requesting full validation of the debt, proof of any extension beyond XX/XX/XXXX, and correction or deletion of any inaccurate credit reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Outsource Group, Inc
State: FL

Complaint narrative:
I received XXXX XXXX on XX/XX/year> at XXXX XXXX XXXX. At the time of service, I paid a significant deductible, and my insurance has since paid over {$38000.00} toward these services. Recently, I began receiving repeated collection attempts from MediCredit Inc. regarding an alleged balance related to XXXX XXXX. This includes frequent phone calls, emails, and mailed notices. However, I have directly contacted the billing department of XXXX XXXX XXXX multiple times, including most recently this week. Each time, I was clearly informed that my account is fully paid, I have no outstanding balances, and no accounts have been sent to collections. They also confirmed that they have no knowledge of MediCredit Inc. being associated with my account. Despite this, MediCredit continues collection activity on what appears to be an invalid or unverified debt. Additionally, I am receiving billing from XXXX XXXX XXXX for anesthesia charges related to the same date of service, which raises concerns about potential duplicate or overlapping billing for the same visit. This situation has caused significant stress and concern, especially due to the risk of inaccurate reporting to my credit. I am formally disputing this debt and request : Immediate validation of the alleged debt Immediate cessation of all collection activity Written confirmation that this account will not be reported to any credit bureau A full investigation into possible improper or duplicate billing The only acceptable resolution is confirmation that this debt is invalid and will not be reported now or in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 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: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a PDF document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am requesting a formal review of my account and lending decisions, along with a detailed written explanation of the specific reasons for my denial. I also request clarification of how the joint credit report impacted the decision and clear guidance on what is required for approval moving forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing a complaint against Equifax regarding inaccurate, incomplete, and unverifiable information on my credit report. There is a collection account listed under my Equifax report that lacks critical identifying information. Specifically, the account does not identify the collection agency or furnisher responsible for reporting this debt. The account is only labeled under Other Collection Agencies, which is vague and does not provide sufficient information to verify the source or ownership of the debt. Additionally : * No collection agency name is provided * No clear furnisher is identified * Key account details are incomplete or missing This makes it impossible for me to properly verify or dispute the account. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be accurate, complete, and verifiable. A tradeline that lacks basic identifying information for the reporting entity does not meet these requirements. Without a clearly identified furnisher, there is no way to validate the accuracy of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I have disputed this debt on my XXXX XXXX account multiple times with each time being denied. I am the victim of identity theft as reported to the ftc and the nys attorney general. Someone stole all my info and used it to open up credit in my name charging XXXX of dollars to my credit report. I cant remember the dates or times because I have short term memory loss but I have written notes on what was disputed. This isn't my account.

Company response to consumer: Closed with explanation