vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
On XXXX XXXX at XXXXXXXX XXXX I called Harris and Harris about a debt that was sent to them from XXXX. They provided me with the amount and when asked if they could provide written proof that they have the legal right to collect the debt, they replied and said they werent required to send that information and that I would need to talk to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 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

Complaint narrative:
I have funds in my PayPal account that I have been trying to withdraw to my bank account for over five weeks. I attempted multiple times to add my debit card and bank information in order to withdraw my balance, but PayPals system repeatedly blocked my attempts and prevented me from linking my card or bank account. I contacted PayPal customer support several times and escalated the matter to the Executive Office of Global Customer Complaints and Advocacy. In their response, PayPal stated that their internal security system blocked my debit card and bank information and that they are unable to override the restriction or manually add my banking details. Despite confirming that my funds are available in my PayPal balance, PayPal continues to deny me the ability to withdraw my own money electronically to my bank account. Instead, they repeatedly tell me that my only options are to try another card or request a physical check by mail. This is not a reasonable solution and does not resolve the issue. This situation has now been ongoing for approximately five weeks with no meaningful progress. Each time I contact PayPal, I am told the issue will be reviewed or escalated, yet no one has taken responsibility to resolve the problem. I have been given repeated assurances but no actual resolution, which is extremely frustrating and unacceptable when it concerns access to my own funds. Receiving a physical check is not a practical option for me. I am requesting that PayPal manually process a transfer of my funds directly to my bank account. I am willing to provide my bank details securely if necessary. This complaint serves as my final request for PayPal to resolve this matter promptly. If this issue continues to remain unresolved, I will have no choice but to escalate this matter further to the appropriate financial ombudsman and regulatory authorities. I respectfully request immediate action so that I can withdraw my funds without any further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: FL

Complaint narrative:
I'm disputing unauthorized charges from XXXX and XXXX under claim number XXXX I was continuously XXXX when these charges was made I provided chime with official XXXX intake and release records and a police report but they refuse to expedite the review and are making me wait till XX/XX/XXXX because I was XXXX it's physically impossible for me to authorize these transactions this is extenuating circumstances on the regulation E

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am disputing a collection account reported by Jefferson Capital Systems LLC for {$5300.00}. I do not recognize this account and have no knowledge of entering into any agreement with this company. I requested validation of the debt, including the original signed contract, payment history, and proof of assignment from the original creditor, but this information has not been provided. Despite the lack of verification, this account continues to be reported on my credit file, which is damaging my creditworthiness. Under the Fair Credit Reporting Act and Fair Debt Collection Practices Act, a debt collector must provide proper validation before continuing collection or reporting. I am requesting that this account be fully investigated and removed from my credit reports if it can not be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: COMMERCIAL SERVICES GROUP, INC.
State: TX

Complaint narrative:
XXXX transferred me from XXXX, XXXX to XXXX, XXXX in XXXX of XXXX as an XXXX XXXX. The company provided relocation assistance. I immediately resigned from the company on XX/XX/XXXX. I resigned because the job site was a risk to my safety and upper management didn't take the necessary steps to correct the problem. Some of the safety hazards that occurred, but not limited to, were vehicles getting broken into, employees threatening each other with the use of fire arms, dangerous disputes took place openly on the warehouse floor, employees threating to call non-employees such as family members and friends to come to the location to fight, employees threatening me-XXXX XXXX, and other uncomfortable situations took place. I reported these instances to HR and even provided final write ups to get these employees dismissed, but HR allowed the employees to stay. Instead, HR and management questioned my managerial abilities. Since I knew HR and management weren't going to change the problem, I left the company for my safety. I felt like If I had stayed, something fatal would have taken place. Besides, these events were draining my mental health. After I resigned, the company sent me a bill for {$15000.00} to repay for relocation. Since I didn't pay the debt, Commercial Services Group is attempting to collect the debt on behalf of XXXX ( see attached document ). I do not think I should pay that because of the dangerous and compromising situation I was placed in. In fact, I can't pay it because I have no employment at the moment. Can you please get the organization to retract this bill. Thanks for your help in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
A company by the name of Genesis debt recovery has been harassing me for years regarding a in legal debt from an apartment complex. By XXXX renter law the apartment complex should have provided a XXXX bedroom apartment for me and my XXXX children in stead they put me temporarily as they claim in a XXXX bedroom which is in legal by the housing laws in XXXX. 2 months went by and the apartment XXXX continued to rent out any available XXXX bedrooms out. I had complained several times to the office regarding drug use from the neighbor and even my children being expose to domestic violence from the neighbors upstairs. I offered Genesis a full pay out of {$3000.00} and they refused. Their reason was because I had failed to stay in contact with them. I received another letter and I contacted them explaining how I did not have the funds but that I am maintaining communication. The agent was extremely rude went on to interrupt me and ask me why did I call if I was bored and went to use fouled language asking me Why dont I get in a F- payment arrangement? And bragged about how he hun self had XXXX in his bank account. Then he hung up on me. I will be contacting a lawyer as well in regards to this matter their tactics are illegal. I had one agent tell me as well how the reason they do this is so people have no place to live unless the debt is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
I spoke to Sunset Credit Services who took the account from XXXX XXXX. They said that they had tried to contact me about it. I never received any phone calls. So I asked what number they used and it wasnt my number and then they shared the address and its an address that Ive never lived in. They said to speak with XXXX and I did. They verified that my account was in good standing and that I didnt owe them anything.

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 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: LA

Complaint narrative:
Validation of Debt Request - RADIUS GLOBAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

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 2026-03-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
I went to XXXX XXXX to see what phone I can get off my credit but I never went through I left the store I did a call phone my was disconnected I went back to XXXX XXXX they said they cant do nothing at all why I have a bill i never had a service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Rocket Mortgage purchased my mortgage from MXXXX XXXX In XXXX XXXX In XX/XX/year> when I attempted to make my payment online as usual to XXXX XXXX I was forwarded to Rocket and required to create a new log in & password which I did the process was difficult and took multiple attempts but I was finally able to make my XXXX payment. XX/XX/year> I used the NEW login created in XX/XX/year> and was again presented with info saying I had to create a new login & password.... again a cumbersome process that took multiple attempts but was finally able to make the payment. XX/XX/year> - accepted my login and presented with Rocket mortgage page with my name in top right hand corner but my loan is not present and they are unable to locate my loan information using my SS # phone # date of birth & loan #. Since the loan info is not associated with my account I can not make my current loan payment. I have been trying now for 4 days with the exact same results. I have made over 8 calls in that time period and only got a human on the phone twice. ( I have recorded 4 calls ) both times I was disconnected during the processing of validating my identify. All other 6 calls with disconnected my the auto attendant at various points during the calls 2 times because the call volume was too heavy and I was directed to the website to take care of my issue... after further research online this apparently has been happening to MANY others for over a year ( XXXX XXXX mortgage customers and others that were transferred to Rocket ) And Many other XXXX XXXX customers have been posting about these same issues ( site can not locate their loan & can not speak to anyone for help ) since the change to the XXXX XXXX XXXX ( just XXXX cant make Rocket Mortgage / XXXX XXXX payment. ) Chat link on all Rocket pages does NOT engage /function at all - phone links on website do not work either. I am concerned about my payment being late but I do not know what else to do. Someone posted to download the Rocket app but at this point I am concerned about how secure the app will be and I shouldn't have to download an app to make my mortgage payment. I have also filed with the AG of my state & the XXXX I would mail a check but I have NO IDEA where I should mail it to.....

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
To Whom It May Concern, I am writing regarding the above-referenced account originally opened with XXXX XXXX XXXX XXXX XXXX. and associated with XXXX XXXX. According to your records, the balance on this account is {$1100.00}. My goal is to resolve this matter and move forward responsibly. I have previously filed complaints with the Consumer Financial Protection Bureau in an effort to obtain clear communication and a reasonable resolution. I have attached your response to my previous complaint filed on XX/XX/2025 ( Complaint No. XXXX ) for reference. Please understand that my intent has never been to avoid this obligation. Rather, I have been attempting to resolve the matter so that it can be cleared from my credit record. If I intended for this account to remain on my credit report, I would not continue submitting complaints or attempting to reach a resolution. At this time, I would like to propose a settlement agreement. Due to my current financial circumstances, paying the full balance at once may be difficult ; however, I am willing to make a good-faith effort to resolve the account. As part of my effort to resolve this matter, I am proposing to negotiate a settlement by offering approximately 4050 % of the total balance to be paid through installment payments over an agreed-upon period. In exchange for completing the agreed settlement payments, I respectfully request that LVNV Funding LLC consider removing the tradeline associated with this account from all credit reporting agencies. Specifically, I am requesting that upon completion of the negotiated settlement payments, LVNV Funding LLC : Remove the tradeline associated with this account from all credit reporting agencies, and Update the account to reflect that it has been resolved and satisfied. If you are willing to consider this arrangement, please provide written confirmation of the settlement amount, the proposed payment terms, and confirmation that the account will be deleted from my credit reports upon successful completion of the settlement agreement. Once I receive written confirmation of the agreement, I will promptly begin making the agreed-upon payments according to the terms provided. Thank you for your time and consideration. I look forward to resolving this matter in a way that is fair and beneficial for both parties. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
XX/XX/XXXX : I received an email from American Express : XXXX : Use this email 's link to unlock your {$400.00} cash bonus. '' The promise was a {$400.00} bonus for opening a High Yield Savings account, depositing at least {$25000.00} and keeping the account for at least 60 days. I clicked on the link, set up the account, and received a Congratulations on your new account email the next day. I then transferred the required amount from a XXXX account. XX/XX/XXXX ( Yesterday ) : I checked to see if the {$400.00} bonus had been paid. It has not. So I called Amex, talked with someone in Savings who couldnt help me, and was sent to a supervisor. Bottom line : " The code on your account opening transaction shows that you did not set up the account using the link in the email. '' Yes, I absolutely did. Maybe it timed out and you started again outside the link. It was seven months ago, so I dont remember, but the fact that I already had an Amex card meant that it shouldnt have taken more than a few minutes to set up the new account, so timing out seems unlikely. " Well, the code says you didnt, so theres nothing I can do. '' Then please send me to someone who can. " There is no one higher than me to transfer you to. What I can do, is open a Complaint. That will not help me one bit, to file a complaint that goes into some Complaints Black Hole. This is the Amex Complaint number : XXXX ( filed XX/XX/XXXX ) Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Klarna AB
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Validation of Debt Request - NAVY FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief