vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-22 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: FL

Complaint narrative:
XXXXI am filing this as a XXXX and final complaint against Midland Credit Management regarding account XXXX originally from XXXX XXXX XXXX XXXX, reporting a balance of XXXX across all three credit bureausXXXXI have now filed two prior CFPB complaints against Midland, numbers XXXX XXXX XXXX Both were closed with explanation. Neither response provided proper debt validation under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. Midland's first response attached XXXX XXXX XXXX XXXX billing statements, which do not constitute verification of debt ownership. Midland's second response simply stated they had previously mailed verification information and directed me to their website for additional documentation. Neither response addressed the specific deficiencies I raisedXXXXMidland Credit Management has now had three opportunities to validate this debt and has failed each time. Specifically, they have never provided the following:XXXX, a bill of sale or purchase agreement proving that XXXX XXXX XXXX XXXX legally sold and assigned account XXXX XXXX XXXX XXXX to Midland Credit Management. Without this document, Midland has not established any legal right to collect this debt or report it on my personal credit file.XXXX a complete and unbroken transaction history from the date the account was opened through the date of charge-off. The statements provided skip multiple billing cycles, leaving the balance accumulation entirely unaccounted forXXXXXXXX any explanation for the inconsistent first delinquency dates being reported across XXXX XXXX XXXX XXXX The original complaint documented that XXXX shows XXXX XXXX XXXX shows XXXX XXXX, and XXXX shows differing data. The same furnisher cannot report different first delinquency dates to different bureaus for the same account. This is a direct violation of 15 U.S.C. 1681s-2.XXXX any documentation showing how the reported balance of XXXX was calculated. The last XXXX XXXX XXXX statement provided by Midland shows a balance of XXXX XXXX XXXX, and reflects a statement date of XXXX XXXX XXXX. No documentation has been provided showing what happened to this account between XXXX XXXX and when Midland acquired itXXXXMidland has responded XXXX with boilerplate language and has made no good faith effort to address the specific violations raised. This pattern of non-response while continuing to report a derogatory collection account on my credit file constitutes continued violation of the FDCPA and FCRA.XXXXI am requesting that the CFPB require Midland Credit Management to permanently delete account XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit reports immediately. Midland has had ample opportunity to validate this debt and has failed to do so. Continued reporting without proper validation is unlawful and I am prepared to pursue all available legal remedies including a private right of action under 15 U.S.C. 1692k if this account is not deleted."

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST PORTFOLIO SERVICING INC
State: IA

Complaint narrative:
My Total Visa credit card : XXXX is lost/stolen. I want my Total Visa credit card account permanently closed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Issue : PayPal is holding my funds beyond the XXXX period and provided an incorrect and inconsistent response to my previous CFPB complaint. Summary : I previously filed a CFPB complaint on XX/XX/year> regarding PayPal permanently limiting my account and holding my funds beyond the required XXXX period. PayPal responded to that complaint on XX/XX/year>, but their response contained incorrect dates and factual inconsistencies. Specifically, PayPal stated they would release my funds on or before XX/XX/year>, which is XXXX months before my complaint was even filed. This date is impossible and indicates that PayPal did not conduct an accurate or individualized review of my account. Their response appears to have been generic or recycled, not based on my actual situation. Despite their claim, my funds have still not been released, and it has now been well over a year since my account was permanently limited. I have no open disputes, chargebacks, or claims. PayPal has not provided any lawful or documented reason for withholding my funds beyond the XXXX period stated in their own User Agreement. I am requesting that the CFPB reopen this matter and require PayPal to : Conduct a correct and individualized review of my account, Explain why my funds are still being held past the XXXX period, or Release my funds immediately as required by their policies. Requested Resolution : Release my full available balance or provide a specific, lawful justification for withholding it beyond the XXXX period. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am writing to formally dispute a debt collection account reported by CAINE & WEINER, which has been inaccurately listed under my credit profile with XXXX, XXXX, and XXXX. The account number associated with this debt is XXXX XXXX XXXX XXXX XXXXXXXX, with an outstanding balance of {$1100.00}, currently marked as a collection. My date of birth is XX/XX/year>, and the last four digits of my Social Security Number are XXXX. I have never incurred this debt, nor have I ever had any dealings with the original creditor associated with this account. According to the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to dispute debts that I do not owe. This account is causing significant harm to my credit scores, currently reflecting as XXXX with XXXX, XXXX with XXXX, and XXXX with XXXX. The presence of this unverified and erroneous collection account is unjustly damaging my creditworthiness and impeding my financial opportunities. I have already initiated disputes with the credit bureaus, but the account remains unresolved and continues to appear on my credit reports. This situation has not only affected my credit score negatively but has also caused undue stress and hindered my ability to secure credit or favorable loan terms. I respectfully request that CAINE & WEINER conduct a thorough investigation and verify the legitimacy of this debt. I demand that this account be completely removed from my credit reports with XXXX, XXXX, and XXXX as it is not mine and was reported erroneously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-22 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:
Filed a dispute for gift cards i bought that were used when I tried to use. Disputed with my credit company and they then sided with the merchant and requested i provide proof. I provided it and proof of the merchant authorizing a refund but they keep denying jt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
So I had recently moved and I updated my address and when I updated my address, I guess that caused a security issue so I needed to verify my identity and I know this already because I'm a client of PayPal which is a sister website of they refuse to give me information about my account they were lying. To me and misleading me and they kept telling me to try buying crypto again so my account could get blocked. And then I will be Anymore, cause that would've been the outcome of me keep on trying when I keep getting declined and they refuse to tell me that I just need to verify my identity, they were misleading in lying

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I believe this account is time barred, and also just popped up on my credit report lowering my score. I ask that they validate debt and also prove what they're saying. I'm asking for a quick resolution of this item being removed from the two bureaus that have them listed on my credit, I'm in the process of starting my new business and this false info is hurting my portfolio. Please remove expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2026-04-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LOBEL FINANCIAL CORPORATION
State: OR

Complaint narrative:
CFPB Statement of Facts Company Name : Lobel Financial Account Number : XXXX Associated Legal Representative : XXXX XXXX Detailed Description of Issue : I am filing this complaint because Lobel Financial is attempting to collect a " deficiency balance '' on a vehicle that was stolen, while willfully refusing to apply insurance proceeds and failing to provide a proper debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ). The Incident : My XXXX XXXX XXXX was stolen on XX/XX/XXXX. A formal report was filed ( XXXX Police Report # XXXX ) and provided to the insurance adjuster at Lobel Financial. Failure to Apply Insurance : Lobel Financial maintained Lender-Placed Insurance ( loss coverage ) on this vehicle. Despite the total loss of the vehicle due to theft, Lobel has failed to apply the insurance proceeds to the account balance. Lack of Validation : On XX/XX/XXXX, I sent a formal dispute and demand for validation to Lobels legal representative, XXXX XXXX. I requested a certified, itemized ledger showing the total loss value and an explanation for the unapplied insurance funds. To date, I have not received a detailed accounting that reflects the insurance coverage. Contractual Breach : Lobel Financial failed to provide the contractually mandated XXXX " opportunity to cure '' before taking adverse action and pursuing this alleged deficiency. Illegal Collection Activity : The company is pursuing a balance that should have been satisfied by insurance proceeds. Attempting to collect a debt that is not owed, or an inaccurate amount, is a violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi on XX/XX/XXXX I had opened a fraud case with Bank of America my tax refund of {$4100.00} was taken out of my Bank of America card. I provided text messages from the people claiming they were from Bank of America and FBI, I provided a police report from XXXX police department with detective XXXX, and I went to the financial center where they marked that transaction as a scam and fraud. I been calling Bank of America and they said they will refund me my money its XXXX XXXX and I have not received it and it says researching I asked for a manager and customer service refused to transfer me to a manager. Im filing this complaint cause its been 60 days exactly and I feel like the bank isnt doing 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 2026-04-22 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: HI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: SC

Complaint narrative:
I received an offer and an email from Amex. I opened a Savings account with Amex in XXXX that was supposed to offer a {$400.00} bonus. They gave different dates that were wrong and didn't match what my transactions show. I met all the criteria for that bonus. A few months ago, their agents said I met the criteria and would receive a bonus, but today they easily denied it. I opened an account on time, deposited on time within the exact timeframe, all transactions and a check deposit were on time, and I have all transaction dates between Amex and my other bank. Today, their agent said different things. One time, she said the balance was complete after XX/XX/XXXX, and when I said it was complete on XX/XX/XXXX, they said it was because of a check deposit that was cashed after 11 days, while my bank shows the check was cashed on XX/XX/XXXX. One time, she said I would check to see if there is no lack of budget. I had trusted them and deposited the required amount, but unfortunately, they easily cheated me. I appreciate your help in resolving this. Thanks! Best, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
XXXX XXXX, a XXXX XXXX XXXX, has been the subject of a concerning incident involving unauthorized activity on my account. I discovered a spoofed email minutes prior to receiving an activation email, which resulted in my account being compromised. I promptly shared this information with four of my credit card companies, and three of them have resolved the issue by issuing refunds. However, Robinhood XXXX has denied all charges, despite my clear explanation that my account was spoofed and that the unauthorized charges were all from my decade-long credit card history. This is the first time I have encountered such an issue. In the past month, four of my credit cards have been maxed out, including XXXX, XXXX, XXXX XXXX, and Robinhood. When I contacted Robinhoods customer service, they informed me that they had no information and required me to explain the rules and terms to them, as they were unaware of the situation. They stated that the only way to contact the fraud department is via email, and I have yet to receive a response after a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am disputing a {$900.00} transaction made on XX/XX/year>, at XXXX XXXX from my card ending in XXXX to a debit card ending in XXXX via Cash App. Although I authorized the transaction, I did so because I was deceived by someone impersonating a XXXX XXXX XXXX XXXX representative using what appeared to be their official phone number. I was given instructions that I now understand were part of a scam. I would not have sent the money under normal circumstances. I reported the incident immediately, and both Cash App and XXXX XXXX are investigating. I am requesting that this transaction be reviewed as fraud and that the {$900.00} be reimbursed. On XX/XX/year>, at XXXX XXXX., I received additional information from the Cash App fraud department regarding the scam transaction that occurred on XX/XX/year>. I am requesting a thorough review and trace of the fraudulent transaction. The details provided are as follows : Deposit Amount : {$880.00} Date of Deposit : XX/XX/year> Bank Name : XXXX XXXX Bank, XXXX XXXX XXXX XXXX Digits of Debit Card : XXXX Visa Network ID : XXXX This transaction was the result of a scam in which I was deceived into sending funds to an account associated with this debit card. I am requesting that this information be used to trace the recipient account and assist in recovering the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My lease was grounded on XX/XX/year> by XXXX XXXX, before I signed any documents or authorized lease-end finalization. I disputed, and still am, any account actions or charges resulting from unauthorized grounding. I am also facing excess mileage charges ( $ XXXX ) after being unable to finance the buyout due to the vehicles diminished value caused by repeated recalls.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-22 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: Westcreek Financial
State: ID

Complaint narrative:
I am filing a formal complaint against Koalafi ( Account # XXXX ) for unfair and deceptive business practices that prevented me from exercising my 90-day Early Purchase Option ( EPO ). On XX/XX/XXXX, I entered a lease agreement for furniture purchased in XXXX XXXX, WA, with a cash price of {$1100.00}. I explicitly notified Koalafi via telephone that I would be making manual payments to payoff the balance early and did not want autopayments processed. Despite this, Koalafis system continued to attempt autopayments while simultaneously marking my manual attemptsspecifically a {$750.00} payoff attempt on XX/XX/XXXXas " Cancelled. '' Between my bank statements and their history, I have made manual card payments totaling {$1600.00}, yet Koalafi only credits me for {$850.00}. Furthermore, they failed to notify me that my payment method was suddenly deemed " invalid '' by their system. This lack of notification and their failure to process my manual payoff attempt led to them claiming I missed my XX/XX/XXXX, EPO deadline. They are now demanding an additional payoff of {$1300.00}. When I offered to return the items, which is my right under the contract, I was told it was not an option. I am requesting that Koalafi reconcile my total manual payments and honor the original cash price.

Company response to consumer: Closed with explanation