vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was XXXX from XX/XX/XXXX and was released on XX/XX/XXXX while in XXXX a lot of identity theft in my name was going on and now credit cards company is coming after me.i went to XXXX XXXX XXXX when i was XXXX XXXX on XX/XX/XXXX then was sentenced to XXXX in 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 2026-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

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 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
My debt to PayPal was legally discharged under 11 U.S.C. 727 per Order of Discharge dated XX/XX/XXXX ( Case No. XXXX, U.S. Bankruptcy Court, District of XXXX , XXXX XXXX XXXX XXXX ). The bankruptcy petition was filed XX/XX/XXXX. Despite this court order, PayPal continues to display a negative balance of - {$31.00} on my account, refuses to close the account, and has threatened to refer the discharged debt to a collection agency. I notified PayPal multiple times : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I uploaded the court documents through PayPal 's own document portal. PayPal agents acknowledged receipt but refused to act. This is a direct violation of the federal discharge injunction under 11 U.S.C. 524. I am requesting CFPB investigate and require PayPal to comply with the federal court order.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I am filing a formal complaint against Bank of America for violations of my rights under the Fair Credit Billing Act ( XXXX ) regarding a credit card fraud claim on my closed account ending in XXXX. Bank of America denied my initial claim for unauthorized charges totaling {$6800.00} from a direct deposit transfer. When I called to contest the denial, Bank of America staff explicitly stated to me that they lacked the technical capability to block this type of Identity Theft/Fraud from happening again in the future. Because the bank admitted they could not secure my account, I was forced to order the account closed immediately to protect myself from ongoing identity theft. Furthermore, while the validity of the fraud claim was actively being contested, Bank of America allowed its automatic payment system ( Autopay ) to draft the entire disputed balance directly from my personal funds. This completely stripped away my federal right under the XXXX to withhold payment on disputed amounts during an ongoing investigation. Bank of America has allowed fraudulent entities to compromise my identity, admitted they can not secure their own credit instruments, permitted my personal cash to be seized via Autopay to settle a fraudulent balance, and is now withholding my money on a closed account. I have filed a formal written appeal via Certified Mail. I am requesting that the CFPB compel Bank of Americas executive resolution team to manually reverse this denial and issue a physical check payout for my credit balance of {$6800.00} to my current mailing address.

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 monetary relief
Consumer complaint received 2026-05-31 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: MA

Complaint narrative:
I delayed filing a complaint because I did everything I can to try to solve my problem with Venmo. My ex boyfriend borrowed money from me and agreed to pay me back. He sent me {$900.00} through XXXX. I deposited the funds into my account, and a few days later XXXX reversed the charges. First they said there was a dispute regarding a product. Then they stated they don't back commercial, etc. I sent them a few conversations I had with my ex stating he acknowledge he owed me money and that he'll send it to me through Venmo. proof there was no product or items involved. I then displayed to Venmo the conversation was between to individuals dealing with a personal matter and not anything to do with anything commercially. XXXX ended it stating it was a commercial deal and refused to reverse/reinstate payment causing me to be {$900.00} in debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Cedars Business Services, LLC
State: NC

Complaint narrative:
I am submitting this complaint regarding Cedar Business Services and a collection account in the amount of {$560.00} that is being reported on my consumer credit reports. I dispute the validity and accuracy of this account. Although Cedar Business Services is furnishing information regarding this debt to consumer reporting agencies, I have not been provided with sufficient documentation establishing that I am legally responsible for the alleged debt or that the balance being reported is accurate. The Fair Debt Collection Practices Act ( FDCPA ) provides consumers with the right to request information regarding alleged debts, and the Fair Credit Reporting Act ( FCRA ) requires that information furnished to consumer reporting agencies be accurate and capable of verification. At this time, I have concerns regarding whether the information being reported meets those standards. I am seeking documentation that supports the debt, including the identity of the original creditor, a complete accounting of the amount claimed to be owed, and records establishing my responsibility for the account. Because this account is negatively affecting my credit profile, I believe the company should be able to provide documentation supporting the accuracy and completeness of the information being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
On or about XX/XX/XXXX, the vehicle associated with this account was repossessed. Under California law, I am entitled to receive proper written notices both before and after repossession. However, I do not recall receiving all required notices, including a Notice of Intent to Sell and a post-sale notice detailing the outcome of the sale. On or about XX/XX/XXXX, t he vehicle was sold ; however, I was not provided with documentation showing the sale price or how the value was determined. Under California Civil Code, a lender must dispose of repossessed property in a commercially reasonable manner. To date, no evidence has been provided demonstrating that the sale of this vehicle met that requirement. Following the sale, I was informed of an alleged remaining balance ( deficiency balance ) of approximately {$17000.00}, but no detailed breakdown or supporting documentation was provided. Under California law, I am entitled to a full accounting of how any deficiency balance was calculated, including the sale price, fees, and any additional charges. This information has not been properly provided. On XX/XX/XXXX, I contacted the company and requested full validation of the account, including documentation of the repossession, sale, and calculation of the remaining balance. On XX/XX/XXXX, I followed up and again requested : * Proof of the sale price and how it was determined * A detailed breakdown of the remaining balance, including all fees and charges * Copies of all required pre- and post-repossession notices * A complete payment history The company failed to provide sufficient documentation to verify the accuracy of the reported balance or demonstrate compliance with California repossession laws. As of XX/XX/XXXX, this matter remains unresolved, and the account continues to be reported without proper verification. Failure to comply with California repossession and notice requirements calls into question the validity of the deficiency balance and the accuracy of the reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
complaint regarding Chime and the handling of my account funds after my account was closed in XXXX. In XXXX, Chime closed my account and informed me that the remaining funds would be sent to me via paper check. I never received this check. Since that time, I have repeatedly attempted to recover my money, which totals approximately {$17000.00}. Each time I have contacted Chime, I have been given inconsistent and unclear explanations. Initially, I was told my account was closed due to a violation of terms and conditions related to alleged business use of the account. More recently, they have provided different explanations and are now stating that the funds are not eligible for refund. They have refused to clearly explain what happened to my money or provide documentation showing where the funds were sent. I have requested specific information multiple times, including confirmation of whether a check was issued, tracking information, or whether the funds were sent to any other institution or state agency. Chime has not provided any of this information. At this point, I am requesting a full accounting of my funds, including the final disposition of the account balance, and immediate resolution so that I can recover my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
the company identify you and your account. I was incarcerated from XX/XX/XXXX and was released on XX/XX/XXXX while in prison a lot of identity theft in my name was going on and now credit cards company is coming after XXXX went to XXXX XXXX jail when i was lock up on XX/XX/XXXX then was sentenced to prison in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MARINER FINANCE, LLC
State: WA

Complaint narrative:
A loan from Mariner Finance of almost {$3000.00}. Never received communication from them after creating payment plan. XXXX XXXX XXXX is collections from XXXX XXXX of the balance {$660.00}. Inquiries I didnt make.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: AR

Complaint narrative:
Subject : Complaint Regarding Inaccurate Credit Reporting by Affirm , Inc. and XXXX To the Consumer Financial Protection Bureau, I am filing a complaint regarding inaccurate, incomplete, and conflicting information being reported by Affirm , Inc. to XXXX which is harming my credit profile. Despite previous disputes, XXXX continues to report incorrect information that does not match the payment and balance histories shown in my credit file. I am requesting the CFPBs assistance in requiring Affirm and XXXX to conduct a lawful reinvestigation and correct or delete the inaccurate information under the Fair Credit Reporting Act ( FCRA ), including XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: InDebted Corporation
State: IL

Complaint narrative:
I have tried calling Indebted multiple times. No answer. I disputed on their website, no answer. They reached out to me over and over again saying if I paid a specific amount ( {$190.00} ) that they would make the rest of the debt with klarna go away. I have proof that I paid and proof of the emails and proof that my klarna debt is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am submitting this complaint regarding LVNV Funding LLCs reporting of a collection account originally associated with XXXX XXXX XXXX. I disputed this account and requested documentation supporting LVNV Fundings ownership of the debt and the accuracy of the information being furnished to consumer reporting agencies. To date, I have not been provided with sufficient documentation to support the continued reporting of this account. I requested the original signed agreement, complete payment history, account statements, charge-off records, date of first delinquency, chain of assignment showing the transfer of the debt from XXXX XXXX XXXX to LVNV Funding , and all documents used to verify and furnish this account to the credit bureaus. Despite these requests, the account continues to be reported as a collection account. As a debt buyer, LVNV Funding should be able to demonstrate that it has the legal right to collect and report this debt and provide documentation supporting the balance, ownership, and reporting of the account. Simply verifying the account without providing the supporting records requested does not resolve my concerns regarding the accuracy and completeness of the information being reported. Under the Fair Credit Reporting Act, information furnished to consumer reporting agencies must be accurate, complete, and capable of verification. If LVNV Funding can not provide competent documentation supporting ownership of the debt and the information being reported, the account should not continue to appear on my credit reports. I am requesting a complete investigation into this matter. I request that LVNV Funding provide all documentation used to verify and report this account. If the company can not provide sufficient documentation supporting ownership, accuracy, and reporting of this account, I request that the account and all associated derogatory information be deleted from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
Thank you for your correspondence regarding the closure of my Fortiva Credit Card account. I am writing to formally dispute the recent addition of this account to my Experian credit report. This account was paid as agreed, and this entry was added approximately six months after the fact. This late and adverse reporting is inaccurate and appears to be in violation of the Fair Debt Collection Practices Act ( FDCPA ). I am requesting the immediate removal of this entry from my Experian credit report. Please be advised that I am prepared to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) if this is not resolved promptly. Each violation of the FDCPA may carry statutory damages of up to {$1000.00} per violation, in addition to actual damages. I expect written confirmation of the removal within 30 days of this correspondence. Should this matter remain unresolved at that time, you will receive a formal certified letter initiating the statutory notice period prior to legal action. Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc
State: FL

Complaint narrative:
Credit fresh calls on a daily basis minium of XXXX calls +

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I am filing a complaint against PayPal , Inc. for fraudulent debt placement and retaliatory billing practices. My bank, XXXX, fully investigated an XXXX merchant fraud dispute regarding a defective electric tricycle with a hazardous lithium battery. The XXXX merchant refused to provide a mandatory prepaid return label. During the investigation, XXXX contacted PayPal for information. Immediately upon being contacted, PayPal placed a - {$1100.00} balance on my account, falsely claiming a 'double refund ' occurred. I immediately contacted XXXX about this and showed them my full PayPal transaction history. XXXX reviewed it, confirmed there was absolutely no double refund, and was appalled by PayPal 's immediate retaliation. XXXX legally ruled in my favor under XXXX XXXX, finalizing a chargeback of {$1100.00} on XX/XX/year>. On XX/XX/year>, I spoke to XXXX XXXX in the PayPal Limitations Department under Reference Number XXXX. After reviewing my full transaction history, the representative explicitly confirmed that NO double refund ever occurred. She openly admitted that PayPal made my account negative solely because they had to send the funds back to XXXX, intentionally forcing the fraudulent charge onto me instead of collecting it from the fraudulent seller. She claimed she was placing an investigation hold but then admitted she could not provide an email confirmation or a true hold because the system had already forwarded the debt to XXXX XXXX, a third-party collection agency. They then automatically hung up on me. PayPal is violating federal consumer billing protections by fabricating a debt to circumvent a bank ruling. I demand that PayPal immediately recall this file from XXXX XXXX and manually reset my balance to {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I created a bank account with Regions bank 4 days ago. I had my full direct deposit set up and due to me not having a card yet I simply transferred my money to another bank account that I have using XXXX so I can still pay my bills and the money I sent was less than {$500.00}. I received no alerts, texts, emails or any communication regarding the hold on my account at all and the only reason I found out was because I needed to transfer the money for my rent which is due XX/XX/year>. When I called they told me they couldnt provide details and I need to go to a branch so on Saturday XXXX XXXX I went to the only branch that was open and they proceeded to say they couldnt tell me why my account is on hold, its a corporate hold, and the most they can do is send a ticket. They never explained why my account is on hold, I was never contacted, I never received an update on anything regarding my account. All they kept telling me was they couldnt do anything.my current account balance is over {$700.00}. Im overly disappointed and absolutely disgusted by the way in which the bank handled this situation. With my XXXXXXXX XXXXl I called them and told them Im the one behind the account sending money because I also lost my card. They transferred me to someone that could help and my account was unlocked the same day. Even when I verified my identity and explained what happened regions bank never fixed the situation nor fully explained why my account was on hold.

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 monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX XXXX XXXX and Midland Credit Management for a bad-faith contract violation and wrongful debt assignment.I was actively enrolled in the optional XXXX Credit Protection program on my account. During last year, I suffered a XXXX XXXX emergency and temporary XXXX due to a XXXX XXXX XXXX XXXXe.Because I had no money or health insurance, I had to manage this XXXX XXXX at home.I filed a timely hardship claim with the Indigo Credit Protection department and provided a chronological, series of photos showing the bite getting progressively worse to prove my disability.Also I have the scars to prove.Despite this clear evidence of a qualifying medical hardship, the protection department and an internal supervisor wrongfully denied my claim. Instead of pausing my payments per our contract, XXXXXXXX XXXX charged off my account and sold it to a debt buyer, Midland Credit Management ( MCM ) .MCM is now actively threatening me with legal action. I am demanding that XXXXXXXX XXXX retroactively approve my valid protection claim, recall this debt from MCM, and remove all negative credit reporting related to this medical crisis. Stop all collection and legal activities on this account while this matter is being investigated by federal regulators and the retroactive protection claim is reviewed. My demand to XXXXXXXX XXXX I demand that XXXXXXXX XXXX retroactively honor my valid Indigo Credit Protection claim, immediately recall the debt from Midland Credit Management ( MCM ), and cease all collection and legal activities. Furthermore, I require that both XXXXXXXX XXXX and Midland Credit Management completely delete any and all negative credit reporting, collection tradelines, or derogatory marks associated with this account from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief