vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian Financial Services, Inc.
State: CA

Complaint narrative:
Meridian Financial Services collection agency XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX, XXXX will not remove their name from my credit report even though the account has been paid in full for XXXX years, XX/XX/year>. I have disputed with my credit agencies too. Talked with Meridian and they tell me they dont remove. It is affecting my credit score and ability to obtain a loan. My credit score before this issue has always been over XXXX. This account was for timeshare fees. The resort failed to send bill to my new address and then went to Meridian. I paid immediately once Meridian contacted me. I need assistance getting this resolved. Thank you.

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 — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding Online Information Services and a collection account in the amount of {$300.00} that is currently being reported on my consumer credit reports. I dispute the validity and accuracy of this account. Although the company is reporting this debt to consumer reporting agencies, I have not received sufficient documentation establishing that I am legally responsible for the alleged debt or that the balance being reported is accurate. The Fair Credit Reporting Act requires that information furnished to consumer reporting agencies be accurate and capable of verification. Additionally, consumers have the right to obtain information necessary to determine whether an alleged debt is valid and properly reported. Because this account is negatively affecting my credit profile, I believe the company should be able to provide documentation supporting the information being furnished. To date, I have not received documentation showing the identity of the original creditor, a complete accounting of the amount claimed to be owed, or records establishing my responsibility for the account. As a result, I have concerns regarding whether the information being reported is complete, accurate, and verifiable. I am requesting that Online Information Services review this matter and provide documentation supporting the validity of the alleged debt.

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: TX

Complaint narrative:
I am submitting this complaint regarding a Capital One credit-card account that contains fraudulent activity. I did not authorize the [ opening of this account/ transactions listed on this account ], and I did not receive any benefit from the charges. I became aware of the issue on or around [ date ]. The fraudulent charges total approximately $ [ amount ]. I contacted Capital One on [ date or dates ] and explained that the account or charges were unauthorized. I requested that Capital One investigate the fraud, remove the fraudulent balance, stop collection activity, and correct any inaccurate information reported to the consumer reporting agencies. Despite my dispute, the issue has not been fully resolved. [ Briefly explain the response you received, such as : Capital One denied my fraud claim, Capital One continues to report a balance, or Capital One has not removed the account from my credit reports. ] I am requesting that Capital One conduct a complete investigation, provide the documents used to verify the debt, remove all fraudulent charges and related fees, stop attempting to collect any amount that I do not owe, and correct or delete any inaccurate reporting with XXXX, XXXX, and XXXX.

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: Problem with additional add-on products or services — 
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I paid off my OnePay loan approximately XXXX times faster than required, yet instead of being rewarded for responsible repayment, my spending power was completely removed without any clear or justifiable explanation. My credit score did not decrease, and my creditworthiness did not worsen. Despite this, OnePay has not provided additional financing options, and my available spending power appears to have been reduced rather than improved. At the same time, XXXX repeatedly prevented me from accessing spending power due to ongoing identity verification issues. These problems were tied to incorrect credit-reporting information and technical verification difficulties, including camera-related issues, rather than any failure on my part to establish my identity. Taken together, these actions have left me unable to access services despite maintaining my credit profile, resolving reporting issues, and demonstrating responsible repayment behavior by paying off my loan far ahead of schedule. I am requesting an immediate review of both my OnePay and XXXX accounts, restoration or reconsideration of my spending power, a reliable method to complete identity verification, and a clear explanation for the decisions that have negatively affected my account. I believe customers who pay loans off early and maintain their credit standing deserve fair treatment, transparency, and meaningful consideration for additional spending power.

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: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: AR

Complaint narrative:
I verified my identity then they refused to transfer my funds i received from XXXX as a class action lawsuit and then they refused to close my account out either after I already submitted my driver license and a screenshot of my face I just want my money and close my account out or just close my account out and keep the money I just want them to completely delete all my information because I think they attempting to defraud me again as we speak this is from paypal

Company response to consumer: Closed with non-monetary relief
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: Experian Information Solutions 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 — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: 1st Franklin Financial Corporation
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 lock up on XX/XX/XXXX then was sentenced to XXXX 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: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX XXXX XXXX is reporting two collection accounts on my XXXX credit report account ending XXXX balance {$440.00} ( Capital One Quicksilver ) and account ending XXXX balance {$580.00} ( Capital One XXXX ) without being able to prove valid ownership of these debts. XXXX maintained an invalid mailing address ( XXXX XXXX XXXX, XXXX TX XXXX ) on my credit report tradelines. When I sent certified mail debt validation demands to that address on XX/XX/year>, the letters were returned undeliverable because XXXX had vacated that address with no forwarding. This invalid address prevented me from exercising my FDCPA rights and constitutes a false representation under the FDCPA. I resent validation demands to XXXX 's current address ( XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX SC XXXX ) which were delivered XX/XX/year>. XXXX responded through XXXX XXXX XXXX but explicitly refused to provide the purchase and sale agreement proving chain of title from Capital One to XXXX. Their response consisted of a self-prepared account summary that states on its face it is not a statement from the original creditor. I filed a prior CFPB complaint ( XXXX ) regarding these same accounts against XXXX. XXXX responded by flagging my legitimate FCRA dispute as suspected fraud and refusing to respond a deflection tactic to avoid addressing their inadequate 5-day automated investigation. XXXX can not prove ownership of these debts with proper documentation, maintains false contact information on credit report tradelines, and has prevented me from exercising my legal rights under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: UPGRADE, INC.
State: VA

Complaint narrative:
The original Collection Agency was XXXX which was connected to a time share I was signed up for and found out it was a scam. The balance owed was {$1600.00} this balance was sent to a third party XXXX XXXX. I paid the {$1600.00} in full due to damage to credit score. Even though its been paid in full its still reporting improperly on other credit bureaus. Im requesting that there be a review to remove this debt as a false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
I am submitting this complaint because Ally closed CFPB Complaint XXXX as resolved even though the core issues remain unresolved. My original dispute involved payment transactions from XXXX and XX/XX/year>. The dispute began in XX/XX/year> when Ally acknowledged receiving payments associated with XX/XX/year> and XX/XX/year>, but could not locate or apply an additional debit that cleared my bank account on XX/XX/year>. I provided bank documentation showing the funds were withdrawn and repeatedly requested the results of Ally 's investigation. Instead of providing clear findings, Ally instructed me to work with my bank regarding the transaction. Acting in good faith, I followed those instructions and repaid funds as requested to ensure Ally received all amounts due under the loan. In its CFPB response, Ally focused on refunded and reversed payments but did not address the central issue : why it continues to maintain a substantial balance on my account. Ally has never provided a transaction-level accounting showing how the disputed payment, subsequent reversals, repayments, and adjustments were applied or how the remaining balance was calculated. Ally also stated that it credited my account {$1200.00} as a customer service accommodation. However, Ally has not demonstrated where that credit was applied, how it reduced my balance, or how it resolved the dispute. The disputed balance remains, the " Other '' charge remains, and additional fees continue to accrue. Notably, Ally 's response does not identify any unpaid monthly installment. Its records show that payments were received and applied after the dispute arose. I made my payments, repaid funds when requested, and followed Ally 's instructions throughout this process. The primary issue is that Ally has failed to explain the basis for the disputed " Other '' charge, provide documentation supporting it, identify any unpaid installment, or explain why fees continue to accrue. Ally also has not shown how its claimed {$1200.00} credit resolved the issue when the disputed balance remains on the account. Additionally, Ally restricted my ability to make payments through its online and automated payment systems. While its CFPB response described alternative payment methods, it did not restore the payment access that had been disabled. Ally 's response did not resolve the underlying dispute. It failed to provide the requested accounting, failed to explain the disputed charges, and failed to justify the balance that remains on my account. For these reasons, I am requesting CFPB review of this continuing dispute.

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 — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I'm a single mother doing everything I can to hold my life together, but lately it feels like I'm drowning. Everyday day is a struggle to make ends meet. I lie awake at worrying about bills, food and how I'm going to provide for my child. The stress is constant, and the weight of carrying everything on my own becoming harder to bear.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Williams & Fudge, Inc
State: WV

Complaint narrative:
I am filing this complaint regarding severe consumer confusion, deceptive identity-masking communication tactics, and missing statutory disclosures executed by Williams & Fudge , Inc. and its digital delivery partners. On XX/XX/scrub> 2026, I received a digital communication utilizing the corporate name and likeness of XXXX University. Review of the transmission reveals extreme multi-jurisdictional fragmentation that mimics a malicious phishing or corporate identity theft scam. The communication presents XXXX entirely separate out-of-state mailing parameters simultaneously : An automated mail-merge envelope layout directing return routing to XX/XX/XXXXXXXX, NC XXXX. An overlaid statement header directing remittance to XXXX XXXX XXXX, XXXX XXXX, SC XXXX. Text within the digital transmission referencing a physical facility at XXXX XXXX XXXX, XXXX XXXX, SC XXXX. Furthermore, this initial digital collection communication completely omitted mandatory consumer protection disclosures required under RegulationXX/XX/XXXX ( XXXX XXXX XXXX ) and 15 U.S.C. XXXX ( XXXX ). It completely lacks a clear mechanism or instructions allowing a consumer to opt out of electronic tracking to an institutional email address and fails to clearly state the mandatory statutory warning identifying the collector 's true identity. Even if an institutional consumer desired to address this file, this chaotic, fragmented multi-state vendor trail leaves it impossible to determine who is processing data or where funds can be securely sent without risking fraud. I demand that Williams & Fudge , Inc. immediately cease all electronic tracking and automated transmissions to my institutional network address and conduct an immediate audit of their white-label identity masking practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint because I have been repeatedly denied the ability to open a bank account due to information being reported through XXXX I strongly believe that my identity may have been stolen and used without my authorization. As a result, negative information appears to be associated with my name and personal information, preventing me from opening a checking or savings account. I do not recognize some of the reported activity and believe it may be the result of identity theft or fraudulent account activity. Because of this reporting, I have been denied access to basic banking services, causing significant hardship. I am requesting that XXXX and any reporting financial institutions investigate the accuracy of the information associated with my consumer file. If any information resulted from identity theft, I request that it be removed or corrected immediately. I am also requesting copies of all records, account information, and documentation used to support the negative reporting so that I can identify any fraudulent activity and take appropriate steps to protect my identity.

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: 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 am filing this complaint against PayPal , Inc. for the unlawful withholding of my funds and the unjustified permanent restriction of my account. On XX/XX/XXXX, my PayPal account was limited. I was explicitly informed by PayPal that my funds would be released and available for withdrawal after 120 days, placing the release date on or around XX/XX/XXXX. I complied with their terms and waited. However, on XX/XX/XXXX less than three weeks before my funds were due for release PayPal permanently blocked my account without prior notice, valid justification, or any meaningful explanation. I believe this action was deliberate and timed to prevent me from accessing money that is rightfully mine. I also wish to preemptively address a claim PayPal may use to justify this action. I do not own, operate, or have any affiliation with any other PayPal account. If PayPal alleges otherwise, I formally challenge them to produce verifiable evidence account details, activity records, or any documentation linking me to another account. If such evidence exists, I accept full legal accountability. It does not exist. Any such claim would be false and fabricated. I am requesting the following resolution : Immediate restoration of access to my PayPal account, or Immediate release of all funds held in my account to my verified withdrawal method The withholding of consumer funds without lawful basis falls within the CFPBs jurisdiction, and I respectfully request that this matter be investigated thoroughly. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I am submitting this complaint regarding IC System , Inc. and a collection account in the amount of {$250.00} that is currently being reported on my consumer credit reports. I dispute the validity, accuracy, and completeness of this account. Although IC System is furnishing information regarding this alleged debt to consumer reporting agencies, I have not been provided with sufficient documentation establishing that I am legally responsible for the debt or that the balance being reported is accurate. The account is negatively impacting my credit profile and may affect my ability to obtain credit, housing, insurance, and other financial opportunities. Given the consequences associated with collection reporting, I believe any information furnished to consumer reporting agencies should be supported by documentation and capable of independent verification. The Fair Credit Reporting Act requires furnishers of information to provide accurate information to consumer reporting agencies and to conduct a reasonable investigation when disputed information is challenged. In addition, consumers have the right to obtain information necessary to determine whether an alleged debt is valid and properly reported. At this time, I have not received documentation sufficient to establish : The identity of the original creditor The date the alleged obligation was incurred A complete itemization of the balance being reported Documentation explaining how the balance was calculated Records establishing my legal responsibility for the debt Documentation demonstrating IC System 's authority to collect and report the account Because the account continues to be reported on my consumer credit reports, I am concerned that information may be furnished without sufficient supporting documentation to verify its accuracy and completeness. I am not refusing to pay a debt that is valid. Rather, I am seeking documentation sufficient to determine whether the debt belongs to me, whether the amount being reported is accurate, and whether the information being furnished to consumer reporting agencies can be substantiated. Despite the ongoing reporting of this account, I have not received documentation adequate to resolve these concerns. Therefore, I am requesting CFPB assistance in obtaining a meaningful review of this matter and a substantive response from the company.

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 — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Loan South Finance & Tax Service of Troy, LLC
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 lock up on XX/XX/XXXX then was sentenced to XXXX in XXXX.

Company response to consumer: Closed with explanation