vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Greenlight Financial Technology, Inc
State: NY

Complaint narrative:
I am the parent and primary accountholder for my XXXX sons Greenlight generalpurpose prepaid debit card. Between XX/XX/XXXX and XX/XX/XXXX, his Greenlight card ( funded from my bank account ) was hit with 66 recurring charges totaling {$850.00} through XXXX for a service he never actually received. These charges quietly drained his allowance, birthday, and holiday savings that had been built up over years. Greenlight is marketed as a safe, parentcontrolled prepaid card for kids, with controls and alerts so parents can protect their childrens money. In reality, there were no meaningful safeguards that prevented or clearly flagged these recurring charges draining a minors entire balance, and I only discovered the pattern later when reviewing his transaction history more closely. After discovering the charges, I followed Greenlights dispute process, escalated the case, and spoke with what they described as their highestlevel support team. They acknowledged my sons age, the 65 transactions, and the {$850.00} total, and they did not dispute that no services were ever delivered. However, they refused to provide any refund or remedy, repeatedly saying that they could not do anything because their policy only allows disputes within 60 days of each transaction. This is not a routine late billing dispute by an adult cardholder. It involves a minorsfocused prepaid card product, a long series of recurring charges for undelivered services on a XXXX account, and Greenlights refusal to exercise any discretion beyond a rigid 60day window. I am asking the CFPB to review whether Greenlight and its issuing bank are meeting their obligations to protect consumersespecially minorson this prepaid card product, and to help secure a refund of the {$850.00} that was taken from my childs account without any value being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Victim of Data Security Breaches XXXX Data Breach XXXX The presence of the inaccuracy due to data breaches, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I defend that the information detailed below is fraudulent and constitutes identity theft. This false information is improperly associated with my SSN and is currently impacting my credit report maintained by credit agency. The fraudulent entry has severely affected my financial reputation and creditworthiness. I have contacted all Federal and State agencies to assist me regarding this matter. I will hire a lawyer due to violations. I stress that you have failed to provide a resolution in accordance with my rights. Fraud Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX {$30000.00} : Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX # XXXX : Bal {$720.00} : Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX : XXXX {$250.00} : Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX {$250.00} : Opened : XX/XX/XXXX I stress that your agency has failed to provide a resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the FCRA ) I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent over the last year and informed your agency but the issue still transpiring.

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 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Spring Oak Capital for committing identity theft. I have never given Spring Oak Capital any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation therefor Spring Oak Capital committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Spring Oak Capital can not provide me with proof such as a signed agreement between me and Spring Oak Capital giving them permission to work with me regarding any debt they believe that I owe or tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Spring Oak Capital can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Spring Oak Capital continues its collection efforts, I will file for litigation for actual damages caused and Spring Oak Capital will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: CA

Complaint narrative:
Company : CarMax Auto Finance XXXX # : XXXX Issue : Failure to process insurance payment / failure to communicate with insurer Over the past XXXX months, my insurance company ( XXXX XXXX XXXX XXXX has mailed multiple checks to CarMax Auto Finance as part of a total loss settlement. CarMax Auto Finance has repeatedly claimed these payments have not been received or deposited, yet has taken no action to investigate or resolve the issue. Despite multiple contacts with CarMax Auto Finance, no representative has made any attempt to contact XXXX XXXX XXXX directly to trace or reconcile the missing payments. I have been given no escalation path, no case number, and no timeline for resolution. The loan remains open and unresolved while CarMax Auto Finance continues to be unresponsive. What I want : CarMax Auto Finance to immediately contact XXXX XXXX XXXX to reconcile all payments sent, confirm receipt, apply the settlement funds to my account, and provide written confirmation that my loan # XXXX is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-06-02 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: WA

Complaint narrative:
I paid off XXXX Paypal credit cards linked XXXX my Paypal account. I then attempted XXXX close the Paypal account itself. Paypal states on their website, XXXX when I talked XXXX a customer " service '' person, that I can not close the account because there is a pending transaction. The pending transaction is a demand that I upload either my driver 's license, passport or some other form of government ID. They have had the account blocked for over a year because I refuse XXXX upload any such id. Their justification is that I am a business using Paypal, which is patentably false. I am a working stiff like most Americans. When I spoke XXXX a representative on the phone, the person stated that the best he could do is not allow me XXXX ever use the account again, but Paypal will not close the actual account. I then tried XXXX use their data erasing feature XXXX get around their dodgy demands XXXX received an email stating that they would not erase my data because of a pending transaction, which is the demand for a copy of my driver 's license or passport. This attempt at forcing me XXXX upload sensitive government documents is repugnant XXXX needs XXXX be brought XXXX heel.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: LA

Complaint narrative:
Jefferson capital llc XXXX {$100.00}, Jefferson capital llc XXXX {$100.00}, Jefferson capital llc XXXX {$150.00}, Jefferson capital llc XXXX XXXX XXXX collections XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Jefferson capital LLC XXXX, family choice financial XX/XX/XXXX unauthorized inquiry XXXX XXXX XXXX XXXX XXXX unauthorized inquiry, XXXX XXXX financial unauthorized inquiry XX/XX/XXXX XXXX XXXX XXXX financial XX/XX/XXXX, XXXX XXXX financial unauthorized inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX {$470.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kramer & Frank, P.C.
State: AR

Complaint narrative:
This account is the wrong amount, I did not get any court day that I said I was, also this account is to old to be getting sued for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One, N.A., successor by merger to XXXX XXXX, filed two civil collection lawsuits against me in XXXX XXXX, Indiana ( Case XXXX. XXXX and XXXX ) seeking to collect alleged balances of {$11000.00} and {$10000.00} respectively. Both cases are now compelled to XXXX arbitration. Capital One has engaged in the following improper conduct : ( 1 ) Filed suit without providing pre-suit notice as required under the XXXX Cardmember Agreement; ( 2 ) Claimed inflated balances that I dispute and that Capital One has refused to verify with documentation ; ( 3 ) Failed to respond to Requests for Admission served XX/XX/year>, resulting in 19 matters being deemed admitted by operation of Indiana Trial Rule 36 ( A ), including admissions that Capital One lacks standing to sue and that the claimed balance is inaccurate ; ( 4 ) Through its collection counsel XXXX, XXXX XXXX XXXXXXXX, filed motions in violation of court-ordered arbitration stays ; ( 5 ) Through its collection counsel, submitted a proposed court order containing a fabricated filing date to the court ; ( 6 ) Failed to make any written settlement offer despite active arbitration proceedings and formal Section 10 Claim Notices served XX/XX/year>. I am requesting that Capital One : ( 1 ) forgive both account balances in full ; ( 2 ) dismiss both lawsuits with prejudice ; ( 3 ) delete all negative credit reporting related to both accounts; and ( 4 ) cease all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I received a settlement offer I was unable to honor as I ended up sick and hurt and away from work. They sent an offer and expected the full amount up front if accepted. I requested a new settlement offer and asked could it at least be split into two payments for hardship. I was told no by the customer service. And now due to my physical hardship of not working they keep reporting late payments to my credit report and late fees. They also wont accept my credit protection application. Can the late fees be removed and a new offer please sent so I can close this account. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patient Accounting Service Center
State: NY

Complaint narrative:
My account with XXXX was set up on auto pay. I have been making payments automatically withdrawn on the XXXX starting in XXXX XXXX XXXX XXXX was the last payment, even though the account still had a balance. Per my bank, there are no card declines on my account. I had no reason to believe this auto pay stopped as it is an HSA card and not an account I regularly monitor. XXXX sent this account to collections with no communication to me. The collection company, ARSTRAT, does not answer the phone during business hours. I have wasted many hours trying to resolve this when I did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Seattle Service Bureau, Inc
State: IL

Complaint narrative:
My XXXX that has a bad transmission was parked at my cousins house, he moved it so he could make room for other cars.. he gave his neighbors {$500.00} and they also went thru insurance POLICE CAME, and they KNOW I was not the driver and this national service bureau lady was super rude telling me do u wan na listen or do u wan na talk

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) XXXX Vance and Huffman , LLC. My attached letter specifies the full list of records that must be provided to establish legal standing XXXX balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Vance and Huffman , LLC owns the debt, The purchase or assignment agreement, XXXX All prior notices, including the validation notice required under XXXX XXXX XXXX ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, XXXX subject XXXX regulatory review. Transparency XXXX legal verification are core consumer rights, XXXX I expect Vance and Huffman , LLC XXXX respond in full. In addition, XXXX protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy XXXX completeness of the account. As detailed in the attached letter, I have requested the following : The XXXX XXXX XXXX XXXX ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, XXXX The procedures used XXXX verify the account if previously disputed. Please respond XXXX each item identified in the attached dispute letter in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to MONTEREY COLLECTION SERVICES. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving MONTEREY COLLECTION SERVICES owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under 15 U.S.C. 1692g ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect MONTEREY COLLECTION SERVICES to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
LVNV Funding LLC, c/o Resurgent Capital Services XXXX XXXX, SC XXXX XXXX XXXX. This company has falsely reported me in debt collection to 3-credit bureaus on XXXX is XXXX XXXX XXXX for XXXX XXXX balance {$3900.00} XXXX XXXX program negotiated settlement w/ XXXX XXXX XXXX for XXXX card bal. my acct is not in collections Im making regular monthly pymts. In XXXX program since XX/XX/year>. LVNV Funding is proving false info on my credit record reducing my credit score. LVNV FundinXXXX is trying to double dip & collect debt money I h d already paid & is paying this is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Kentucky Housing Corporation
State: KY

Complaint narrative:
On XX/XX/XXXX i paid XXXX of my XXXX balance XXXX Kentucky Housing corporation. Online it would not allow me XXXX make the full payment including the change. on XX/XX/XXXX I reached out XXXX them via phone XXXX resolve the remaining XXXX cent balance which they transferred me several times during my lunch break where I ran out of time XXXX asked that they just send me an email on how XXXX take care of this. I received an email that afternoon with payoff instructions saying they needed certified funds for the XXXX cents plus interest a {$5.00} late fee XXXX {$46.00} XXXX file a release of XXXX. On this letter it stated due XX/XX/XXXX I mailed the money order XXXX them by XX/XX/XXXX for the full amount of the letter {$51.00} On XX/XX/XXXX I received a credit report ding for a delinquent payment on this account. When I called XXXX they advised that i was late on the XXXX XXXX XXXX payment. So there was nothing they could do XXXX told me XXXX report it through the credit bureaus. I believe if they would have allowed me XXXX make the payment on the website in XXXX all of this could have been avoided. I believe if there system would have allowed me XXXX make the FULL payment on the website in XXXX all of this could have been avoided. If they allow for payments XXXX be made online then that should include the change that's required in the monthly payment. I feel like this is a bait XXXX switch tactic in order XXXX charge consumers late fees because of there system error. I feel like they are acting in bad faith. I wonder how many other consumers they are forcing XXXX pay additional fees just because there system is erroring. I am extremely dissatisfied with the customer service provided XXXX me while just trying XXXX pay off this debt, they made it difficult, they were rude, XXXX now I am ultimately punished for trying XXXX do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
I purchased a new build last XXXX of XXXX. Taxes at that point was not assessed by the town that I live in till the summer of XXXX. The first and second quarter of XXXX the town did not bill the full value of my taxes. In the XXXX quarter, they billed a " catch up '' payment of XXXX. The XXXX quarter after that, my taxes were finally set correctly. Issue is that now in XXXX, the mortgage company is basing my taxes off XXXX which is incorrect. I spoke to 5 different escalation managers at Onity and even though they understand the issue, they are unable to correct my taxes. They want me to wait till mid summer until the town sends them a new bill for the second half of XXXX. Meanwhile, I'm paying an additional XXXX dollars a month since XXXX. Essentially they are assuming that in the XXXX quarter in XXXX they will get a bill for an addition XXXX. I spoke to them several times and even submitted my tax bill from the town that shows around XXXX each quarter. They are essentially billing me for an additional XXXX dollars a year and I have no choice but to pay it

Company response to consumer: Closed with explanation