vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I sent a " deposit '' to an individual that I believed to be a rental agent via Venmo for a rental unit in the XXXX area. This fraudulent account was acting as the following licensed professional realtor on XXXX : XXXX XXXX, who is the managing broker and founder of XXXX XXXX XXXX, located at XXXX XXXX XXXX, XXXX, IL. His official real estate license number ( or managing broker license number ) in the state of Illinois is XXXX. The " deposit '' was sent on XX/XX/year> at XXXXXXXX XXXX The " deposit '' was for {$700.00}. Once realizing it was a scam, the next morning I filed a report with the FTC ( Report XXXX : XXXX ). Then I contacted my bank to stop the transaction as it was still marked pending, and contacted both Venmo and XXXX about the fraudulent account. The XXXX request number for the fraud investigation is XXXX. I told Venmo that same morning to cancel the transaction via online chat, as it was fraudulent, and then requested they perform a fraud investigation via an online agent. Despite this, Venmo is now penalizing me for a fraudulent transaction that I had my bank terminate because it was fraudulent. I contacted the realtor being impersonated and informed him of this scam, as the phone number of the scammer did not match his own. After requesting the fully refundable deposit back, my request was denied despite the agreement that this deposit was refundable. I have discussed this with the XXXX police department as I live in XXXX currently ( Incident # : XXXX ) and was told to contact the XXXX Police Department since the rental unit falls within their jurisdiction. We are currently in the process of relocating to XXXX which is why we were seeking out rental units in the XXXX area. I discussed the incident with XXXX police and was able to have a police report created ( Report # : XXXX ). I will include all texts and other information associated with this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: MI

Complaint narrative:
Square is stealing money sent from a customer for my business on a what if basis for 90 days. Absolutely unacceptable and they will be sued if the funds are not released immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
I received an offer for a new total select credit card so I accepted the offer. They mailed me the card and II received an offer for a new total select credit card so I accepted the offer. They mailed me the card and I tried to set it up online and it would not allow me to set it up online. I called and asked them why I could not link the account. They said it just wasnt able to be linked and I said well then I dont want the card because I do everything online on apps on my phone I can pay my other Total credit card online. Why cant I not pay this one? I ended up getting charged {$75.00} and when I close the account because I could not use it I was told I was going to get a refund for it. The refund never showed up. I just called and they said that they were not going to give me back my {$75.00}. It was for an annual fee. I was never able to use the card and I want my {$75.00} I did not sign up to just give them {$75.00} to not be able to use the credit card and get charged so they could steal my money. It was for a total select credit card.

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 2026-06-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: RI

Complaint narrative:
I was called on my cell phone saying it was Sofi. The caller said my identity has been stolen and they needed to lock my account so it wouldn't be compromised. Like a complete XXXX I gave them my accounts information. About XXXX minutes later I noticed my saving account being drained and XXXX was taken out of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Army and Air Force Exchange Service
State: TN

Complaint narrative:
Army/Air Force Exchange Service ( AAFES ) is reporting a {$770.00} collection account on my XXXX, XXXX, and XXXX credit reports. This account became a collection in XX/XX/year>. I have never received written notification or debt validation from AAFES prior to this collection being placed on my credit reports. I dispute the accuracy, validity, and balance of this account and am requesting deletion from all three credit bureaus under FCRA 611 and FDCPA 1692g.

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 2026-06-01 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: Klarna AB
State: PR

Complaint narrative:
Hello, good afternoon. I am contacting you because Klarna made a purchase without my consent due to a system error ( bug ) on their part, for the amount of {$120.00} on XX/XX/XXXX. That same day, I noticed the charge and proceeded to cancel my card, thinking my account had been hacked. Then, on XX/XX/XXXX, I contacted them via chat to report the {$120.00} charge that I did not authorize, and they told me it was their error ( bug ) that affected several people. I clarified that the card on which the erroneous charge was made is no longer working, and I let them know that I added the new card and my bank account information to expedite the refund. Today, XX/XX/XXXX, after contacting them XXXX times, they tell me they are trying to refund the charge to the card that is no longer working, even though I had already told them twice that I no longer had that card in use. Then they told me they escalated it to a XXXX, and they still haven't contacted me. They refuse to refund my money, claiming it was their mistake, even though I have their messages acknowledging the problem. I don't know what else to do. I desperately need the money ; I live paycheck to paycheck, and it's been 25 days and they still haven't refunded me. I've spoken to XXXX different agents, and they all tell me the same thing : XXXX to XXXX hours, then to wait a few more days. They were quick to take my money ( which they mistakenly took ) but have no problem returning something that isn't theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: OH

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Personal Property Demand Notice Date : XX/XX/year> To : Credit Acceptance Corporation, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX XXXX Debtor Name : XXXX Vehicle : XXXX This is a formal demand for the immediate, unconditional release of all personal property contained within the XXXX repossessed XXXX XX/XX/XXXX, XXXX XX/XX/year>, a severe breach of peace occurred when the recovery agent hooked up the vehicle while I was actively sitting in the driver 's seat. A three-hour standoff ensued, requiring intervention from the XXXX XXXX XXXX XXXX XXXX XXXX ) .Under XXXX Statute 493.6118 , it is unlawful to withhold personal property. My personal belongings can not be held hostage for fees or loan balances, nor can I be forced to sign a liability waiver to retrieve them. I am demanding an immediate appointment to retrieve my property from the XXXX XXXXXXXX XXXX XXXX at no charge. If my property is not returned immediately, I will escalate this matter through the XXXX Department of Agriculture and Consumer Services ( XXXX ) and consumer protection counsel. XXXX REPORT NUMBER XXXX officer XXXX 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 2026-06-01 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
This erroneous debt was first attempted to be collected by XXXX XXXX XXXX ( XXXX ) is XXXX of XXXX This is not my bill, I've never been to XXXX nor took out any loans from them. I had to work with the XXXX and CFPB to get XXXX to remove this as a debt because it was never owed by me. Now it seems TRANSWORLD SYSTEMS is doing the exact same thing. TRANSWORLD has not sent ANY postal documentation related to this debt. However, this supposed debt is the same {$1800.00}. This is not my charge and I have never received the actual loan application with my SSN on it. All I have received is some type of statement with nothing to back up the bill ( which again I never owed or took out ). For whatever reason, these collection companies are just moving these bogus debt collections around. They way these companies attempt to collect these bogus charges are bordering on harassment as I should not have to keep challenging this erroneous debt. I will attach a few letters which were sent to XXXX. If you need additional information, let me know.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had 2 different XXXXXXXX XXXX XXXXXXXX XXXX Credit cards. In XX/XX/XXXX, they were transferred to Citibank to be turned into Citibank XXXX XXXX credit cards. But when they were transferred, Citibank immediately closed both cards and shut down any account I had with Citibank. Previously prior to XXXX ( approx. ) I had 2 Citibank XXXX XXXX credit cards as well. But around XXXX or XXXX they were both closed and Citibank shut down all accounts. I have never been nor am I seeking Bankruptcy. I have never committed any financial crime or fraud in any way. As of the writing of this, almost all of my cards are paid off. I have never defaulted on and credit obligations. I have asked Citibank why they have " debanked '' me and I was never given an answer. I have no understanding of why this is happening and I would like to continue to use Citibank 's services. 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 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NY

Complaint narrative:
On XX/XX/year>, FNBO contacted me via phone requesting signed copies of social security card, recent paystubs, and drivers license. In addition, documents were to be stamped and notarized. On XX/XX/year>, I sent notarized copies via email to FNBO. FNBO confirmed they were received. On XX/XX/year>, FNBO contacted me via phone to ask for an explanation for a XXXX XXXX State notary. I explained I was traveling for work and had it notarized in New York. On XX/XX/year>, I contacted FNBO via phone to ask for an update. FNBO informed me my account was closed for " High Risk Exposure '' and could not explain how my submitted documents or credit card activity demonstrated " High Risk Exposure ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This CFPB complaint is also a formal request for debt validation to Midland Credit Management under the Fair Debt Collection Practices Act ( FDCPA ) and a dispute of the accuracy and completeness of the account under the Fair Credit Reporting Act ( FCRA ). My attached letter outlines the documents required to lawfully validate the alleged debt, including the original signed agreement, proof of ownership or assignment, the purchase or transfer agreement, and a complete accounting of the balance. To assess the legal standing and enforceability of this debt, I have also requested the following : The Date of First Delinquency ( DOFD ), as recorded by the original creditor and used to determine default and charge-off status. The date the account was charged off. The date the account was acquired or assigned to Midland Credit Management, along with any documentation confirming the nature of the transfer. This submission is being made through the CFPB portal to ensure the request is properly documented, delivered, and subject to regulatory oversight. Please ensure that all items outlined in the attached letter are addressed in full including the full set of 10 FDCPA and FCRA validation and verification requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 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: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I made a purchase online with what I thought was XXXX, through PayPal. I had never used XXXX or PayPal before and assumed it was just how XXXX did business. When I received the receipt immediately by email, it said it was for some company with a bunch of XXXX characters. The transaction was done with my debit card so I immediately tried to contact my bank 's fraud department but they were not open ( XXXX Friday XXXXSaturday XXXX ). The next XXXX I went to my bank XXXX first thing and explained the whole situation and asked for the charge to be stopped and requested a new debit card. They took down all of the details, provided me with a new debit card, and told me I may be contacted for more information. While I was waiting for my bank to credit this back to my account, I tried contacting PayPal to get them to reverse the charge. ( I am going to file a separate complaint against PayPal ) They gave me the only info they had for the merchant which was an email address. ( I sent an email with no reply ) They admitted to me that this is probably a fraudulent charge but would not be able to help me unless I opened my own PayPal account. I asked what that entailed and they said I fill out an online application with my name, address, phone number, birthdate, social security number and driver 's license number. I asked them if they were insane. There was no way I was providing all of the info needed to rob me blind to a company that so willfully aided and abetted this fraudulent company steal my money. I said if they required half of the information from the merchants as they were demanding from me, we wouldn't have these issues. But it is obvious all they care about is transaction fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Date mailed : XX/XX/2026 RE : Investigation Request Under FCRA 609 Unable to Verify Accounts To Whom It May Concern : I am disputing the following account on my credit report as they are unable to be verified : Please provide documentation used to verify these accounts, including any signed contracts or agreements. If not verified within 30 days, they must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SERVICEMAC, LLC
State: SC

Complaint narrative:
I am a mortgage holder with ServiceMac. I am filing this complaint due to ServiceMaxs failure to maintain industry-standard security protocols for Personally Identifiable Information ( PII ) and their refusal to provide me with access to my monthly billing statements. ServiceMac has recently implemented a new web portal that requires users to enter their full, unencrypted Social Security Number and loan number. This data is transmitted without any evident hashing or encryption, creating a massive vulnerability for identity theft. Despite my repeated warnings to the company over the past month, no remediation has occurred. Furthermore, the company has refused to provide their XXXX XXXX or XXXX XXXX audit reports, which are necessary to verify their claims of a " secure '' environment. Because I can not safely use the portal, I am unable to view my monthly statements. When I requested that statements be mailed to me via traditional mail to ensure I can continue making accurate payments, ServiceMac refused, stating that mailings are only possible via portal login. ServiceMac is effectively holding my financial records hostage behind a security vulnerability that they refuse to fix, while simultaneously denying me the paper-based alternatives required to maintain my mortgage payments. This constitutes a failure in both data stewardship and consumer service.

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 2026-06-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was never late on the 2 paid off Bank of America accounts on my credit report. The late payments are invalid.

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 2026-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Garrison Investment Group
State: FL

Complaint narrative:
For the Second time, Foundation Finance Company has refused to accept me, that I am on social security as a senior citizen & only received my payments on the third week of the month ; which is normally on the XXXX of each month. I can't pay them until I get paid, unfortunately they don't provide even a ; grace period of at least XXXX days, thus allowing me time to get my social security check & properly mail it to them, which I might takes 3 to 5 days to be properly delivered. This company has a bad reputation, with numerous negative reviews & never though that such a company would act in such manner...?

Company response to consumer: Closed with explanation