vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XX/XX/year> Midland Credit Management Re : Debt Validation Request To Whom It May Concern, I am writing in response to your reporting of an alleged account on my credit report. I am formally requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA ). Please provide the following : - A copy of the original signed contract or agreement bearing my signature - Documentation showing you have legal ownership of this debt, including the full chain of assignment from the original creditor - A complete itemization of the alleged debt, including all fees, interest, and charges - Proof that you are licensed and authorized to collect in my state Please also note : If you can not provide the above documentation, you must cease all collection activity and reporting of this account to any credit reporting agency. Furthermore, if you continue to report this account without providing proper validation, I will have no choice but to file formal complaints with the Federal Trade Commission ( FTC ) for violations of federal law. All future communication regarding this matter must be in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Facilitation of criminal wire fraud and refusal to refund a verified FBI victim I am filing this complaint against PayPal for refusing to reverse transfers that were fraudulently induced by a federally indicted criminal enterprise. I used PayPal to transfer funds that I later discovered were part of a {$5.00} XXXX Ponzi scheme operated by XXXX XXXX and his unknowing accomplices including but not limited to XXXX XXXX and XXXX XXXX. XXXX XXXX was arrested on XX/XX/year>, by the Department of Justice and charged with multiple counts of Wire Fraud. I possess an official Victim Status Letter from the FBI XXXX XXXX, confirming that the funds transferred via PayPal were stolen as part of a criminal operation. PayPal 's internal dispute systems do not account for federally verified criminal fraud, and they are refusing to manually review the case or honor the FBI 's documentation. By refusing to reverse these transactions, PayPal is allowing a documented criminal enterprise to walk away with stolen funds while holding the victim entirely liable. I am requesting that regulators compel PayPal 's Executive Escalations team to review the attached FBI documentation and immediately reverse the fraudulent transfers.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX loan, XXXX, XXXX payback per month. XXXX was initial caller at XXXX. Told me her manager will call me he did. Started asking personal questions ss # bank info etc. I hung up. His number is XXXX. I called XXXX XXXX they are trustworthy now said that was most likely a scammer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IL

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, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I responded to an advertisement for a sports membership group promising exclusive access to games and premium tickets. I contacted the number listed in the ad via XXXX and was offered a membership package. I sent a total of {$500.00} via Chime XXXX XXXX in two separate transfers based on the seller 's representations about the membership and benefits. After sending both payments I received nothing no membership, no tickets, no confirmation, and no further response. The individual became unresponsive. Since filing my disputes, the scammer has deleted our XXXX conversation, blocked me, and the original advertisement is no longer findable. This further confirms the fraudulent nature of this transaction. I was deliberately deceived into sending money for a fraudulent product that does not exist. I filed two separate disputes with Chime for both transactions. My first dispute of {$300.00} was denied. I then contacted Chime via email to notify them I would be escalating to the CFPB. Chime responded directing me to call or use the app, with no resolution offered. I am requesting that Chime reverse both transactions totaling {$500.00} and investigate the recipient account for fraudulent activity. Dispute reference numbers : XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
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 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained tiefficiency mely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a I am writing to dispute the following inaccurate and unverifiable information on my credit report. This information is incorrect because it does not belong to me or it is outdated. I have attached copies of document and request letter to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this formal complaint against Wells Fargo regarding a promotional interest rate offer ( Code : XXXX ) for my XXXX XXXX account ending in XXXX. Despite meeting all " XXXX XXXX '' and balance requirements immediately, the bank has unfairly withheld approximately {$690.00} in interest for a XXXX period ( XX/XX/XXXX XX/XX/XXXX ). Timeline of Events and Evidence of System Failure : Account Opening & Funding : I opened the account on XX/XX/XXXX. By XX/XX/XXXX, my statements show I had already deposited over {$860000.00} in " XXXX XXXX '' via multiple wire transfers. Enrollment : On XX/XX/XXXX, I visited a branch and had a banker manually apply the promotional code XXXX to my account. Account XXXX : My average collected balance for XX/XX/XXXX was {$530000.00}. System Failure & Manual Intervention : The promotional rate of 3.44 % failed to apply automatically within the promised timeframe. I discovered this error in early XXXX and had to physically return to the branch to dispute the missing interest. Partial Correction : Only after my manual intervention did the bank issue a manual " Interest Adjustment '' of {$300.00} on XX/XX/XXXX. This proves the bank has the technical ability to correct interest manually, yet they chose to only cover the period starting XX/XX/XXXX. Rebuttal to the Banks Final Response ( XXXX # XXXX ) : XXXX. Administrative Delays Should Not Penalize Customers : The bank claims a " XXXX application period '' is required to activate the rate. This is an internal administrative timeline. A customer who provides over {$500000.00} in liquidity and meets all criteria on Day XXXX should not lose {$700.00} in interest because of the bank 's internal system lag. XXXX. False Claims Regarding Backdating : The bank 's letter states they " don't have the ability to backdate any rate. '' This is demonstrably false, as they successfully performed a manual " Interest Adjustment '' for the late XXXX period only after I caught their error and complained. XXXX. Rejection of " Term Extension '' as Compensation : The bank claims the rate is extended through XX/XX/XXXX. I categorically reject this as a resolution. There is no guarantee that I will maintain a $ XXXX balance in late XXXX. A theoretical future extension does not compensate for the actual, liquid cash loss in XX/XX/XXXX. The time value of money dictates that interest earned during the peak balance period can not be replaced by a potential credit a year from now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Reliable Auto Finance, Inc.
State: OH

Complaint narrative:
On XX/XX/year>, I traveled XXXX miles to XXXX XXXX XXXX in XXXX, XXXX after being told I was approved at the XXXX XXXX for vehicle financing. I executed a written purchase and financing contract. The salesperson told me I could not take the vehicle that day due to a GPS tracker installation, and that they would call me XX/XX/XXXX for pickup. Instead, I received a credit denial letter from Reliable Auto Finance in XXXX. The dealership never contacted me, never offered alternative financing, and has not honored the executed contract. This is a classic 'yo-yo " spot delivery scheme, which XXXX courts and the Attorney General have recognized as a deceptive practice under the XXXX Consumer Sales Practices Act, O.R.C. 1345.02. I am seeking delivery of the vehicle under the contract terms, or full statutory damages, attorney 's fees, and compensation for detrimental reliance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was listed on the Deposit resolution on XX/XX/XXXX and a new resolution was added on XX/XX/XXXX. I was removed from account without my consent. Truist bank is denying me access to business documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: FL

Complaint narrative:
15 USC 1602 ( g ) ( 2 ) there was no evidence Of indebtedness, there was only an agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Opportunity Financial, LLC
State: OK

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 USC 1602 ( g ) ( 2 ) there was no evidence Of indebtedness, there was only an agreement provided. It is my understanding that because I was unable to make an uninformed decision, the agreement is void DELETE

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
I have refinanced my current mortgage with the same lender and after closing. Title company failed to pay home insurance premium that was supposed to be paid prior to the loan being opened. Insurance company cancelled the policy and it was because Title sent a check to a former insurance company that was not in the new loan nor had been disclosed about this company. Payment then was sent to correct insurance to reinstate policy and account that was just funded, went below minimum amount, making adjustments on escrow and making payments increase by {$300.00}. Contacted servicing multiple people and no assistance, was provided and was told changes were going be done and no changes had been made. I can contacted loan servicing and told that I was filing a complaint with the cfpb and then suddenly the issue was resolved and to wait 24 hours for changes to reflect in account. 1 week later no adjustments were made and I have to pay an extra {$300.00} into my payment because it was fixed after I was told it would be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
On XXXX i went to purchase a cash car from an online seller. The guy gave me his XXXX and the funds were sent. He advised he never received th payment, then stated it wasnt his XXXX. Wishing mins i contacted XXXX and my bank to dispute. XXXX advised to wait 14 days for refund. My bank then started a dispute with me as well. Ive called them multiple times and i get a different answer everytime. I need received the car nor the refund. The bank has advised multiple times a supervisor will call me and i still havent spoken to anyone. They told me if no response by XXXX by the merchant they can then process cause that will be 45 days. As of today they told me that is incorrect info.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX XXXX XXXX account was closed at PayPal and they have had the balance of {$1700.00} on hold for well over a year. PayPal refuses to release our funds to the XXXX bank account that we have used since opening the PayPal account. Federal tax returns, passports, etc. have been forwarded by both me and the other account holder, XXXX XXXX. We have uploaded over 20 documents, 10+ phone calls and multiple messages and NOT ONE SINGLE RESPONSE!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
XXXX ) conducted an escrow analysis projecting annual property taxes of {$1.00} against an actual XXXX XXXX XXXX tax obligation of {$2100.00}, a difference of {$2100.00}. This caused the monthly payment to inflate from approximately {$1700.00} to {$2100.00}, an increase of $ XXXX caused entirely by servicer error. The servicer received two HUD Partial Claim disbursements totaling {$49000.00}, {$15000.00} in XX/XX/XXXX and {$33000.00} in XX/XX/XXXX, and posted both as Unapplied Funds rather than applying them to cure arrears. Over {$7000.00} in lender-paid expenses were simultaneously extracted from the account. Foreclosure was referred to counsel on XX/XX/XXXX, nine days before the servicer confirmed the loss mitigation application was complete on XX/XX/XXXX, violating 12 C.F.R. 1024.41 ( g ). Foreclosure was filed XX/XX/XXXX while an active written Trial Period Plan expressly prohibiting foreclosure remained unrevoked. Three certified QWRs were submitted, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, none received substantive responses, violating 12 U.S.C. 2605. The servicers appointed notary refused to provide a copy of the executed Partial Claim instrument at signing. Foreclosure is now pending in XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX XXXX. XXXX. A motion to compel accounting and stay proceedings was filed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XXXX XX/XX/year> I requested a response and they said they closed it. They said they mailed me a letter but they didn't. I called them 3 times XX/XX/XXXX XXXX and XXXX to talk about payments after job loss just to make sure it wasn't closed. They verified it WAS NOT closed and they would refund me one late payment and I could keep it open and continue making payments to get back to normal. On XX/XX/XXXX I discovered it didn't have a balance so I wrote them online. They said they closed my account and mailed a letter and can not reopen. THEY LIED THEY DID NOT. They even have recorded calls from me calling them to verify I could continue keeping it open and paying on it. That's when I wrote you. They are still accepting payments also without telling me they closed this account. They took a lot of money from me and didn't tell me they closed it til the phone call on XX/XX/year> XXXX

Company response to consumer: Closed with monetary relief