vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Lueder Law Firm, LLC
State: GA

Complaint narrative:
I am a homeowner at XXXX XXXX XXXX XXXX XXXX XXXX. Lueder, Larkin & Hunter, LLC ( matter no. XXXX ) is collecting on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX . I have five specific complaints : 1. DEBT AMOUNT DISCREPANCY : On XX/XX/XXXX, the firm sent me a Verification of Debt stating I owed {$1500.00}. Their own internal Account Transaction Report, also dated XX/XX/XXXX, shows my balance as {$1000.00}. This is a {$440.00} overstatement of the debt in the verification document compared to their own records on the same date. 2. UNAUTHORIZED FEES MISLABELED : The firm charges {$27.00} per month labeled " Misc. Charges '' in documents sent to me, but their internal records call these " Collection Fee. '' The HOA 's governing documents ( Deed Book 5888, Page 129, XXXX XXXX, XXXX ; and Deed Book 6208, Pages 106-109 ) do not authorize any recurring monthly collection fee. These unauthorized charges total {$580.00} and were added to my lien balance. 3. INCONSISTENT FEE DESCRIPTIONS : A single charge is described three different ways across three documents : " Referral Fee '' ( {$220.00} ) internally, " {$120.00} monitoring fee '' in the payment plan letter, and " Misc. Charges '' in my account ledger. The amounts do not even match across documents. 4. FEES CHARGED FOR DEFECTIVE NOTICE : The firm charged me {$250.00} in attorney fees for a default notice that their own XX/XX/XXXX email admitted contained a factual error. The notice incorrectly cited a payment installment as unpaid when it had been received. 5. THREATENED FEES FOR DOCUMENT REQUEST : When I requested the HOA 's governing documents, the firm responded with a threatening letter stating attorney fees would be charged simply for responding to my inquiry. Under Georgia law ( O.C.G.A. 44-3-232 ), HOAs are required to provide governing documents upon request. I mailed a formal FDCPA debt validation and dispute letter to the firm on XX/XX/XXXX via certified mail. I am requesting that the CFPB require the firm to provide an accurate, verified accounting of my debt and explain the {$440.00} discrepancy between their own records.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This company is violating my rights they have not provided validation XXXX XXXX XXXX XXXX XXXX ( b ) ( XXXX ) yet they have placed a collection on my consumer report recently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened an account with transferring money from my XXXX XXXX XXXX XXXX to Citibank. With in a couple days they closed my account. Got a letter from them that they closed my account and they will send out my money in XXXX days. I should have received money money after ther new year. Called to see what is going on the lady I talked to said it should go out in a couple days. Called again and nobody would help me told me that they did not owe me any money. The bank absorbed my money. They need to send me my money I transferred. They took it out of my other account so they have XXXX money is for my retirement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: TX

Complaint narrative:
Not only is the balance different, they are reaching a XXXX thats not my name. IVE BEN ASKED TO HAVE THIS 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 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I am filing a complaint regarding XXXX failure to properly investigate and resolve a billing dispute involving recurring subscription charges processed through my PayPal account. Between approximately XX/XX/XXXX and early XXXX, I was charged recurring monthly fees of approximately {$110.00} and an additional {$97.00} by XXXX for a store that was originally created as a trial/test account. I did not knowingly or intentionally authorize this account to continue as a paid subscription. These charges accumulated to over {$1000.00} without my awareness. Upon discovering the issue, I immediately contacted XXXX. XXXX : Confirmed the account had remained active Issued at least XXXX refund Cancelled the subscription to prevent further charges Explicitly advised me to dispute the charges through PayPal Despite this, PayPal denied my claim by categorizing it as unauthorized use, which is incorrect. This is not a fraud case it is a billing error involving recurring charges without meaningful consumer consent. Under the Electronic Fund Transfer Act and Truth in Lending Act, consumers are protected from unauthorized or improperly authorized recurring electronic charges. Additionally, principles affirmed in XXXX XXXX XXXX XXXX emphasize that clear and informed consent is required for ongoing automated billing. PayPal failed to : Properly classify the dispute as a billing error Conduct a reasonable investigation based on merchant acknowledgment Provide a meaningful resolution despite evidence and partial merchant refund Requested Resolution : Reopen and properly investigate this case as a billing error Refund the recurring charges associated with this subscription Provide documentation explaining how consent to recurring billing was verified I have supporting documentation including : Shopify chat transcripts Proof of cancellation Transaction history

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I have been using Cash App to send money to friends and buy XXXX since XXXX at least. I had a debit card that was stolen, so it had to be cancelled. When I tried to put in a new method to purchase XXXX using my bank funds, I first tried to just add a secondary bank. I was told that bank account was banned from being used ( had no idea why ), so I quickly canceled and deleted that bank account, and instead just used my new debit card. The process to verify the new debit card was easy and I was able to purchase my bitcoin that night, XX/XX/XXXX. On XX/XX/XXXX I got an email from Cash App sent me a promotional email. But sometime between that and last night ( XX/XX/XXXX ) when I tried to get onto my account, my account as closed. I received no email explaining why. When i requested more assistance they told me to read XXXX, which isnt helpful at all. I did file an official appeal last night as well. I use Cash App a LOT in my business dealings, and I am absolutely mortified that Im being treated like a criminal. If this is all because I tried to use a secondary bank account that they had previously flagged, I can more than prove my identity and that Ive never broken any TOS. They leave consumers with no other recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business Processing Solutions, LLC
State: AZ

Complaint narrative:
b'I received a debt collection letter from Pioneer Credit Recovery, Inc. (initial contact letter postmarked XXXX. In response, I sent back a debt validation request via certified mail (postmarked XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX). In the time since my letter was sent, I have never received any requested documentation to provide validation of this debt. I response, I sent a Cease & Desist/Refusal to pay letter (postmarked XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX). Their failure to validate the debt and lack of communication is directly interfering with my ability to renew my passport and have my legal/identification documents returned. These documents include my two social security cards, my old passport, my most recent passport, a certified copy of my original birth certificate, my court ordered legal name change document, and a state ID. My application and my documents are being held at locator XXXX the Charleston Passport Agency.'

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 2026-03-26 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: TX

Complaint narrative:
I am disputing a debt that has been placed in collections. I do not believe this debt is accurate/valid.

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 2026-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC.
State: PA

Complaint narrative:
CFPB Feedback : Rejection of Company Response ( Case # XXXX ) Do you accept the company 's response? NO. Feedback/Rebuttal : I strongly reject Healthcare Finance Direct 's ( HFD ) claim that this matter is " resolved and closed. '' HFDs response is highly deceptive, omitting documented missing funds, bad-faith negotiation tactics, and severe internal record-keeping failures. While I acknowledge that the {$500.00} was finally confirmed during the XX/XX/year> conference call, XXXX is intentionally ignoring the remaining outstanding balance and their own contradictory documents. 1. Unresolved Missing Funds ( {$52.00} ) & Deceptive Record Keeping HFD is ignoring the official " Refund Down Payment '' email their own system issued to me on XX/XX/year>, which explicitly stated an additional refund of {$52.00} was processed. Furthermore, this official receipt stated the {$52.00} was directed to an account ending in XXXX. My verified XXXX account ends in XXXX. XXXX has refused to trace these misdirected funds or correct this banking error in their system. 2. Bad Faith Conduct & Call Termination During the conference call on XX/XX/year>, when I confronted HFD 's Senior Manager, XXXX XXXX, about the remaining {$52.00} missing refund, she verbally dismissed the formal written notice as a " mistake. '' When I pressed for a resolution, she claimed she could no longer help me and abruptly hung up the phone on me while I was actively seeking clarification. Hanging up on a consumer to avoid addressing a documented financial discrepancy is a severe violation of fair dispute resolution practices. 3. Refusal to Issue a Physical Check Because HFDs electronic XXXX system has proven completely unreliable and is linked to incorrect account numbers ( e.g., account " XXXX '' ), I requested a physical check for the remaining balance. HFD has refused to send a paper check to my mailing address at XXXX XXXX XXXX, XXXX, Pennsylvania XXXX in the name of XXXX XXXX or XXXX XXXX. Demands for Final Resolution : The CFPB must not allow HFD to close this case based on a partial resolution. I demand the following before this case can be considered closed : Immediate Issuance of Missing Funds : HFD must issue a physical paper check for the {$52.00} to the address and names listed above. Escalation to Executive Management : XXXX XXXX must be removed from my account due to her unprofessional conduct, and this case must be reassigned to a Director or Executive level supervisor. Certified Audit : HFD must provide a complete, line-by-line accounting audit of Plan # XXXX to prove no other overpayments have been concealed as " system mistakes. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-27 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: Klarna AB
State: MA

Complaint narrative:
I purchased a huupe interactive basketball system financed through Klarna. The merchant shipped a defective arcade stand component, making the product completely unusable. I reported the defect in writing to the merchant, returned the unit at their direction, and explicitly requested a refund not a replacement. Without my knowledge or consent, the merchant then shipped a replacement backboard to my address on XX/XX/XXXX. I never authorized this shipment and never agreed it would resolve my refund request. I filed a dispute with Klarna. In XX/XX/XXXX, Klarna closed the dispute in the merchant 's favor, stating that because a replacement was sent, my " problem is solved '' and I remain liable for the full {$630.00} balance. I have already paid {$110.00} toward this balance. Klarna 's decision is incorrect. A merchant can not ship an unsolicited replacement without consumer consent and claim a dispute is resolved. I never requested a replacement, never authorized the shipment, and never accepted it as resolution. Under federal law, unsolicited merchandise does not create a payment obligation. I am requesting a full refund of {$630.00} including the {$110.00} already paid, and cancellation of the remaining balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: AL

Complaint narrative:
I am writing to formally address an ongoing issue regarding the seizure of my federal tax refunds by the Army & Air Force Exchange Service ( AAFES ). Over the past several years, my tax refunds have been consistently intercepted and applied to an alleged debt owed to AAFES. While I am aware of the organization, I have no knowledge or record of any outstanding debt owed to them. I have made multiple requests for verification and documentation of this alleged debt, including proof of the original obligation, account details, and any supporting records. To date, I have not received any documentation or evidence validating the existence or legitimacy of this debt. Despite my repeated attempts to resolve this matter, my tax refunds continue to be seized without proper verification or communication. This has created an ongoing financial hardship and has prevented me from receiving funds to which I may be entitled.

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 2026-03-27 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: 21ST MORTGAGE CORP.
State: MS

Complaint narrative:
In XX/XX/XXXX, my mortgage loan with 21st Mortgage Corporation went through foreclosure. I vacated the property on XX/XX/XXXX, within the required 30-day timeframe. At the time of foreclosure, the remaining loan balance was approximately {$100000.00}. After the foreclosure, the property was later sold for approximately {$150000.00}. Nearly 11 months after the foreclosure, I received a notice from 21st Mortgage Corporation claiming that I still owe a deficiency balance of approximately {$35000.00}. However, I have not received any documentation explaining how this amount was calculated, especially given the difference between the foreclosure balance and the resale price. 21st mortgage remained the lein holder of this property through auction and resale of property. At Auction 21st mortgage was the only bid and bid {$72000.00} and sold the property for {$150000.00}, which this raises serious concerns of surplus funds. XXXX mortgage has gotten more than there fair share of this property. Not only did they get my family home, they also took the land that we had as collatoral. When speaking with 21st mortgage to try to understand why and how they were obtaining these numbers for the alleged deciancy, I was informed that the balance at the time of foreclosure was XXXX and that is grossly inaccurate. 21st Mortgage sent me my monthly statements and it has proved my stance even more. For instance a payment in XXXX of XXXX was not applied to the principle or to my monthly statement and it also states that the home was sold for XXXX on XX/XX/XXXX. I have proved those numbers to be inaccurate by documents provided by XXXX XXXX XXXX XXXX and land courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a Notice of Error under RESPA ( 12 CFR 1024.35 ) requesting information and correction regarding my mortgage loan. Specifically, I requested : A full and accurate payment history A breakdown of all amounts claimed due, including fees and advances Information regarding loss mitigation review and available options Copies of any notices of default or acceleration Clarification of how my loan was evaluated for assistance The servicer acknowledged receipt but has failed to provide a response within the required timeframe. It has now been over 60 days with no response. This loan is currently in foreclosure litigation, and the servicers failure to respond is impacting my ability to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Account with Fraud and identity theft reports with stolen Social Security Number

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 2026-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a debt validation request via certified mail to the collection agency. The letter was delivered and received. I requested full validation of the alleged debt, including the original signed contract, complete payment history, itemized charges, and proof of legal authority to collect. The company failed to respond within the required 30-day period. Despite this, the account continues to be reported and/or collected. This is a violation of the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), which requires the collector to cease collection activities until proper validation is provided. I am requesting immediate deletion of this account from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-27 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: IL

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agencies, remove information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, under the account number XXXX. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account, collection, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Inquiries consist of : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation