vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This is additional info to previous complaints-Add on Portfolio Recovery Associates , LLC ( Portfolio ) is reporting a collection account related to a XXXX XXXX XXXX XXXX XXXX XXXX The underlying XXXX account was opened in XXXX and was later sold to Portfolio ( my records show sale in XXXX ). The original XXXX tradeline has since fallen off my credit report, but Portfolio continues to report a standalone collection. 

In XXXX, Portfolio reported this old account to XXXX as a newly reported derogatory collection ( showing a Date Reported in XXXX ). This constituted unlawful re-aging and/or unlawful reinsertion because it made an old delinquency appear new and caused fresh credit damage. I filed a CFPB complaint regarding this inaccurate reporting. 

After CFPB involvement, Portfolio changed the reporting date back to XXXX, confirming the prior XXXX reporting was inaccurate. However, Portfolio did not remove/delete the collection account and continues to report it to XXXX. Correction of the date alone does not remedy the harm caused by the prior inaccurate reporting and does not address the unlawful reinsertion issue. 

If this account had previously been removed from my file and later reinserted, reinsertion requires certification and consumer notice under FCRA 611 ( a ) ( 5 ) ( B ). I did not receive any reinsertion notice. Portfolio has also acknowledged in written correspondence that the debt is time-barred and unenforceable ( no lawsuit ), yet it continues to furnish this derogatory collection to XXXX. 

Additionally, I have been unable to complete an online dispute/verification process with XXXX due to repeated unable to verify identity errors, limiting my ability to dispute through XXXX online system. 

I am requesting deletion of the Portfolio collection entry from XXXX ( and any other bureau where it appears ), not merely a correction of dates. 

I request that Portfolio and XXXX provide the Date of First Delinquency ( DOFD ) being reported for this account and the estimated date of removal. The opened/placed date shown ( XX/XX/XXXX ) appears to reflect placement/purchase, not XXXX, and the tradeline continues to be updated ( Last reported XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: NJ

Complaint narrative:
Chime keeps letting people try to open accounts with my name, birthday and social security number. First it was a bank account and XXXX months later it was a credit card. They don't do a credit check. People are able to use an old phone number and my maiden name to open an account. Simple due diligence would show I haven't used my maiden name in over XXXX years. They are not taking steps to prevent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 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: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
I am filing a complaint against Planet Home Lending , LLC regarding unauthorized entry and removal of personal property from my occupied home in Georgia by a vendor hired by the lender. 

My home entered foreclosure without a sale date and was actively in a short sale process. I remained in lawful possession of the property, and it was not abandoned. Despite this, a vendor acting on behalf of Planet Home Lending entered my secured residence without my consent and removed my personal belongings. The home was secured with a keypad entry code and a keyed lock. XXXX insecticide cans were left throughout the residence, confirming vendor activity. 

I initially reported this incident to Planet Home Lending on XX/XX/year>, immediately after discovering the loss. At Planet Home Lendings request, I provided a detailed list of missing items and submitted a police report. I have cooperated fully and in good faith since that time. 

Planet Home Lending has delayed resolution, stating they are waiting on a vendor statement and refusing to provide vendor identification or insurance information. Planet Home Lending is responsible for the actions of its vendor. 

I am requesting that Planet Home Lending : Identify the vendor involved Provide the vendors insurance and claim information Compensate me for my missing personal property Provide a written resolution timeline I am requesting CFPB assistance to require Planet Home Lending to resolve this matter. I have attached the screenshot showing when the items list was sent, police report, and also my demand letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
PayPal & XXXX I tried to dispute this charge I got in XX/XX/XXXX with the company AND with PayPal prior to filing this dispute. In XX/XX/XXXX I purchased a XXXX month trial ONLY of an online access to XXXX workout programs for {$29.00} using my PayPal account. The charge came through as expected from XXXX XXXX That was the only authorized charge. However, that company charged me {$59.00} in XX/XX/XXXX- which I disputed directly through them and with PayPal. Neither would refund even though I never once used this online website subscription during the XXXX months I prepaid. I DID NOT click to sign up after the trial. I only wanted the XXXX month trial which I paid in full upfront. Well, after disputing back in XX/XX/XXXX with no refund from the company or PayPal - I was at lease assured it was cancelled and I would have no further charges. THEN that online company XXXX XXXX charged me a third time- {$19.00} this time in XX/XX/XXXX ( a year and a month later!!! ). I disputed the validity of the charge from over a year prior, was not refunded but was told it was canceled now ( even though I never agreed to that additional charge if {$59.00}. This new charge is not authorized and neither was the XXXX in XX/XX/XXXX. I want both refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am filing this complaint against Synchrony Bank regarding Account Number ending in XXXX. I have a perfect history of on-time payments, and as of XX/XX/XXXX, I have paid the original principal balance of this purchase in full. 

Despite fulfilling the original purchase amount, I have been hit with a retroactive deferred interest charge of {$1100.00}. I am disputing this charge for the following reason : Deceptive and Obscured Communication : I utilize automated payments for this account. Because my payments are automated, I rely on Synchronys email subject lines to alert me to any urgent action required. Synchrony failed to provide a clear warning that my promotional period was ending ; instead, they sent emails with generic subject lines ( e.g., " Your statement is ready '' ) that were indistinguishable from my routine monthly auto-pay confirmations. 

This design effectively hides the expiration notice from customers who use the very automated tools Synchrony encourages. I have already paid the principal balance in good faith. I am now requesting that Synchrony Bank waive the remaining retroactive interest charge and close this matter, reflecting my status as a responsible customer who was misled by inadequate notification. 

I attempted to resolve this directly with Synchrony on XX/XX/XXXX by calling XXXX. I spoke with a representative who informed me they did not have the authority to waive the interest, despite my history of on-time payments and the fact that I had already settled the principal balance. I also spoke with a Supervisor who advised me of the same.

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 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: CA

Complaint narrative:
I went to XXXX  in XXXX and got out in XXXX I tried to reopen my account and have been unable to Ive provided all the correct information and verification needed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Branch Messenger, Inc.
State: TX

Complaint narrative:
I use an Uber Pro Card ( a prepaid payroll-style debit card issued by Branch Messenger , Inc. ) to receive my work earnings. 
In late XX/XX/XXXX/ early XX/XX/XXXX, XXXX XXXX XXXX XXXX placed a pre-authorization related to a vehicle rental. After the rental ended, I revoked payment authorization in writing. 
Despite the revocation and after the rental had ended, XXXX later captured the pre-authorization and removed approximately {$2200.00} from my Uber Pro Card. The final receipt from the merchant showed {$0.00} due, yet the funds were still taken. 
This capture caused my prepaid card balance to go negative by approximately {$2000.00}, leaving me without access to funds needed for gas and transportation to work. 
I promptly filed a dispute with Branch, explaining that the capture occurred after authorization was revoked and after the rental ended. I requested clarification, review of the timing of the capture, and temporary or provisional credit due to financial hardship. 
Branch denied the dispute without adequately addressing the timing of the capture or providing meaningful explanation of the merchant documentation relied upon. Phone support was unreachable, and no temporary credit was provided. 
I am submitting this complaint because the card issuer failed to properly resolve a dispute involving an unauthorized post-revocation transaction and did not provide adequate dispute handling or relief under Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX, XXXX XXXX XXXX Co XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Cease and Desist Notice - FDCPA Violations/ Account No : XXXX To Whom It May Concern, I am writing to formally notify you that, under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), you are to cease all communication with me regarding the alleged debt referenced above. This includes, but is not limited to : * Phone calls ( cell, work, or home ) * Text messages * Emails * Letters * Contacting my employer, family, or any third party If you believe you have the legal right to pursue this matter, you may only contact me once, and only in writing, to inform me of XXXX of the following : XXXX. That you are ending all collection efforts ; XXXX. That you may pursue specific legal remedies ; or XXXX. That you intend to pursue specific legal remedies. Any further communication beyond what is permitted by law will be considered a violation of the FDCPA, and I will not hesitate to document the harassment and report your actions to : * The Consumer Financial Protection Bureau ( CFPB ) * My State Attorney General 's Office * The Federal Trade Commission ( FTC ) * Please note that this letter is not an acknowledgment of the debt, nor a refusal to pay. It is solely a request to cease all communication per federal law. * Thank you for your prompt attention to this matter. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: NC

Complaint narrative:
Hello, i attended XXXX in XXXX and took out student loans ( at that time is was XXXX XXXX, then XXXX and now Nelnet ) but after calling the school a year ago asking for my transcripts i found out that it was a fraudulent university. In XXXX, the institution changed its name to the XXXX XXXX XXXX XXXX and XXXX ( XXXX ). From XX/XX/XXXX until XX/XX/XXXX, there was a second XXXX campus location in XXXX. In XX/XX/XXXX, the institution was renamed XXXX XXXX and the campus closed in XX/XX/XXXX. I started having conversations with XXXX about this fraud and keep telling now Nelnet but they are ignoring me. I know in fact that many other students filed a lawsuit and the student loans ( private and federal ) have been completely XXXX out. Basically i have been paying for something that does not even exist. I have no idea where to go and what to do and thought you might be able to able or to give more insights. Thank you!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: GA

Complaint narrative:
I have over {$10000.00} on my card for child support XXXX cant pay my daughters medical bill because the money wont transfer to my account, its declining in the billing office. Its declining at stores .. my money is literally stuck on this card and my daughter just had XXXX XXXX XXXX cant even get her medication from the pharmacy. Customer either wont answer or they tell you to change your pin and hang up on you. I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently opened an account with Citibank in late XX/XX/year>, but quickly regret it. This company is INCREDIBLY UNPROFESSIONAL. The phone customer service is completely horrible, easily amognst the worst in the business. 

After making a cash deposit at a XXXX XXXX, New York Citibank ATM location. The {$450.00} cash deposit I made to the ATM was NOT accredited to my account. The ATM then refuse to return my cash deposit while the payment did NOT reflect in. your account. 

I made XXXX formal complaints with the Disputes department, Wanted a month plus, all for both claims to be denied. The first claim was made in XXXX, the second in XXXX. After talking to a supervisor, I'm then told the claims were denied due TO THE BANKS ERRORS OF HAVING THE WRONG ATM NUMBER ON THE CLAIM. IN XXXX This is AFTER I've made MULTIPLE calls and complaints to the disputes department, and provided countless ACCURATE information to agents and reps. During this time I've received deposits that I do not have access to and my account has remained in negative balance during the duration of this time. All because of MULTIPLE errors on the banks behalf. 

This type negligence is absolutely a disgrace of the Citibank branding and reputation and must be corrected, while having individuals held responsible. This blatant error and cavalier behavior can not go unjust.

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 2026-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
I have Amegy bank XXXX and XXXX market account. I tried to schedule XXXX transfers to my external XXXX bank account for XXXX XXXX. First XXXX gave error ( Daily ACH limit exceeded without specifying how much is the limit ) so I talked to customer service they stated that it is $ XXXX per day. So i tried to have $ XXXX per day. But only the very first is done but others are failing.

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 2026-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: NY

Complaint narrative:
Mohela/XXXX Illegally added to my XXXX report false information. I do not owe them over XXXX. The loan was from XXXX for {$1000.00}. I only owed {$400.00} because I paid {$600.00} back in XXXX. They continue to post this on my report illegally. I attempted to call the school and they are permanently closed. No original paperwork provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I received an email from PayPal notifying me that my account ( XXXX ) had been permanently deactivated. 

On XXXX XXXX, XXXX, I sent the following email to XXXX and XXXX : To Whom It May Concern, I am writing to file a formal complaint regarding the permanent deactivation of my PayPal account. I have reviewed the PayPal User Agreement and Acceptable Use Policy, and I firmly state that there is no valid justification for this action. My account has always been used lawfully, transparently, and in full compliance with XXXX rules. 

Despite this, I received a generic notification stating that my account was permanently limited without any specific explanation, evidence, or reference to an actual policy violation. This lack of clarity prevents me from understanding the reason for the decision and contradicts the principles of fair treatment and transparency that PayPal claims to uphold. 

I respectfully request : XXXX. A complete written explanation detailing the exact reason for the permanent deactivation. 
XXXX. A full human review of my account by a qualified XXXX, not an automated system. 
XXXX. Reinstatement of my account, as there is no factual or contractual basis for the limitation. 
4. Immediate release of any held funds, if applicable, as there is no legitimate risk or violation to justify withholding them. 

I have complied with all identity verification requirements and have not engaged in any prohibited activities. Therefore, I expect a clear, specific, and evidencebased response rather than a template message. 

Please confirm receipt of this complaint and provide a timely resolution. 

Sincerely, XXXX XXXX Email Associated With the Account : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: SC

Complaint narrative:
Cash App was hacked and over XXXX dollars was taken out of my account. Tried to access cashapp help desk and there was no one to contact.

Company response to consumer: Closed with explanation