vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 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 supplemental info to the complaints : XXXX XXXX Portfolio Recovery Associates , LLC XXXX 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. 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. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: AL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: IN

Complaint narrative:
XXXX was taken out of my cash app on XX/XX/year> for online order, XXXX canceled the order but it says purchase completed on my cash app. XXXX sent email stating they never took funds and order was canceled and no product will be shipped, Cash App says they never received a refund, journeys said authorization hold was lifted, Cash App says they never got refund, I disputedcit twice getting denied both times I sent emai from XXXX and text messages that XXXX  sent XXXX to cash app still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NV

Complaint narrative:
I never got the money from the grants that were sent to me I had a {$30000.00} degree and they never added the grants now I owe XXXX from XXXX to XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED 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 2026-01-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Activehours
State: CA

Complaint narrative:
i was taken advantage of because i lacked financial literacy and this company had put me into debt and messed up my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Harpeth Financial Services, LLC
State: FL

Complaint narrative:
b'I received a bogus call from someone saying they are with Advance Financial XXXX XXXX XXXX, as a collection agency. Caller ID had listed as XXXX  XXXX Now there is a XXXX  XXXX, however I dont show XXXX  in Louisiana. ??Male said my full ssn over the phone and my full name. Said I got loan for about XXXX  ish. He said I was combative after questioning him and he said, "well we will just let Lee County handle this then" and hung up.  I called back and another male answered and he had my full mailing address, and he said it started off with $XXXX. He also hung up after I questioned him and I told him as well that I have no debt. I found the real Advance Financial called them and someone named XXXX said that is not them and they do not have on file, as they are loan company. I believe he said he was in Kentucky. Did someone steal my identity?? I tried calling the 3 credit agencies to report, but due to holiday no one availabl. I will be calling back again to check and report what\'s going on. This really sounds like something a hateful neighbor of mine that lives right behind me on XXXX  XXXX would do to keep harassing and bullying me, as he has been doing for so many years, however, I cannot be sure. Fact of the matter is, these people that called have full SSN, NAME AND ADDRESS! I reported to XXXX  County fraud dept.\nI only got answering machine, but left info.with fraud dept.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OK

Complaint narrative:
Cash App has held {$600.00} of my funds since XX/XX/year>, citing inability to verify my identity. I have submitted verification multiple times with no clear explanation, no resolution path, and no timeline for release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
Company : SoFi Bank, N.A. 
Issue : Unauthorized transactions/ Bank failed to refund fraud Complaint Text : I am filing this complaint against SoFi Bank for failure to properly investigate and reimburse unauthorized debit card transactions totaling {$1000.00}. 

I promptly reported the fraud, filed a police report, completed a fraud affidavit, and provided documentation proving I was not present at the merchant locations. Despite this, SoFi denied my dispute and later refused an appeal unless new evidence was provided, without identifying what evidence was missing. 

This appears to be a violation of the Electronic Fund Transfer Act ( 15 U.S.C. 1693 ), which requires banks to conduct reasonable investigations and protect consumers from unauthorized electronic transfers. 

As a result of SoFis actions, I experienced significant financial hardship and loss of access to essential funds. I am requesting immediate reimbursement of {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Atlanticus Services Corporation
State: MS

Complaint narrative:
I opened an credit with XXXX for security equipment. The credit line is through XXXX. I paid of my line credit with XXXX. XXXX  is still charging me they claim to have sent me a email saying they are up grading my line of credit. I never authorize the credit i didn't know for awhile of this credit. I called XXXX and the receptionist said they are no longer charging me my equipment is paid for. The only payment XXXX is appliing to my account is the monthly service fee. So I contacted XXXX that when I told they upgraded my credit for {$1500.00} more and that they didn't need my authorization. To be take money for my account for a credit i didnt apply for every month is theft. I told them to close the account and I never used the credit. I want my money back because for filled my contract with XXXX and Fortiva. I still paying since 2023 to Fortiva for a line of " upgraded " I never wanted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding Coinbases prolonged restriction of my personal account and their failure to provide access to my digital assets. 

My Coinbase account has been restricted since at least XX/XX/year>. Despite extensive efforts to resolve the issue, including more than sixteen separate support cases and repeated submissions of requested identity and verification documentation, Coinbase has failed to restore access, provide a meaningful explanation, or offer a timeline for resolution. 

Coinbase repeatedly stated that the matter was escalated to an internal escalation team, yet no substantive response has been provided. In at least one instance, Coinbase committed to responding within 45 days following a formal complaint, but that deadline passed without any response or resolution.

I am not attempting to transact, trade, or withdraw funds to a bank account. I am simply attempting to transfer my lawfully owned cryptocurrency from Coinbase to my personal cold wallet. Coinbase support representatives explicitly instructed me not to add or change bank account information, and I complied with that instruction.

As of today : My assets remain locked No compliance deficiencies have been identified to me No timeline has been provided Customer support is effectively unresponsive This prolonged restriction, without explanation or due process, has caused significant financial harm and distress. I am requesting CFPB assistance to compel Coinbase to either : Restore access to my account so I may transfer my assets, or Provide a clear, written explanation for the continued restriction along with a firm resolution timeline.

I am prepared to provide documentation, case numbers, and correspondence upon request. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding serious mortgage servicing misconduct involving my VA-backed home loan. The issues described below have resulted in the permanent loss of VA loss mitigation eligibility due solely to servicer mismanagement, delay, and misrepresentation. 

Loan Information Loan Type : VA-Backed Mortgage Original Servicer : XXXX Current Servicer : Selene Finance Property : Primary Residence Summary of Complaint While actively engaged in a VA loss mitigation process under the XXXX program with XXXX, my mortgage was transferred to Selene Finance without continuity of the active application. Selene failed to obtain or honor the existing loss mitigation file, required unnecessary resubmission, and delayed VA submission until the final days of program availabilitythen submitted the application incorrectly. 

As a direct result, my VA XXXX application was flagged as incomplete and could not be corrected before the program sunset on XX/XX/year>. This permanently eliminated my eligibility for VA relief. 

Key Violations and Failures 1. Failure to transfer an active loss mitigation application during servicing transfer.

2. Unreasonable delays and repeated contradictory statements regarding application status. 
3. Negligent and incomplete submission of VA documentation on XX/XX/year>. 
4. False representation of the VAs stated reason for denial ( confirmed inaccurate by my VA representative ). 
5. Denial of VA hardship and unemployment forbearance despite documented eligibility.

6. Presentation of harmful trial payment plans that materially worsen loan affordability and conflict with VA servicing intent. 

Documented Harm Loss of VA XXXX eligibility due to servicer delay and error Increased risk of foreclosure Emotional and financial distress Loss of statutory protections afforded to VA borrowers I am prepared to provide documentation, correspondence records, and VA confirmations supporting all statements above. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: FL

Complaint narrative:
My XXXX  account was permanently limited without explanation. I have repeatedly contacted XXXX support over several weeks with no response. 

I currently have approximately {$10000.00} in cryptocurrency frozen on the account that I am unable to transfer or withdraw. XXXX has not provided any mechanism to release these funds. 

Additionally, my adult daughter is improperly attached to my account and can not be removed due to the suspension, preventing her from opening her own account. 

XXXX has failed to respond despite multiple escalation requests. I am requesting immediate review, release of funds, and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Towards the middle of XXXX I started receiving excessive phone calls in regards to accounts that I was not familiar with so I assumed that it was telemarketing and scam Finally one of the collection agents XXXX who was calling in regards to another credit card company left a threatening message on my voicemail prompted me answer her call the next time she reached out to me after we had a thorough conversation and both of us realized that this was identity theft charges was done in another state i've resigned and lived in the same city and state for over 40 years retired  in that same state The conversation led me to pull my credit report where I also noticed that there was and American Express negative account on my credit report I've never established an account with American Express never reached out to them or attempted to open up an account with them when I reached out to American Express because I did not have the name of the credit card or the account number outside of what was being reported on my credit report or the address or the telephone number that was used when the account was set up They would not escalate nor forward my call when they asked for my social they could not pull up an account I provided them the account number that was showing on my credit report and they stated that it would be a business account they forwarded me to the business department and once again because I did not have the account information the address that was used or could even give them a reference to recent charges They would not assist me after I have made it clear that my social was used to open this account this is a fraudulent account I was then told that they could not discuss anything with me in regards to the for privacy reasons because I was not able to validate the account and that they will send out a fraud packet to the address that's on file Needless to say I never received it and I have attempted to reach out to this company on two different occasions and still have gotten this matter resolved I have been a victim of two security breaches I have always had a one credit my credit score has always been seven hundreds which the explain to me that makes me a prime target now I have been notified that my information has recently been involved with the Social Security breach so it seems like this is a matter I'm gon na continuously be fighting because companies like these do not do their due diligence when they're establishing new accounts none of the information matched If you see my history for over 40 years has been in the same city and state or that my employment has been with the same company it just seems to me that there was red flags all over the place which it had to be because I never opened this account and obviously the address and charges is in a whole another state i've never left North Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
My Cash App account was compromised, resulting in XXXX transactions that I did not authorize, initiate, or benefit from : XXXX, XXXX {$260.00} XXXX XXXX XXXX XXXX XXXX {$98.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am filing this complaint against Midland Credit Management XXXX XXXX for illegally reporting an alleged collection account that I had no prior knowledge of and for failing to comply with federal debt validation and credit reporting laws. This account appeared on my credit report without any prior written notice, communication, or legally required validation, in direct violation of FDCPA 1692g ( a ). I do not recognize this alleged debt, I was never notified that it was being transferred, sold, or assigned to Midland, and I have never received a dunning letter, notice of rights, or opportunity to dispute before Midland began furnishing this account to the credit bureaus. Reporting a debt before providing notice is unlawful. After disputing the account, Midland has failed to provide proper validation and continues to report the account as accurate, which violates FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ). Proper validation of a debt requires far more than internal account notes or a generic statement of balance. Lawful validation includes : the original signed contract or application, complete payment history from the original creditor, itemized accounting of the alleged balance, proof of default, documentation of charge-off, and clear chain of title showing Midlands legal right to collect. Midland has provided none of this. Midland Credit Management has an extensive history of regulatory enforcement actions, consumer lawsuits, and settlements for deceptive collection practices, robo-signing affidavits, filing claims without documentation, and reporting unverified debtsfacts that are well-documented through CFPB enforcement actions and state attorney general lawsuits. Despite this history, Midland continues to report this account without proof, using the credit reporting system as a coercive collection tool. Furnishing an unverified debt while knowing it has not been properly validated constitutes false representation under FDCPA 1692e, unfair collection practices under 1692f, and inaccurate furnishing under FCRA and XXXX reporting standards, which require complete, consistent, and documented data. I have done extensive research and am fully aware of my rights under federal law. Midlands actions show a pattern of reckless and willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal Complaint No. XXXX I have contacted the Paypal Rewards Center several times as instructed explaining in detail that I have not received any rewards points as promised through the offers I select through PayPal but the issue is still not resolved. Noone ever contacts me back regarding it and I have uploaded screenshots of some of the offers I selected. Please help as I have spent countless hours on the phone with the representatives and am still awaiting a reconciliation. Some of the most recent recorded call dates are listed below : XX/XX/2025 XX/XX/2025 XX/XX/2025 XX/XX/2025 XX/XX/2025 Some of the virtual chat dates are listed below : XX/XX/2025 XX/XX/2025 XX/XX/2025 XX/XX/2025 XX/XX/2025 XX/XX/2025 XX/XX/2025

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: MO

Complaint narrative:
I am filing a complaint against Fortiva Retail Credit for billing and reporting charges for cosmetic services that were not rendered. 

I was charged for fillers and microneedling, that I did not receive. Fortiva instructed me to contact XXXX XXXX. XXXX XXXX informed me that their Missouri locations were bought out and they no longer handle Fortiva accounts or disputes. 

No party can provide a signed, itemized agreement or proof that all billed services were rendered. Despite this, Fortiva continues to report the balance as valid. 

This constitutes inaccurate billing and reporting under the Fair Credit Reporting Act and Fair Credit Billing Act. I am requesting that Fortiva delete this account from all consumer reporting agencies and cease collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief