vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am submitting a complaint regarding Discovers handling of my {$69.00} billing dispute for goods that were materially defective and not as represented. 

I purchased goods from XXXX XXXX. The items were rancid and unfit for consumption. I contacted the merchant directly, but failed to receive a response after several attempts. 

I filed a billing dispute with Discover in good faith. Discover promptly denied the dispute without due process. 

When inquired about the Discover investigation procedure, the only documentation submitted by the merchant to Discover was a copy of the purchase receipt, which does not address the substance of the complaint. 

XXXX ) I was informed that disputes involving quality are automatically categorized as inconvenience disputes and therefore denied. 

XXXX ) I was told the dispute was denied despite the merchant submitting no evidence addressing the defect, and Discover acknowledging the merchant 's evidence was invalid. 

XXXX ) Upon probing, the same Discover representative soon reversed that explanation and stated that supporting documentation must now require multiple XXXX testimonials, third-party inspection reports, submission of defective goods to Discover, and subpoenas. 

Under the Fair Credit Billing Act, creditors are required to conduct a reasonable investigation of billing disputes. The inconsistent explanations and the imposition of an unusually high evidentiary burden raise serious concerns about whether Discover applied a consistent and reasonable standard in reviewing my claim. 

I request : XXXX ) A formal review of how my dispute was handled, including the categorization of my claim as an inconvenience dispute. 
XXXX ) A written explanation of Discovers policy and evidentiary standards for billing disputes involving defective goods. 
XXXX ) Reversal of the {$69.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: NC

Complaint narrative:
On XX/XX/2025, PayPal permanently limited/deactivated my PayPal account and stopped providing services, preventing me from sending, receiving, or withdrawing funds. PayPals limitation notice stated they may hold remaining funds for up to 120 days to cover chargebacks/financial liabilities.

I later received PayPals written response to a state complaint ( dated XX/XX/2025 ) stating PayPal limited the account after a risk review. PayPal claimed ( 1 ) my account was used for cash advancing ( a restricted activity ) and ( 2 ) my account shares identifying information with another PayPal account that has limited access ( PayPal stated the shared information includes items such as name/phone/login and SSN ). PayPal cited its User Agreement, refused to restore access, and stated PayPal may hold balances for up to 180 days if needed. PayPal also stated that, as of the date of its response, my account did not hold a balance to be released, which conflicts with my understanding at/around the time the limitation occurred. This inconsistency ( 120 vs 180 days and whether funds exist ) has not been reconciled for me.

I dispute PayPals conclusions. I use PayPal for legitimate activity ( receiving payments for freelance services/legitimate sales and transferring funds to my own linked bank account ). I did not use PayPal for cash advances. I also have had older/unused PayPal accounts historically, including an older account created when I lived in XXXX, but I am not attempting to circumvent PayPal policies. If PayPals concern is account linkage/duplicates, I want a documented process to close/merge old accounts and re-verify compliance.

I repeatedly requested : the specific transactions PayPal claims are cash advancing ( date, amount, counterparty, and the reason for classification ), details on the alleged account linkage ( what matched and how to resolve/close duplicates ), and a full account reconciliation ( balance at limitation, any holds/chargebacks/reversals, current balance, and the exact release/withdrawal date/conditions ). 

PayPal has not provided transaction-level detail or a reconciliation, and has refused reinstatement. 

Requested resolution : Restore my account access ; or, if PayPal will not restore it, provide transaction-level evidence for the allegations, provide a complete balance/hold reconciliation and release timeline, and provide a clear process to resolve any duplicate/linked-account issue so I can remain compliant going forward.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
The borrower has a pending Borrower Defense to Repayment application with the U.S. Department of Education. While the Department is investigating the claim, the loan has been placed in administrative forbearance.

Despite this status, the loan servicer continues to send collection-related communications and appears to treat the account as past due. This includes debt validation notices and other correspondence that suggest payment is required.

Collection activity and adverse reporting during an active Department of Educationdirected forbearance are inappropriate and inconsistent with the borrowers current status. The servicers communications do not acknowledge the Borrower Defense forbearance or reflect that payments are not due during this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I am writing to formally demand that you immediately stop contacting me regarding the alleged debt you are attempting to collect. I dispute the validity of this debt, and I do not authorize any further calls, letters, emails, or other communication from your company. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, you are legally obligated to comply. Continuing to contact me or report this alleged debt after this notice would be considered a willful violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: Capio Partners, LLC
State: SC

Complaint narrative:
I've reached out to all companies listed below for a signed bill of sale and was told by all companies that they didn't have one on file. This company is violating my rights. They have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report recently. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s-2 ( a ), data furnishers are required to report only accurate and complete information. Reporting unverifiable or inaccurate data is a violation of federal law. 
XXXX XXXX {$80.00} XXXX  XXXX XXXX {$2900.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX {$240.00} XXXX {$530.00} XXXX XXXX XXXXXXXX {$13000.00} XXXX {$60.00} XXXX XXXX {$13000.00} XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX {$XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$450.00} XXXX XXXXXXXX {$380.00} XXXX {$1600.00} XXXX XXXX XXXX {$220.00} XXXX XXXXXXXX {$950.00} XXXX XXXX {$780.00} XXXX XXXXXXXX {$530.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: LA

Complaint narrative:
On XX/XX/year> I contacted Cooper Loans/Lakeview Loans to ask why I could not make payments online since XXXX, and since we just finished a forbearance period of XXXX  months, I told her we were ready to start paying our mortgage again. The representative said to bring the mortgage current we had to pay almost {$10000.00}. I said we can pay {$5000.00} and she said they could not accept that. She said we had until XX/XX/year> to pay the almost {$10000.00} and after that it would go up by the next months payment amount. On XX/XX/year> XXXX XXXX calls and informs me that our home had been put in foreclosure on XX/XX/year>. The representative I spoke with on XX/XX/year> never indicated were were about to be put in foreclosure. I told the representative on XX/XX/year> this. She told me that the full amount past due would need to be paid to reinstate the loan and she would put that request threw and we should receive that within XXXX business days. She also told me to fill out an application for mortgage assistance/modification and that would pause the foreclosure while the application was being processed. My husband called the company with some questions and at that time we were told that there was no record of me speaking with anyone on XX/XX/year> and that an estimate of the amount to reinstate the loan would be about $ XXXX and that the exact amount would be sent to us in about XXXX business days with directions in how to wire transfer the money. A while later my husband had some more questions and we called back and were told that the reinstatement amount would be around $ XXXX. The representative said that we should get that in about 3 days along with directions on how to wire transfer or we could overnight a cashier 's check. I am confused as to why we were not told when I spoke with the representative on XX/XX/year> that we were about to be put in foreclosure. She told me I had until XX/XX/year> to pay the approximate {$10000.00} to bring the loan current. It is also confusing that we are being told different things by different representatives. Being told that the reinstatement amount will be {$13000.00} is very different from the {$32000.00} we were told by the last representative we spoke to. We were not made aware of the foreclosure until XXXX days after it had been filed, per the representatives own words. I have looked through all the documents they posted to our online account and nothing says anything about foreclosure. The last document that was posted was a monthly statement for an amount of {$14000.00} due XX/XX/year>.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
Rocket Mortgage provided the address for sending an escrowonly payment to pay shortage. On XX/XX/year>, my {$2200.00} escrow payment was misapplied to principal and interest. On XX/XX/year> XXXXRocket Mortgage instructed to send an additional paper check in the amount of {$1500.00} marked ESCROW ONLY and that she would have the {$760.00} payment moved to escrow. XXXX XXXX XXXX tracking shows the check was delivered XX/XX/XXXX, but Rocket Mortgage has not applied the payment. When finally acknowledged, it too was also misapplied to principal and interest. 

Multiple agents gave conflicting information ; XXXX agent even stated the prior calls made were not documented. Promised corrections never occurred. My escrow balance remains short and inaccurate and risks an incorrect escrow analysis and higher monthly payments when the escrow analysis takes place on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: GA

Complaint narrative:
I was told by XXXX that I needed to send XXXX to make my account a business account but I was scammed. I had sent my money to an account that claimed to be XXXX through bitcoin on cashapp. XXXX originally provided a claim and refunded my funds but then they were suddenly taken from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Synchrony Bank Care Credit charged me {$1000.00} in interest XXXX XXXX I was making timely payments I had no warning this raise in interest was going occur I dont quite understand how the amount is compounded to my bill of {$1500.00}. Seems excessive. 
I can not pay my bill now as monthly payments have gone up. 
I have spoken to an online rep who said to call the XXXX line during business hours and they would make new arrangements. 
I was told I needed to make a {$900.00} payment for the interest charge to be removed. 
XXXX low income and I cant afford higher payments. 
These charges are from work done by XXXX XXXX who forced me into buying {$1200.00} gum peroxide treatments and failed to inform me that I could enroll in secondary XXXX XXXX XXXX which would have reduced my bill. Now I am stuck with this rising credit card bill with high interest I cant afford to pay.

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 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp closed my account and didnt provide a XXXX  enough reason for it and I contacted them but they dont have no one for me to speak to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MD

Complaint narrative:
I am a victim of identity theft that occurred in XXXX. I have repeatedly provided my servicer, Edfinancial Services, with conclusive evidence of this fraud, including a XXXX police report, an FTC Identity Theft Affidavit and the formal Federal Identity Theft Discharge form multiple times. Despite having this proof for XXXX years, Edfinancial has failed to discharge the fraudulent debt. 

Most recently, in XX/XX/XXXX, Edfinancial staff claimed the account was sent for a XXXX FCA review. XXXX This administrative delay is a stall tactic ; under the FCRA, a servicer must investigate and correct inaccuracies within XXXX  days. Furthermore, Edfinancial continues to report new delinquent marks on my credit file as recently as XXXX and XX/XX/XXXX for this fraudulent account. This ongoing reporting of known inaccurate data is a willful violation of the FCRA. I have already filed a rebuttal with the BBB and an application for an Identity Theft Passport with the Maryland Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital one is a company that's actually stealing from there customers an charging a late fee of XXXX ridiculous dollars I make my payments on time just for them to tell me the funds wasn't in the bank but I know my funds is in my account my bank actually verified they were in my account an Capital crooks XXXX actually took the funds out my account the following day an still added on a crooked fee of XXXX $ its beyond ridiculous how they operate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Kikoff Inc.
State: TX

Complaint narrative:
I used kikoff for months was charged XXXX dollars every month and when I signed up it was mentioned in the advertisement that I would get my money back at the end of the year but when I asked for it they mentioned my account wasnt eligible and couldnt explain

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I did not receive my settlement from Navient lawsuit. I was impacted and disregarded my mail that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: MA

Complaint narrative:
KIKOFF LENDING LLC ( Charge-Off {$45.00} ) Subject : Formal Dispute Demand for Full Ledger, Charge-Off Calculation, and Authentication To Whom It May Concern : I dispute this account in its entirety.

You are furnishing : Charge-off status Balance : {$45.00} Past due : {$30.00} Multiple delinquency indicators Produce the following : 1. Complete life-of-account ledger from account opening through charge-off, including all payments, fees, interest, adjustments, and reversals.

2. Detailed charge-off calculation worksheet explaining how the {$45.00} balance was determined and reconciled.

3. Exact Date of First Delinquency and supporting documentation.

4. Exact XXXX XXXX data fields being furnished, including : Account Status Payment Rating Current Balance Amount Past Due Compliance Condition Code 5. Electronic agreement authentication documentation, including : Complete agreement as presented at execution IP address Timestamp Identity verification method Full electronic audit trail If the balance can not be mathematically reconciled or the agreement can not be authenticated, continued reporting constitutes furnishing information without reasonable investigation. 

Delete the tradeline if full substantiation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Mercedes Benz Financial Services
State: CA

Complaint narrative:
I am submitting this complaint regarding Mercedes-Benz Financial Services USA LLC for continued reporting of a fraudulent auto account despite multiple identity theft notices, statutory disputes, and regulatory escalation. 

This account was opened through identity theft. I did not apply for, authorize, sign for, possess, insure, or receive any benefit from the vehicle associated with this account. 

TIMELINE OF EVENTS : XX/XX/XXXX I mailed my first written identity theft dispute to Mercedes-Benz Financial Services along with a valid FTC Identity Theft Report, proof of identity, and proof of residence. 
XX/XX/XXXX Mercedes-Benz Financial Services issued a denial stating they were unable to validate my identity theft claim but provided no factual evidence or supporting documentation. 
XX/XX/XXXX I sent a second formal dispute demanding disclosure under FCRA 609 ( e ), including copies of the original application, signatures relied upon, identity verification records, and investigative findings. 
XX/XX/XXXX Mercedes-Benz Financial Services again denied the claim and continued furnishing the account as valid without providing the requested documents. 
XX/XX/XXXX I mailed a third statutory notice rejecting their determination and reiterating my rights under FCRA 605B, 609 ( e ), and 623 ( a ) ( 6 ). Mercedes-Benz Financial Services did not provide the required records but continued updating the account on my credit reports.

As of today, Mercedes-Benz Financial Services continues reporting this account to XXXX XXXX XXXX XXXX  despite receiving a valid FTC Identity Theft Report. 

COMPLIANCE CONCERNS : Mercedes-Benz Financial Services appears to be violating multiple provisions of the Fair Credit Reporting Act, including : 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block identity-theft-related information after receiving a valid identity theft report.

15 U.S.C. 1681s-2 ( a ) ( 6 ) Furnishing information after notice that it may result from identity theft.

15 U.S.C. 1681g ( e ) ( FCRA 609 ( e ) ) Failure to provide requested account records and documentation relied upon in their investigation. 

Their denial letters rely primarily on an alleged internal investigation and a claim that a signature appears similar. A signature comparison alone does not establish lawful identity verification and does not satisfy a reasonable investigation under federal law. 

I have repeatedly requested the original application, identity verification records, delivery documentation, and investigative findings. Mercedes-Benz Financial Services has not provided these materials.

I am requesting regulatory assistance because Mercedes-Benz Financial Services continues furnishing disputed identity-theft-related information despite receiving multiple written notices and a valid FTC Identity Theft Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
This was placed on my report and I have no knowledge

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 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I am in the process of suing HSBC US, please maintain all the communications regarding this bank as it maybe subject to subpoenas. Once again HSBC has failed to process abd post y direct deposit from my employer on time causing me severe financial and emotional, needless to say, health issues to the point I ended Yo in XXXX  earlier today with XXXX XXXX XXXX. All medical documents are being documented and will be submitted to court. This is not the first time HSBC has failed to credit my account on a timely manner, EVERYONE IN OUR COMPANY HAS RECEIVED THEIR PAYCHECK EXCEPT me I have Recording after recording from incompetent HSBC customer service providing inaccurate information. They still have not released my direct deposit saying they don't even have it!

Company response to consumer: Closed with explanation