vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
XXXX XXXX XXXX purchased my Barclays XXXX XXXX XXXX account ending XXXX which was charged off and sold on XX/XX/XXXX for XXXX. Barclays confirmed this sale in a letter dated XX/XX/XXXX. XXXX XXXX XXXX has not provided complete debt validation including original signed cardholder agreement complete payment history and documentation of the chain of ownership from Barclays to XXXX XXXX XXXX. I have not received any communication from XXXX XXXX XXXX validating this debt. This account may be reporting on my credit bureaus without proper validation documentation. This violates 15 USC 1692g requiring complete debt validation upon request 15 USC 1692e prohibiting false representations and 15 USC 1692f prohibiting unfair collection practices. I demand complete debt validation or immediate deletion of this account from all three credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I am filing this formal complaint against PayPal for mishandling my dispute, engaging in delay tactics, and failing to follow its own XXXX XXXX policies in good faith. I initiated a dispute on XX/XX/year>, after canceling an order within minutes of placing it. Despite acting promptly and providing all required documentation, PayPal has repeatedly changed the dispute type without my consent, which has reset internal timelines and significantly delayed the resolution of my claim. This conduct is unacceptable and appears to be a deliberate tactic that benefits the seller while withholding my funds. The seller has failed to provide any valid proof of delivery, tracking information, or response. Under PayPal XXXX XXXX, this alone should result in a decision in my favor. However, PayPal continues to delay the case under the pretense of waiting for the seller, despite the sellers lack of cooperation and failure to meet evidentiary requirements. XXXX actions have resulted in : Unreasonable delay of my refund Improper manipulation of dispute classification Failure to conduct a fair and timely investigation Financial harm due to funds being wrongfully withheld At this point, PayPal is not acting as a neutral dispute processor but instead enabling delay and obstructing resolution. I am requesting that the Consumer Financial Protection Bureau investigate this matter and require PayPal to : XXXX. Immediately issue a full refund for the disputed transaction XXXX. Provide a full explanation as to why the dispute type was changed multiple times without authorization XXXX. Confirm the internal policies governing dispute timelines and why they were not followed XXXX. Ensure corrective action is taken to prevent similar conduct toward other consumers If this matter is not resolved immediately, I am prepared to pursue additional remedies, including a chargeback through my financial institution and further legal action. I expect a prompt response and resolution to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Collections, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I filed a complaint regarding a collection account reported by Express Collections. On XX/XX/year>, Express Collections responded through the CFPB stating that the account had been closed, returned to the original creditor, and that a deletion request had been submitted to the credit bureaus. Despite this representation, as of XX/XX/year>, the account continues to be reported and continues to negatively impact my credit. Express Collections has not provided confirmation of deletion, documentation supporting continued reporting, or any explanation for why the account remains on my credit report after they represented that deletion would occur. This continued reporting is concerning because Express Collections acknowledged through the CFPB complaint process that the account should no longer be reported. Once a furnisher determines that information should be deleted, continued reporting raises serious concerns regarding accuracy and compliance with the Fair Credit Reporting Act. Specifically, continued reporting after agreeing to deletion may violate : * * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * * Furnishers must not report information known to be inaccurate * * * 15 U.S.C. 1681s-2 ( a ) ( 2 ) * * Furnishers must promptly correct and update inaccurate information * * * 15 U.S.C. 1681s-2 ( b ) * * Failure to conduct a reasonable investigation and properly update information after dispute * * * 15 U.S.C. 1681e ( b ) * * Failure to ensure maximum possible accuracy of reported information Additionally, Express Collections representation through the CFPB complaint process that deletion requests were submitted created a reasonable expectation that corrective action would occur promptly. Continued reporting after such representation may constitute inaccurate furnishing of information and failure to properly update consumer reporting agencies. This is particularly concerning because this matter has already been addressed through the CFPB complaint process, and the company represented that corrective action would be taken. The continued reporting suggests either that deletion was not properly requested, was not properly processed, or that Express Collections continues to furnish inaccurate information. I am submitting this complaint because Express Collections represented that deletion would occur, yet the account continues to be reported and continues to negatively impact my credit. Continued reporting after a CFPB resolution raises serious concerns regarding compliance with the Fair Credit Reporting Act and the accuracy of information being furnished to consumer reporting agencies.

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 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
I am submitting this complaint regarding a collection account reported on my credit file. I sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. The company failed to provide proper validation, including documentation proving I am legally responsible for the alleged debt. I then disputed this account with the credit bureau, and it was marked as verified without sufficient investigation or supporting documentation. Despite failing to validate the debt, the company continues to report this account. This is a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), as unverified and inaccurate information is being furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I sold a charm to this buyer for {$130.00} using PayPal goods and service on. Ive send a new, unused and authentic charm on XXXX XXXX, 2026. It was safely delivered. A month later. The buyer filed a chargeback to her bank saying the item she received wasnt what she expected. She never returned it to meXXXX and PayPal limiting my account permanently. I sent PayPal all the proofs of the charm I sent, tracking number and the convo between me and the buyer but PayPal told me that they have no control of it because she filed it through her bank. I asked PayPal what happened to the Buyer/Seller protection since it was made through goods and service. I have all the proof that what I sent was the same photos I took XXXX the buyer knew it. PayPal told me that my account was permanently limited so they can not help me awktj anything. They sided the buyer and refunded her even with all the evidence i sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: VA

Complaint narrative:
I got loan at westlake for XXXX interest rate. XXXX month for a car that XXXX XXXX value is XXXX. They sold to me for over XXXX. I put XXXX down and paid for over year. I tried to refinance and was approved by westlake but since that's who I already had they dont refinance their own loans. My car was repoed over year ago. Westlake called me XX/XX/XXXX at XXXX am. Offered me 5 pymts of XXXX. I accepted. They told me to call in XXXX and set up as I didnt have money that day. I called XX/XX/XXXX. They said it was sold to XXXX and XXXX. They never answer the phone. Ive been to court with them twice. They in fact sold car for XXXX and want me to pay over XXXX still. Last court date they did non suite . However westlake acts like they are not the same co yet westlake still reports on my credit a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. A credit card and a checking account were fraudulently opened in my name with Capital One without my knowledge or consent. I have never applied for, signed for, or received these accounts. These fraudulent accounts are now appearing on my credit report. Furthermore, unauthorized ACH withdrawals have been made from my personal bank account to pay for this fraudulent card. I am disputing the validity of these accounts in their entirety and the unauthorized charges used to pay for them. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
I sold some furniture today to a friend XX/XX/year> and she wanted to pay me the {$850.00} through XXXX and being it is through my bank I trusted it. When she put my phone number in which should have been a secure link to my XXXX in Regions, their system was breached which allowed the scammer to get my phone number and the amount that was being sent and send me a text where they could scam me. I got a text message that stated it was XXXX and I had {$850.00} waiting on me but my new account needed verifying. Long story short I was talked into sending money twice because they claimed they had to verify my account. I even had to call Regions and speak with a banker whom I told what was happening that someone was trying to send me money and XXXX was trying to verify my account a so the money the lady sent me would come through and XXXX needed him to release the funds and by golly he did just that instead of him saying that sounds like a scam he verifies my number so the scam can happen. Had it not been for the banker the transactiuions could not have been done. I feel Regions should have protected me more. How could a scammer get how much money was being sent to me and my phone number to text me. I want Regions to give me my money back or I will file a small claims suit to get it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CarMax, Inc.
State: FL

Complaint narrative:
We used a vehicle through Carmax in the XXXX of XXXX, and in the XXXX of XXXX we file for a bankruptcy and surrendered the vehicle in the bankruptcy. Its been over a year since that was discharged, and theyve yet to pick up the vehicle. Ive sent email correspondence to ask if they were gon na pick it up or if they would be willing to release the lien or be willing to sell it for a small amount. Theyve failed to respond and I still have the vehicle in my possession located at my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
In XX/XX/XXXX and XX/XX/XXXX, I entered into two closed-end motor vehicle lease agreements for a XXXX XXXX XXXX and a XXXX XXXX XXXX XXXX through two different XXXX dealerships XXXX both assigned to XXXX XXXX XXXX XXXX XXXX XXXX After reviewing both executed lease contracts, I identified multiple material disclosure issues that appear to violate Florida XXXX XXXX XXXX XXXX requirements ( XXXX XXXX, Florida Statutes ) and the federal Consumer Leasing Act ( Regulation M ). These issues include inconsistent or missing trade-in disclosures, incomplete or blank statutory Limited Right to Cancel disclosures, and incomplete itemization of capitalized costs and optional insurance products. In addition, one of the leases includes dealer-related fees that were not clearly or transparently disclosed at the time of signing. I raised these concerns directly with XXXX and requested a formal review of the disclosure discrepancies, written clarification, and consideration of rescission or correction of the lease agreements. XXXX denied my request for rescission, stating that there is no cooling-off period once a lease is signed and that they are not involved in dealership negotiations. They did not address the specific disclosure deficiencies identified and instead offered only early termination options that would require payment of a deficiency balance or early termination fees. Separately, I am also filing this complaint regarding the handling of voluntary protection products ( VPP ), including Extended Service Contracts ( VSA ), GAP insurance, and other optional add-on products associated with my lease accounts. I submitted formal written requests seeking cancellation of these products and a detailed accounting of each item, including original cost, remaining term, cancellation value, and pro-rated refund amounts to be credited toward my lease payoff balances. My requests included VINs, current mileage documentation for both vehicles, and a request for confirmation of any refundable deposits associated with the accounts, under Florida Statutes Section 634.121. The response I received did not address the cancellation requests directly. Instead, I was informed that the company is unable to cancel Voluntary Protection Products on my behalf and was directed to contact the originating dealer or product administrators. No confirmation of cancellation, refund calculations, or clear responsibility assignment was provided. Additionally, I have not received a complete and transparent breakdown of all protection products included in the lease agreements or clarity regarding how these products are administered within the lease structure. As a result, I am experiencing lack of transparency, unresolved disclosure concerns, conflicting instructions between parties, and delays in processing cancellation and refund requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I am filing a complaint regarding improper debt collection practices by Harris & Harris on behalf of the XXXX XXXX XXXX. I was contacted via text message regarding an alleged debt. I replied STOP to opt out of further communications. Despite this, several days later, the company sent additional text messages containing my personal debt information to a different phone number that is not associated with me. The messages sent to this third party included my full name, the balance owed ( {$100.00} ), account number, and license plate information. The individual they contacted is a family member, who is not on the account, not on the loan, and not associated with the debt in any way. This constitutes unauthorized third-party disclosure of my personal debt information and an attempt to circumvent my opt-out request by contacting another number. The phone number they used is not linked to my account, which raises serious concerns about how my personal information was obtained and shared. I am requesting that this matter be investigated, that all improper communication cease immediately, and that appropriate action be taken regarding these violations of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: TN

Complaint narrative:
Fraud occured on my account. We have three withdrawels on XX/XX/year> * {$200.00} * {$49000.00} * {$49000.00} The bank the funds were transfered to is XXXX Bank I have opened a fraud case with Sofi and they have not been able to provide much information other than they have opened a case. I asked if a wire recal was issued and they could not answer that simple question. Case with Sofi is XXXX. I would appreciate any assistance that can be provided. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding an inaccurate debt being reported and failure to properly investigate my dispute. I disputed this account on XX/XX/year>, due to incorrect balance reporting. As of XX/XX/year>, more than 30 days have passed, and the account remains on my credit report without proper correction or validation. The balance being reported is inaccurate because it does not include my {$770.00} security deposit. The itemized statement clearly shows that no deposit was applied to the account, which has resulted in an inflated balance of {$2600.00}. Additionally, supporting lease documentation reflects charges and concessions that further impact the accuracy of the reported balance. Despite my dispute, the company has failed to : Properly investigate the dispute within the required timeframe Provide adequate validation of the debt Correct the inaccurate balance being reported This failure to investigate and correct inaccurate information is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: TN

Complaint narrative:
I made purchase with XXXX. XXXX took the money and I sent all my information requested to chime. No dispute was made. XXXX sent emails saying Ill be refunded. XXXX gave all information saying it was refunded but chime keep giving me the run around. Today I called about my dispute and Chime employee was being very rude. I just want my refund so I can lose this account and never bank with chime again. Check the call history and listen to all calls including with Chime disrespectful employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Product : Checking or savings account Issue : Managing an account Company : Bank of America Related Case : CFPB Case # XXXX Complaint Text : This complaint is related to CFPB Case # XXXX. The banks response was incomplete and did not address the core issues. I am submitting a new complaint with supporting documents. In 2019, my father executed a Durable Power of Attorney naming all XXXX children as co-agents who must act together. Bank of America accepted a POA Addendum signed by only one person and did not apply the actual DPOA terms. In XXXX 2024, a new signature card was created adding that same person as a joint owner with rights of survivorship. This change removed the account from the estate and directly benefited the agent. The card does not reference the POA, does not include signatures from the other co-agents, and contradicts the DPOA restrictions. Medical records from XXXX show my father had severe XXXX, lived in a XXXX facility, and could not have appeared in a branch or signed documents. The signature on the 2024 card does not match his known signatures. The banks prior response did not address the POA conflict, the ownership change, the signature verification, or the capacity issue. I am requesting a full investigation into : How the POA was accepted Who authorized the 2024 ownership change Whether the signature was verified Whether my father had capacity at the time I am attaching the following documents : XXXX Durable Power of Attorney XXXX BOA POA Addendum XXXX Signature Card XXXX Medical Records Will ( XXXX ) Please confirm receipt and escalate this for full review. Sincerely, XXXX XXXX On behalf of XXXX XXXX XXXX, Executor of the Estate of XXXX XXXX XXXX XXXX, South Carolina XXXX XXXX Primary : XXXX Secondary : XXXX

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