vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 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: Sensible Auto Lending, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: SC

Complaint narrative:
CDR GENESIS is falsely reporting on my credit. I have never had any accounts with them. Per my research CDR GENESIS 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 2026-06-09 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: FL

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding the repeated closure of my Cash App accounts without clear explanation or justification. My accounts on Cash App were suddenly closed without prior notice or a specific reason being provided. The only explanation I received was a general statement that I had allegedly violated the platforms terms of service, but no details were given regarding what actions or transactions supposedly led to this determination. I contacted customer support to dispute this issue and explained that I have used Cash App primarily for legitimate business purposes, through which I earned a significant portion of my income. I have not engaged in any fraudulent, abusive, or prohibited activity on the platform to my knowledge. Despite this, the decision to close my account was upheld, and I was not given any meaningful opportunity to resolve or clarify the matter. Additionally, I am now experiencing ongoing issues where any attempt to create a new account results in immediate closure after I enter my Social Security number for identity verification. This has effectively prevented me from accessing services offered by Cash App, even though I believe I am acting in compliance with their requirements. I am requesting assistance in reviewing this matter, including clarification of the specific reason ( s ) for the account closures and an explanation of why I am being prevented from opening new accounts after identity verification. I also seek a fair review of my standing with the platform and restoration of access if no legitimate violation can be substantiated. Thank you for your time and attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing a telecommunications debt that is being attributed to me. I do not recognize this account and have never had XXXX XXXX XXXX associated with this alleged debt. I became aware of the account when it appeared on my consumer credit report and/or was reported for collection. I dispute ownership of the account and have not been provided sufficient evidence showing that I opened, authorized, or benefited from the account. I am requesting that XXXX conduct a thorough investigation and provide documentation supporting its claim that I am responsible for this debt, including any application, service agreement, account records, identity verification records, and other evidence connecting me to the account. If XXXX can not provide competent evidence that I am the responsible party, I request the immediate removal of this account from all consumer reporting agencies and the cessation of any collection activity related to this matter. I am seeking a full investigation, correction of any inaccurate information, and written confirmation of the results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Pursuant to FCRA 1681i ( a ) ( 5 ) ( A ), you must delete or modify any information that can not be verified. Therefore, I demand : 1. Immediate and complete deletion of the XXXX XXXX tradeline # XXXX * * * * * * from my credit report. 2. Alternatively, correct the Payment Status to Paid/Settled, remove all derogatory payment history entries, and update the Account Rating to Neutral or Closed Paid. 3. Provide me with a free copy of my corrected credit report showing the deletion or corrections. 4. Send written notice of your reinvestigation results within 30 days, as required by law. FAILURE TO COMPLY If you fail to conduct a reasonable reinvestigation or refuse to delete this unverifiable, misleading information within 30 days of receiving this letter, I will : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and the FTC. Pursue all legal remedies under the FCRA, including statutory and actual damages for willful noncompliance ( 15 U.S.C. 1681n ), plus attorneys fees and court costs. Refer your false pretenses reporting to the U.S. Department of Justice for potential criminal prosecution under 15 U.S.C. 1681q. Please escalate this dispute to your legal/compliance department if necessary. I expect a timely and complete resolution. I have retained a copy of this letter and all enclosures. You may contact me via the email or phone number above if you require additional information.

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 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: NV

Complaint narrative:
* Fails to provide adequate documentation, * Ignores your requests, * Or continues reporting inaccurate information,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XXXX of last year I applied for a Chase/ XXXX XXXX credit card. They advertised an introductory offer of XXXX nights free hotel stay ( XXXX points value ) if you opened a credit card and spent {$3000.00} in your first 90 days. I already have a XXXX XXXX rewards account and thought this was a good offer through Chase Credit cards to add to my existing points. I called the Chase credit card rep and confirmed how the free nights would be added to my account - she advised me that If I spend {$5000.00} in the first 90 days ( which I did ) that I would receive XXXX nights free accommodation at a XXXX XXXX & that these free nights would be added to my XXXX XXXX rewards account. After I spent {$5000.00} I only ever received XXXX points. ( not the XXXX points I had been promised ) I called to complain and the Chase credit card rep said that it was at their discretion if Chase paid out the points or not? I feel like this was totally false advertising & had I known this I would not have opened/ applied for the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
NATLCRSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research NATLCRSYS 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 2026-06-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
I am filing a formal complaint against PayPal , Inc. regarding an unvalidated negative balance of - {$690.00} placed on my account. This deficit is the direct result of a documented employment scam. The scammer used a compromised third-party PayPal account to send me fraudulent funds. I was instructed to convert these funds to XXXX and send them to an external wallet. Once the original owner disputed the unauthorized transfer, PayPal reversed the transaction. This reversal pulled my account balance into a negative deficit. I am a verified victim of this crime. I have filed an official complaint with the XXXX XXXX XXXX XXXX XXXX. My XXXX Submission ID is XXXX. I have attached the complete XXXX XXXX PDF as evidence of my victim status. PayPals automated customer support has refused to disconnect my linked bank accounts. They are keeping my accounts linked to force a collection of this fraudulent debt. This represents an unauthorized threat to my financial security. FORMAL COMMUNICATION INSTRUCTION : Due to privacy constraints at my residence, I am officially invoking my right under the Fair Debt Collection Practices Act ( FDCPA ) to specify my preferred communication channel. I require PayPal to conduct all communications regarding this dispute strictly via my registered email address ( XXXX ). Do not dispatch any physical paper mail to my residential address ( XXXXXXXX XXXX XXXX XXXX, XXXX, MD XXXX ). Any physical paper mail sent to my home represents a direct violation of my explicit communication preferences.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
This letter serves as a formal dispute and demand for full validation of the alleged debt you claim I owe. I dispute this account in its entirety and refuse to make any payment until you provide competent evidence that I have a legal obligation to pay. Under the Fair Debt Collection Practices Act, including but not limited to 15 U.S.C. 1692g, you are required to cease all collection activity until you provide proper validation of this alleged debt. Be advised that a computer-generated statement, screenshot, balance summary, or generic billing printout does NOT constitute proper validation. You are hereby demanded to provide ALL of the following : 1. The name and address of the original creditor 2. The complete account number associated with the alleged debt 3. A full accounting of the alleged balance, including : * principal * interest * fees * charges * payments 4. A copy of the original signed contract or application bearing my signature 5. Proof that you are legally authorized to collect in my state 6. Documentation proving your ownership or assignment of this alleged debt 7. A complete chain of title if the debt was sold or transferred 8. Proof that the alleged debt is within the applicable statute of limitations 9. Copies of any judgments associated with this account 10. Proof that you reported this account accurately under the Fair Credit Reporting Act You are further notified that : * Any continued reporting of inaccurate, incomplete, or unverified information to any credit reporting agency may constitute violations of the FCRA. * Any collection activity without proper validation may constitute knowing violations of the FDCPA. * Telephone contact is inconvenient and is hereby refused. All communication must be in writing only. * Failure to validate this alleged debt should result in immediate deletion of all related reporting from XXXX, XXXX, and XXXX. If you can not provide the documentation requested, you must immediately : * cease collection efforts, * close the account, * and notify all credit reporting agencies to permanently delete any reference to this alleged debt. Be advised that I am carefully documenting all correspondence and potential violations for complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney Generals Office, as well as potential civil action. I expect your complete response within 30 days of receipt of this notice. I reached out to all XXXX XXXX XX/XX/year> and NO RESPONSE WHATSOEVER!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 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: Neighborhood Autos, LLC
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
I took out a {$6500.00} installment loan for 48 months at a 25 % interest rate with Upgrade. From the start, a {$580.00} origination fee was kept, which significantly reduced the amount I actually received. During the loan term, I experienced a six-month hardship due to unemployment. I was told this hardship program was to help avoid negative credit reporting. Despite making payments and now being at the end of my XXXX loan term, I was shocked to be told that I still owe {$3700.00}. In total, this {$6500.00} loan has now turned into over {$14000.00}. After nearly four years of payments, it is extremely frustrating and misleading to still owe thousands of dollars. The high interest rate, the origination fee, and the way the hardship period was applied were not clearly explained, and the overall experience feels predatory and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have been a loyal customer with Wells Fargo for several years making multiple payments per month and never missing a payment. I have two bank accounts connected to make payments and I selected the wrong account to make a mid month payment and they abruptly cancelled my only credit card. To make the situation worse I will be traveling out of the country with my son alone and now with no credit card.

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 2026-06-09 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
" I am filing a formal complaint against PayPal for permanently deactivating my account without notice, explanation, or cause. I have held this account for years and have maintained a flawless record with absolutely XXXX policy violations, disputes, or fraudulent activity. On XX/XX/XXXX, I received an automated email stating my account was permanently limited due to vague 'unusual activity, ' but no specific reasoning or opportunity to appeal was provided. PayPal is currently withholding {$290.00} of my funds. Because this limitation is clearly an automated system error on a legitimate account, I am requesting that a human compliance officer manually review my account history, explain the flag, and reinstate my access. '' Ive never gotten any warning never been told that I was doing anything and Ive had the account for more than XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
NATIONAL CREDIT SYSTEMS is reporting a negative account that does not belong to me to the credit bureaus. They are stating that I owe them {$6200.00}. I have contacted them multiple times regarding this debt with no real results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
I have a Simple Interest auto loan contract with Credit Acceptance ( Account XXXX XXXX My account is currently up to date. I contacted customer service requesting to make an overpayment to be applied directly to the Principal Balance. The representative explicitly refused, stating they do not accept principal-only payments. This violates the terms of my simple interest agreement, which states there is no prepayment penalty and that finance charges are calculated daily based on the remaining principal. I request that Credit Acceptance provides a clear, compliant method for me to make manual principal-only payments as per my contractual rights.

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 2026-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: C/C Financial
State: FL

Complaint narrative:
I am disputing the debt alleged by Preferred Lease Account # XXXX XXXX XXXX XXXX XXXX This company can not even furnish an accurate account number or identify me as owing this debt. I demand you remove this account and provide evidence that I owe this amount or you will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I received text messages from Waypoint Resource Group , LLC identifying themselves as a debt collector and providing instructions to reply " STOP '' to opt out of communications. I followed those instructions and sent STOP to opt out of further messaging. Despite this opt-out request, I continued to receive additional text messages after the opt-out was submitted. These messages included continued debt collection communications and payment solicitation messages with links to payment options and instructions to call or set up a payment plan. The continued messages were received after I had already requested to stop all communications via the required opt-out method. This indicates my opt-out request was not properly honored and my phone number was not fully removed from their messaging system. I am requesting investigation into repeated contact after opt-out and confirmation that my number is fully suppressed across all communication systems

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