vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, I sent XXXX via PayPal to XXXX XXXX (bank card: XXXX XXXX XXXX XXXX, issued by XXXX) for website creation services. The service was never provided. The recipient stopped communicating in August XXXX and has not returned my money.\n\nI opened two disputes with PayPal:\n\nFirst dispute: XXXX XXXX   denied, case closed.\n\nSecond dispute: XXXX XXXX  denied again. PayPal stated the case could not be reopened because the appeal window had expired.\n\nI also contacted XXXX directly multiple times.\nOn XXXX XXXX XXXX I received an official response from a XXXX specialist (XXXX), stating that XXXX is ready to return the funds  but only upon an official request from PayPal. I forwarded this letter to PayPal and asked them to act, but PayPal refused to reopen the case, citing the expired appeal deadline.\n\XXXX has confirmed the funds are recoverable. PayPal has the ability to request the return but has not done so. The recipient (XXXXXXXX XXXX) remains unresponsive, and I have not received the service I paid for.\n\nI am filing this complaint because PayPal will not act despite clear evidence from XXXX  that a request from PayPal would allow my funds to be returned.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I asked them to go to Mediation to settle this WELLS FARGO BANK ACCOUNT FRAUD. THEY COMMITTED USING MY NAME AND 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 2026-02-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: FL

Complaint narrative:
RE : PRO COLLECT Account # XXXXXXXX XXXX XXXX  Amount : {$200.00} Status : Paid in Full Creditor : ProCollect , Inc . 

To Whom It May Concern, I am filing a formal complaint and dispute regarding the above referenced collection account currently reporting on my credit file. 

This debt was PAID based on explicit representations made by ProCollect XXXX XXXX that upon payment they would request removal of the collection from my credit reports for me and all involved parties. 

I relied on that representation in good faith and proceeded with payment. 

ProCollect subsequently issued a Paid in Full letter which clearly states : Any derogatory credit reported by ProCollect XXXX XXXX on this account will be adjusted. 

XXXX Letter ( XXXX ) However, instead of removing the account as represented, they merely updated the balance to {$0.00} and continue reporting the collection as a derogatory tradeline. 

This is a material misrepresentation and a violation of multiple federal statutes. 

LEGAL BASIS XXXX FDCPA Violations 15 U.S.C. 1692e ProCollect made a false, deceptive, or misleading representation regarding the effect of payment on credit reporting. 

Representing that derogatory reporting would be adjusted/removed to induce payment, and then failing to do so, constitutes : False representation of the character and effect of payment Deceptive collection practice Misleading communication in connection with debt collection This violates 1692e. 

XXXX FDCPA Unfair Practices 1692f Accepting payment under the premise of removal and then refusing to follow through is an unfair and unconscionable means of debt collection. 

XXXX FCRA Violations 15 U.S.C. 1681s-2 ( a ) A data furnisher may not report information they know or should know is inaccurate or misleading. 

Once payment was made under agreed removal terms, continuing to report the account as a derogatory collection without proper notation constitutes misleading reporting. 

XXXX FCRA 15 U.S.C. 1681s-2 ( b ) After dispute, the furnisher must : Conduct a reasonable investigation Review all relevant information Correct inaccurate reporting Failure to honor the written representation in their own paid letter demonstrates lack of reasonable investigation. 

XXXX XXXX XXXX XXXX Detrimental Reliance Payment was made specifically in reliance on the promise of credit adjustment/removal. 

The consumer would not have paid otherwise. 

This constitutes detrimental reliance and bad faith collection behavior. 

ADDITIONAL ISSUE The tradeline is being reported inconsistently and misleadingly : Paid Collection Derogatory Remains visible If the debt is satisfied and the agency committed to adjusting derogatory reporting, continued reporting as a collection is deceptive and punitive.

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 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company 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 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: TX

Complaint narrative:
XX/XX/XXXX I asked for an interest rate reduction of 24 % on my loan of XXXX for my XXXX XXXXXXXX XXXX to help me pay off my loan. They Refused. 

I was late on my XXXX payment so today I called in to let them know that I could only pay a certain amount of that late payment. This is when they told me that I qualified for an extension. I was surprised to hear this because I had previously called in to ask for an extension or deferred payment so that I would not fall behind. XXXX in the month of XXXX, I had called to ask to make a deferred payment.I was told no. However today ( XX/XX/XXXX ) XXXX, the first customer service representative I spoke with, stated that I had to fall behind before the company could do an extension. 
I asked to speak with the XXXX department and I was transferred to a supervisor, XXXX XXXX, she fused to give any employee number but stated that this conversation would be notated in their records. I asked her if there was any way I could take down my interest rate from 24 % on a loan over XXXX so that I would not be at risk of having to default on my loan, she replied with a not at this time. When I questioned her about her choice of words she then said no we are not going to edit the interest rate whatsoever. She told me to go refinance with another bank and ended the conversion. 
I did pay {$300.00} on my late bill today ( XX/XX/XXXX ) and made a promise to for the rest XX/XX/XXXX. Which they did work with me on that matter. 
I am going through a financial crisis and I need my car to get to work and I do want to keep my car however I can not afford it because of the predatorily interest rate. I was in a desperate situation when I agreed to such a term, I had an old car break down and I had a job more than XXXX miles away that I had to keep. 
I dont have that job anymore and I explained to the company that I was making half of my income at my new job. They still refused to lower my interest rate knowing that I would be in the same situation next month. I feel trapped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
I filed a dispute under the FDCPA guidelines on XX/XX/year> with portfolio recovery associates. I requested proof of the debt, all credits and debts made to the account, signed account agreements, the manor in how the acquired the debt, their legal stance to be able to collect a debt in the state of Maine, and the age of this debt. Since filing this dispute I have not heard anything regarding the investigation I since then have received XXXX calls from them from various numbers. This morning I spoke to XXXX of their associates who told me the dispute was never entered in to their system and it was never recorded. I have attached the disputes I have filed against to the email they requested I sent them to for XXXX different debts as proof I filed these.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account XXXX  a collection agency without properly notifying me XXXX  it's clearly violating my rights. In compliance XXXX  XXXX XXXX XXXX XXXX ( XXXX ) Debt XXXX are legally obligated to adhere XXXX  XXXX XXXX XXXX XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law XXXX  make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate credit reporting related to the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 

Basis of Dispute Your company is incorrectly reporting a late payment on my credit report for a period in which payment was made. My final payment was submitted on XX/XX/year>, yet Toyota Motor Credit has inaccurately classified this payment as late. 

This reporting is factually incorrect, misleading, and damaging, and it does not reflect the true payment history of my account. 
The last payment was paid in full and on my report it says Loan Outstanding, however account paid. This is misleading false information. I demand immediately deletation!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSON CAPITAL SYST is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL SYST 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 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Complaint Against Goldman Sachs Apple Card Billing Dispute I disputed a {$50.00} charge from XXXX for expedited 2-day shipping and processing of a divorce certificate. The service was not provided within the promised timeframe, and no document was shipped. 

I canceled the service and notified the merchant. Despite this, the charge remained. 

I filed a billing dispute with Apple Card ( issued by Goldman Sachs ). After more than six months, I received a letter stating the charge would remain. I do not believe a reasonable investigation was conducted. 

Under the Fair Credit Billing Act, creditors must conduct a reasonable investigation of disputed charges. Charging for expedited shipping when nothing was shipped is improper. 

I am requesting : A reinvestigation of this dispute Documentation showing how the investigation was conducted Reversal of the {$50.00} charge

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: NC

Complaint narrative:
I have recently checked my credit report and noticed some fraudulent charges on my credit report. Please remove these fraudulent accounts from my credit report because this reporting goes against XXXX XXXX guidelines and is stopping me from obtaining credit. I have no contract with this company nor have I done any business with them. 

Jefferson Capital System XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: OPTUM BANK, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I initiated a trustee-to-trustee transfer of funds from a legacy HSA account to my current HSA custodian. The receiving custodian incorrectly coded this transfer as a regular contribution rather than as a transfer. As a result of this misclassification, my account reflects contributions exceeding the XXXX annual HSA contribution limit, creating potential IRS tax penalties. I discovered the issue on XX/XX/XXXX, and immediately contacted the custodian to dispute the error. At their request, I completed and submitted a transfer form on XX/XX/XXXX. Despite this, the reporting error has not been corrected. My original service ticket was closed without resolution, and the custodian instead opened a new ticket and transferred a small remaining balance from the legacy account without my authorization. Each time I contact customer service, I am told the matter will be escalated and that a supervisor will respond within 23 business days. No follow-up has occurred. Nearly 50 days have passed, there are multiple unresolved service tickets, and an incorrect tax form remains on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
Hayt, Harry & Landau, P.L. has filed a lawsuit against me for a debt I allegedly owe. The file number is XXXX. 

I have asked the company on several occassions to provide proof that I am the corrector debtor and that they have the legal right to collect on the debt. They have repeatedly refused to provide this information, which is a clear violation of my rights. 

I've also called, and it's nearly impossible to reach a human. I was able to get ahold of XXXX XXXX once ( XXXX ext XXXX ), but he wasn't really any help, either, and I still have received the information I requested. Not sure what else to do, and i just want to get to the bottom of this. 

This law firm has a reputation of being predatory, and it's a shame. Please help!

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 2026-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Block, Inc.
State: NC

Complaint narrative:
Im not sure what happened cause I couldnt access anything cause my numbers and email was changed to the accounts that was open before they allowed another person to use my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: IL

Complaint narrative:
Selene XXXX is completely unethical for stopping its customers from paying and then charging late fees when customers don't pay. 
BUT SELENE GIVES CUSTOMERS NO WAY TO PAY!!! 
It has been completely impossible to make a payment. I keep trying everything and nothing works. 
I can sign into my dashboard fine. 
If I try to pay online it says, " Due to the status of your account, online payment scheduling is currently unavailable. To review any scheduled payments, please check the Scheduled Payments tile. If you need assistance or have questions about your payment options, please call XXXX. '' So I call the phone number. Over and over and over. 
No matter how or when I call ( XXXX ) XXXX, I get a recording saying : The system is unable to process your call. 
I found two other numbers for the company and have been calling those numbers and keep getting the same recording! 
( XXXX ) XXXX - not working XXXX -not working I have been unable to make payments for XXXX and XXXX and now it says I owe {$890.00} in late fees even though the COMPANY HAS BEEN BLOCKING ME FROM MAKING A PAYMENT. 
I had one missed payment, so now THEY BLOCKED MY ABILITY TO PAY ONLINE. 
THEY WANT TO TAKE MY HOUSE BECAUSE OF ONE MISSED PAYMENT. THEY WON'T ALLOW ME TO PAY. 
I send emails describing the problem and get no response. 
I can't pay online. Selene is blocking me. 
I can't pay by phone. None of Selene 's phone numbers work. 
If I try to communicate with Selene by chat, I get told to call. BUT THE PHONE NUMBERS DON'T WORK. 
When I send emails, I get NO REPLY. 
I need the late fees for last month and this month refunded, and I need someone to restore my online access or call me SO I CAN MAKE A PAYMENT! 
I am NOT paying late fees BECAUSE THE COMPANY IS BLOCKING ME FROM MAKING A PAYMENT. 
I DO NOT OWE LATE FEES BECAUSE I HAVE BEEN UNABLE TO MAKE A PAYMENT BECAUSE THE COMPANY IS BLOCKING ME FROM PAYING ONLINE OR ON THE PHONE. 
I even tried these alternative numbers and couldn't get through. 
( XXXX ) XXXX - unable to reach a person at Selene ( XXXX ) XXXX - unable to reach a person at XXXX I even tried to find a branch to go in person, and Selene Finance does not have public-facing branch offices for in-person payments. 
SELENE IS PURPOSELY BLOCKING CUSTOMERS FROM PAYING AND THEN CHARGING THEM LATE FEES FOR NOT PAYING.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
On XX/XX/2026 I paid the remaining balance in full. On XX/XX/2026 the company added interest to the account. I called on XX/XX/2026 and the company refused to remove the interest though the account was paid in full! This is shady business practices

Company response to consumer: Closed with explanation