vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On XX/XX/year>2026, I purchased an XXXX XXXX XXXX graphics card on XXXX using the 'PayPal Pay Later ' service. The seller provided a tracking number that showed 'Delivered ' to my zip code on XX/XX/year>2026. However, I never received the item. I realized I was a victim of a " Zip CXX/XX/XXXXe Scam. '' On XX/XX/year>2026, I went to my local XXXX office and obtained a signed, official letter from XXXX XXXX XXXX XXXX. The federal XXXX documentation explicitly states XXXX things : The package was NOT addressed to my home address but to a different address in the same zip cXX/XX/XXXXe. The package 's internal scan weight was only XXXXXX/XX/XXXX The item I purchased ( XX/XX/XXXXXXXX ) has a manufacturer weight of over XXXXXX/XX/XXXX and a shipping weight of approx. XXXXXX/XX/XXXX It is physically impossible for the purchased item to be in that package. Over the past weeks, despite uploading this signed XXXX supervisor letter and the internal scan data, PayPal 's automated dispute system has repeatedly denied my claim based solely on the fraudulent 'Delivered ' status. PayPal is actively ignoring federal evidence of mail fraud and attempting to hold me liable for the fraudulent Pay Later loan. I am requesting an immediate manual review, cancellation of this loan, and a full refund of {$500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Goodwill Adjustment Request Account Resolved Dear Affirm, I am writing to respectfully request a goodwill adjustment regarding my account. Due to a period of incarceration, I experienced a temporary financial hardship that led to missed payments on this account. Prior to this situation, I maintained a positive payment history and took my financial responsibilities seriously. Since my release, I have worked diligently to rebuild my life and financial standing. I have resolved this account in full, and in some cases under a pay-for-delete agreement. I am now focused on maintaining excellent credit moving forward. Given these circumstances, I kindly request : Removal of all late payments and derogatory marks OR removal of the account entirely from my credit report This request is not to dispute the validity of the debt, but rather to ask for consideration based on hardship, accountability, and my efforts to make things right. Your assistance would make a significant difference in my continued progress and ability to move forward. Thank you for your time and consideration. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: CL Holdings LLC
State: MS

Complaint narrative:
Name : XXXX XXXX XXXX Date : XXXX XXXX XXXXXX/XX/XXXX Company Being Complained About : Jefferson Capital LLC ( also referenced as Jefferson Capital Systems ) XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : ( XXXX ) XXXX Nature of Complaint : Inaccurate and unverifiable credit reporting after multiple disputes DETAILED COMPLAINT : 1. FCRA VIOLATIONS - INACCURATE REPORTING Jefferson Capital is reporting fundamentally inconsistent and inaccurate information across credit bureaus : A. Account Opening Date Discrepancies XXXX XXXX reports : Opened XX/XX/XXXXXXXX XXXX reports : Opened XX/XX/XXXX VIOLATION : While dates match, the account shows collection activity dating back to XX/XX/XXXX, but original delinquency is reported as XX/XX/XXXX - over 10 months BEFORE Jefferson Capital allegedly purchased the debt. B. Balance Inconsistencies : XXXX : {$10000.00} ( as of XX/XX/XXXX XXXX XXXX : {$10000.00} ( as of XX/XX/XXXX ) Original amount : {$9800.00} VIOLATION : Unexplained balance increase from {$9800.00} to {$10000.00} without documentation of fees, interest, or legal basis for increase. XXXX Date of First Delinquency Errors : Reported as : XX/XX/XXXX Account opened by Jefferson : XX/XX/XXXX VIOLATION : Jefferson Capital can not report a delinquency date that occurred before they owned the account. This violates FCRA Section 623. 2. CONTINUED REPORTING AFTER DISPUTES Both credit reports show narrative code " 166 - Consumer Disputes This Account Information, '' indicating active disputes. Despite multiple disputes : Account continues to be reported with same inaccurate information No evidence of proper investigation No correction of obvious discrepancies VIOLATION : FCRA Section 611 requires proper investigation and correction of disputed information. 3. MISSING REQUIRED DOCUMENTATION Jefferson Capital, as a debt buyer, has failed to provide : Verification of debt ownership Documentation of the original debt Proof of chain of title from original creditor ( XXXX XXXX ) Validation of the balance increase from {$9800.00} to {$10000.00} 4. FURNISHING UNVERIFIABLE INFORMATION The account shows : No payment history from original creditor Inconsistent dates that create timeline impossibilities Unexplained balance increases VIOLATION : FCRA Section 623 prohibits furnishing information that can not be verified. XXXX. IMPROPER COLLECTION ACCOUNT REPORTING The account is being reported as a collection but shows characteristics of a purchased debt with unexplained balance increases, suggesting possible violation of the Fair Debt Collection Practices Act regarding misrepresentation of debt amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
I paid the debt off on XX/XX/year>. I checked my credit report and the status was still opened. nothing has been updated. It still says I owe the debt as of XXXX. I asked for a pay to delete and it still showed up on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I am filing a complaint regarding unauthorized transactions that occurred on my PayPal account on XX/XX/XXXX. Multiple transactions were made through my account that I did not authorize. These transactions were flagged by my bank as unusual and potentially fraudulent activity. All other transactions on my account are normal, indicating this was an isolated incident. I reported these transactions to PayPal, and I received conflicting information during the investigation. At one point, I was provided written confirmation stating that the activity on my account was determined to be unauthorized. However, PayPal later denied my dispute, claiming that the transactions were authorized because they were verified through my email address. I did not authorize these transactions. If activity occurred through my email or account, this indicates a potential account compromise, which should still qualify as unauthorized use. Despite presenting this information, PayPal closed the case and stated that the decision is final, refusing to reopen the investigation. They also advised me to contact the seller, which is not appropriate in cases of fraud. I am requesting that PayPal : Conduct a proper investigation into these unauthorized transactions Provide documentation of the evidence used in their determination Reimburse the funds associated with these unauthorized transactions I am also pursuing resolution through my financial institution due to PayPals failure to properly handle this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MI

Complaint narrative:
The debt collection firm is attempting to collect a debt from XXXX from a prepaid account that I had thus making it not possible for me to have a debt on it one being that the account has been closed and two being that it was a prepaid XXXX cellular plan. When XXXX raised my price and was unwilling to negotiate I terminated my service with them and went to a new carrier. When my service was terminated my account was in good standing, as was the secondary account that I was on with my wife. The collection agency has made no attempt to contact me or verify the debt or let me know that I had any debt. All this in combination with every name listed on my credit report is not my legal name, as well as not one single address on my credit report being my address. Jefferson Capital systems LLC is collecting a debt or attempting to collect a debt that couldn't have existed to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: IN

Complaint narrative:
I am filing this complaint regarding the handling of funds belonging to my deceased father, XXXX XXXX, who passed away on XX/XX/year>. On XX/XX/year>, we submitted all documentation requested by MoneyLion to process the release of funds. At that time, we were informed that the review and processing would take approximately 35 business days. That timeframe has now passed, and we have received no resolution. Since submitting the documents, we have made multiple attempts to follow up, including two phone calls to customer service, two chat inquiries, and a reply to the original email used to submit documentation. Despite these efforts, we have not received any meaningful update or communication regarding the status of this request. The account in question was closed by MoneyLion prior to them being notified of my fathers passing, and as a result, we have been unable to access, transfer, or use the funds in any way. The funds remain held by MoneyLion without explanation or resolution. I, XXXX XXXX, am associated with the account, and XXXX XXXX is a named executor of the estate. We have fully complied with all documentation requirements and have acted in good faith throughout this process. We are requesting the immediate release of all remaining funds to the XXXX account that is already linked to my fathers MoneyLion account, along with a clear explanation for the delay. This situation has caused unnecessary hardship and concern. We expect prompt action and resolution. Desired Resolution : Immediate release of funds to the linked XXXX account Clear explanation for delay Confirmation of case completion

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 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: NV

Complaint narrative:
I have paid off my prosper card and had a XXXX balance, I went to make a purchase on the XXXX of XXXX at XXXX and was unable to. My card continued to decline, I looked on my app it indicated my account was past due but I have no past due balance and my balance was XXXX $! I them called prosper to address the issue and said that I wasnt able to use my card because of an investigation into the account, I asked what investigation and or why would it be being investigated and then I was told they could not provide that information. Very confused as I had no fraudulent activity that I have had issues with on my card and everything being up To date and not receiving a disclosure or clear explanation I asked to be transferred to a supervisor. The supervisor said that I could not use the card because they were completing an investigation when I asked an investigation into what as I had made no complaints ms have not submitted any claim, the supervisor refused any other information. At this point I explained that there would be no reason And I felt there was some prejudice and that I was being segregated and there was some sort of discrimination against me taking place as in any event if I am under investigation for any purpose it is my lawful and civil right for that information to be disclosed to me under due process.

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 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
This communication constitutes a formal debt validation request pursuant to 15 U.S.C. XXXX ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). You are also hereby notified that the validity of this debt is disputed in its entirety, and you are ordered to cease all collection activity including reporting or forwarding information to any credit reporting agency until complete, specific, and verifiable validation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: MI

Complaint narrative:
" Approximately one year ago, I reported fraudulent duplicate charges to BMO on my checking account. BMO investigated and sided with the merchant, resulting in a negative balance on that account. The account was subsequently frozen. I opened a second checking account with BMO, into which I have received approximately {$5600.00} in direct deposits from third parties. I am currently located in XXXX and have been told I must appear in person to resolve this matter, which is not feasible. BMO is now refusing to release the funds in my second account, stating they will be applied to offset the negative balance on the first account. BMO has been charging me a $ 5 monthly inactivity fee on the account I can not access. I have been unable to access my funds for approximately 5-6 months. I sent BMO a formal written demand today requesting release of my funds and received no response. The funds in my current account are direct deposits unrelated to the original dispute, and I do not consent to them being offset against a debt I am actively disputing. ''

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 monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I am disputing a collection account being reported by Southern Management in the amount of {$1100.00}. I contacted the original creditor ( XXXX XXXX XXXX ), and they have confirmed they are unable to locate any records of this account and can not verify any details related to the alleged debt. Because the original creditor can not validate this account, I believe this debt is being reported inaccurately and without proper verification. Under the Fair Credit Reporting Act, all reported information must be accurate and verifiable. I am requesting that Southern Management provide full validation of this debt, including original account documentation and proof of ownership. If they are unable to properly validate this account, I am requesting immediate deletion of this collection from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 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: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I Have a best buy Credit card that I had since XX/XX/XXXX. With a balance for a T.V I purchased in the amount of XXXX. I have no interest rate until XX/XX/XXXX. We were advised that if we have other recurring balances on the card for other purchases that I would need to pay more than the monthly balance to pay down the XXXX original best buy purchase. Since XXXX of XXXX I have paid more than the monthly amount owed and none of the overpayments have been allocated towards the XXXX XXXX dollars balance. When I advised the best buy credit company what we wanted to do in XXXX. However, it was never done and all the overpayments I made monthly went towards other balances unrelated to the XXXX XXXX dollars balance which is not right. I have paid over XXXX XXXX dollars on the best buy credit card, and nothing have been allocated towards the XXXX XXXX dollars balance. I requested all the overpayments balances to be allocated towards the XXXX XXXX dollars balance and was told it was too late to do so. Even though I was informed that all over payments would go towards the XXXX XXXX dollars balance in XXXX. Now after XX/XX/XXXX if the balance is not paid in full, I will have to pay XXXX XXXX XXXX XXXX dollars in interest charges. This is not right as I was feeling scammed. The best buy credit intentionally not allocated none of the monthly overpayments I made. Just to wrongfully charge me interest on the XXXX XXXX dollars balance that has not been paid down on at all for almost 2 years.

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 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
Dear Affirm, I am writing to respectfully request a goodwill adjustment regarding my account. Due to a period of incarceration, I experienced a temporary financial hardship that led to missed payments on this account. Prior to this situation, I maintained a positive payment history and took my financial responsibilities seriously. Since my release, I have worked diligently to rebuild my life and financial standing. I have resolved this account in full, and in some cases under a pay-for-delete agreement. I am now focused on maintaining excellent credit moving forward. Given these circumstances, I kindly request : Removal of all late payments and derogatory marks OR removal of the account entirely from my credit report This request is not to dispute the validity of the debt, but rather to ask for consideration based on hardship, accountability, and my efforts to make things right. Your assistance would make a significant difference in my continued progress and ability to move forward. Thank you for your time and consideration and for continuing to assist me as I get through this process. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Additions to Case Submitted : XXXX documentation - I have all of the following to transmit to you if you give me a way : - Proof of my payments via B of A system - Extensive correspondence with Wells executive services reps- My negative credit reporting and credit alerts ( erroneous due to the Wells ' payment processing system failures ) - Proof of my declined FICO scores due to the Wells system problem - Copies of my disputing negative reporting with all three credit reporting agencies- Very detailed correspondence with Wells showing the errors, the payments, the erroneous late payment notices, and much more

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 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: Block, Inc.
State: OH

Complaint narrative:
I needed to direct deposit a check in my name thur cash app following the instructions to get my money. And when I call to get more info on way it won't go thur is bc I didn't have e the right info under my name when I did so on the app. So everytime I try to call they keep telling me I dont know what you want us to do go finance else were when I cant because its already sign under my name thur them. Let alone telling me nothing they can do. When no one else with accept it bc its already been filed out to them. And for them to not fix and make ends meet they keep hanging up and saying nothing they can do, let alone go somewhere else and cash. Bc I followed the apps instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: AR

Complaint narrative:
Oportun .. keeps calling numerous times on XXXX ... over an over the days and dates are on the history of my phone. Last phone which was today I asked why are you calling my phone today and the guy just kept talking as if he didn't hear me...

Company response to consumer: Closed with explanation