vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
Midland Credit Management is reporting XXXX collection accounts on my credit reports that are being re-aged in violation of the FCRA. The accounts ending in XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX are all showing updated balances every single month and the dates of major delinquency have been changed to XXXX on accounts that defaulted years earlier. This constitutes re-aging which artificially extends how long negative information appears on my credit report. I have disputed these accounts with all three credit bureaus. I am requesting that Midland immediately cease re-aging these accounts and correct the reporting or delete them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
National Credit Adjusters is reporting a collection account on my credit reports for an alleged XXXX payday loan in the amount of XXXX dollars that has been re-aged in violation of the FCRA. The balance is being updated every month making the debt appear more recent than it actually is. I also sent a debt validation letter to National Credit Adjusters requesting verification of this debt which has not been validated. I have disputed this account with all three credit bureaus. I am requesting that NCA cease re-aging this account and either validate the debt or delete it immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
Term opened : XX/XX/XXXX Term length : 57 months Last payment : XX/XX/XXXX Amount owed : {$11000.00} XXXX XXXX I had gotten into a crash. I was t-boned but was found to be at fault ( I dont remember what insurance I had ) but it wasnt full coverage. My insurance didnt total the title. I called Credit Acceptance and asked them if they could come repo the car so I could get the difference balance of the what they got for selling the car. They said they would send a tow truck out to the location but never did. After half a year passed I called again and by that time there was an open repo for it. I once again gave them the address to pick it up but when the tow truck showed up to repo the car they refused to take it. Fast forward about one year, I called them again and asked what was happening with the car. They said they were going to come get it once again but failed to do so. After calling them for the fourth time they said they didnt have anything under my account besides a company phone number. I looked it up and it came back to a 1.7 star rated law firm, but nobody will move forward with the physical process. Nobody will contact me on what to do next while the credit union is the only thing that shows up on my credit for the car. The term is about to be up.

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 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: WA

Complaint narrative:
This company diversified and several other claim I owe tmobile they claim it was opened XX/XX/2025 but in the photos it says other things like owed since XX/XX/2025 and other dates from other companies i get it removed it comes back from another company im tired of disputing something I never had calling daily from numbers you can't call back. Indont knownthese people I don't have tmobile I have XXXX this has gone on for several years. I now own my own business and am trying to repair my credit and having something bogus when I have plenty to fix already is just insane and want it gone permanently once and for all. XXXX isn't fix it XXXX didn't fix it I can't afford an attorney I hop you can help please... Edit to add this isn't just one company it's 3 plus companies XXXX XXXX XXXX and XXXX XXXX XXXX AND NOW DIVERSIFIED

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. 180-day hold ended XX/XX/XXXX ( balance {$390.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$390.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Upon reviewing my contract, obligations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named Truth in Lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
I been with chime for a few years now and never filed a complaint or disputed a charge. The one time I did, I called back and told them I had solved it myself. Then I made another dispute for them to actually denied the very next day. And I had to redispute the one that they quickly denied. Right after that they closed my account. Just to find out the dispute that they denied turnt out to be in my favor! Now when I call, no one knows whats going on but my account is closed and they cant discuss why.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
I applied for a loan to buy a suit from XXXX a suit company. The loan was granted at XXXX $ Affirm sent the monies to XXXX. The suit arrived too small. I returned the suit to XXXX. The processing time was long. I filed a dispute with Affirm. Affirm claimed to investigate. After weeks of this so called investigation they found in XXXX favor. I wanted XXXX to simply return the money to Affirm so I could reorder. Affirm has since washed their hands. Saying I must pay! XXXX said they will not send the money to Affirm until I lifted the dispute. So I did. I have been dealing with these XXXX companies for over a month. Over a simple return. Im now paying for a suit, that XXXX has. And Affirm being the XXXX does not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. Balance is {$1800.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$1800.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Once again US BANK is wasting my time. Since XX/XX/year> I have been dealing with US bank, almost six months later I still am. I have not received {$140.00} check that was stated to be sent out in the mail in the XX/XX/XXXX letter attached. It has been a month and no check has arrived. I have called the only US BANK representative to ever contact me during this six month time and he did not call me back about this missing check. I have also not received the remaining credit balance of {$380.00}. I am currently waiting to receive these two checks that are owed to me due to the fraudulent accounts made in my name and fraudulent use of my credit card. I have excellent credit and have always paid my bills and credit cards on time. I have never had a problem with fraud or identity theft before. The level of neglect, overall unprofessionalism, rude, and the threatening nature of this bank is appalling. This bank needs to be investigated not only did they send a new credit card to a scammer 's address after I went into the bank personally to prove my identity they repeat hung up on me and made it impossible for me to close my account while they continued to leave the account open and listing a fraudulent balance on my credit score. I had to get in touch with all the credit bureaus with my police report to FORCE close this credit card and force US BANK to do something about. 6 months have pasted and two complaints have been made and US BANK has still not issued the funds owed to me. This issue is suppose to be dealt with in 90 days, this is unacceptable.

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 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: SC

Complaint narrative:
Credit Corp Solutions is reporting a collection account on my credit reports that has been re-aged in violation of the FCRA. The account ending in XXXX originally from XXXX XXXX has been reported with an updated balance every single month making the debt appear more recent than it actually is. This constitutes re-aging which artificially extends how long negative information appears on my credit report and damages my credit score. I have disputed this account with all three credit bureaus. I am requesting that Credit Corp Solutions immediately cease re-aging this account and correct the reporting or delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing this complaint against Robinhood Financial LLC regarding the withholding of my funds totaling {$1500.00}. Robinhood unilaterally closed my individual XXXX account ( ending in XXXX ). Prior to the closure, I initiated a transfer of my remaining balance ( {$1500.00} ) to my linked TOTAL CHECKING account ( ending in XXXX ). However, this transfer was reversed due to an issue with the receiving bank account being frozen. Currently, the funds are trapped in the closed Robinhood account. On XX/XX/year>, Robinhood support sent me a final notice under Case ID : XXXX, stating : " this decision remains final and no additional information will be provided, '' and explicitly stated they will no longer support me as a customer. Because Robinhood refuses to provide any support channel for me to retrieve my funds, and the original linked bank account can not accept transfers, I am unable to access my money. I do not dispute their right to close the account under their Terms and Conditions. However, Robinhood has a fiduciary duty to return my remaining capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: GA

Complaint narrative:
My CashApp account was closed stating that I violated a policy however the company never identified the policy they claim I violated. I was not given a full opportunity to explain transactions. I was asked generic questions on what I use the account for which I explained that it was for bills, transfers of cash between friends and family, and pay for extracurricular activities for my kids. I was then given a response stating that my account was remaining closed. I dont feel the decision was fair or justifiable as I have not violated any terms or conditions nor I have I abused my account in any way. $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: PR

Complaint narrative:
Explanation of complaint : FORMAL DEMAND FOR RESTORATION OF REWARDS ACCESS To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Attention : Customer Service Leadership / Legal Department Date : XX/XX/year> Subject : Breach of Rewards Program Agreement Account Balance {$490.00} To Whom It May Concern, I am writing to formally demand the immediate restoration of my ability to use the rewards points earned on my XXXX XXXX account. My current balance is 49,831 points ( {$490.00} ), yet your platform is currently preventing me from applying these points to purchases. Per the XXXX Rewards Program Agreement, XXXX is the primary party responsible for the administration of this program. I draw your attention to the following contractual terms : Ownership of Program : The agreement explicitly states : " The XXXX rewards program is offered by XXXX... This document describes how the XXXX rewards program works and is an agreement between you [ and ] XXXX. '' Control of Redemption : The agreement further stipulates that : " XXXX XXXX... change how you use points [ or ] change what you can get with your points. '' Administrative Responsibility : While JPMorgan Chase Bank, N.A. issues the credit card, the " Shop with Points '' feature and the digital ledger of available rewards are managed and displayed exclusively through the XXXX interface. By showing a balance of {$490.00} but failing to provide the technical means to redeem it, XXXX is in breach of the rewards program terms. These points are a earned benefit with a clear cash value, and the continued withholding of these funds is unacceptable. I hereby demand that within three ( 3 ) business days, XXXX : Correct the technical error preventing the redemption of my 49,831 points. Or, in the alternative, issue a manual credit of {$490.00} to my XXXX XXXX XXXX balance. If this matter is not resolved immediately, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Washington State Attorney Generals Office for the withholding of earned consumer benefits. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : XXXX XXXX XXXX XXXX XXXX Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. XXXX hold ended XX/XX/XXXX ( balance {$290.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$290.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: CA

Complaint narrative:
I was notified that my credit card account with XXXX XXXX opened on or around XX/XX/year>, was charged off and allegedly all rights, title and interest to/in the contract and associated debt was assigned to CCS ( credit corp solutions inc ) . I had disputed the account with the credit bureaus, and the dispute was closed claiming it was valid. Months later I started receiving persistent ( daily up to monthly ) correspondence from a company called XXXX who allegedly was contacting me on behalf of CCS. Seeing that this was already the fourth entity regarding the same debt, I felt there was a break in the chain of title and I requested proof that they in fact had been assigned and thereby had standing to collect the debt they claimed I owed to them. I sent three notices requesting the same thing, with a final notice sent today, XX/XX/XXXX. I notified them that since I was unable to verify the chain of title, I am left to assume they do not possess the proper assignment with a bill of sale, and do not have the evidentiary chain of title I requested. This leaves no other conclusion than they have no standing to collect on this alleged debt and it should be removed, and collection activity should halt per FDCPA, 15 U.S.C.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Vehicle loan or lease — Loan
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: Westlake Services, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a payoff letter with {$0.00} balance from Westlake financial services, effectively marking the end of the loan, and when the lien release process should've started. When I paid for the registration in XXXX, I realized that the lien holder was still Westlake financial services. I reached out to the XXXX, they made me fill out a form which I presented in person on XX/XX/XXXX, and they confirmed I needed to get a wet signature from the XXXX holder for them to release the title. Because of my distance from the lender 's office, I contacted their office by phone again that same day, and they promised I would receive the title within XXXX weeks. It didn't happen, and now I'm no longer able to pull registration reports from the XXXX. I have been unable to make financial decisions regarding my vehicle because the lender still has the XXXX almost 4 years later after the vehicle was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I used my PayPal Debit Mastercard to pay {$190.00} for a service that was never provided. I opened a dispute with PayPal, but they denied the claim stating the transaction was processed correctly. My complaint is not about the transaction processing, but that the merchant never delivered the service purchased. Under debit card consumer protections, this qualifies as services not rendered. I am requesting a reversal of the transaction and a proper investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds and threatens to escheat them before the 180-day hold period ends. Timeline : Account permanently limited on XX/XX/XXXX. Balance is {$100.00}. On XX/XX/XXXX, PayPal emailed threatening to clear funds. The 180-day hold period has not yet ended, but withdrawal is already blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$100.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. 180-day hold ended XX/XX/XXXX ( balance {$2800.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$2800.00} to my bank account.

Company response to consumer: Closed with explanation