vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing and deeply concerning violations of federal consumer protection laws. After formally disputing these alleged debts and requesting proper validation, I was left frustrated and discouraged when the companies failed to provide any meaningful proof that I am legally responsible for these accounts. They did not produce basic, essential documents such as original agreements, records of ownership, complete account histories, or any clear evidence of their authority to collect. Despite my repeated efforts to resolve this matter, collection attempts and credit reporting activity appear to have continued without proper verification. This has caused significant stress and uncertainty, as I am being held accountable for debts that have not been substantiated. It is both alarming and unfair to face ongoing financial and reputational harm without clear and lawful justification. These actions raise serious concerns about potential violations of the Fair Debt Collection Practices Act, including the failure to properly validate debts and the use of misleading or unfair collection practices. Additionally, there appear to be violations of the Fair Credit Reporting Act, particularly regarding the accuracy of reported information and the obligation to conduct a reasonable investigation. Overall, the pattern of behavior suggests that these companies may be attempting to collect on unverified debts while reporting potentially inaccurate information. This situation has not only undermined my confidence in the fairness of the system but has also placed an unnecessary emotional and financial burden on me, pointing to what may be broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
Jefferson Capital XXXX {$440.00} For XXXX Opened ( not by me ) XX/XX/XXXX Filed a dispute with XXXX, XXXX and XXXX on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
I\nHave been trying to get PayPal to release and authorization.Hold that.They have been holding on XXXX XXXX XXXX dollars and XXXX XXXX cents for XXXX days now It is for in order I placed with XXXX XXXX XXXX trying to order groceries for my child and I in the order was canceled XXXX minutes later on XXXX XXXX third XXXX XXXX and XXXX XXXX. For 5 days, PayPal kept telling me XXXX 's holding the money.And then I go back to XXXX and paypal would tell me PayPal is holding the money this went on for about 6 days, and then I contacted a couple people from PayPal who said, show me proof that XXXX release the authorization and we will put your funds back into your account and I did that with screenshots of emails that XXXX had sent me, they still would not do it, they reneged on what they said. And they kept telling me XXXX is holding your money that they're not releasing the authorization yet, so I have XXXX three-way call PayPal this XXXX and we spoke to someone and they said they would release and adjust the XXXX back into my account. I waited XXXX or XXXX hours. No money in my account, so I call PayPal, and they're trying to tell me XXXX 's still holding My money.\n That XXXX has not XXXX the prior authorization, so I call XXXX XXXX tells me they don't see a prior authorization. But this commonly happens, there could be a glitch in the system or the authorization was not submitted or because of me trying to replace the order. They're seeing XXXX of them from the same canceled order. There is no XXXX prior authorizations from XXXX. XXXX did do their part and release them. I Screenshot in everything we I even have XXXX XXXX to call them for me.We called three-way PayPal just won't release this money, and I explained to XXXX is causing hardship for me even after payment that I have XXXX year old daughter and I'm a single mom.I just want my money because there isn't no order.This isn't a refund.They need to just manually release my money.The money they're just holding on to nothing was purchased.The order was canceled. Can you please help me regain this money back for {$44.00} from PayPal? I can't wait till XX/XX/XXXX I have a XXXX year old child.I 'm responsible for by myself on my own with no help.But what I make at work, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Prohealth Care, Inc
State: CT

Complaint narrative:
I am complaining against ProHealth XXXX ( aka XXXX XXXX XXXX XXXX, XXXX, XXXX ) medical providers for attempting to unlawfully collect from me bills that federal law exempts me from paying as a XXXX XXXX XXXX as Pro Health is in violation of the XXXX XXXX XXXX ( XXXX ) no-balance-billing federal rule regarding me as their patient. XXXX XXXX. Pro Health has been made aware twice in writing with the relevant documentation that under federal XXXX law, if a patient is enrolled in the XXXX XXXX XXXX XXXX subsidy, then federal law prohibits Pro Health from charging a patient ANY XXXX copay, coinsurance, or deductible. Furthermore, providers may not bill individuals for XXXX deductibles, coinsurance, or copayments. That means XXXX. Not even {$1.00}. Not ever. See Federal Authority 42 U.S.C. 1396a ( n ) ( 3 ) ( B ) and 42 C.F.R. 447.15 ( federal regulation ) Since I receive the XXXX subsidy : Pro Health may NOT bill me ( they have repeatedly now with threats ) Pro Health may NOT collect a copay from her ( they are attempting to do this ) Pro Health may NOT balance-bill her for the difference ( they are repeatedly doing so Pro Health must write it off even if XXXX XXXX pays them {$0.00} XXXX, the US gov't has repeatedly confirmed that their collection efforts and threats are unlawful.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: TN

Complaint narrative:
My account was originally with a collection agency. When I went to make payments, the account was deleted from my credit report. I then contacted XXXX and agreed to make payments with XXXX. I started receiving calls from a new collection agency called waypoint. They would not validate the account through the mail and advised they sent an email I never received. I requested on several times to send validation. I also advise that XXXX confirmed that I could make payments through the online portal. I made a payment as agreed. XXXX account is listed under my Maiden name XXXX XXXX and or XXXX XXXX. I paid off the account with XXXX, but waypoint reported this to my credit report. I sent a XXXX complaint and Waypoint agreed to remove this account from my credit report. I contacted the credit bureaus that it was reported to and disputed it. Waypoint has since validated the account as correct and did not do what was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synergetic Communication Inc
State: MS

Complaint narrative:
I am submitting this complaint regarding Synergetic Communication and a collection account they are reporting related to an alleged balance from XXXX XXXX XXXX XXXX XXXX. I have been receiving repeated calls, texts, and collection attempts regarding this account, including skip tracing efforts, and I am formally disputing this debt and requesting proper validation and documentation. At this time, I have not been provided with sufficient documentation showing that Synergetic Communication has the legal authority to collect this alleged debt from me or that the balance being reported is accurate. I am requesting that the company provide actual supporting documentation instead of simply continuing collection activity and credit reporting. Specifically, I am requesting : A copy of the original signed lease or agreement connected to this alleged balance A full itemized statement showing exactly how the amount was calculated Copies of any move-out charges, damages, invoices, or accounting records Documentation showing that Synergetic Communication was legally assigned or authorized to collect this debt Documentation bearing my signature or agreement showing responsibility for the alleged amount being collected Proof that the information being furnished to the credit bureaus was properly investigated and verified before reporting I also dispute the accuracy of the information currently being reported to the credit bureaus until proper validation is provided. Additionally, I am requesting that Synergetic Communication cease telephone communications and communicate with me in writing only moving forward. I am asking the CFPB to investigate this matter and require the company to provide complete validation and supporting documentation for this alleged debt and to correct or remove any inaccurate, incomplete, or unverifiable reporting. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Hi, recently I unknowingly fell behind on my Nordstrom Card payments. After receiving a reminder phone call to login I noticed something odd. All of my previous payment history, payment accounts, and statements completely disappeared from my online account portal. I called customer service to report my findings and ask for my statement. They told me to check my email ( attached ). However, the email only provides and button to view statement which open your online account portal when clicked. The online account portal no longer has any statements available. Only XXXX account activity feed is available in my online portal. All banks and financial institutions must provide accurate reporting and official records to customers ( e.g., statements ). Where are my statements???!? What are my interest charges??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Company Names : XXXX XXXX XXXX XXXX ( primary ) American Express ( receiving institution ) Product : Bank Account / ACH Transactions Issue : Unauthorized Transactions/ Fraud / Failure to Investigate Complaint : I am submitting this complaint regarding ongoing unauthorized ACH activity on my account and the lack of resolution from both XXXX XXXX XXXX XXXX and American Express. On XX/XX/year>, an unauthorized ACH debit in the amount of {$1000.00} was processed from my XXXX XXXX account. I did not authorize this transaction and do not recognize the recipient. The ACH trace number associated with this transaction is : XXXX. Following this, there were two additional unauthorized ACH attempts in the amounts of {$310.00} and {$360.00}, which were returned due to insufficient funds. Most recently, on XX/XX/year>, there was another unauthorized ACH attempt in the amount of {$570.00}. This pattern clearly indicates that my account information has been compromised and that unauthorized activity is ongoing. I reported this matter to XXXX XXXX XXXX XXXX ; however, my claim was denied based on ACH return timeframes for business accounts. I was advised that because the request fell outside of the allowable return window, they were unable to process a return. While I understand ACH timing rules, this does not address the fact that these transactions were unauthorized and that fraudulent activity continues. I have obtained the ACH trace number and confirmed through my bank that the payment was sent to an American Express account. Per XXXX XXXX instruction, I contacted American Express. American Express advised that the investigation must be initiated by my bank and did not provide further assistance or confirmation regarding the receiving account. As a result, I have been left without a clear path to resolution, with each institution directing me to the other while unauthorized activity continues on my account. Concerns : Unauthorized ACH transactions were processed without my authorization There is a clear pattern of ongoing fraudulent activity XXXX XXXX denied my claim based solely on timing, without adequately addressing fraud I was not provided sufficient support to resolve the issue American Express did not assist in addressing the unauthorized payment received on their end I have been left without meaningful resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
On XX/XX/year> I withdrew {$10000.00} and {$2100.00} from my Ally Bank Checking account ending in XXXX XXXX XXXX XXXX XXXX XXXX XXXX to my XXXX Bank XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/year> I was called and emailed to let me know my account was being locked because they think the name on my XXXX account doesn't match my name on my Ally account. It does and that's some sort of mistake. I called in and they told me my account is frozen. I want my account to be unfrozen and for them to just send my funds back to the initial account I had them in my XXXX XXXX bank XXXX XXXX account.

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 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND CREDIT XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT XXXX 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 XXXX Code XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
XXXX i had an XXXX loan that defaulted however in XXXX i consolidated making my loan become a direct consolidated school loan. However in XXXX i defaulted on the direct loan where in XXXX my federal taxes were garnished {$7500.00} not including {$5.00} payments after. XXXX i consolidated again XXXX i was notified by XXXX that XXXX XXXX XXXX XXXX XXXX i was part of an XXXX group discharge where there was nothing i had to do and all XXXX XXXX loans would be XXXX. And any money paid would be XXXX receive my discharge from XXXX XXXX XXXX However no refund. XXXX to XXXX XXXX XXXX me on XXXX XXXX that my refund was applied to another loan when i know that was not true because i had no other school loans at the time .contact student aid then reached back out to XXXX when i was told i would have to submit a dispute which i have done in the past because they dont know if the money that was garnished was the loan that was XXXX and belonged to westwood college which i will be attaching in this claim.This all stemmed from a claim i had opened against them before but withdrew to provide everything they should need to release my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing and deeply concerning violations of federal consumer protection laws. After formally disputing these alleged debts and requesting proper validation, I was left frustrated and discouraged when the companies failed to provide any meaningful proof that I am legally responsible for these accounts. They did not produce basic, essential documents such as original agreements, records of ownership, complete account histories, or any clear evidence of their authority to collect. Despite my repeated efforts to resolve this matter, collection attempts and credit reporting activity appear to have continued without proper verification. This has caused significant stress and uncertainty, as I am being held accountable for debts that have not been substantiated. It is both alarming and unfair to face ongoing financial and reputational harm without clear and lawful justification. These actions raise serious concerns about potential violations of the Fair Debt Collection Practices Act, including the failure to properly validate debts and the use of misleading or unfair collection practices. Additionally, there appear to be violations of the Fair Credit Reporting Act, particularly regarding the accuracy of reported information and the obligation to conduct a reasonable investigation. Overall, the pattern of behavior suggests that these companies may be attempting to collect on unverified debts while reporting potentially inaccurate information. This situation has not only undermined my confidence in the fairness of the system but has also placed an unnecessary emotional and financial burden on me, pointing to what may be broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
This complaint also serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) to Lockhart XXXX Morris & Montgomery. My attached letter specifies the full list of records that must be provided to establish legal standing and balance accuracy, including : The original signed contract or agreement, A full itemized account history, Documentation proving Lockhart XXXX Morris & Montgomery owns the debt, The purchase or assignment agreement, and All prior notices, including the validation notice required under XXXX U.S.C. XXXX ( a ). By submitting this through the CFPB portal, I am ensuring that this request is documented, transmitted, and subject to regulatory review. Transparency and legal verification are core consumer rights, and I expect Lockhart XXXX Morris & Montgomery to respond in full. In addition, to protect my rights under the Fair Credit Reporting Act ( FCRA ), I am also disputing the accuracy and completeness of the account. As detailed in the attached letter, I have requested the following : The Date of First Delinquency ( DOFD ) as recorded by the original creditor, The charge-off date, The date of purchase or assignment, with confirming documentation, The current data set on file for this account, and The procedures used to verify the account if previously disputed. Please respond to each item identified in the attached dispute letter in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
i've called her XXXX Bank of America XXXX XXXX a specific application has been denied several times. They're trying to identify where I live. I call. I went on hold XXXX minutes to an hour and nobody ever calls back. There's no email there's no way of contacting anybody unless I go to a local branch see mighty frustrated. I've been with Bank of America for 20 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 explanation
Consumer complaint received 2026-05-06 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: IL

Complaint narrative:
I am a victim of identity theft. On approximately XX/XX/year>, my XXXX account was hacked. Unauthorized orders were placed including groceries, physical products, and digital products, all paid through PayPal without my authorization. Furthermore, XXXX XXXX investigated the transactions, acknowledged the fraudulent activity, and denied payment to PayPal on my behalf. Despite a major financial institution confirming the fraud, PayPal still denied my dispute and continues to hold me responsible for unauthorized charges. XXXX froze the old accounts and opened new accounts for me. Additionally, I filed an FTC Identity Theft Report ( Report Number XXXX ). XXXX refunded the groceries and physical products however XXXX has refused to refund the digital products despite these being unauthorized purchases made by identity thieves. PayPal is now billing over {$400.00} however XXXX has already issued credits that PayPal has not accounted for. The actual amount legitimately owed is unclear. Both XXXX and PayPal share responsibility here : - XXXX must refund the digital products as they were purchased fraudulently - PayPal must account for credits already issued by XXXX - PayPal denied my dispute claiming I authorized these transactions which is completely false I have documentation of the XXXX credits. I am disputing the full amount as all transactions were unauthorized, made by identity thieves who hacked my XXXX account. I am requesting a full investigation, refund of all unauthorized charges including digital products, and proper reconciliation of credits already issued by XXXX.

Company response to consumer: Closed with explanation