vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 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:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my researchJEFFCAPSYS 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 2026-03-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
Spring Oaks Capital Date : XXXX2025 I sent in complaint and proof of XXXX showing I was not in the region during there stated billing period.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
My name is XXXX XXXX and I am a 100 percent XXXX XXXX connected veteran who has every right to have an account with Navy Federal Credit Union however I have been denied on numerous occasions despite having submitted an application with a branch manager.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
During my mortgage process with TD Bank, my financial documents began being sent to an incorrect addressthe apartment where we were temporarily staying, which is owned by the contractor we were working with. We informed TD Bank multiple times that we do not receive mail at that address and requested it be removed. Despite repeated assurances that this would be corrected, the address has continued to remain on file. That contractor later defrauded us of over {$300000.00}. As a result, I am extremely concerned that sensitive financial information may be continuing to be sent to an individual associated with that fraud. I recently discovered that this incorrect address is still on file, despite years of attempts to correct it. This represents an ongoing risk of unauthorized access to my personal and financial information. I am requesting immediate correction of my address across all systems, written confirmation once resolved, and clarification on how this issue persisted despite multiple prior requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I am trying to verify the date of original debt bd the dates and information of each collection agency that has had the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I booked a XXXX XXXX round-trip flight ( SyracuseMumbai ) through the Capital One XXXX XXXX XXXX XXXX paid : {$1100.00} ( {$830.00} card charge + {$300.00} XXXX XXXX XXXX ). My return flight was XX/XX/XXXX. Prior to my return date, the XXXX XXXX involuntarily rescheduled my visa appointment completely outside my control. I have official documentation of this. XXXX XXXX confirmed they could hold my ticket as an open ticket, but only for direct bookings not portal bookings. I contacted Capital One XXXX and was told the portal does not support open tickets and no alternative was offered. I was forced to purchase a new XXXX XXXX flight for approximately {$2800.00} a cost directly caused by Capital One XXXX 's undisclosed policy limitation. On XX/XX/XXXX, I called Capital One to request a {$560.00} statement credit ( half my original ticket value ). XXXX XXXX ( call reference : XX/XX/XXXX ) refused all accommodation, stating the ticket was non-refundable and directing me to XXXX XXXX despite Capital One owning the portal and the booking relationship. The service desk person initially said XXXX XXXX would offer credit, but then they later declined it. I did talk to a XXXX named XXXX she refused to provide me a case number, ticket number or an employee number as well as Capital One XXXX people do not have an employee number. I am requesting a {$560.00} statement credit. Capital One 's portal limitation never disclosed at booking directly caused over {$2800.00} in financial harm during a government-imposed travel disruption.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I disputed an NSF charge on my account. It escalated to management and I was assigned a point of contact, XXXX Washington. We played phone tag. I called her on XX/XX/XXXX and XX/XX/XXXX [ in response to her calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I continued to try to reach her to resolve this situation on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I then received written correspondence stating she'd tried to contact me but couldn't reach me. I'm assuming she doesn't check her voicemail because I left a voicemail on all of my calls. In that letter, she stated that she was waiving the NSF fee. On XX/XX/XXXX, I received a bill notification with the fee still showing. I called and left yet another voicemail, and as of today, XX/XX/XXXX, I've yet to hear back from her.

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 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Goal Structured Solutions, LLC
State: CA

Complaint narrative:
I am submitting a complaint regarding an unresolved billing dispute with XXXX XXXX related to my solar lease account. On XX/XX/year>, I submitted a dispute regarding an improper ACH debit attempt in the amount of {$190.00}. The authorized monthly payment under my lease is {$190.00}, or {$180.00} with the automatic payment discount. The {$190.00} debit does not match either amount. This improper debit caused a returned payment and resulted in NSF and late fees being added to my account. On XX/XX/year>, I submitted documentation, including my bank statement, showing the {$190.00} debit attempt. On XX/XX/year>, I paid the base past-due amount of {$170.00}, which the company has acknowledged receiving and applying to my account. On XX/XX/year>, the company responded but did not address the {$190.00} debit amount and instead provided a general explanation of payment terms. I submitted additional follow-up requests through their system on XX/XX/year> and XX/XX/year>, requesting an explanation of the incorrect debit amount and removal of the resulting NSF and XXXX fees. I requested communication in writing, but the company has not responded. As of XX/XX/year>, I have received no response to my follow-up requests. My account continues to show delinquency and accumulating fees despite my payment and repeated dispute submissions. I am requesting that the company provide a written explanation for the {$190.00} debit attempt, correct the account balance, remove the related NSF and late fees, and ensure my account is not improperly reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WV

Complaint narrative:
On XX/XX/2026, I contacted PayPal support regarding my account " XXXX '' which has successfully completed the mandatory XXXX hold period. The settled balance is {$1100.00}. According to PayPal 's own policy and the notification I received, these funds are now eligible for withdrawal. However, when I attempted to link my bank account or card for disbursement, PayPal blocked the feature by mandating a biometric " selfie '' verificationa requirement that was NOT part of my original User Agreement and is being used as a prohibitive barrier to access my private property. During my live chat with Agent " XXXX, '' I offered multiple alternative identity verification methods ( such as XXXX and XXXX Questions ), but PayPal explicitly refused to accommodate. Most critically, the agent issued a " Final Decision '' stating that the funds will remain in the account and I will " not be able to withdraw the funds today or in the future. '' XXXX This is a clear case of Unlawful Conversion of Funds and an Abusive Act under the Consumer Financial Protection Act. PayPal is effectively seizing my private property without a court order or legal warrant, and has officially stated its intent to permanently withhold my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: CT

Complaint narrative:
During servicer transition, i had XXXX access to my ccount payment portal, my account showed XXXX every month logining in with no ability to make any payments ( buttons greyed out ) but every month i was receiving delinquent notices on my credit for the lasXXXX XXXX years. Both the prior and current servicers repeatedly directed me to contact each other both with automated messaged in place pointing me back at the other. My credits been severely damaged over the past few years, Im requesting a full investigation, correction of all inaccurate reporting, and retroactive administrative relief for the affected period. I am also requesting a written response detailing all the findings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Veros Credit, LLC
State: CO

Complaint narrative:
XX/XX/XXXX } I am filing this complaint regarding my auto loan with Veros Credit. I purchased a vehicle through XXXX XXXX XXXX in XXXX and have been making my required payments on time. Recently I was contacted by XXXX XXXX XXXX ) from XXXX XXXXXX/XX/XXXXand was informed that Veros Credit pulled the financing deal on my loan because they claimed they had not received any payments from me. This statement is inaccurate and extremely concerning. Veros Credit themselves sent me my payment history, which clearly shows that my account is current and that my payments have been received. Despite having documentation showing that I am up to date on my payments, my vehicle is now being repossessed. I contacted XXXX XXXX XXXX and they told me to contact Veros Credit. When I contacted Veros Credit, they stated there was nothing they could do. I am now being pushed back and forth between the dealership and the lender with no resolution. I have acted in good faith and have documentation proving my payments were made. Repossessing my vehicle under these circumstances appears to be wrongful and unfair. I am requesting the following : XXXX. Immediate suspension of any repossession actions. XXXX. A full investigation into my payment history. XXXX. Written confirmation that my account remains in good standing if my payments are verified. XXXX. Protection from any negative credit reporting related to this issue. I am attaching my payment history and documentation showing my account is current. This situation is causing serious financial and personal harm and needs to be corrected immed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I made a hotel reservation for XX/XX/XXXX through the XXXX using my Citi AA credit card. The charge was in EurosXX/XX/XXXXwhich, at the exchange rate at the time, was around {$460.00} USD. However, Citi charged me {$500.00}, which is ridiculous. I filed a dispute, but they refuse to do anything to resolve the issue. I have the bill showing the amount in Euros, and the hotel assured me that they never charged in USD. Thanks.

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 2026-03-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX : I disputed a {$1000.00} Bank of America Visa charge for the deposit on plumbing contractor 's {$17000.00} contract because my plumbing contractor abandoned the job. XX/XX/XXXX : I receive an email from Bank of America ( BOA ) indicating plumbing contractor has refuted the BOA Visa charge disputed byXX/XX/XXXXfor {$1000.00} on XX/XX/XXXX. XXXX sends BOA a detailed letter with receipts and e-mails proving that the disputed {$1000.00} charge with BOA had been paid with XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$4300.00} which ( in writing ) added back in the {$1000.00} charge for the deposit. Emails substantiate plumbing contractor was in agreement to not refute the disputed charge. Regardless, plumbing contractor fraudulently sought to have the disputed {$1000.00} charge with BOA returned to her bank account. This is a crime : ( XX/XX/XXXXXXXX XXXX XXXX ) : A retailer commits a crime if they act with a specific " intent to defraud '' ( tricking the bank or customer via dishonest means ). Penalties : If the fraudulent amount exceeds {$950.00} within a XX/XX/XXXXmonth period, it can be charged as grand theft, a " wobbler '' offense punishable by up to XXXX years in prison. XX/XX/XXXX : BOA Requests a " letter from a similar merchant or vendor with a similar merchandise or service stating the similar merchandise or service was defective. '' This is a " check box item " completely irrelevant to my situation. Instead I provided additional information to substantiate the fact that the plumbing contractor had been paid the {$1000.00} with other charges on my XXXX Card and that the plumbing contractor is currently under investigation by the County XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX : BOA denies chargeback because I did not provide a " letter from a similar merchant or vendor with a similar merchandise or service stating the similar merchandise or service was defective. '' I imediately contacted BOA and was told the same thing by various BOA employees. Finally I reached a manager who understood that the binary descision making process of " did he provide the similar merchant or vendor letter? Yes/No '' does not and should not apply to my case. On XX/XX/XXXX, the BOA claims department managed to open the case again for review, but now are saying it will take XX/XX/XXXX days to resolved. In the meantime, my {$1000.00} was posted to the plumbing contractor 's bank. BOA has accepted no responsibility for not protecting me from fraud. In fact, BOA is an accessory to a violation of XX/XX/XXXXXXXX XXXX XXXX.

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 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
Subject : Attempt to Collect Invalid Debt Toll Violation # XXXX I am filing a complaint against Transworld Systems Inc. for attempting to collect a debt that is clearly invalid due to a documented license plate misidentification. Details of the issue : Alleged Toll Violation : # XXXX My License Plate : XXXX XXXX ( XXXX XXXX, TN ) Plate on Violation : XXXX XXXX ( XXXX XXXX, TN ) These are different vehicles registered in different counties. The debt has been incorrectly assigned to me. Actions I have taken : Filed Dispute # XXXX with XXXX Contacted XXXX multiple times starting XX/XX/XXXX Sent a certified letter on XX/XX/XXXX to the Violations Processing Center, including photographs of my vehicle and license plate and vehicle registration Despite this clear evidence, the toll authority failed to correct the error and referred the account to collections. Transworld Systems Inc. is now attempting to collect on a debt that : Is based on incorrect identification Has been formally disputed multiple times Lacks proper validation I am requesting : 1. Immediate cessation of all collection activity 2. Proper validation of the alleged debt, including toll images 3. Immediate removal of the account from collections 4. Assurance that no negative credit reporting will occur, or removal if already reported This situation reflects a failure to investigate a disputed debt and an attempt to collect on inaccurate information.

Company response to consumer: Closed with explanation