vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
STATEMENT OF FACT As a student of law and a resident of XXXX XXXX, Maryland, I am providing formal notice of a systemic failure in PayPals Resolution Center. Following an exhaustive audit of my account regarding disputes against XXXX XXXX XXXX, the following facts have been established : 1. Adjudication Totals : A total of XXXX individual dispute cases were officially closed by PayPal in my favor ( primarily due to merchant default/non-response ). 2. Remittance Discrepancy : Of the XXXX cases closed in my favor, only XXXX instances of actual fund remittance have been successfully credited to my balance. 3. Unauthorized Reversals : The remaining XXXX cases, despite being marked as " Closed in Users Favor, '' have either had their credits withheld or reversed without legal justification, totaling a significant outstanding balance of my recovered funds. II. LEGAL VIOLATIONS Breach of Contract : PayPal has failed to honor its own adjudication decisions under the Purchase Protection Program. Regulation E ( 12 CFR 1005.11 ) : By withholding or " taking back '' credits on settled errors, PayPal is in direct violation of federal mandates regarding the finality of error resolution. Abusive Acts and Practices ( UDAAP ) : Withholding funds from a documented vulnerable consumer ( Maryland Schedule A Certification ) after confirming a refund is an abusive and deceptive practice. III. FORMAL DEMAND I demand that PayPal provide an immediate Itemized Accounting Statement for all XXXX cases closed in my favor within three ( XXXX ) business days. This statement must include : The Date of Closure for each case. The specific Transaction ID associated with the refund. The Ledger Entry showing the deposit of funds. A legal explanation for any " taken back '' or reversed credits on cases previously closed in my favor. IV. NOTICE OF ESCALATION Failure to remit the missing XXXX refunds will result in an immediate update to my existing CFPB Complaint ( ID : XXXX ) and a formal request for intervention by the Maryland XXXX XXXXl. As these funds are essential for my housing stability and to prevent imminent eviction, I expect an immediate correction of this accounting " error. '' Signed, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: AL

Complaint narrative:
I sent a certified letter with return receipt to Hunter Warfield Inc on XXXX XXXX, XXXX stating that I noticed an account from them on my XXXX credit report on XX/XX/2026. It was submitted on XXXX XXXX, 2026 to both XXXX and XXXX. The letter was received on and re-stamps on XXXX XXXX, 2026. I still have not received any letter or documentation from this company. My letter was a dispute so they should have sent me verification and proof of this debt, as required by the Fair Debt Collections Practices Act Section 809 A -- notice of debts. This company continues to report this account to XXXX and XXXX most recently on XXXX XXXX, 2026 but they do not have the time to respond to my letter. The least that they can do is send me something showing what this debt is about. The gall and audacity of this company to think that they do not have to provide proof and verification of debt. This government needs to provide stricter guidelines and tighter control on debt collectors because they seem to think that they do not have to abide by the rules of this country. This has caused great stress and anxiety. This is the last step advised before I can begin legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CT

Complaint narrative:
Company : National Credit Systems Issue : Attempting to collect a debt not owed / Incorrect credit reporting Amount : {$4400.00} National Credit Systems is reporting and attempting to collect a rental debt that is inaccurate, unverified, and legally unsupported. The original landlord ( XXXX XXXX XXXX ) added charges that are not collectible under Connecticut law. The landlord charged {$740.00} for summary process and {$60.00} for marshal fee, but the eviction case was withdrawn in XXXX XXXX on XXXX XXXX, 2023. The court filing states : Complete Withdrawal, The Plaintiff withdraws all complaints. Because the case was withdrawn, no judgment exists, and no evictionrelated fees are legally collectible. The landlord also claimed {$6100.00} in rent without providing a rent ledger, a breakdown of unpaid months, or proof of any rent increases. My lease shows rent was {$1300.00} per month, and the landlord has not provided documentation to support the amount they reported. Damage charges ( {$50.00} blinds, {$50.00} door ) were added without photos, inspection reports, or repair invoices. The landlord also failed to provide proper accounting for my {$1200.00} security deposit, including interest, deposit ledger, or proof of timely return, which violates Connecticut General Statutes 47a21. National Credit Systems is reporting this unverified balance to the credit bureaus and has not provided validation under FDCPA 809 ( b ). They are furnishing inaccurate information in violation of FCRA 623. I am requesting that CFPB require NCS to validate the debt, remove all unverified or illegal charges, stop reporting the debt until validation is provided, and delete the tradeline if they can not validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 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: MI

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WI

Complaint narrative:
I don't have any connection with PORTFOLIO RC. I only recognize SYNCHRONY BANK as the original creditor. I believe they sold my account into a collection agency without properly notifying me. In compliance to XXXX U.S. Code XXXX ( XXXX ) Debt collectors are legally obligated to adhere to XXXX U.S. Code XXXX ( XXXX ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
Reported unknown charges on my new SoFi account. SoFi refused all disputes without additional information and would not accept further proof for fraudulent charges despite my requests to associated to provide screenshots and communications. This was several weeks ago. Today, out of NOWHERE, on the day Im to receive my direct deposit, SoFi puts a restriction on my account at XXXX pm. No communication was provided to me about my account being at risk or blocked by email or physical mail. I called numerous times to no avail as no one knew why my account was closed nor could provide me additional rationale or accommodation to receive my direct deposit to pay my rent. This is absolutely ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing in response to your recent reply regarding my previous dispute. You stated that the late payment you reported has been verified. However, your response did not include sufficient proof to support that claim

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: GA

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

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I had my uncle return a XXXX watch to zales in XXXX 2025, the same month I purchased the watch. I was in a XXXX facility that I could not go out, so I asked him to return it to the store I got it from XXXX mall. I got approved for a credit card, which I never received to activate it because I did not live at the address they sent the card to. When I recently went into the store and asked why do I have a remainder bill, they stated because I made a {$1.00} donation which accumulated fees. They also told me they do not understand that, the store could not charge you interest on a donation and they dont know why the employee did not tell me that or tell him there was a balance of {$1.00}. Zales has tried to dispute it and the told me to contact Comenity Bank it is wrong, And comenity bank is telling me to contact zales but my bill is still Going up. They are giving me the run around so I contacted XXXX and tried to dispute it. Both parties said the bill is wrong but they can not dispute blaming each other. I sent XXXX r receipts of me returning the watch. I want to cancel out my XXXX account its useless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. An XXXX XXXX credit card account ending in XXXX, opened on XXXX XXXX, 2021, was opened without my knowledge or consent. I did not apply for, authorize, or use this account and I have no contractual relationship with this creditor. This account is being reported on my credit file with incomplete and inconsistent information, including missing payment history and unclear account status. This violates FCRA 1681e ( b ) and 623 ( a ) ( 1 ) ( A ), which require maximum possible accuracy and truthful reporting. I contacted the creditor directly and requested validation. I received no response and no documentation proving this account belongs to me. I have also filed an identity theft report with the Federal Trade Commission. This qualifies as an Identity Theft Report under FCRA 605B. This account is fraudulent and must not be reported under my name.

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 2026-04-14 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: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I paid off my auto loan with Mountain America Credit Union and requested that my vehicle title be mailed to my address. On XXXX XXXX, 2026, I received a title in the mail ; however, it belonged to a completely different individual. I immediately contacted Mountain America Credit Union to report the issue. A representative from the title department said title was swapped by accident with another customer and instructed me to return the incorrect title of that customer to the bank. When I requested a prepaid return envelope, I was told that to expedite the process, I should send it myself. Following their instructions, I mailed the incorrect title the same day via the post office ( XXXX ), along with a written request including my loan details, vehicle information, and personal information, asking them to send me my correct title. After several weeks without any communication or update, I called again and had to re-explain the entire situation. The representative stated they would follow up, but I did not receive any response. I called again weeks later and once again had to repeat everything, yet still received no meaningful update on the status of my title. I also requested written documentation confirming that my title had been sent to another recipient, but although I was told someone would follow up, it has now been over a week with no response. At this point, it has been already XXXX months, and I still do not have my vehicle title or any update from bank. My loan has been fully paid off, and the title has been lien-released, yet I have no idea where my title is or who currently has it. This situation is extremely frustrating, especially after paying interest on this loan for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: WA

Complaint narrative:
starting in the first part of XXXX my card was manipulated and some one used the card to the tune of XXXX, They were declining, There was even a air band b on there that i never went to. There was a lot of XXXX charges. I do not use XXXX or XXXX eats. I notified the credit card company, They would not let me speak to the fraud dept. I emailed all the information I had and they claimed they could not find my account, I tried to email the address I had for fraud but it bounced back to me, The only way they would talk to me was if I sent them a copy of my drivers license to an email address, There is no reason my it should take XXXX to get them to work on a fraud issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: OR

Complaint narrative:
Afni collections sent me a letter on XX/XX/XXXX saying that I owe the sum of XXXX $ to the company XXXX insurance but I had not been contacted by XXXX whatsoever about this situation so I sent them a letter disputing the debt in requesting for validation on XXXX XXXX they sent me a letter back saying that I owe the amount of {$9100.00} with no validation or documentation showing that they are authorized to collect on the behalf of XXXX XXXX And they have continued to call my phone to collect without validating anything even after receiving the dispute of debt. And told me that they will not drop the debt and will put it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint against Midland Credit Management for failure to validate a debt and continued reporting of unverified information. On XX/XX/year>, I sent a formal debt validation request pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA XXXX ( b ) ) regarding an account Midland Credit Management is reporting ( Account # : XXXX ), originally with XXXX XXXX. In my request, I specifically asked for documentation including the original signed contract, a full accounting of the debt, a breakdown of the balance, and proof of Midland Credit XXXX legal authority to collect the debt. To date, Midland Credit XXXX has failed to provide any response or documentation. Despite failing to validate the debt, this account continues to be reported on my credit report. I do not believe a reasonable investigation or validation was conducted. Failure to validate a debt while continuing to report or attempt collection may constitute violations of the FDCPA and FCRA. I am requesting that Midland Credit Management either : XXXX. Provide full validation of the debt, including all requested documentation, or XXXX. Immediately delete this account from all consumer reporting agencies If the account can not be properly validated, it should not be reported or collected. I am requesting that this matter be reviewed and resolved in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I am a consumer currently experiencing a documented financial and medical hardship due to unemployment. I have contacted Capital One multiple times to request a hardship workout plan or a waiver of late fees totaling ( {$210.00} ) across my accounts. Despite my attempts to cooperate, supervisors have stated they can not help me and have refused to offer any meaningful relief or payment plan that aligns with my current unemployment income. I am reporting an inability to get help with hardship and requesting Capital One provide a formal review of my accounts to waive these predatory fees and establish a sustainable payment agreement. Ive called numerous times for help since XXXX XXXX, Ive been facing hardship since XX/XX/year> accounts are ending in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lewis, McDonnell & Associates
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Via XXXX XXXX, TX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account Number : XXXX To Whom It May Concern, I am writing in response to an account listed on my credit report under the above-referenced account number. I am formally requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). I do not recall entering into any agreement with your company, and I dispute this account in its entirety. Please provide the following : 1. Proof of the original creditor and the original account number 2. A copy of any agreement bearing my signature showing I agreed to assume this debt 3. A complete payment history, including the amount claimed to be owed 4. Documentation showing that your company has the legal right to collect on this debt 5. Proof that this debt is within the statute of limitations Until you provide proper validation of this debt, you must cease all collection activity and reporting to any credit reporting agencies. If you are unable to validate this debt, I request that you delete this account from all credit reporting agencies immediately. Please note that failure to comply with this request may result in a complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. I request that all future communication be in writing. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. An XXXX XXXX credit card account ending in XXXX, opened on XXXX XXXX, 2021, was opened without my knowledge or consent. I did not apply for, authorize, or use this account and I have no contractual relationship with this creditor. This account is being reported on my credit file with incomplete and inconsistent information, including missing payment history and unclear account status. This violates FCRA 1681e ( b ) and 623 ( a ) ( 1 ) ( A ), which require maximum possible accuracy and truthful reporting. I contacted the creditor directly and requested validation. I received no response and no documentation proving this account belongs to me. I have also filed an identity theft report with the Federal Trade Commission. This qualifies as an Identity Theft Report under FCRA 605B. This account is fraudulent and must not be reported under my name.

Company response to consumer: Closed with non-monetary relief