vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your [ letter/phone call ] ] regarding the alleged debt referenced above. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I am requesting that you provide me with competent evidence that I have any legal obligation to pay you. Please provide the following : The name and address of the original creditor. The original account number. The total amount of the debt and how it was calculated. Proof that you are licensed to collect debts in my state. Documentation showing the debt actually belongs to me. If you do not produce this information within 30 days, I demand that you cease all collection activity and remove any reporting from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as CBNA - XXXX, CBNA - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your [ letter/phone call ] regarding the alleged debt referenced above. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I am requesting that you provide me with competent evidence that I have any legal obligation to pay you. Please provide the following : The name and address of the original creditor. The original account number. The total amount of the debt and how it was calculated. Proof that you are licensed to collect debts in my state. Documentation showing the debt actually belongs to me. If you do not produce this information within 30 days, I demand that you cease all collection activity and remove any reporting from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
On XX/XX/2026, I deposited {$100.00} via ACH. The funds posted to my bank ( XXXX ) that same day. Based on Coinbase 's XXXX showing my funds as " Available, '' I attempted to send XXXX XXXX XXXX XXXX to an external wallet. When the system blocked the send, I reasonably assumed it was an asset-specific issue. I converted the funds to XXXX and then back to USD to attempt a different transfer method. It was only after incurring multiple conversion fees totaling {$5.00} that I realized Coinbase was enforcing a " Transfer Hold '' on the underlying cash that had already cleared my bank. Specific Points of Failure : Deceptive Interface : Coinbase permitted me to buy and sell assets ( generating fees for them ) without warning me that the resulting assets would be ineligible for the very purpose I bought them for ( sending/withdrawing ). Unjust Enrichment : Coinbase has retained {$5.00} of my principal for " services '' ( conversions ) that provided zero utility because the platform intentionally restricted the movement of the assets. Refusal of Redress ( Case # XXXX ) : Despite the clear trail of " Buy/Sell/Convert '' actions taken within minutes of each other on XXXX XXXXall in a failed attempt to access my own cleared fundsCoinbase support ( XXXX ) refused a refund, citing that I " agreed '' to the fees on the preview screen. Desired Resolution : A full refund of the {$5.00} in fees. An explanation as to why funds cleared by a major XXXX XXXX ( XXXX ) are held for 6+ days while being simultaneously " available '' for fee-generating activities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
XX/XX/year> There was an issue involving a roof collapse at the life at XXXX XXXX XXXX which was managed by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX it was about XXXX XXXX and my partner wanted me to go check in on my apartment as I arrived to my apartment. I walk in and noticed a puddles of water all over the floor as I try to clean it up it was a lot of water so I couldnt get it all up, so I placed it pots and pans down to catch the water also contacted emergency maintenance as well didnt want to bed throughout the night more and more water kept falling from the ceiling the next day when I got up maintenance, came to my apartment and cut a giant hole in the roof did not come and fix it right away a couple of days went by and I asked them were they going to fix the big hole they cutting in my roof my boyfriend came over and I showed him what happened then we went to the rent office. We told them that there was a big hole in my roof maintenance didnt fix and then I want to be let out of my lease because this issue they kindly agreed to let me out of my lease and would not put it on my credit report but days later when I check there is a {$400.00} charge theres reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint against PayPal regarding unauthorized transactions made through my account to a merchant identified as XXXX. I contacted PayPal to dispute these charges because I do not recognize this merchant, have never knowingly created an account with them, and did not authorize any transactions. PayPal responded by stating that these were preapproved or recurring transactions dating back to XX/XX/year>. I strongly dispute this claim. I have no recollection of ever granting authorization, entering into a billing agreement, or conducting any business with this merchant. I did not sign up for XXXX, nor did I approve any recurring payments. This raises serious concerns that my account or personal information may have been compromised. The unauthorized transactions in question ( all in XXXX ) are : {$200.00} on XX/XX/year> {$150.00} on XX/XX/year> {$150.00} on XX/XX/year> {$130.00} on XX/XX/year> {$150.00} on XX/XX/year> Despite reporting this, PayPal has not provided any documentation proving that I authorized these transactions ( such as a billing agreement, consent confirmation, ). They have also failed to resolve the issue in a satisfactory manner. I attempted to contact the merchant directly, but they redirected me back to PayPal without providing any assistance, leaving me without resolution. I am requesting the following : Proof that I knowingly authorized any preapproved or recurring payments A full investigation into these transactions as unauthorized or fraudulent activity Immediate reimbursement totaling {$780.00} for these charges Immediate cancellation of any alleged billing agreement with this merchant Assurance that my account is secure and protected from further unauthorized transactions PayPals failure to properly investigate and validate authorization, while continuing to hold me responsible for these charges, is unacceptable and places consumers at financial risk. I respectfully request that the Consumer Financial Protection Bureau intervene to ensure a fair and thorough resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
b'They keep calling me and bothering about debt that I dont know nothing about none stop calling'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 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: TX

Complaint narrative:
Account Information Being Disputed : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XXXX LEGAL BASIS FOR DISPUTE This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681c-2 - Requires credit reporting agencies to block and remove information resulting from identity theft 15 U.S.C. 1681i - Requires a reasonable reinvestigation within 30 days 15 U.S.C. 1681e ( b ) - Requires maximum possible accuracy of reported information Because this account is fraudulent, it must be immediately blocked and removed from my credit file. FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: CA

Complaint narrative:
I'm submitting this complaint regarding the servicing and origination of my private student loan, which has resulted in significant and ongoing financial harm. In XX/XX/year>, I refinanced approximately {$150000.00} in federal student loans into a private loan. At the time, this decision was made based on guidance and positioning that refinancing would be a beneficial financial move. However, this resulted in the loss of critical federal protections, including income-driven repayment options and loan forgiveness programs. Following this refinance, my loan was serviced in a manner that materially worsened my financial position. Over the past several years, I made substantial payments toward my loan. To date, I have paid approximately {$49000.00} in total. However, despite these payments, only {$9600.00} has been applied to principal, while approximately {$39000.00} has gone toward interest. My current balance is now approximately {$150000.00}, which exceeds my original loan amount. This outcome is deeply concerning. Despite consistent efforts to manage my debt responsibly, my principal balance has barely decreased, and in fact has increased over time. A key driver of this outcome was my repeated placement into forbearance programs. During these periods : - Interest continued to accrue - Accrued interest was capitalized into my principal- My balance grew significantly despite prior payments At no point was I clearly guided toward a structured repayment strategy that would meaningfully reduce my principal. Instead, forbearance was used in a way that caused avoidable balance growth. I believe this reflects a pattern of harmful servicing decisions. Specifically : - I was not adequately guided on the long-term consequences of repeated forbearance - I was not presented with viable alternatives that could have reduced principal - Servicing actions prioritized short-term payment relief over long-term financial impact ( I have evidence of all of the above ) Additionally, when viewed in combination with the initial refinance, this situation is even more concerning. I was first placed into a private loan product that removed key borrower protections, and then subsequently serviced in a way that amplified my financial burden. The result has been not only financial harm, but also significant XXXX and XXXX XXXX which has led to serious XXXX XXXX XXXX ( evidence of hospitalization and XXXX XXXX XXXX damage ). Making tens of XXXX XXXX XXXX in payments while watching my balance stagnate or grow has been extremely discouraging and destabilizing. It has impacted my financial planning, sense of progress, and overall well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: MI

Complaint narrative:
To Whom It May Concern, I am writing in response to your [ letter/phone call ] ] regarding the alleged debt referenced above. This is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g Sec. 809 ( b ), I am requesting that you provide me with competent evidence that I have any legal obligation to pay you. Please provide the following : The name and address of the original creditor. The original account number. The total amount of the debt and how it was calculated. Proof that you are licensed to collect debts in my state. Documentation showing the debt actually belongs to me. If you do not produce this information within 30 days, I demand that you cease all collection activity and remove any reporting from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Earnest Inc.
State: CA

Complaint narrative:
Hello- I'm submitting this complaint regarding the servicing and origination of my private student loan, which has resulted in significant and ongoing financial harm. In XX/XX/year>, I refinanced approximately {$150000.00} in federal student loans into a private loan. At the time, this decision was made based on guidance and positioning that refinancing would be a beneficial financial move. However, this resulted in the loss of critical federal protections, including income-driven repayment options and loan forgiveness programs. Following this refinance, my loan was serviced in a manner that materially worsened my financial position. Over the past several years, I made substantial payments toward my loan. To date, I have paid approximately {$49000.00} in total. However, despite these payments, only {$9600.00} has been applied to principal, while approximately {$39000.00} has gone toward interest. My current balance is now approximately {$150000.00}, which exceeds my original loan amount. This outcome is deeply concerning. Despite consistent efforts to manage my debt responsibly, my principal balance has barely decreased, and in fact has increased over time. A key driver of this outcome was my repeated placement into forbearance programs. During these periods : - Interest continued to accrue - Accrued interest was capitalized into my principal- My balance grew significantly despite prior payments At no point was I clearly guided toward a structured repayment strategy that would meaningfully reduce my principal. Instead, forbearance was used in a way that caused avoidable balance growth. I believe this reflects a pattern of harmful servicing decisions. Specifically : - I was not adequately guided on the long-term consequences of repeated forbearance - I was not presented with viable alternatives that could have reduced principal - Servicing actions prioritized short-term payment relief over long-term financial impact ( I have evidence of all of the above ) Additionally, when viewed in combination with the initial refinance, this situation is even more concerning. I was first placed into a private loan product that removed key borrower protections, and then subsequently serviced in a way that amplified my financial burden. The result has been not only financial harm, but also significant XXXX and XXXX XXXX which has led to serious XXXX XXXX XXXX ( evidence of hospitalization and XXXX XXXX XXXX damage ). Making tens of thousands of dollars in payments while watching my balance stagnate or grow has been extremely discouraging and destabilizing. It has impacted my financial planning, sense of progress, and overall well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Someone send me {$10.00} by XXXX then this person made a dispute to her bank. My bank cancel me my 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 explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to formally lodge a complaint regarding an international money transfer I initiated through Abound, a service associated with the Times of XXXX XXXX XXXX I initiated this transfer from the United States to XXXX approximately XXXX month ago. However, the funds have still not been delivered to the intended recipient, and the transaction status continues to show as incomplete/not sent. Despite repeated follow-ups with their customer support team via email, I have not received any satisfactory resolution. Their responses have been generic and repetitive, consistently advising me to " wait for XXXX week, '' without providing any concrete explanation, timeline, or accountability. There is also no accessible customer service phone number, which further limits the ability to resolve this issue effectively. This ongoing delay has caused significant stress and concern, as the amount involved is substantial and the intended recipient has not received the funds even after a month. Below are the key details of the transaction : Transaction ID : XXXX Date of Initiation : XX/XX/year> Amount Transferred : {$5300.00} Sender Location : United States Recipient Location : XXXX I respectfully request the following actions : Immediate investigation into this transaction. Either successful completion of the transfer to the intended recipient or a full refund of the amount to my account. Appropriate action to ensure that such incidents do not occur with other consumers. Given the lack of transparency, delayed service, and absence of proper customer support, I request your intervention in resolving this matter at the earliest. Please let me know if any additional information or documentation is required from my side. Thank you for your attention to this urgent matter. Sincerely, [ Your Full Name ] [ Your XXXX XXXX ]

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Greenberg, Grant & Richards Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding the handling, validation, and collection practices related to two alleged XXXX/ XXXX XXXX XXXX loans associated with my company, XXXX XXXX XXXX, XXXX, for which I am alleged to be a personal guarantor. From the outset, the information provided by the debt collector ( Greenberg , Grant & Richards Inc. ) was inconsistent, incomplete, and misleading. Initially, I was presented with what appeared to be a single account, with conflicting balances provided across different communications. After I formally disputed the debt in writing and requested validation, the collector did not provide clear or complete information. Instead, I was directed to complete a fraud process, despite clearly stating that I was disputing the validity and amount of the debtnot alleging identity theft or fraud. After I reiterated my request for validation, the collector indicated they would request information from their client, but still did not provide a clear or complete response at that time. Subsequently, the collector introduced the existence of two separate loan accountssomething that had not been clearly identified or validated in prior communications. This significantly changed both the structure and total amount of the alleged debt. Throughout this process : * The number of accounts and balances presented were inconsistent and changed over time * The collector failed to clearly identify and validate each account when initially requested * Documentation was provided in a delayed and piecemeal manner * A settlement offer was made before the debt was clearly and consistently validated * I was redirected to a fraud process instead of receiving proper validation of the debt While documents were eventually provided, they were not provided in a clear, timely, or consistent manner, and earlier communications were materially incomplete and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I would like to provide additional information in support of my complaint. For clarity, the original wire transfer in the amount of {$10000.00} was initiated on XX/XX/year>, from my account at XXXXXXXX XXXX Capital One customer service has advised that the funds were returned to the remitter, following the closure of the account on XX/XX/XXXX. This information was provided to the account holder and is reportedly based on their internal system status. However, they have been unable to supply any supporting details, including the method of return, transaction reference number, XXXX number, or confirmation of completion. In addition, the representative confirmed that their response is based solely on an internal system entry, with no further transactional records available to verify how or where the funds were returned. XXXX XXXX has confirmed that no returned wire, incoming funds, or pending credits matching this transaction have been received. This creates a clear discrepancy between Capital Ones assertion that the funds were returned and the absence of any corresponding record or trace on the receiving banks side. Given this situation, I respectfully request documented proof of the return, including the exact method used, destination account or institution, date of processing, and all associated transaction or trace reference numbers.

Company response to consumer: Closed with explanation