vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am filing this complaint after more than a year of unsuccessful attempts to resolve a persistent technical failure with my PayPal account through standard customer support channels. Since approximately XX/XX/year>, I have been unable to complete most transactions using PayPal across a wide range of merchants ( including major national retailers ). When selecting Pay with PayPal, I am briefly redirected to my PayPal wallet, but the session immediately fails and redirects to a generic error page stating that PayPal is not available. This occurs before I can select a funding source, and no transaction is ever completed. Critically, PayPal representatives consistently state that they see no declined transactions on my account. This is because the failure occurs prior to transaction processing. As a result, support agents repeatedly misclassify the issue and are unable to troubleshoot or escalate it appropriately. Over the past 12+ months, I have : Opened numerous support tickets and chat sessions ( over a dozen documented cases ) Contacted PayPal by phone multiple times, including escalation to a supervisor who promised follow-up that never occurred Repeated all recommended troubleshooting steps ( multiple browsers, devices, networks, clearing cache/cookies, disabling VPN, using different merchants XXXX etc. ) Provided screenshots, URLs, and detailed examples of failed transactions Despite this extensive effort : Tickets are routinely closed without resolution or follow-up I receive inconsistent and contradictory explanations ( merchant issue, security block, technical issue, PayPal Credit issue , etc. ) No meaningful escalation to a technical or engineering team has occurred I have effectively lost the ability to use PayPal as a payment method This issue is clearly systemic and account-specific : It occurs across virtually all merchants and devices It has persisted for over a year It prevents normal use of PayPal services despite my account being in good standing PayPals failure here is not just technicalit is a breakdown in customer support and escalation processes. I have been repeatedly routed through ineffective front-line support with no access to a team capable of diagnosing or resolving the issue. I have accumulated 37 pages of customer support chat transcripts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing a formal complaint regarding serious inaccuracies and a potential mixed file or identity theft issue on my Equifax credit report. My personal identifying information is incorrect. My date of birth is being reported as XX/XX/XXXX. This has never been my date of birth. My correct date of birth is XX/XX/XXXX. I have submitted copies of my drivers license multiple times to correct this error, but it has not been properly updated. Additionally, there are multiple accounts reporting on my credit file that do not belong to me, including both open and closed accounts with negative payment histories. The accounts in question include, but may not be limited to : - XXXX XXXX account ending in XXXX, reporting a balance of approximately {$11000.00} - XXXX account ending in XXXX ( closed, showing late payments ) - XXXX account ending in XXXX ( closed, showing late payments ) - XXXX XXXX account ending in XXXX ( closed, showing multiple late payments ) - XXXX XXXX XXXX XXXX account ending in XXXX ( closed, showing multiple late payments ) These accounts are not mine. I did not apply for, authorize, or use these accounts, and I have not made any payments on them. Despite previous disputes, these accounts remain on my credit report or continue to reappear. Combined with the incorrect date of birth, this strongly indicates a mixed file or identity theft situation. I am requesting the following : XXXX. Immediate correction of my personal identifying information, including my date of birth, to reflect my accurate information. XXXX. A full investigation and removal of all accounts that do not belong to me. XXXX. A complete review of my credit file for a mixed file condition and separation of any data belonging to another individual. XXXX. Permanent blocking of all fraudulent accounts under the Fair Credit Reporting Act ( FCRA ) identity theft provisions. XXXX. Written confirmation of all corrections made and documentation of the results of your investigation. I have made multiple prior attempts to correct these errors and have provided identification documents, yet the inaccuracies persist. This failure to correct my credit file is causing ongoing harm to my financial standing. If necessary, I am prepared to provide a Federal Trade Commission Identity Theft Report and any additional supporting documentation. This matter requires immediate attention and resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Unfair Account Closure and Denial of Due Process The Problem : My Cash App account was closed on Wednesday XX/XX/2026 for allegedly violating the Terms of Service. I filed a formal appeal on Wednesday XXXX XXXX, which was subsequently denied on Monday XXXX XXXX. Despite my requests, Cash App ( Block , Inc. ) has refused to provide a specific reason or identify which policy was supposedly violated. I have used this account for personal, non-commercial purposes. My account was in good standing with no history of fraud, disputes, or chargebacks. I suspect the closure may be due to automated flags on " subject field '' notes included by a personal contact. These notes were intended as jokes between friends and do not represent any actual illegal or prohibited transactions. Cash App accepted and processed these transactions at the time, only to later penalize me without a clear explanation or evidence of a real violation. I request that Cash App conduct a human review of my account activity and reinstate my account. If reinstatement is not possible, I request a detailed written explanation of the specific transaction or policy that led to this permanent ban so I may clear my name of any " prohibited activity '' flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alorica Inc.
State: CA

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> I received a letter about not being able to open a account with Citibank reasons previous relationship which was opened to identity theft i have never had this bank authorized and they have the police report and identity theft report when attempting as well as ftc report which they are filed under they are not allowing me to open a checking account when providing my id and eligible ness with a account for them

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 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bounce AI, Inc.
State: CA

Complaint narrative:
I am filing a formal complaint against Bounce AI , Inc. for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692f ( 1 ), regarding the unauthorized addition of interest and fees to an account they claim to own ( Reference # XXXX ) .According to a Notice of Assignment/Sale sent to me by the prior servicer ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) , my account was charged off on XX/XX/year>, with a balance of {$10000.00}. The notice explicitly states that Bounce AI , Inc. did not purchase or acquire this debt until XX/XX/XXXX, XXXXHowever, Bounce AI 's own transaction history for this account shows that on XX/XX/XXXX, XXXXmore than a month before they legally owned the XXXX added an unauthorized charge of {$930.00} labeled " Interest at XXXX XXXX '' and " Update XXXXXXXX XXXX XXXXXXXX in Contract. " Bounce AI had no legal authority to modify the terms of my contract or assess interest on an account they did not yet own. Furthermore, the original line of credit agreement with XXXX XXXXXXXX XXXX did not authorize this specific post-charge-off interest assessment by a third-party debt buyer.Additionally, Bounce AI XXXXs currently reporting a balance of {$9700.00} to the credit bureaus. This balance mathematically contradicts both the {$10000.00} charge-off balance and their own transaction history, which shows only one successful payment of {$240.00} was ever made. They are reporting inaccurate balance information in violation of the Fair Credit Reporting Act ( FCRA ) .I am requesting that the CFPB investigate these unauthorized interest charges and inaccurate balance reporting. I demand that Bounce AI immediately cease collection of this invalid amount, provide a full accounting of how the {$9700.00} balance was calculated, and delete the inaccurate tradeline from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: NJ

Complaint narrative:
I am not liable for this debt with ( XXXX XXXX ) I do not have a contract with ( portfolio recovery ) They did not provide me with the original contract as requested. Please delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute the erroneous reporting of XXXX derogatory accounts under CB/VICSCRT on my credit report. My date of birth is XX/XX/XXXX, and the last four digits of my Social Security Number are XXXX. The accounts in question are both referenced with the account number ending in XXXX and are reported as derogatory on my XXXX and XXXX credit reports, despite both having a XXXX balance. On XX/XX/XXXX, I previously filed a dispute regarding incorrect details through an automated dispute process, which did not resolve the issue. The accounts continue to negatively impact my credit scores, which are currently XXXX with XXXX XXXX with XXXX and XXXX with XXXX The status of these accounts as derogatory is incorrect and unjustified, as both accounts report a XXXX balance, indicating no outstanding debt. The continued presence of these derogatory accounts on my credit report is causing substantial harm to my financial health, impacting my ability to secure credit and resulting in higher interest rates. This situation is highly distressing and unfairly tarnishes my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and have it corrected or removed from my credit report. Despite my previous efforts to dispute this matter, the inaccuracies remain unresolved. I am requesting that CB/VICSCRT conduct a thorough investigation into these accounts and confirm that they are inaccurately reported as derogatory. I am seeking the complete removal of these accounts from all three credit bureausXXXX XXXX XXXXnd XXXX reflect a true and accurate depiction of my credit history. I trust that CB/VICSCRT will take immediate action to rectify this error and uphold my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NJ

Complaint narrative:
I am not liable for this debt with ( XXXX XXXX XXXX XXXX ) I do not have a contract with ( FIRST CREDIT ). They did not provide me with the original contract as requested. Please delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to notify you that I am a victim of identity theft and to dispute fraudulent accounts appearing on my credit report. my information also was stolen and leaked in a data breach with my social security number and diver license. I did not authorize or open the following accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ( multiple accounts ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX These accounts are not mine and were opened without my knowledge or consent. under code 15 USC 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: NJ

Complaint narrative:
I am not liable for this debt with ( XXXX XXXX XXXX ) I do not have a contract with ( Midland Credit Management ). They did not provide me with the original contract as requested. Please delete this account from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
In early XXXX, I began an XXXX vehicle lease with Nissan Motor Acceptance Corporation ( NMAC ) for a XXXX XXXX XXXX XXXX XXXX The lease had a maturity date of XX/XX/XXXX. Throughout the lease, I made all payments on time with XXXX exception. In XX/XX/XXXX, I was unable to make my payment through the XXXX online portal because my account had been temporarily locked after multiple login attempts. I received an on-screen message stating that my account was locked due to multiple incorrect login attempts and that I should try again later or complete email verification. I called NMAC customer service multiple times to resolve the account lockout and restore my access so I could make the payment. Despite my efforts, the issue was not resolved before the payment went 30 days past due. As soon as my access was restored, I immediately submitted the full payment. Every payment before and after this incident was made on time XXXX out of XXXX payments across the life of the lease were current. I returned the vehicle on XX/XX/XXXX, at XXXX XXXX XXXX, ahead of the XX/XX/XXXX maturity date. The vehicle was returned in excellent condition the end-of-lease liability statement dated XX/XX/XXXX shows zero excess wear and tear charges, XXXX excess mileage charges, XXXX late charges, and XXXX remaining rent only the standard {$390.00} disposition fee. Despite this near-perfect payment history and clean lease completion, NMAC continues to report a single XXXX late payment for XX/XX/XXXX on my XXXX credit file. This is the only derogatory mark on my entire credit report. The account is closed, fully paid, and has a XXXX balance. I submitted a written dispute to NMAC requesting a goodwill removal of this entry, explaining the circumstances of the account lockout and my multiple calls to customer service to resolve it. I was advised by an NMAC representative to submit this written request. I did not receive a substantive response, and the late payment continues to be reported. I am not disputing that the payment was received after its due date. What I am asking is that NMAC exercise goodwill in removing this single isolated late payment from a closed account with an otherwise perfect history, given that the lateness resulted from a technical issue with NMAC 's own online payment platform that I actively attempted to resolve through multiple customer service calls. This single late payment entry is the only derogatory information on my entire credit report and is disproportionately affecting my credit score. The negative impact of this XXXX entry does not reflect my actual creditworthiness or my payment behavior, which was exemplary across XXXX of XXXX months and included an early, clean vehicle return with no damage or excess mileage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check physically at an ATM into my BMO Checking Account for {$10000.00} on XX/XX/year> and was told there would be a XXXX business day hold on all of the funds. I had no access to any of it despite federal regulation CC. When I asked why they sent a letter saying they had confidential information leading them to believe that the funds would not be honored by the issuing bank. The funds were issued by XXXX XXXX ( the issuing bank ) on XX/XX/year>. When I inquired about where the funds were XXXX days later BMO claimed they were still verifying them with XXXX XXXX. XXXX XXXX said this was not the case. So BMO held my {$10000.00} for XXXX business days and give me access to the funds on XX/XX/year> causing me a great deal of financial trouble. I was hung up on XXXX times when asking representatives from the bank for information, politely and calmly. They had no answers and made no effort to answer my questions.

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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: MS

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX Pl XXXX, XXXX XXXX Date : XX/XX/year> To : AND Florida Attorney General Consumer Protection Division Consumer Financial Protection Bureau ( CFPB ) RE : FORMAL COMPLAINT UNLAWFUL COLLECTION BY PENN CREDIT CORPORATION Account ID : XXXX Creditor : Florida Department of Transportation ( FDOT ) Amount : {$21.00} SUMMARY OF COMPLAINT I am filing this complaint against Penn Credit Corporation and the Florida Department of Transportation ( FDOT ) for unlawful, inaccurate, and deceptive debt collection practices regarding an alleged unpaid toll account. FACTUAL BACKGROUND XXXX. I maintain an active XXXX account that is current and reflects a XXXX balance. XXXX. My most recent toll payment was made on XX/XX/year>, in the amount of {$3.00}, and all obligations were satisfied. XXXX. I have never received any prior bill, invoice, or notice from XXXX indicating any unpaid tolls before this account was sent to collections. XXXX. On XX/XX/year>, I received a collection notice from Penn Credit Corporation demanding {$21.00}, including a {$6.00} collection fee. XXXX. This account was improperly and prematurely referred to collections without proper notice or verification. VIOLATIONS The actions of Penn Credit Corporation and FDOT constitute violations of federal and state law, including but not limited to : - Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f - Failure to provide proper notice prior to collection - Attempting to collect an amount not owed - Imposition of unauthorized fees DEMAND FOR RELIEF I demand the following : 1. Immediate investigation of this matter 2. Immediate deletion and closure of this alleged account 3. Removal of any collection activity or reporting related to this account 4. Written confirmation that no balance is owed Failure to correct this matter will result in further legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I am the court-appointed Administrator for my late sister 's estate. I submitted a formal request for information regarding the account 's 1098 tax form and online access permissions. Despite being recognized as the authorized administrator for over two years, Shellpoint has failed to fulfill this request. On XX/XX/year>, representative " XXXX XXXX '' explicitly denied my authorization, contradicting previous confirmations. This failure to provide access to tax documents is preventing the completion of estate tax filings. I am a confirmed Successor in Interest and am entitled to this information under CFPB servicing rules.

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