vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
* * Complaint Against PayPal Improper Denial of Purchase Protection Claim * * PayPal Case Number : XXXX XXXX XXXX Number : XXXX Transaction Date : XX/XX/year> Amount : {$3200.00} I am filing this complaint regarding PayPals improper denial of my Purchase Protection claim related to the above-referenced transaction. The payment was made for what was represented as an authentic collectible card. The item I received was counterfeit and therefore significantly not as described. PayPal denied my claim under Case # XXXX on XX/XX/year>, stating that the item was allegedly intended for resale and therefore excluded from coverage. However, PayPal has provided no specific evidence demonstrating that this particular item was purchased for resale. Instead, PayPal appears to have relied on a generalized assumption that because my account is classified as a Business account and I sell collectible cards, any similar purchase must be for resale. This conclusion is speculative and unsupported. Specifically : 1. PayPal did not provide documentation showing this item was listed or prepared for resale. 2. Selling similar items does not establish resale intent for every purchase. 3. Business account holders may also make purchases for personal collection, authentication, grading, or investment purposes. 4. The primary issue that the item rece ived was counterfeit was not meaningfully evaluated in the denial. PayPals application of its Purchase Protection exclusion appears arbitrary and lacks transaction-specific evidence. Denying a counterfeit goods claim based solely on account classification or generalized business activity raises concerns about inconsistent or unfair claim practices. I am requesting : Written documentation identifying the specific evidence relied upon to determine resale intent for this transaction. Clarification of how PayPal distinguishes between resale inventory and personal or collectible purchases made by business account holders. Reconsideration of this claim based on the counterfeit nature of the merchandise received. I respectfully request regulatory review of PayPals claim determination process in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
I was charged a 3 % fee on all my debit card transactions to one imparticular merchant without my knowledge. There is no way for me to know that a merchant is based oversees therefore why isnt the fee disclosed before my purchase. When I pd for the service it was just like any other online transaction. I had no wah of knowing this merchant was based internationally. Then regions hits me with XXXX of dollars in what they call visa international fees and refuses to reimburse me. These charges where made online. I wasn't in a different country and tried to use my debit card.

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 2026-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This inquiry reflects an error as I did not authorize any such review.

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 2026-03-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: TX

Complaint narrative:
In XXXX, I received a debt collection letter from Credit Control , LLC with my name and address on the letter. The letter advises they are collecting for an account with XXXX XXXX amount was for {$1600.00}. When I called Credit Control , LLC, I learned that ( allegedly ) someone went into an XXXX XXXX on XX/XX/2025 and opened a XXXX XXXX account and charged that account for an XXXX XXXX XXXX XXXX. They provided me with the account number as well. When I informed them that I've never opened or had a XXXX XXXX account, Credit Control , LLC directed me to XXXX ( which is the parent company of XXXX XXXX ) and stated that they flagged the account as Fraud. I went to XXXX to fill out their Fraud Form, however, XXXX requires that I provide a police report and as much details of the crime as possible or my Fraud claim would be dismissed. When I called XXXX and spoke to their Fraud department to get more information about what information the account contains ( to find out about all information that was stolen ), they told me that they do not have access and that I would need to call XXXX XXXX directly. When I called XXXX XXXX and provided the account number and explained that the account was fraudulently opened in my name, they told me that the account was UNVERIFIED and I would need to verify the account in order to get information. The account verification REQUIRES that I say the account belongs to me. I've looked at my credit reporting and, so far, this account does not appear under my name. I've had no unexplained charges to my credit card or debit card. XXXX XXXX, through an XXXX XXXX, allowed an UNVERIFIED purchase of a thousand-dollar device, allegedly in my name, with ( apparently ) no further details than my name and address. They then refuse to provide any further information about what information of mine was stolen and demand that I verify a fraudulent account belongs to me before they will provide the information that I need to fill out their fraud claim forms.

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 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: IL

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM 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 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 2026-03-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
Fully pays off balance but instruct still occurs days after payment cause the closed account to keep adding balance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: ID

Complaint narrative:
I am writing to file a formal complaint against the Army and Air Force Exchange Service ( AAFES ) credit service, the provider of the Military STAR card, due to their unfair and predatory debt collection practices. Despite having already collected a total of {$4700.00}, which is significantly more than the original debt of {$3600.00}, AAFES is continuing to garnish my wages and charge interest. Here is a summary of the events : Wage Garnishment : {$1400.00} was garnished from my drill Leave and Earning Statement ( LES ). Tax Return Offset : On XX/XX/year>, {$3200.00} was taken from my federal tax return through the Treasury Offset Program. Overpayment : To date, AAFES has collected {$1000.00} more than the original debt amount. Continued Collection and Interest : When I contacted Military STAR customer service, I was informed that they would continue to collect money from my wages because they have not yet received the payment from the XXXX Treasury. They also stated that they will continue to charge interest on the account and I will have to wait for a positive balance to be reflected before they will issue a refund. Third-Party Collection Agency : I was also informed that they have involved a third-party collection agency, XXXX XXXX XXXX ( XXXX XXXX XXXX and that I will be responsible for paying XXXX 's fees as well. I believe these actions are in violation of fair debt collection practices. AAFES is essentially holding my overpayment XXXX while continuing to charge interest and employ a third-party collection agency. This has caused me significant financial distress. I have attempted to resolve this with XXXX XXXX customer service to no avail. I request that the CFPB investigate this matter and compel AAFES to : Immediately cease all wage garnishment. Refund the overpayment of {$1000.00}. Cease all interest charges on this account. Recall the debt from the third-party collection agency, XXXX, and absolve me of any of their fees. I have attached all relevant documentation to support my claim. I look forward to your prompt attention to this matter.

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I went to XXXX XXXX on XX/XX/year> and played a few games and then decided to go to the ATM to withdraw {$200.00} and after doing the transaction and receiving the money my card got stuck in the machine. After someone helped me take the card out I doubled checked the machine and walked away. The next day I checked my bank app and noticed there was two of the same transactions with the same transaction numbers for {$200.00} each. I called the bank and they said I couldnt do nothing because it was pending. I called once it cleared and put in a dispute and gave the money back and then 7 days later they charged me the money again and denied my dispute. Upon calling the XXXX to get information I was informed that they were closed down permanently. I went to the bank and was told that there was nothing they can do for me even though I only received the money once. Upon looking in my app I noticed that the transactions have the same transaction numbers but they would not refund me. Im asking for a regulation error review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
To Whom It May Concern, I am the representative payee for my father, and I am filing a formal XXXX complaint regarding mishandling of fiduciary funds and loss of case documentation by Truist. In XX/XX/XXXX, a legitimate check issued for my fathers benefit was marked as fraud by Truist when I attempted to deposit it while establishing a representative payee account. I completed the requested fraud verification process, and Truist approved reissuance of the check. The replacement check was then mailed by Truist to an incorrect address. This misdelivery was due to bank error. I provided my correct address to the branch XXXX via email on XX/XX/XXXX. On XX/XX/XXXX, I contacted Truist for a status update and was informed by a supervisor that : No fraud case notes exist after XX/XX/XXXX No reissue approval is visible The only recent record is an address change dated XX/XX/XXXX As a result of XXXX actions and record failures, my father has been without {$1000.00} of needed fiduciary funds since XX/XX/XXXX. This matter involves representative payee funds for a vulnerable beneficiary and requires immediate resolution. I am requesting : Immediate investigation of the missing fraud case and reissue records Expedited reissuance of the {$1000.00} funds Written confirmation of resolution Please treat this as a priority fiduciary funds complaint. I am prepared to provide documentation of prior communications and fraud verification if needed. Sincerely, XXXX XXXX Representative XXXX for 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 2026-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: TX

Complaint narrative:
I am a 100 % XXXX veteran and no longer pay property taxes in Texas. I was award my XXXX in XX/XX/XXXX with an effective date of XX/XX/XXXX. XXXX XX/XX/XXXX- sent an email to XXXX XXXX customer service and escrow department to remove my escrow due to 100 % exemption. They replied acknowledging receipt of my request. XXXX XX/XX/XXXX- XXXX XXXX sent a letter to XXXX XXXX notifying of a refund on my property taxes. At present, XXXX XXXX has not responded. XXXX XX/XX/XXXX- I sent a follow up email, no response. XXXX XX/XX/XXXX- another email sent stating I was frustrated that no one has responded and let them know I was going to file a grievance. They then responded asking for documentation which I sent on XXXX XX/XX/XXXX. XXXX XXXX did not respond to the documents. I also noticed on this day that my Mortgage payment increase to make up a negative balance due to XXXX XXXX sending an overpayment to XXXX XXXX. XXXX XX/XX/XXXX- I sent a follow up email, no response. I then contacted my original mortgage company for assistance ( XXXX XXXX ). They reached out and reduced my payment back to orginal amount but still did not reflect a reduced escrow for no taxes. Today - there is still no movement on my request and XXXX XXXX has been waiting for a response from them for over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: OH

Complaint narrative:
XX/XX/year> Credit Karma froze my account and is now closing it. I am not able to withdraw my funds to an external account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I received three letters from Truist. I have no accounts there and never have. Someone is trying to open a deposit account ( s ) under my name. I called the bank and they could not help me because I wouldn't give them my full Social Security #.

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 2026-03-03 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: SC

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 U.S Code XXXX - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am disputing the following accounts on my credit report with TransUnion, as I believe there are discrepancies that need to be corrected. The details of these accounts are as follows : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries : XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: TX

Complaint narrative:
Validation of Debt Request - XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Second Notice of Dispute & Demand for Method of Verification Creditor : XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern : I am in receipt of your response stating that XXXX XXXX XXXX verified the above-referenced account and that additional information was provided. I formally dispute this conclusion. Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I am requesting a complete description of the method of verification used to determine the accuracy of this account. Specifically, please provide : 1. The name, title, and direct contact information of the individual at XXXX XXXX XXXX who verified this account. 2. The date and time the verification was completed. 3. A description of the specific documents reviewed to verify accuracy ( including the original signed contract, complete payment history, and chain of assignment from the original creditor ). 4. The exact data fields that were confirmed during your reinvestigation. 5. A copy of the Automated Consumer Dispute Verification ( ACDV ) form or equivalent electronic communication sent and received during the investigation. A generalized statement that the account was verified does not satisfy the FCRA requirement of a reasonable reinvestigation. If you are unable to provide documented proof bearing my signature or complete validation of XXXX XXXX XXXX legal right to report and collect this debt, the account must be immediately deleted pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). Failure to conduct a reasonable investigation after notice of dispute constitutes a violation of the Fair Credit Reporting Act. If this matter is not resolved within 15 days of receipt of this letter, I will pursue additional remedies available to me under federal law. Please respond in writing. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX, I submitted a complete Identity Theft Block Request to TransUnion pursuant to FCRA Section 605B. TransUnion initially informed me that my submission was invalid and instructed me to resubmit documentation. At TransUnions request, I submitted a second complete 605B identity theft packet. This submission included : FTC Identity Theft Report Police report Government-issued identification Proof of current address A detailed list identifying each fraudulent tradeline This submission was expressly made under FCRA Section 605B and was not a standard dispute under FCRA Section 611. Under FCRA Section 605B, once a consumer reporting agency receives a valid identity theft report and required identification documentation, it must block reporting of information resulting from identity theft within four business days. Despite being provided the required documentation twice, TransUnion refused to process my request as a 605B block and continues to report the following identity theft accounts : XXXX XXXX XXXX XXXX ( as reported on my credit file ) XXXX XXXX ( as reported on my credit file ) These tradelines were clearly identified in my identity theft report and supporting documentation. The same identity theft report and supporting documentation were accepted by XXXX, which blocked the fraudulent accou nt ( s ). This confirms that my identity theft report met statutory requirements. The following CFPB complaints were previously filed regarding these matters : CFPB Complaint No. XXXX ( XXXX ) CFPB Complaint No. XXXX ( XXXX ) CFPB Complaint No. XXXX ( XXXX ) TransUnion has been on notice multiple times that these accounts are the result of identity theft. Despite this, TransUnion continues reporting them. As of XX/XX/XXXX, TransUnion remains noncompliant with FCRA Section 605B.

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 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MA

Complaint narrative:
I had an unauthorized XXXX charge placed in my account from a company XXXX XXXX XXXX that I have never ordered from. After freezing the card another XXXX charge was attempted but I had froze the card. Chime is not contacting the merchant at all for any additional information

Company response to consumer: Closed with explanation