vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OK

Complaint narrative:
I am filing this complaint against PayPal regarding a transaction in which I was the victim of a confirmed scam, yet PayPal has refused to issue a refund despite clear evidence. I purchased an item through XXXX, and the seller later provided a tracking number as proof of shipment. However, this tracking number was fraudulent and not associated with my name or address. Although the tracking showed as delivered, it was delivered to a different recipient at a different address. I contacted XXXX directly, and they confirmed that the tracking number provided by the seller was not addressed to me and was unrelated to my purchase. I submitted this documentation to PayPal as part of my dispute and appeal. Despite this evidence, PayPal denied both my initial claim and my appeal, relying solely on the fact that the tracking number showed delivered, without verifying whether it was actually delivered to me. Additionally, XXXX has since banned this seller for fraudulent activity, further validating that this was a scam transaction. I included this information in my appeal as well. PayPals refusal to consider verified carrier confirmation and marketplace enforcement actions demonstrates a failure to properly investigate disputes and uphold its Buyer Protection policies. Their decision leaves me financially responsible for a transaction in which I did not receive the purchased item and was clearly defrauded. I am requesting that PayPal : Reopen and properly investigate this case with consideration of all provided evidence. Issue a full refund for the transaction. Improve its dispute resolution process to prevent similar outcomes for other consumers, particularly in cases involving fraudulent tracking number scams. I believe PayPals handling of this case is unfair and inconsistent with consumer protection standards, and I am seeking assistance in resolving this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding a {$10000.00} fraudulent transaction sent from my Chase account to another Chase account as a result of a scam. This transaction was an authorized push payment made under fraudulent inducement ( commonly referred to as APP fraud ). While I initiated the transfer, it was done based on deception by individuals engaging in a scam. I have provided documentation supporting this, including communications and transaction details. Immediately upon realizing the fraud, I contacted Chase. A branch manager assisted me in placing a real-time fraud alert on the recipient account, successfully freezing outgoing transactions. This confirms that Chase identified suspicious or fraudulent activity associated with the receiving account and took action to restrict it. Despite this, my claim for reimbursement was denied. Given that : The receiving account is also held within Chase Chase was able to intervene and freeze the account The fraud was documented and reported promptly Law enforcement reports have been filed ( XXXX, FTC, and local police ) I believe Chase has the ability and responsibility to attempt recovery of the funds or provide reimbursement, especially considering the internal nature of the transfer and the confirmed fraudulent activity on the recipient account. I am requesting : A full review of this case under fraud and loss mitigation procedures Confirmation of whether funds remained in the recipient account at the time it was frozen Details of any recovery actions taken by Chase A clear explanation of the denial of my claim despite evidence of fraud Reimbursement or recovery of the {$10000.00} This situation has caused significant financial hardship. I am requesting that Chase take appropriate action to resolve this matter fairly and in accordance with consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
Formal Dispute of Inaccurate Collection and Charge-Off Accounts Under FCRA I am writing to formally dispute inaccurate and unverified accounts currently reporting on my credit file. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am requesting a full investigation and deletion of the following accounts due to incomplete, inaccurate, and unverified reporting. Accounts in Dispute : Credence Resource Management Original Creditor : XXXX XXXX XXXX ; Account Number : XXXX Reported Balance : {$760.00} Under the Fair Credit Reporting Act, The original signed contract or agreement Proof of assignment or purchase of the alleged debt ( for collection accounts ) Complete payment history from the original creditor Documentation verifying the amount reported Evidence the reporting party has the legal authority to collect or report the debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TN

Complaint narrative:
To Whom It May Concern in the Relations Department, This is regarding an account placed on my credit report by CREDIT COLLECTION SERVICES {$240.00} I dispute this debt in its entirety and assert that I do not owe this amount and this account does not belong to me. Furthermore is in possession of my personal information without my consent, which may constitute a violation of federal privacy and consumer protection laws. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ), you are required to send a written notice of the debt, including the name of the creditor, the amount owed, and a clear statement of my right to dispute the debt within 30 days. I did not receive such notice. This failure constitutes a direct violation of federal law. I request that CREDIT COLLECTION SERVICES immediately DELETE this account from all consumer credit reports to which it has been furnished, including XXXX XXXX XXXX XXXX. I have no contractual agreement with your company, and no obligation to pay any amount has been established. If this debt originated with another creditor, I demand that the account be returned to the original creditor and that you provide legally sufficient verification of the debt. As outlined by the FDCPA and XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), I am requesting the following : 1. A complete itemized payment history, including the date and nature of all charges and payments. 2. A copy of a signed contract bearing my wet signature as evidence of a binding agreement. 3. A copy of government-issued photo identification allegedly used to open the account. 4. The full Social Security Number associated with the account to verify the identity of the person you claim owes this debt. Statements or billing summaries do not meet the legal standard of verification. I require an affidavit or sworn statement attesting to the authenticity and accuracy of the debt. This letter also serves as a formal cease and desist demand under 15 U.S. Code 1692c ( c ). You must immediately terminate all collection activities related to this matter. If you can not provide the requested documents within 30 days, you are required to : - Cease all collection activity on this account, -Delete the account from all credit reporting agencies, and -Return all personal information youve obtained to the original creditor or destroy it in accordance with applicable privacy laws. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX XXXX XXXX ( XXXX ), and my State Attorney Generals office. I demand written confirmation that this account has been deleted from my credit report and that no further collection activity will occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, my wallet containing my drivers license, credit cards, and phone was stolen. I filed a police report the same day. I immediately contacted Chase Bank to report the theft and any unauthorized activity. Starting Monday, XX/XX/year>, and on subsequent days, I visited my local Chase branches ( including XXXX where someone attempted to cash {$2000.00} at the teller drive-through ) to secure my accounts, prevent further fraud, and investigate the incidents. Despite these timely in-person reports across multiple branches, on XX/XX/year>, an unknown individual used my stolen drivers license to successfully cash a fraudulent check at the XXXX XXXX Chase branch XXXX at XXXXXXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX The check was dated XX/XX/year>, made payable to XXXX XXXX XXXX in the amount of {$5700.00}, drawn on XXXX XXXX XXXX, XXXX, with the address XXXX XXXX XXXX, XXXX, TX XXXX. I had handwritten on the check : Given to : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX to document it as stolen property from the theft. Chase Bank has since debited {$5700.00} from my checking account due to this unauthorized transaction. I provided the police report and have cooperated fully. Chase has its own internal evidence available including security camera footage, teller transaction logs, and ID verification records from the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) where the check was presented using my stolen drivers license. However, they are refusing to reverse the debit and are demanding additional evidence beyond the police report. Additionally, there were multiple unauthorized transactions on my Chase credit card ( XXXX ) following the theft. I disputed these transactions by phone with Chase immediately upon noticing them. This situation is a direct result of identity theft using my stolen documents. I reported the theft and potential fraud to Chase the same day it occurred and followed up in person at multiple branches while the fraudulent check was being cashed at the XXXX XXXX XXXX. I should not be held liable for these unauthorized transactions. Requested resolution : Immediately reverse the full {$5700.00} debit from my checking account and restore the pre-fraud balance, including any related fees or overdrafts. Fully investigate and reverse all unauthorized credit card transactions that I disputed by phone, with zero liability to me. Reimburse any additional costs or damages caused by this incident. Conduct a complete investigation, including review of security camera footage and teller records from the XX/XX/year> transaction at the XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ) where my stolen ID was used. Provide written confirmation that all transactions are deemed fraudulent, that I bear no liability, and that the matters are closed in my favor. Deliver a full written explanation of the investigation findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Credit Karma, LLC
State: NC

Complaint narrative:
XXXX I received a phone call to verify a large purchase attempting to be made a XXXX XXXX I attempted to verify my identity by proving the last XXXX of my XXXX and my phone number. Credit Karma informed me that the information I provided was incorrect. I thought that the phone call may have been spam due to knowing I entered the correct info. I locked my cards to the account out of precaution. A few hours later I logged into my account and discovered numerous charges being made that were not done by me. I noticed that someone also requested a payday loan Charges all made on XX/XX/XXXX XXXX. Payday loan amount {$370.00} XXXX. Instant access fee for payday loan {$2.00} XXXX. XXXX # XXXX XXXX OH {$500.00} XXXX. ATM withdrawal XXXX XXXX XXXX {$500.00} XXXX. XXXX # XXXX {$510.00} XXXX. XXXX fuel # XXXX {$40.00} XX/XX/XXXX. I disputed each transaction with Credit Karma. I closed the debut card and virtual card associated with the account. XX/XX/XXXX I contacted credit karma to follow up on dispute. I XX/XX/XXXX. As of today, I have not yet received any refund for the money that was taken fraudulently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: SC

Complaint narrative:
This debt is from XXXX XXXX XXXX XXXX. They let me out of a lease because the apartment was covered in mold. I owed them absolutely nothing. They have now sold my debt and keep trying to ruin my credit saying I owe them money. Now they want to hit my credit again just recently through Synergetic Communications. I have warned this company that it is a false and bad debt the purchased as I have the other companies trying to pull this. Not a single one has provided a Certified Letter of the debt. Both XXXX XXXX XXXX in XXXX, XXXX and Synergetic Communications need to be investigated for unfair, fraudulent, and illegal practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting a rebuttal to the response provided regarding my dispute of the XXXX XXXX XXXX account ( Account XX/XX/XXXX), which is currently reporting a balance of approximately {$19000.00}. The response states that the account was verified as accurate, however, no documentation or evidence was provided to support this conclusion. This does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act. Under 15 U.S.C. XXXX ( a ), Equifax is required to conduct a reasonable reinvestigation. Simply relying on the furnishers verification without providing supporting documentation is insufficient. Additionally, there are significant concerns regarding the accuracy and completeness of the reported balance and account details, including : No documentation showing how the reported balance of {$19000.00} was calculated No evidence of the repossession, sale, or auction of the vehicle No breakdown of any alleged deficiency balance after the sale of the collateral Continued reporting activity despite the account being charged off Potential inconsistencies in payment history and account status Under 15 U.S.C. XXXX ( b ), Equifax is required to ensure maximum possible accuracy. Without documentation supporting how this balance was determined, the account can not be considered verified. I am requesting : The method of verification ( MOV ), including the name, address, and contact information of the party that verified this account All documentation used to verify this account, including the original signed contract, complete payment history, and repossession records Documentation showing how the balance of {$19000.00} was calculated, including any credits, payments, or proceeds from the sale of the vehicle Proof of compliance with 15 U.S.C. XXXX ( b ), confirming the furnisher conducted a reasonable investigation If this information can not be provided, this account must be deleted as unverifiable under the FCRA. Thank you.

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 2026-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a rebuttal to the response provided regarding my dispute of the XXXX XXXX XXXX account ( Account XX/XX/XXXX), which is currently reporting a balance of approximately {$19000.00}. The response states that the account was verified as accurate, however, no documentation or evidence was provided to support this conclusion. This does not meet the requirements of a reasonable investigation under the Fair Credit Reporting Act. Under 15 U.S.C. XXXX ( a ), Equifax is required to conduct a reasonable reinvestigation. Simply relying on the furnishers verification without providing supporting documentation is insufficient. Additionally, there are significant concerns regarding the accuracy and completeness of the reported balance and account details, including : No documentation showing how the reported balance of {$19000.00} was calculated No evidence of the repossession, sale, or auction of the vehicle No breakdown of any alleged deficiency balance after the sale of the collateral Continued reporting activity despite the account being charged off Potential inconsistencies in payment history and account status Under 15 U.S.C. XXXX ( b ), Equifax is required to ensure maximum possible accuracy. Without documentation supporting how this balance was determined, the account can not be considered verified. I am requesting : The method of verification ( MOV ), including the name, address, and contact information of the party that verified this account All documentation used to verify this account, including the original signed contract, complete payment history, and repossession records Documentation showing how the balance of {$19000.00} was calculated, including any credits, payments, or proceeds from the sale of the vehicle Proof of compliance with 15 U.S.C. XXXX ( b ), confirming the furnisher conducted a reasonable investigation If this information can not be provided, this account must be deleted as unverifiable under the FCRA. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
I am filing a formal complaint against Way2Go Card services regarding ongoing inability to access my account, repeated improper fees, and failure to provide customer support. I activated my Way2Go card over a year ago. However, over the past XXXX ( XXXX ) months, I have experienced continuous issues accessing my account and reaching customer service. During this time, I have been repeatedly charged {$0.00} per call when attempting to contact customer service. These charges are being applied even though I am not calling to check my balance. The system automatically forces a balance inquiry instead of allowing me to reach a representative. As a result, I have accumulated well over XXXX charges in the past XXXX months alone, totaling more than {$20.00} in fees for services I did not request. In addition, I have made numerous attempts to reach customer support, often being placed on hold for extended periods with no resolution. Most recently, as of last Friday, I was on hold for approximately XXXXXX/XX/XXXX and was forced to hang up because no representative ever answered the call. There is no direct or accessible way to reach technical support or a dispute department. If I miss a return call, I am required to restart the entire process and incur additional charges again. This creates a cycle where I am continuously charged fees without ever receiving actual assistance. This is unacceptable and appears to be an unfair and deceptive practice. I am being charged repeatedly due to a system that does not function properly and actively prevents me from accessing customer support. Since child support funds are only accessible through this card, I have no alternative way to access my money without dealing with these barriers and fees. This situation has caused financial hardship and unnecessary stress, as these funds are essential for my household. I am requesting the following : * A full refund of all call-related fees charged over the past XXXX months * Immediate correction of the system preventing access to customer service * A clear explanation of these charges and why customers are being billed for unsuccessful attempts to reach support * Assurance that these practices will be corrected to prevent further harm If this matter is not resolved promptly, I am prepared to pursue additional action through all available regulatory and legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
BANK OF AMERICA ATM SERVICE IS POOR. ON XX/XX/year>, THE ATM ID - XXXX LOCATED NEAR FORMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) IS ALWAYS OUT OF SERVCE. I WENT TO MAKE A CASH WITHDRAWL AND THE OVER THE WEEKEND AND THE ATM WAS EXPERIENCING PROBLEMS. THE ATM HAD NO POWER.

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 2026-04-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: ID

Complaint narrative:
On XX/XX/year>, I enrolled with Beyond Finance and canceled the same day by phone. During a call beginning at XXXX PM, I clearly stated that I wanted to cancel effective immediately, and the representative confirmed my cancellation was being processed. On XX/XX/year>, I followed up again by phone and stated that I had already canceled and still had not received written confirmation. I also emailed Beyond Finance to document my cancellation in writing. As of now, I still have no written confirmation that my enrollment was canceled, no confirmation that no XXXX debit will occur, and no clear statement of whether any fees are being claimed. My agreement states that I XXXX terminate at any time for any reason, without penalty or obligation, through reasonable oral or written means. I am requesting immediate written confirmation that my enrollment was canceled effective XX/XX/year>, that no further drafts or debits will occur, that no services will continue on my behalf, and that no fees are owed unless specifically itemized and justified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I have spoken to Good Leap about my solar panels not working. They said they could not help me. They still wanted me to continue paying for solar panels that were not working. i was also told by rep who sold mw the solar panels that I have an electric bill of only XXXX a month

Company response to consumer: Closed with explanation