vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting related to a collection account from XXXX XXXX XXXX associated with XXXX XXXX Apartments. In XX/XX/year>, I applied for an apartment and paid a {$250.00} holding deposit. My application was denied and the apartment complex refunded the deposit in full. I possess documentation showing the original payment and the refund check dated XX/XX/year>. Because the deposit was refunded, no balance was owed to the apartment complex. Despite this, XXXX XXXX XXXX later reported a collection account with a balance of {$260.00} on my credit report. This account is being reported on my credit file even though the underlying deposit was refunded and no legitimate debt exists. This inaccurate reporting is negatively affecting my credit standing. FCRA Reporting Violations Failure to maintain maximum possible accuracy under FCRA 1681e ( b ). Failure to conduct a reasonable reinvestigation after dispute under FCRA 1681i. Continuing to report a collection account that is unsupported by documentation. Reporting an inflated balance ( {$260.00} ) when the alleged original balance was {$250.00}. Reporting a collection account despite documentation showing the deposit was refunded. Failure to verify the debt with the original creditor prior to continuing to report the account. Metro 2 Reporting Concerns Metro 2 requires accurate balance reporting ; reporting a balance after a refund suggests inaccurate furnishing. Metro 2 requires valid delinquency reporting ; an application deposit that was refunded has no valid delinquency event. Metro 2 requires accurate account status codes; reporting a collection status without a valid debt violates reporting standards.

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 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am filing a complaint regarding unauthorized transactions processed through my PayPal and Venmo accounts totaling {$5900.00}. These transactions were not authorized by me, and I reported the issue immediately. I filed disputes with my bank XXXX separate times, but the bank denied the claims and is now telling me that I can not file another dispute. The bank instructed me to resolve the matter directly with PayPal and Venmo. I have contacted PayPal and Venmo regarding the fraudulent activity and informed them that the charges were unauthorized. However, the situation has not been resolved and I have not been reimbursed for the fraudulent transactions. As a consumer, I should not be held responsible for transactions that I did not authorize. I have spent an excessive amount of time trying to resolve this issue between my bank and PayPalXXXX with no resolution. I am requesting that PayPalXXXX : Conduct a full fraud investigation into the unauthorized transactions Reverse or reimburse the {$5900.00} in fraudulent charges Provide documentation of their investigation and findings I am dealing with significant financial harm as a result of this situation and am asking the Consumer Financial Protection Bureau to assist in ensuring this matter is properly investigated and resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: OK

Complaint narrative:
I obtained an online installment loan from WLCC Lending MFT, doing business as Merit Financial Trust, in XX/XX/2025. The loan amount was {$900.00} and the loan agreement discloses an APR of approximately XXXX XXXX. The repayment schedule required biweekly payments of approximately {$280.00}. According to my bank records, the lender deposited {$900.00} into my account on XX/XX/2025. Since then, the lender has withdrawn approximately {$280.00} every XXXX weeks through XXXX withdrawals from my bank account. As of now, I have paid approximately {$2500.00} toward this loan, which is nearly XXXX times the original amount borrowed. Despite having paid this substantial amount, the lender continues to request additional payments and states that a balance remains. I attempted to obtain my payment history and account details from the lenders website, but the system would not allow me to access the records. I requested this information but have not been able to obtain a clear payment history directly from the company. I believe the extremely high interest rate and repayment structure are predatory and unfair. I am requesting assistance in resolving this matter and that the loan be considered paid in full due to the substantial payments already made.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: NY

Complaint narrative:
There are enough words at my disposal to adequately express how Disgusted I am with XXXX. They are playing retaliation & discriminatory games with You and with me. For some reason, for which has NEVER been adequately explained to me, some translation that I interacted with a month ago registered my account as having violated the users agreement. Since then, they have literally frozen and unfrozen my account a dozen times. No rhyme or reason that truly makes sense. Almost ALL of my customer service interactions have been absolutely Useless. Except for this past weekend when an agent that admitted that that once my account had been flagged every single interaction thereafter has been deemed suspicious. Things such as changing my email server to PROTECT my account, to adding XXXX Send to my account has resulted in freeze and requests for identity proof. This is my 3rd complaint- and XXXX is being Retaliatory and Discriminatory. Retaliatory because each time I have sent you a complaint, they unfreeze the account- and then FREEZE it AGAIN within a few hours, after I make any type of transaction. Discriminatory because my very few XXXX transactions are with XXXX owned and operated businesses. I am in FEAR that this irresponsible company is in possession of my financial information. If you do a quick XXXX search, you will see that MANY XXXX customers report a similarly hellish experience- put in frozen mode- frequent freeze/unfreeze, no helpful resolution from an incompetent customer service department that is SOLELY reliant upon faulty computerized system. I would like your help in pursuing a CLASS ACTION LAWSUIT against XXXX. If this company is not capable of resolving its incompetence, it should not be trusted with consumer financial information. I want to hear from a XXXX XXXX with a real phone number & a viable call back number to reach. I want a reasonable explanation for this insulting & infuriating experience. I want some restituotion for the HOURS I have wasted trying to resolve this. I want XXXX held accountable for what can only be perceived as retaliatory actions. Shame. My phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
Capital One sent a solicitation encouraging me to See what Capital One cards you may be pre-approved for. After responding to the solicitation, Capital One denied the request based on internal account activity that it had already observed on my account. This information necessarily existed before the solicitation was sent. This raises concerns that Capital One is sending pre-approval solicitations to consumers despite already possessing internal data that would make them ineligible. The companys response to my prior CFPB complaint ( Case # XXXX ) did not address this issue and instead focused only on the fact that the online form was not a credit application.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
You were misled by the dealership XXXX was supposed to be business-only reporting It is now hurting your personal credit You want full deletion

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Bureaus, Inc.
State: GA

Complaint narrative:
I started getting emails and telephone calls from this company called the bureaus telling me I owe over {$8000.00} for a past automobile that was repossessed. The lender at the time told me I did not owe anything and they would just report the underwater amount to the credit bureaus. They told me they would not send to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MA

Complaint narrative:
On XX/XX/XXXX I used my Chime account to pay my friend {$40.00}. She is not a Chime member. However Chime is supposed to send a link to her phone number so she can click on it and send the money to an account of her own choosing. She never received the link, Chime refuses to refund, return or cancel the transaction. Chime is blaming me for sending my money into cyberspace. No answers or attempts to figure it out!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: ID

Complaint narrative:
i have some unknown trNSACTIONS SINCE SOME OF MY PERSONAL ITEMS WIGH MY CARD INFO WENT MISSING THEY SIMPLY SAID WHILE THEY WERE " WORKING '' ON IT I DIDNT NEED TO PAY ANYTHING WHICH MAKES NO SINCE THEY ARE SUPPOSE TO PROVIDE YOUR MONEY BACK RIGHTAWAY WHICH THEY DID NOT AND THEY DID SAY THIS ON THE FIRST CONVO AND THEN THE FOLLOWING CONVERSATION THEY SEEMED NOT TO KNOW AND THEN THE LAST PREVIOUS CONVERSATION THEY WERE JUST RATTLING ON AND DID NOT HAVE ANY SORT OF RESPONSE TO TAKING CARE OF THE PROVISIONAL CREDIT THAT IS SUPPOSE TO BE SUPPLED LIKE IT SAYS ON THERE WEBSITE INCLUDING IN THE CREDIT INFORMATION ALONG WITH THE FRST CONVERSATION I HAD

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 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
MIDLAND CREDIT MANAG is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAG 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 response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
" I am disputing an alleged debt of {$76.00} ( Account # XXXX ) claimed by CBE Group on behalf of XXXX. This is a clear billing error. I returned all equipment to the XXXX store at XXXX XXXX XXXX, XXXX, CA on XX/XX/XXXX. I have an official Return Receipt proving this. Furthermore, XXXX sent the billing notices to my previous address ( XXXX XXXX XXXX ), which is why I was not properly notified of this erroneous charge. I sent a formal dispute letter to CBE Group with a copy of the return receipt on XX/XX/XXXX. However, CBE Group sent me a letter on XX/XX/XXXX, refusing to investigate the matter further. I have provided physical proof that the debt is invalid, but the company is ignoring it. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: CA

Complaint narrative:
National Recovery Agency To Whom It May Concern, This letter serves as a formal dispute and demand for validation of the alleged account you are reporting to XXXX XXXX XXXX and any other consumer reporting agencies. I do not acknowledge this debt, nor do I accept your claim of its validity. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are required to provide strict proof that this alleged obligation is legitimate and that you have the legal authority to collect and report it. DEMAND FOR VALIDATION Provide the following documentation : A copy of the original signed contract or agreement bearing my signature Full chain of title/assignment, proving you have legal right to collect Complete payment history and accounting from the original creditor Name and address of the original creditor XXXX XXXX XXXX XXXX and date of default Proof that this debt is within the statute of limitations Proof you are licensed to collect in my state, including license number Verification that the amount of {$4900.00} is accurate and not inflated with unlawful fees or interest NOTICE OF DISPUTE This account is formally disputed. Under FCRA 1681s-2 ( b ), you are required to conduct a reasonable investigation. Reporting unverified or inaccurate information constitutes negligent or willful noncompliance. CEASE COLLECTION & REPORTING REQUIREMENT Until proper validation is provided : You must cease all collection activity You must cease reporting this account to all credit bureaus If already reported, you must mark it as disputed immediately Failure to comply will be documented as violations of : FDCPA 1692e ( false or misleading representations ) FDCPA 1692f ( unfair practices ) FCRA 1681e ( b ) ( inaccurate reporting ) INTENT TO PURSUE LEGAL ACTION If you fail to provide adequate validation or continue reporting unverifiable information, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ) and my State Attorney General Pursue civil litigation for statutory damages, actual damages, and attorney fees This is your final opportunity to validate this claim before escalation. You have 30 days from receipt of this letter to comply. All future communication must be in writing only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I didnt recieve any communcation about this debt. no phone calls emails or letters. now its on my credit report this is not fair practice as it preventing me from buying a home. collection agency PROFESSIONAL DEBT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I cancelled a recurring service with XXXX XXXX on XX/XX/year>. Despite cancellation, I was charged seven times for {$180.00} each, totaling {$1200.00}. I disputed the initial charge and replaced my card number to prevent further billing. However, six additional charges were still processed after the dispute and after the card replacement. Additionally, three identical {$180.00} charges were posted on the same day ( XX/XX/year> ), which is not consistent with normal recurring billing and suggests duplicate or improper transactions. I have disputed these charges multiple times through Apple Card, but the disputes were denied based solely on the merchants cancellation terms, without properly addressing the continued billing after the dispute or the duplicate same-day transactions. I am requesting a full review of these charges as unauthorized recurring billing after cancellation and as duplicate transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Stern & Stern. P.C.
State: NY

Complaint narrative:
I am filing this complaint regarding inaccurate and unverified debt reporting on my credit file. XXXX accounts are currently being reported as charge-offs on my credit report through XXXX. The creditors are XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Account XXXX : XXXX XXXX XXXX XXXX XXXX Account ending in XXXX Reported Balance : {$3700.00} Status : Closed / Charge-Off XXXX XXXX XXXX Account XXXX XXXX XXXX Reported Balance : {$8000.00} Status : Closed / Charge-Off I dispute the accuracy and completeness of the reporting of these accounts. I have requested validation and verification of these alleged debts, including documentation showing the original signed agreement, complete payment history, and proof that the creditor has the legal authority to collect and report this debt. To date, proper validation has not been provided. Despite this, the accounts continue to be reported on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers of information have a legal obligation to report accurate and verifiable information to credit reporting agencies. If an account can not be properly verified, it must be corrected or removed. Additionally, I have invoked my rights under the Fair Debt Collection Practices Act to cease communication regarding these accounts unless proper validation is provided. I am requesting the following resolution : 1. A full investigation of the reporting of these accounts. 2. Written validation of the alleged debts including supporting documentation. 3. If validation can not be provided, immediate deletion of these accounts from my credit file with all consumer reporting agencies. These accounts are negatively affecting my credit standing and financial opportunities, and I am requesting prompt correction of any inaccurate or unverified information. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
CareCredit from Synchrony is a line of credit for health care bills. I had a balance of {$420.00}, and now they're charging me over {$1300.00} even though I haven't bought anything. My balance was {$420.00} on XX/XX/year>, and in XXXX, they hit me with {$1300.00}. The explanation is not clear. I got this line of credit at a dentist 's office, XXXX, and they never told me it was an offer. They say I received a discount when I bought the XXXX products with the account. It's all been a scam. I never received anything from 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 2026-03-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Property Receivables, Corp
State: WA

Complaint narrative:
Property Receivables Corp In XX/XX/year> I applied for an apartment at XXXX XXXX XXXX and paid an application fee and a {$250.00} holding deposit. My application was denied by the apartment complex and the deposit was refunded in full. Documentation includes the payment receipt and a refund check dated XX/XX/year> issued by the apartment complex. Because the deposit was refunded there was no outstanding balance owed to the apartment complex. Despite this, Property Receivables Corp later began attempting to collect a debt and reported a collection account on my credit report related to this application. The reported balance is {$260.00} even though the alleged original balance is {$250.00} and the deposit was refunded. This account is appearing on my credit reports with XXXX XXXX XXXX and is negatively affecting my credit. Identified Legal and Reporting Violations Attempting to collect a debt that does not exist after the original creditor refunded the deposit. Reporting a collection account despite documentation proving the deposit was refunded and no balance remained. Balance inflation : Original balance reported as {$250.00} but current balance reported as {$260.00}. Charging fees or interest without contractual authorization in violation of the Fair Debt Collection Practices Act. Failure to properly validate the alleged debt after dispute. Failure to maintain maximum possible accuracy under FCRA 1681e ( b ). Furnishing inaccurate information after receiving notice of dispute under FCRA 1681s 2 ( b ). Reporting a collection account without proof of a legally enforceable obligation. Potential misrepresentation of the character or amount of the debt under FDCPA 1692e. Attempting to collect an amount not authorized by agreement under FDCPA 1692f. Failure to provide proper validation of the debt under FDCPA 1692g. Reporting a collection account despite the absence of a valid delinquency event. Failure to provide documentation proving the original creditor authorized the collector to collect the account. Failure to maintain accurate accounting records showing how a refunded deposit became a collectible balance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX requires accurate balance reporting ; reporting {$260.00} when the deposit was refunded indicates inaccurate data furnishing. XXXX XXXX requires accurate account status ; reporting a collection account without a valid delinquency violates reporting standards. XXXX XXXX requires correct Date of First Delinquency ; an application deposit that was refunded has no valid delinquency date. XXXX XXXX requires accurate original balance fields ; the original balance can not exist if the deposit was returned. XXXX XXXX requires furnishers to verify account information before furnishing to credit bureaus. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation