vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I am filing this complaint against PayPal for withholding my funds ( {$290.00} USD ) for over 5 years due to an admitted " technical error. '' On XX/XX/2026, I contacted PayPal support again to resolve a recurring block on my account. During the session, PayPal Agent " XXXX XXXX '' explicitly stated : " I do see here that your account is eligible for withdrawal. It's just that the security system is blocking the attempts. '' This confirms there are no legal or policy holds on my money. Despite this admission of eligibility and my identity being fully verified, the agent refused to provide a manual override or escalate the case to a human supervisor who could bypass the automated error. Previously, on XX/XX/2026 ( Case ID : XXXX XXXX XXXX ), another agent promised a fix within 24 hours, which never happened. PayPal is effectively denying me access to my property by hiding behind a faulty automated system and refusing manual intervention. I have exhausted all support channels available to me without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Williams & Fudge, Inc
State: IL

Complaint narrative:
William & Fudge Collection Agency ( XXXX XXXX ) has been calling my father 's girlfriends family members multiple times to get any information and stated it is about past due tuition and collections. And revealed what debt collection was for to these people. He has called various people at work multiple times. He was told to stop calling her at work but continues to call after he was told to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

Complaint narrative:
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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: CA

Complaint narrative:
True Accord is sending deceptive and incomplete collection communications that fail to clearly identify the original creditor and the nature of the alleged debt before prompting payment. The initial email I received encouraged me to click a link to view payment options but did not clearly disclose the creditor associated with the alleged debt, which I believe is misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
b'I am submitting this complaint regarding Ally Servicing LLC concerning an unresolved accounting discrepancy and the companys failure to respond to written correspondence requesting clarification of the account record.\n\nThe transaction history on the account reflects that a payment in the amount of XXXX dollars was posted on XXXX XXXX XXXX and recorded as completed. The transaction history later reflects a reversal of that same payment in the amount of negative XXXX dollars on XXXX XXXX XXXXnNo written explanation for this reversal has been provided.\n\nThe payment was submitted using a payment instrument intended to satisfy the account balance. The instrument that was submitted was never returned and no written notice explaining the rejection or return of the payment has been provided.\n\nWhen contacting the company by telephone regarding the reversal, the only explanation provided was that the payment had been reversed by the bank and that I should check with the bank. No written explanation was ever provided.\n\nScreenshots from the payment transaction portal reflect that the payment was received and recorded in the account history and include the XXXX tracking reference associated with the instrument that was submitted. These records demonstrate that the instrument was received and processed within the companys system before the payment was later reversed.\n\nWritten correspondence requesting clarification of the payment reversal and reconciliation of the account record was sent by certified mail.\n\XXXX tracking records confirm delivery of that notice as follows.\n\nCertified Mail Tracking Number XXXX XXXX XXXX XXXX XXXXDelivered to a XXXX XXXX in XXXX, North Carolina on XXXXXXXX XXXX XXXX aXXXX XXXX XXXXThe correspondence requested documentation necessary to reconcile the account record including a complete accounting explaining the acceptance and subsequent reversal of the payment reflected in the transaction history.\n\nThe correspondence also requested identification of the party currently entitled to enforce the obligation including proof of possession of the original note or documentation demonstrating the authority to enforce the account.\n\nDespite confirmed delivery of the correspondence more than thirty days ago, no written response has been received and none of the requested documentation has been provided.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
NATIONAL CREDIT ADJU Last reported XX/XX/XXXXXXXX {$0.00} Open balance NATIONAL CREDIT ADJU Original creditor XXXX Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Paid collection Original creditor name NATIONAL CREDIT ADJU Report info I am reporting that this account is not removed from my credit report even after a dispute was filed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
On XX/XX/XXXX JPMorgan Chase sent {$4000.00} into my checking account with Bank XXXX XXXX. Then on XX/XX/XXXX XXXX, XXXX XXXX XXXX made an unauthorized ACH debit for {$4000.00} that sent the money back to JP Morgan Chase. Neither bank got prior authorization from me to take the money out of the account and XXXX XXXX XXXX sent me a letter after the fact that they sent the money back JP Morgan Chase. JP Morgan Chase did not give a reason to XXXX XXXX XXXX for why the money should be taken out. Taking out the money has put my family and business in an immediate financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The records linked to my financial standing reveal documentation weaknesses and reporting gaps that impair their reliability, and I respectfully seek revision.

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 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Ive been a Chase Customer since I was XXXX XXXX XXXX I am now XXXX. I had a credit card that was looming for many years. It got really high during XXXX. Ive been under a lot of financial stress and my card got up to {$20000.00} at one point I finally finished paying it off in full not knowing trailing interest charges were gon na be happening. This was never explained to me even after I made my last big payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XX/XX/XXXX I paid off a {$88.00} debt to Sunrise Credit Service who represents XXXX I was told 24-72hrs needed to pass before I could debt a paid in full receipt. A week later still have no receipt.i have called several times for a receipt, they keep saying its processing, spoke to XXXX who verified debt is paid but they cant provide a receipt stating it has to come from Sunrise whom keeps giving me the run around. I have verified with several agents that my email address is correct yet they refuse to send me a paid in full letter.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: NC

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 2026-03-05 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing regarding recent phone calls from your company concerning an alleged debt related to a XXXX account. Your representatives contacted my son in XXXX XXXX at XXXX and contacted me on XX/XX/year> at XXXX claiming that I owe approximately {$2000.00}. I dispute this debt in its entirety. Under my rights pursuant to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of this alleged debt. Please provide the following : A complete itemized breakdown of the alleged amount owed, including any fees, interest, or charges. Copies of any original account statements showing how the balance was calculated. Proof that I am legally responsible for this debt. Documentation showing that your company has the legal authority to collect on behalf of XXXX. Copies of any agreement or contract associated with this account. The date of the alleged default and the date the account was transferred or assigned to your company. Additionally, I have never received any prior written notice regarding this alleged debt. Until you provide the requested validation, you must cease collection efforts and may not report this account to any credit reporting agencies. If the debt is verified and proven to be valid, I request the opportunity to review the documentation and discuss potential resolution or negotiation. Please respond to this request in writing

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I CALLED BANK OF AMERICA MULTIPLE TIMES TO CORRECT THIS PROBLEM THEY DID NOT UNDER 15 USC 1681s-2 AND XXXX XXXX VIOLATION THEY ARE REPORTING IN ACCURATE INFORMATION ON XXXX, XXXX XXXX XXXX AND XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: NY

Complaint narrative:
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 license d to collect debts in

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Consumer : XXXX XXXX XXXX XXXX, OH XXXX Company complained about : Bank of America Also involved : XXXX XXXX XXXX I am filing this complaint regarding inaccurate information being furnished by Bank of America to XXXX XXXX XXXX, which is preventing me from opening a checking account. XXXX XXXX XXXX is a consumer reporting agency that provides account screening information used by financial institutions. My XXXX XXXX file disclosure dated XX/XX/XXXX shows that Bank of America reported a record labeled Checking Account Fraud related to a Bank of America account that was closed on XX/XX/XXXX. The XXXX XXXX report shows the following information : Contributor : Bank of AmericaContribution Reference Number : XXXX Date : XX/XX/XXXX, XXXXContribution Reason : Checking Account FraudStatus : Unpaid I previously submitted a dispute to XXXX XXXX XXXX regarding this information. XXXX XXXX forwarded my dispute to Bank of America for investigation. After that investigation, the issue was not corrected in the XXXX XXXX XXXX and continues to appear on my consumer report. I contacted Bank of America directly and spoke with their representatives. They provided me with claim number XXXX and informed me that their review was completed and that the results were in my favor. However, the reporting to XXXX XXXX XXXX has not been corrected or removed. Because this record is still appearing in the XXXX XXXX database, I am being denied the ability to open basic checking accounts with financial institutions. Under the Fair Credit Reporting Act, information furnished to a consumer reporting agency must be accurate and must be corrected if it is determined to be inaccurate or can not be verified. If Bank of America determined the claim in my favor, the information being reported to XXXX XXXX XXXX should be corrected or deleted. I respectfully request that the CFPB require Bank of America to : 1. Correct or delete the inaccurate fraud reporting from XXXX XXXX XXXX 2. Confirm in writing that the claim investigation concluded in my favor. 3. Update XXXX XXXX XXXX so that my consumer report no longer contains this fraud designation. This inaccurate reporting is preventing me from accessing basic banking services. Thank you for your assistance in resolving this matter. 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 2026-03-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I brought car from dealership using westlake financial who accepted my payment and told me when I found car wasnt registered after paying them the car was brought back to dealership so return my money you accepted and it wasnt I have the car Im getting run around and I want my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Validation of Debt Request - TRUEACCORD C/XXXX XXXX XXXX- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened an account with Citizens Bank on XX/XX/XXXX and didnt receive a debit card until XX/XX/XXXX. I used my account number and routing number and XXXX XXXX in the meantime, which Citizens Bank suggests. The day I finally receive my debit card, all of a sudden I cant log into my mobile banking. I call to activate my card and they say my account is locked and to see someone in person. I go to an in person branch and they say my account is locked due to fraud and to wait for the XXXX department. On Tuesday at XXXX, I got a call from a XXXX XXXX XXXX number that I couldnt pick up because I was at work. I tried calling back later and I couldnt get through. It may have been Citizens Bank calling me to alert me about XXXX my own purchases. There was no way for me to stop this process. Yesterday, I received an email saying that all I needed to do was reset my XXXX XXXX. Today, I called Citizens to reset my XXXX XXXX and they say that theyre closing my account! They kept me in the dark about all of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I received a call from individuals spoofing JP Morgan Chases phone number impersonating Chase XXXX representatives. I was told there were fraudulent transactions on my account and was transferred to what they described as the " XXXX department. '' They had me screen share where I was instructed to add a recipient and send a XXXX XXXX transfer as part of a supposed XXXX XXXX process. I was giving case numbers per each fraud case, so I believed it was authentic. I later discovered this was a scam and immediately contacted chase to report the XXXX. Chase froze my account and confirmed XXXX additional transfer attempts that were blocked. I filed a formal XXXX claim the same day, as well as a police report and an FTC identity report the following days. Chase denied my claim stating the transaction was authorized and informed me scams can not be appealed. However, this transfer was not authorized by intent. It was induced through impersonation, caller ID spoofing and social engineering. I'm requesting regulatory review and reimbursement of the {$5000.00} loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
We realized our vehicle was missing on Friday XX/XX/year>. We contacted the police department and insurance to report stolen. Then we called Honda to see if they had access to locating the vehicle via XXXX. Honda said they had repossessed the car. Car was suppose to be on XXXX XXXX apparently it wasnt enrolled to XXXX payments. This was our XXXX attempt to put it on XXXX payments. Honda claims to have called us to warn us of the none payments via phone calls. We had XXXX voicemails from them. They said they didnt email because it wasnt part of their protocol. From then on the communication was very poor. Everyday I made XXXX calls per day to pay off the vehicle and was denied. We needed to wait for a call Monday we expected the call and didnt receive it until Wednesday. Once the call came in we were advised to send payment through XXXX XXXX. We send {$22000.00}. This process took XXXX days because they claimed it was received. Once revived they then said we needed to send an additional {$400.00} for a key that was made with our our consent. We sent the {$400.00}. We then had the information to the tow yard its an XXXX service. We cant get a hold of any person. Our only option online was to recover the vehicle until next Wednesday XXXX XXXX. We still dont have the location of our vehicle. Car is fully paid for but now charges to the tow yard are accumulating. We have NO idea how much they will charge us because No one is willing to speak to us. We are very disappointed and upset at this situation. This feels like Legal XXXX the process to recover the vehicle feels as if we had to pay a Ransom for vehicle.

Company response to consumer: Closed with explanation