vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding Spring Oaks Capital LLC for continued inaccurate credit reporting and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

Spring Oaks Capital LLC is reporting a collection account in the amount of {$14000.00} on my XXXX  credit report. This account was opened on or about XX/XX/year> and is currently reported as an open collection with Spring Oaks Capital listed as the original creditor.

This account is the result of identity theft and was not authorized by me. I have taken the required steps to report this fraud, including filing a police report documenting the identity theft. I have disputed this account with both the furnisher and the credit reporting agency and provided notice that the account is fraudulent.

Despite receiving notice of identity theft, Spring Oaks Capital has refused to delete or block the account and has continued to verify the debt based solely on its internal records and database information. They have not provided any evidence that I opened, authorized, or benefited from this account.

Under FCRA 605B, once a furnisher receives a valid identity theft report, it is required to block the fraudulent information from consumer reporting agencies unless it can demonstrate that the information is accurate and not the result of identity theft. Database verification alone does not meet this legal standard.

By continuing to furnish this account after notice of identity theft, Spring Oaks Capital is violating FCRA 605B and FCRA 623 by reporting information that is inaccurate and unverifiable. This inaccurate reporting is causing ongoing harm to my credit score and financial standing.

I am requesting that Spring Oaks Capital LLC be required to immediately delete this account from all consumer reporting agencies and cease any further collection or reporting activity related to this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I am being held liable for a negative balance of {$1200.00} on my PayPal account due to a " Friendly Fraud '' scheme that PayPal refuses to investigate.

Description : On XX/XX/year>, a sender ( XXXX XXXX ) sent several payments to my account. Internal PayPal records show the sender messaging me : " Keep {$40.00} send me the rest please, '' which confirms the payments were fully authorized and part of a specific agreement. Despite this clear evidence of authorization within PayPal 's own system, the sender filed a fraudulent chargeback with their bank.

PayPal has allowed the sender to commit " Friendly Fraud '' by reclaiming the funds while keeping the cash I provided in person. PayPal has limited my account and is holding me responsible for these stolen funds despite having proof of the fraud in their own message logs. I am requesting that PayPal review the internal evidence, recognize the bank dispute as fraudulent, and restore my account balance to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
b'i had opened a chime account in XXXX  and never used it so tonight i went to  opened the chime app and long in  n could not i called chime and they are saying  there was  privacy activity violated and refuse to tell me what specifically was  the violation and are nasty and laugh they must me  stealing my information my chime phone number is out of date as well  on the chime account and it is XXXX XXXX XXXX  and wanted to update to my new number witch is XXXX  email for chime account is XXXX i do not have any file to upload'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: MI

Complaint narrative:
The financial hardship this is causing me is too much! They have a same day deposit stuck! I purchased XXXX XXXX in fuel from XXXX on XXXX and they pre debited my card for XXXX and I cancelled the trancarion I paid for gas in cash not debit - so they took 100 % of my money and wont release it until XXXX XXXX - XXXX days later! This is everything I have!! Theres no merchant disclosure saying they do this They refuse to release my funds of XXXX prior authorization debit for a transaction thats finalized for {$0.00} its a cancelled transaction- its a deposit lock now!! They froze my entire account i need my money now

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TapTap Send Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against a money transfer company known as TapTap for failing to deliver transferred funds and for withholding my money without resolution. 

I used TapTap to transfer money to a recipient. The first transaction was completed successfully, which led me to trust their service. However, during the second transaction, TapTap accepted my money, but the funds were never delivered to the recipient. 

Despite multiple attempts to contact the company, the issue has not been resolved, and my money has not been returned. There has been no clear explanation, no refund, and no proper customer support. This behavior appears deceptive and has caused me financial loss and distress. 

Details of the issue : Company name : TapTap Transaction status : Funds deducted but not delivered Amount : [ insert amount ] Date of transaction : [ insert date ] Recipient did not receive the money I believe this company is engaging in unfair and potentially fraudulent business practices by holding customer funds without completing the service or issuing a refund. 

I respectfully request that this matter be investigated and that TapTap be required to : 1. Refund my full amount immediately or 2. Complete the transfer to the intended recipient Thank you for your attention to this matter. I am providing this complaint in good faith and am willing to supply any additional documentation if required. 
Toptap customer service number XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
XX/XX/year> XXXX XXXX  XXXX  in XXXX XXXX  sent me an email stating my father could not come back to his apt there from the XXXX  I was told I had to move him to a XXXX XXXX  for care, of which I did. We had already paid for the entire month of XXXX so a credit was due to us. I then received a bill stating damages to the apt were done and they are charging me XXXX labor cost of extensive repairs replacement of carpet and all doors. I sent multiple emails asking for a copy of the admissions contract showing where we agreed to these types of cost of which they have never given to me as well as itemized list of all damages of which they have never given.I even called XXXX and emailed them as the third party debt collector they reached out to XXXX and nothing happened. then they sent my father and I to TSI collections, I called them and asked they communicate with XXXX to reply they said they would but never communicated with me. I asked if I was to contact legal since I am getting no response and now neither party will communicate with me. The amount of cost are extremely high and not justified-I have pictures and a video from move in and out and also explained to administration while he lived there to take off all doors inside as I knew his wheelchair would scratch them they never took them off or gave a reason. the main door was only scratched not ruined to be replaced, carpet only needed replaced in the living area and the large whole in wall from recliner was the fault of the caregivers not pulling it out before they transferred him using a stand aid. the doors internally were not XXXX for wheelchairs either.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: VA

Complaint narrative:
I received a paper coupon from Chime stating that if I signed up for account and made a qualifying direct deposit ( {$200.00} ) within 45 days of opening, I would receive a sign up bonus of {$100.00} within 7-10 days of the deposit. The coupon had a QR Code ( and promo code ) that took me to a chime landing page XXXX and auto applied the promo code on the paper. 

I made the account on XX/XX/year>, activated my debit card on XXXX, and made the qualifying deposit on XXXX. I have reached out numerous times to Chime to see why the bonus was not deposited within the time frame. Each time, a chime representative reviewed my account and asked for additional information including pictures of the paper coupon as proof of the promotion. After investigation, I was told that I met ALL requirements multiple times and should receive the bonus within a few hours.

Each time, the bonus was not deposited, I was put through an additional investigation that made me feel as though they thought I was lying about completing the requirements. I was even asked if I took a screenshot of the promo code being applied while signing up for the bonus ( why would I screenshot myself signing up for a bank account ). After repeatedly providing all proof of the coupon, promo code being auto applied when you visit the site, and all deposits and activations on my account, I was finally transferred to chime phone support, which asked for the same information, then told me that since the promo code was from last month, they are unable to see the offer and therefore unable to honor the promotion bonus.

I showed them proof of the code and also went to the promo landing page THAT IS STILL ACTIVE and told them I do not understand why they are unable to honor a promo from last month on an account that was made last month. The representative continued to deny that the promo code was applied to my account and even denied that the promotional offer that again IS STILL ACTIVE ONLINE and that I have paper proof of did not exist. Even after receiving all proof through email that she asked for over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Re : Second Notice - Formal Dispute and Demand for Deletion of Account To Whom It May Concern at XXXX, This letter serves as a second formal notice regarding an inaccurate and unverifiable collection account that continues to be reported on my XXXX credit file in violation of the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681e ( b ). 
Accounts in question : Debt Collector Name : Transworld Systems Inc Account Number : XXXX Prior Dispute and Continued Inaccurate Reporting Please note that I previously disputed this same collection account with XXXX XXXX XXXXXX/XX/XXXX. In response, XXXX  sent me a written correspondence on XX/XX/XXXX confirmation # : XXXX stating that this collection account is not currently reporting on my XXXX  credit file. However, after reviewing my credit report again on multiple occasions following your response, I confirmed that this collection account continues to be reported on my XXXX  credit file. This contradictory reporting is unacceptable and further demonstrates a failure to maintain accurate records as required by federal law. 

The following inaccuracies exist and render this reporting unverifiable for the following reasons : >The Date of First Delinquency ( DOFD ), Date Opened, and Date of Last Payment are inconsistent and unverifiable. 
>The balance and past-due amounts do not match the original creditors records.

The furnisher Transworld has not provided validated documentation showing legal authority to report or collect on this account. 
>XXXX  reporting fails to ensure maximum possible accuracy, as required by 1681e ( b ), particularly after previously stating that this account could not be located. 

Formal Demand for Correction Given XXXX prior acknowledgment that this account could not be found, and its continued inaccurate reporting, I formally demand the following : 1. Immediate deletion of this collection account from my XXXX  credit file, or 2. Full reinvestigation under 1681i, including written disclosure of the method of verification used, and the name, address, and telephone number of the furnisher that allegedly verified the account. 

If this account can not be verified with complete, accurate, and legally valid documentation, it must be deleted without further delay. 

Please provide written confirmation of your reinvestigation and the results within 30 days as required by federal law. 
This letter is submitted in good faith and serves as a documented record of XXXX continued reporting of disputed and inaccurate information. 

Sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Account Type : Personal Loan Debt LVNV Funding Amount : {$13000.00} I am writing to formally dispute this account, as I was a victim of identity theft and did not authorize or open it. The activity associated with this account is fraudulent and does not belong to me. I respectfully request that this account be investigated and permanently removed from my credit history in accordance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have had 4 new debit cards within the past 3 weeks. I got a new checking account number and I am still having fraudulent charges on my account. The bank is failing to see how this is happening and keeps allowing this company to take my money even though I never gave this new information to them. Schools First Federal Credit Union has failed me.

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 2026-01-27 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: AR

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2026-01-27 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: DISCOVER BANK
State: FL

Complaint narrative:
I am filing a complaint regarding a {$4300.00} charge by XXXX XXXX for XXXX XXXX XXXX tickets purchased on XX/XX/XXXX. 

At the time of purchase, XXXX tickets had not been released, and the official ticket lottery for allocation had not yet opened. The lottery opened on XX/XX/XXXX, and buyers would not know whether they were selected and permitted to purchase tickets through XXXX until XX/XX/XXXX. 

As of XX/XX/XXXX, no seller could possess valid tickets or guarantee delivery. The XXXX XXXX  listing was therefore speculative and contingent on future lottery selection. This material fact was not clearly or conspicuously disclosed during checkout. 

In addition, the listing did not include specific seat or row numbers, further indicating that no actual tickets existed at the time of sale. XXXX publicly advises consumers to purchase tickets only through authorized channels and warns against relying on third-party resellers prior to official ticket allocation. 

Once I realized that the tickets could not exist at the time of purchase and that delivery depended on uncertain future allocation, I attempted to cancel promptly. XXXX XXXX refused any refund or accommodation. 

The tickets have not been delivered, transferred, accessed, or used. I am not refusing delivery if tickets become available ; however, I am seeking a fair resolution due to the speculative nature of the transaction and the lack of clear disclosure at the time of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least XXXX  days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am formally disputing a residential solar installment loan serviced by XXXX ( original lender : XXXX, XXXX ). 

This loan financed a solar energy system installed by XXXX XXXX XXXX at my residence located at XXXX XXXX XXXX XXXX XXXX, XXXX, TX. The installer is now out of business. 

Following a hailstorm, the majority of the solar panels and system components were damaged. The solar system is non-functional and can not be repaired or replaced because the installer no longer exists and no authorized servicing or warranty pathway has been provided. 

My XXXX XXXX expressly incorporates the FTC XXXX XXXX, which states that any holder of this consumer credit contract is subject to all claims and defenses that the borrower could assert against the seller of the goods or services. Because the solar system has failed its essential purpose and I have not received the benefit of the bargain, I am asserting those defenses against XXXX as assignee of the loan. 

I sent XXXX a formal written dispute by certified mail and email requesting that the account be marked in dispute, that collection and credit reporting be suspended, and that the matter be investigated and resolved. 

Despite this, XXXX sent a collections letter dated XX/XX/year> threatening continued collection activity, credit reporting, arbitration, and removal of the solar system without acknowledging or investigating my dispute. 

XXXX has attempted to recharacterize my dispute as only a credit reporting issue rather than addressing the enforceability of the underlying loan tied to a non-functional system. 

I am requesting regulatory assistance to require XXXX to suspend collection and credit reporting activity, properly investigate the dispute, and provide a fair resolution including loan cancellation, rescission, or negotiated settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC bank will show me have I funds available in my account. I spend the funds available then they charge me overdraft fees because they said the money wasnt there. I have called and complained 10 times about there unfair practice to extract fees from me and everyone else.

Company response to consumer: Closed with explanation