vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am a victim of a {$29000.00} XXXX fraud scheme involving XXXX unauthorized transactions. My bank ( XXXX ) has concluded its investigation and issued a XXXX XXXX XXXX confirming that XXXX has the authority to 'Surrender the Funds ' and process the refund of {$11000.00} XXXX manually. My bank explicitly stated that an open bank dispute is NOT required for PayPal to release these funds. Despite presenting this legal evidence and active XXXX criminal case # XXXX, PayPal support ( XXXX XXXX ' ) acted in bad faith by abruptly closing our secure chat session, claiming it was 'inactive ' while I was in the process of uploading documents. PayPal is willfully obstructing the recovery of stolen funds during a criminal investigation. Due to PayPal 's refusal to act, I am now in severe financial hardship with only {$14.00} remaining in my account. I demand an immediate manual reversal of these fraudulent charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unverifiable information reporting on my consumer file. The credit reporting agencies and furnishers have failed to maintain maximum possible accuracy as required under the Fair Credit Reporting Act. I dispute the reporting of the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX because these addresses are inaccurate and should not be associated with my consumer report. I also dispute XXXX XXXX XXXX XXXX XXXX XXXX reporting a collection balance of {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX reporting a charge-off with a {$0.00} balance, and XXXX XXXX XXXX XXXX reporting a charge-off balance of {$640.00} because I have not been provided proper verification, signed agreements, or documentation validating the accuracy and ownership of these accounts. In addition, I dispute the following inquiries reporting on my consumer file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 609 ( a ) ( 1 ), I requested all information contained in my consumer file, including furnisher names, addresses, contact details, original creditor information, account opening details, date of first delinquency, records of charge-offs or collections, copies of all verification documents, the permissible purpose for each inquiry, and the exact dates each inquiry was made, yet this information has not been properly provided.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2026, I was contacted by a person claiming to be from the XXXX XXXX XXXXXXXX XXXX. Under the false pretense of 'securing my accounts, ' the individual fraudulently induced me into a XXXX XXXX screen-sharing session to gain remote access to my device.Under their direct supervision and believing I was following official security protocols, they instructed me to use the Cash App platform to move funds from my linked XXXX XXXX account and XXXX convert those funds to XXXX. I did not intend to authorize a XXXX-party transfer ; I was acting as a proxy under the perpetrator 's direction while they monitored my screen.The total stolen was {$5700.00}, which included {$1200.00} [ Amount from Cash App balance ] and {$4500.00} [ Amount pulled from XXXX XXXX XXXX XXXX This was an unauthorized Electronic Fund Transfer ( EFT ) facilitated by impersonation and deceptive technology. I have a screenshot of the google meet that I attached as evidence. I have also filed an FTC Identity Theft Affidavit and a police report ( XXXX ), both of which I have attached as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: MD

Complaint narrative:
I am submitting this complaint because the consumer reporting agency continues to violate its obligations under the Fair Credit Reporting Act ( FCRA ) by reporting fraudulent accounts and unauthorized inquiries associated with a data breach. Although I submitted a formal dispute pursuant to Section 605B [ 15 U.S.C. 1681c-2 ], together with a sworn affidavit and proof of identity, the agency failed to block or delete the disputed information within the required XXXXbusiness-day period. Additionally, the agency has not produced any verifiable documentation containing my signature or authenticated electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to demonstrate a lawful permissible purpose for the inquiries. These actions constitute violations of my rights protected under federal law.

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 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am disputing the accuracy and validity of this collection account reported by Jefferson Capital Systems LLC. I do not recall owing this debt, and when I switched from XXXX to XXXX XXXX XXXX in XXXX I was not informed of any outstanding balance. This account has significantly impacted my credit score and ability to obtain financing. I am requesting that the company provide full validation of the alleged debt, including the original creditor, account records, payment history, and documentation showing that I am legally responsible for this balance. If the debt can not be properly verified, I request that this account be removed from my credit report and collection efforts cease.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I called military star to see why my report stated that I still owed money when it was taken from my tax return. They connected me with the collection company and I asked the same thing and got told that the people who could handle my problem were not available and they'd call me back they never have. I have even stated that I have documentation showing that the irs took it from my taxes and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: ID

Complaint narrative:
Heres a strong, regulator-focused CFPB follow-up email. It stays factual, emphasizes the incomplete response, and clearly documents what MOHELA still has not provided. Dear Consumer Financial Protection Bureau, I am submitting a follow-up regarding my prior complaint against MOHELA concerning interest accrual and account accounting transparency on my federal student loans. MOHELA responded to my complaint ; however, their response did not fully address the core issue raised. Specifically, MOHELAs response only addressed the SAVE administrative forbearance period from XX/XX/XXXX through XX/XX/XXXX. My complaint also specifically concerned the federally mandated CARES Act payment pause and XXXX XXXX interest period from XX/XX/XXXX through XX/XX/XXXX. Despite my requests, MOHELA still has not provided a complete loan-level accounting or documentation showing how my current balances were calculated. To date, I still have not received : Interest accrual dates by individual loan Any capitalization event history and corresponding dates A complete payment application history ( principal vs interest ) A reconciliation of current balances Documentation confirming that no interest accrued during the CARES Act 0 % interest period A full transaction ledger covering XX/XX/XXXX through present Instead, MOHELA issued a generalized response stating that no interest accrued during the SAVE administrative forbearance period. This did not resolve my request concerning the CARES Act period or provide the detailed accounting records necessary to independently verify the accuracy of my account history. At this time, I am requesting CFPB assistance in obtaining a complete accounting and transaction history for all loans serviced by MOHELA so I may verify compliance with the CARES Act interest suspension requirements and ensure no improper interest accrual or capitalization occurred. Thank you for your time and assistance. Sincerely, XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: CA

Complaint narrative:
Im having an issue with chime bank. I had a rent payment set on auto pay with my rental company, the rent comes out of my chime account. The payment on XXXX XXXX was returned from my bank so I open the app to see someone in XXXX XXXX, California has used my card for {$150.00} at a place called go fish sushi bar. That fraudulent charge costs me a {$100.00} returned payment fee with my rental company which made me pretty upset but I figured chime would probably pick up the fee because this is strictly due to them not protecting my accounts. I opened a dispute with them and filed a bunch of supporting documents they requested. The chime bank has denied my dispute two separate times now. This has happened multiple times now with chime and I dont know what to do besides just leave the bank and lose out on hundreds of dollars stolen from me. I believe they super susceptible to hackers because they let the card be used like a credit card without a pin. If theyre gon na act like a credit card company they should be protecting their clients accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unverifiable information reporting on my consumer file. The credit reporting agencies and furnishers have failed to maintain maximum possible accuracy as required under the Fair Credit Reporting Act. I dispute the reporting of the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX because these addresses are inaccurate and should not be associated with my consumer report. I also dispute XXXX XXXX XXXX XXXX XXXX XXXX reporting a collection balance of {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX reporting a charge-off with a {$0.00} balance, and XXXX XXXX XXXX XXXX reporting a charge-off balance of {$640.00} because I have not been provided proper verification, signed agreements, or documentation validating the accuracy and ownership of these accounts. In addition, I dispute the following inquiries reporting on my consumer file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 609 ( a ) ( 1 ), I requested all information contained in my consumer file, including furnisher names, addresses, contact details, original creditor information, account opening details, date of first delinquency, records of charge-offs or collections, copies of all verification documents, the permissible purpose for each inquiry, and the exact dates each inquiry was made, yet this information has not been properly provided.

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 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unverifiable information reporting on my consumer file. The credit reporting agencies and furnishers have failed to maintain maximum possible accuracy as required under the Fair Credit Reporting Act. I dispute the reporting of the following inaccurate addresses : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX because these addresses are inaccurate and should not be associated with my consumer report. I also dispute XXXX XXXX XXXX XXXX XXXX XXXX reporting a collection balance of {$1300.00}, XXXX XXXX XXXX XXXX XXXX XXXX reporting a charge-off with a {$0.00} balance, and XXXX XXXX XXXX XXXX reporting a charge-off balance of {$640.00} because I have not been provided proper verification, signed agreements, or documentation validating the accuracy and ownership of these accounts. In addition, I dispute the following inquiries reporting on my consumer file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under FCRA 609 ( a ) ( 1 ), I requested all information contained in my consumer file, including furnisher names, addresses, contact details, original creditor information, account opening details, date of first delinquency, records of charge-offs or collections, copies of all verification documents, the permissible purpose for each inquiry, and the exact dates each inquiry was made, yet this information has not been properly provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal complaint regarding inaccurate, incomplete, and potentially unverified information appearing on my Experian , Equifax, and XXXX credit reports under the Fair Credit Reporting Act ( FCRA 1681 et seq. ). The disputed items include inaccurate address information listed as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which I do not recognize or associate with my residence history, raising concerns of mixed file reporting or incorrect identity association. I also dispute credit inquiries from XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX dated XX/XX/XXXX, as I have not been provided sufficient documentation confirming permissible purpose or authorization for these inquiries. Additionally, I dispute the collection account reported by XXXX XXXX XXXX XXXXXXXX XXXX XXXX with a balance of {$3900.00} XXXX XXXX as I have not received adequate validation such as original creditor documentation, chain of assignment, payment history, or proof of legal ownership of the alleged debt. These issues raise concerns under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) requiring maximum possible accuracy, 15 U.S.C. 1681i requiring reasonable reinvestigation of disputed information, 15 U.S.C. 1681b requiring permissible purpose for credit inquiries, and 15 U.S.C. 1681s-2 requiring furnishers to report accurate and fully verified information. The continued reporting of potentially inaccurate addresses, unverified inquiries, and unvalidated collection data is negatively impacting my credit profile and financial standing.

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 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Reported alleged debt to all XXXX credit bureaus on XX/XX/year> for the amount of {$760.00} dollars, i already requested a debt validation letter and they have not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Fraudulent Collection Account Dear CFPB, I am writing to formally dispute a account that I believe to be fraudulent and not associated with me. According to my records, this account was opened without my consent and is a result of identity theft. The details of the fraudulent account are as follows XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$320.00} XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ) Section 605B, I am requesting the immediate removal of this account from my credit report. This account should be blocked due to its fraudulent nature, as it does not pertain to any authorized transaction made by me. I have already filed a report regarding this identity theft on XXXX and have an FTC Identity Theft Report to support my claim. The account in question was opened without my consent, making it imperative that you act to resolve this matter swiftly in compliance with federal law. Please find the following documents attached to support my dispute : 1. A copy of my FTC Identity Theft Report. 2. A copy of my government-issued ID ( e.g., driver 's license or passport ). 3. Proof of address ( e.g., recent utility bill or bank statement ). 4. Any additional documentation that may strengthen my case ( e.g., a statement of account or correspondence with the creditor ). I appreciate your prompt attention to this matter and look forward to your confirmation that the collection account has been removed from my credit report. Should you need any further information, please contact me at the phone number or email address provided above. Thank you for addressing this urgent issue. Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a Wells Fargo customer for 8 years. This is my first bank account in the USA, and I have maintained a completely clean history with no overdrafts or prior monthly service fees. Starting XX/XX/year>, Wells Fargo began charging me a $ 15 monthly service fee after my balance fell below the new {$1500.00} minimum daily balance requirement. The policy change raising the minimum balance from {$500.00} to {$1500.00} and increasing the fee from {$10.00} to {$15.00} was not clearly communicated to me through any dedicated mail, email, or prominent notice. I only became aware of the charges after they had already posted on my statements. Wells Fargo previously issued a partial refund, but continued to charge the monthly fee. The total disputed amount is now approximately {$60.00} ( including the most recent {$15.00} fee ). I previously filed a CFPB complaint. XXXX XXXX XXXX office contacted me and referenced Wells Fargo case number XXXX. I also spoke with an escalation manager, who stated that the bank is firm and will not refund the fees, providing no new explanation beyond their previous response. The previous CFPB complaint was closed by Wells Fargo with the statement that no new explanation was received. This ongoing refusal is unfair to a long-term loyal customer who did not receive adequate notice of the major policy changes. I am requesting a full goodwill refund of all disputed monthly service fees ( {$60.00} ) as a one-time courtesy for my XXXX relationship. If Wells Fargo continues to refuse a full refund, I am prepared to file a claim in small claims court in XXXX XXXX, California, to recover the fees plus court costs. Please require Wells Fargo to provide the full refund and confirm the resolution in writing.

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 2026-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Lockhart, Morris & Montgomery Inc.
State: WI

Complaint narrative:
During XXXX Ive gotten really sick and need and ambulance. I was charged XXXX $ witch at the time I was out of work due to the pandemic, and sickness. Its been so hard since then. This bill is from XXXX!!! And its been killing me just as XXXX did. But its lasted longer than the pandemic!! My credit score has been going completely down due to this 1and only medical bill on my credit report!!! Ive tried to reach out and try and settle for XXXX XXXX now its been XXXX of negativity impacting now score. No one else has even put medical bills on civilians credit report. If Im not mistaken the president created a law that prohibits such.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: OK

Complaint narrative:
Went to to a local XXXX and inquired about a phone they said let me put ur info in to see what deal I can get I declined and was still fraudulently signed up for service th manager supposedly fixed it but they still sent me a bill for a early termination fee went collections and now is inaccurately and falsely being reported on my credit report its not right

Company response to consumer: Closed with non-monetary relief