vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account have my transactions on separate dates within there to four days later when my money have already been taken out of my account the same day because I use apply pay and I check my banking regularly. I have been waiting for my big XXXX check and they said that it was already deposited when it never was deposited and I never received my {$640.00}. Theyre withholding my money.

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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: UT

Complaint narrative:
On XX/XX/year>, I discovered an unauthorized charge of {$24.00} on my XXXX  account labeled " XXXX. '' This was not initiated by me via the app or website. My account security remained intact, I have exclusive access and my password was not compromised. When I contacted XXXX  to dispute the charge, they abruptly ended the support chat and suspended my account without resolution. Subsequent attempts to reach them by phone during business hours have failed. I also contacted the merchant, but they have been unhelpful, repeatedly requesting my card number over email despite being informed the charge originated via XXXX. With both XXXX and XXXX, I was requesting a full refund and the prevention of any future unauthorized charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
Nowhere does it say how i can pay the debt and thats what im trying to do. This is the first letter i have received, and the debt is from 2019. I WANT TO PAY THE DEBT BUT HOW??

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I disputed an airline charge in the amount of {$420.00} that posted on XX/XX/year>. 

I filed the dispute with my bank on XX/XX/year> and submitted supporting documentation explaining why the charge was incorrect. 

The bank responded with a general explanation that did not address the documentation or the substance of the dispute. I requested clarification and complied with all requests for additional information, including completing forms and submitting evidence as instructed. 

Despite this, the bank issued repeated responses that relied on the same explanation and did not address the materials provided. The dispute was closed without a meaningful review of the documentation or a substantive response to the issues raised. 

I am submitting this complaint because I am seeking a proper review of the dispute and the supporting evidence, which has not occurred.

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 2026-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: IL

Complaint narrative:
During 2023, my spouse and I contacted our mortgage servicer, M & T Bank, to request assistance through a loan modification for our FHA mortgage. While the loan modification was under review, we were informed that mortgage payments were not required during the modification review period. 

Based on this guidance, we acted in good faith and did not submit payments while the modification review was pending. Despite this, the servicer later reported multiple late payments to the credit bureaus for the same months that the loan modification was under active review. 

The late payments reported appear as a single consecutive group during 2023. These late payments were not the result of neglect or unwillingness to pay, but rather occurred because we relied on the servicers instructions during the modification process. 

Once the loan modification review concluded and we were informed that payments were required, we resumed making payments immediately. The account has remained current since that time and is presently in good standing. 

We later contacted the servicer to request correction or removal of the late payment reporting, explaining that the non-payments occurred based on the servicers guidance during the loan modification review. That request was denied without resolving the underlying issue. 

The continued reporting of these late payments does not accurately reflect our payment obligation during the loan modification review period and is causing significant and ongoing harm to our credit profile. 

I am requesting that this matter be reviewed by M & T Banks XXXX department and that the late payment reporting associated with the loan modification review period be corrected or removed, or otherwise updated to accurately reflect that payments were not required during that time.

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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I funded a XXXX  payment using my XXXX  balance. XXXX  redirected my funds to satisfy another users negative balance without my consent. I am not the debtor, I do not owe XXXX  money, and I was not warned my funds would be forfeited. XXXX  refuses to explain how this is lawful or provide recourse. I am requesting return of my funds but they refuse to give it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Harris & Harris, Ltd.
State: MI

Complaint narrative:
This company that I do not have an agreement or contract with falsified information with the intent of extorting money from me including misusing my information without my consent. They were told to validate said information and to provide certain information be they didn't. They also removed the false information from credit profile which is an admission of guilt. These are some of the violations. 

XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

Violations may include : Reporting inaccurate information ( 1681e ( b ) ) Failure to conduct a reasonable reinvestigation after a dispute ( 1681i ) Failure to provide proper notice of debt collection ( 1681g ) Willful or negligent noncompliance ( 1681n, 1681o ) Punitive damages for willful noncompliance Identity Theft and Unauthorized use of identifying Disclosure of non-public personal information without consent False or misleading representation of a debt ( 1692e ) Attempting to collect a debt not owed ( 1692e ( 2 ) ) Failing to validate the debt after request ( 1692g ) Unfair practices in collection ( 1692f )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/year>, I received an email from Synchrony stating Thanks for using PayPal Credit Card for your purchase on XX/XX/year>, and assigning promotional financing terms. This confirms that Synchrony processed a new transaction on an account I did not authorize and have repeatedly disputed. I did not make this purchase, did not authorize it, and did not have access to any PayPal Credit Card to perform it. 

This new transaction demonstrates that Synchrony continues to treat a fraudulent account as valid, continues to allow charges, and continues to attribute activity to me despite prior fraud reports. Synchrony has not provided any investigation results, has not provided any logs showing how this account was opened or used, and has not stopped activity on the disputed account.

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 2026-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- CONSUMER FINANCIAL PROTECTION BUREAU FORMAL CONSUMER COMPLAINT -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Company : PayPal What happened? 

PayPal permanently limited my account and placed a XXXX hold on my balance. 
The funds being held are from personal person-to-person transfers, not from sales or business activity. I provided valid government-issued identification as requested. There are no disputes, chargebacks, or claims related to these funds. PayPal has not provided a specific policy violation or legal authority explaining why my funds are being with with held

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of a collection account being reported on my consumer file by National Credit Adjusters XXXX National Credit Audit, including but not limited to the account ( s ) reporting balances of approximately {$240.00} and {$6700.00}.

This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and, where applicable, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ).

The account is inaccurate and legally deficient for the following reasons : The furnisher has not provided competent evidence of an enforceable consumer obligation No documentation has been produced establishing ownership, assignment, or authority to collect The account lacks complete itemization, including original balance, fees, interest, or payment history The information is being reported inconsistently and without proof of maximum possible accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mortgage Research Center, LLC
State: IN

Complaint narrative:
Hello, XXXX XXXX XXXX XXXX has been extremely unprofessional and came close to costing my job. He lacked communication with my insurance company. Often changed prices of things without notifying me. Harassed my manager to the point my manager wanted to file a complaint with XXXX to stop emailing him. I lost out on my advancement because of the harassment. My manager was very stern on the last email to XXXX to get him to stop emailing. Telling my manager they do not believe clients. I have proof XXXX said to me they trust clients. Closing details were provided the day of and not 3 days before. XXXX XXXX tried to and insisted other properties were mines. Same with where I was living. I told XXXX XXXX I did not reside at a location I just paid to rent a few places. XXXX then against the email we agreed on went against what was discussed and did not provide information in disclosures until I was already done signing the title. So now there is false information in disclosures XXXX XXXX made up. I had to sign but XXXX should be investigated providing documents late for closing and incorrect information despite proof we have in email. 

XXXX XXXX told me they had more important things to handle than getting all information for loan in a timely manner. Loan closing pushed back multiple times because of XXXX. Unorganized and unprofessional. I should have used another 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 explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am submitting this complaint to request assistance regarding XXXX XXXX continued reporting of an account that I dispute as identity theft / unauthorized use. 



I formally disputed this account with all three major consumer reporting agencies XXXX XXXXx, and XXXX XXXXnd directly notified American Express that : I did not authorize the opening or use of this account I did not receive any benefit, money, goods, or services from the account The account is the result of identity theft or misuse of my personal information On XX/XX/year>, American Express sent me a letter stating that it could not complete a fraud investigation due to insufficient information. I am fully cooperating and have returned the requested fraud affirmation documentation confirming the above facts. 



Despite proper notice through multiple credit bureau disputes and direct communication, the account continues to be reported in a manner that is inaccurate, harmful, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : Failure to conduct a reasonable investigation after notice from Experian, Equifax, and TransUnion ( XXXX XXXX. XXXX ( b ) ) Continued reporting of disputed information without proper resolution Improperly shifting the investigative burden onto the consumer after sufficient notice of identity theft I am requesting CFPB assistance XXXX ensure that American Express XXXX XXXX a complete and reasonable fraud investigation Corrects or removes any inaccurate information being furnished to XXXX XXXX, and XXXX American Express Identity Theft / Inaccurate Credit Reporting Consumer Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor : American Express Account XXXX : Account ending in XXXX Provides written confirmation of the investigation outcome Complies fully with all FCRA obligations I have acted in good faith at every stage and am seeking a fair, lawful, and timely resolution. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This complaint is in regard to an account reporting to my the Transunion credit bureau. I filled a debit validation letter asking for proof that the debt was being reported correctly and from the response that i was given, it clearly shows that this debt has been acquired by other companies in order to collect i have attached a response from XXXX XXXXXXXX XXXX that proves that they should not be reporting this debt on my credit report on all three credit reporting agencies. after you review I am insisting that this reporting be removed from my Transunion credit report. I have attached the debt validation letter along with the creditors response. The Account number is attached to the documents sent over

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 2026-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This complaint is in regard to an account reporting to my the XXXX credit bureau. I filled a debit validation letter asking for proof that the debt was being reported correctly and from the response that i was given, it clearly shows that this debt has been acquired by other companies in order to collect i have attached a response from XXXX XXXX XXXX that proves that they should not be reporting this debt on my credit report on all three credit reporting agencies. after you review I am insisting that this reporting be removed from my XXXX credit report. I have attached the debt validation letter along with the creditors response. The Account number is attached to the documents sent over

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 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Accounts Service Team Inc.
State: AR

Complaint narrative:
An account originally associated with XXXX XXXX was reported and later placed or transferred to a third-party collection agency, Financial Accts Ser. This account contains multiple inaccuracies, including conflicting reporting dates and an incorrect balance. The account was reportedly assigned on XX/XX/XXXX, yet it continues to be reported with status dates in XX/XX/XXXX, which is inaccurate and misleading. The amount allegedly owed is approximately {$210.00}, but the reporting fails to provide consistent or verifiable information to support this balance. 

After disputing these inaccuracies, the company continued to report the account as unpaid without conducting a reasonable investigation or providing required documentation, such as a signed service agreement, itemized billing statements, proof of service, or proof of lawful assignment and permissible purpose. This failure violates consumer rights under the Fair Credit Reporting Act, including 15 U.S.C. 1681e ( b ) ( requirement to maintain maximum possible accuracy ), 15 U.S.C. 1681b ( permissible purpose ), and 15 U.S.C. 1681i ( duty to conduct a reasonable reinvestigation after notice of dispute ).

By continuing to furnish inaccurate and unverifiable information, the companies involved are violating their obligations under 15 U.S.C. 1681s-2, which requires furnishers to correct or delete inaccurate information. These ongoing inaccuracies are harming my credit profile, and the account has not been corrected or deleted despite proper dispute.

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 2026-01-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX I C SYSTEM XXXX XXXX XXXX XXXX XXXX, MN XXXX RE : FINAL NOTICE - FAILURE TO VALIDATE DEBT | VIOLATIONS OF THE FDCPA & FCRA ACCOUNT # : XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above-referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in Alabama 5. Surety bond information ( if required by law in your jurisdiction ). A billing summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. Additionally, continued collection efforts without proper validation violate the FDCPA, specifically : 15 U.S.C. 1692e - False or misleading representations 15 U.S.C. 1692f- Unfair practices 15 U.S.C. 1692g - Failure to validate debt If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S.C. 1681n and 1692k, including but not limited to statutory damages, punitive damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, and pursue civil litigation. 
Sincerely, XXXX XXXX XXXX I sent this and NEVER got a response.

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 2026-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This complaint is in regard to an account reporting to my the XXXX credit bureau. I filled a debit validation letter asking for proof that the debt was being reported correctly and from the response that i was given, it clearly shows that this debt has been acquired by other companies in order to collect i have attached a response from XXXX XXXX Co that proves that they should not be reporting this debt on my credit report on all three credit reporting agencies. after you review I am insisting that this reporting be removed from my XXXX  credit report. I have attached the debt validation letter along with the creditors response. The Account number is attached to the documents sent over

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc.
State: GA

Complaint narrative:
According to Law 15. U.S.C 1692C you have violated my rights by unlawful communications. Please remove this collection from my credit report. Thank you.

Company response to consumer: Closed with explanation