vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-07 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: Paypal Holdings, Inc
State: FL

Complaint narrative:
I am filing a complaint against XXXX regarding the mishandling and excessive delay of multiple dispute and chargeback cases on my account. The cases involved are : XXXX {$48.00} ( response expected XX/XX/year> ) XXXX {$160.00} ( response expected XX/XX/year> ) XXXX {$88.00} ( response expected XX/XX/year> ) XXXX {$160.00} ( response expected XX/XX/year> ) PayPal has provided multiple and inconsistent deadlines for XXXX XXXX. Several of these deadlines ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) have already passed without any resolution, update, or final determination. Despite these missed deadlines, I continue to receive generic responses stating that the cases are still under review and that I should continue waiting. No clear explanation has been provided as to why the stated timelines were not followed. I have made multiple attempts to resolve this issue through PayPals customer support, including several phone calls. During these calls, I experienced disconnections and was often given no meaningful information. I was also directed to a phone number for debit card support that does not handle these types of disputes, which caused further delay and confusion. Additionally, PayPal has stated that if a merchant does not respond within the allotted timeframe, they will proceed with a decision. However, even after those deadlines have passed, no action has been taken. This demonstrates : Failure to follow stated timelines Inconsistent and misleading communication Lack of proper customer support Ongoing delays without resolution I am requesting that PayPal : Immediately complete the review of all listed cases Issue final determinations without further delay Provide a clear and accurate explanation for the missed deadlines I am seeking a timely and fair resolution, as well as accountability for the handling of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NJ

Complaint narrative:
I am a former tenant of an XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Arizona. I vacated the unit on XX/XX/XXXX, after an XXXX tenancy, and documented the apartment 's condition with photos and video upon move-out. My final move-out statement included a {$180.00} charge for " kitchen counters resurfaced. '' I disputed this charge because the countertops showed only normal wear and tear. Between XX/XX/XXXX and XX/XX/XXXX, the property management company gave me XXXX different and contradictory explanations for the charge : " chips and scratches '' ( XX/XX/XXXX ), " dirty glass stovetop with burn marks '' counted as part of the countertop ( XX/XX/XXXX ), " discoloration '' ( XX/XX/XXXX ), and " noticeable chips '' ( XX/XX/XXXX, via email ). The stovetop explanation is demonstrably false, as my move-out statement includes a separate {$30.00} charge for " oven/stove top '' cleaning, proving the stovetop was assessed as its own item. The photographic evidence provided by the company itself shows only minor surface-level marks consistent with normal use, not damage requiring a {$180.00} resurfacing. My lease states charges apply only for damages caused by negligence, carelessness, accident, or abuse. I formally disputed the charge in writing on XX/XX/XXXX and XX/XX/XXXX. The property management company refused to remove it both times and sent the disputed debt to IQ Data International for collection. On XX/XX/XXXX, IQ Data International contacted me regarding this debt. Despite the debt being actively and formally disputed, their representative was aggressive and unprofessional. Rather than acknowledging or addressing the legitimacy of my dispute, the representative lectured me about not caring about my credit score in an attempt to pressure me into paying. This conduct appears to violate the Fair Debt Collection Practices Act, which prohibits harassment, false representations, and unfair practices by debt collectors. Additionally, IQ Data 's collection of a debt that was formally disputed in writing, without first verifying its validity, may violate CFPB Regulation F, which requires collectors to communicate with consumers about a debt before reporting it to credit bureaus. I am requesting that IQ Data International cease collection activity on this disputed debt, remove any credit bureau reporting related to it, and that the underlying {$180.00} charge be removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: OH

Complaint narrative:
XX/XX/XXXX payment in amount of {$790.00} to Rocket Mortgage payment. They never cashed check. Stopped payment on check XXXX weeks later. Then called in payment on XX/XX/year>. XXXX was declined. Mailed another check XX/XX/year>. Rocket Mortgage cashed that check. Applied it to XXXX payment. Called on XX/XX/year>. XXXX again declined. Called Rocket Mortgage on XX/XX/year>. They tell me payment is declined. I didnt nor my bank has declined payment. Ive called bank and they said Rocket Mortgage hasnt tried to take payment out. Ive had the funds in my account each time I have called. They have all my bank information. And I have received confirmation numbers. I have called them several times. Each representative tells me something different. Plus they do not report my Mortgage payments to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 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: FL

Complaint narrative:
A total of XXXX fraudulent transactions charged to my Macy 's American Express Credit Card from XX/XX/XXXX to XX/XX/XXXX. Of these charges XXXX are related to XXXX transactions averaging {$3.00} per charge. I have tried to resolve this issue by calling Macy 's Customer Service number XXXX on a monthly basis on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have escalated the issue to their XXXX XXXX XXXX. Macy 's customer service has been horrific. Their automated touch system does not work. The agents you speak to do not know what they are doing. When you try to escalate the call to a supervisor a supervisor is not available. They commit to call back and I'm still waiting for the call. back. A temporary credit is not provided so the credit card continues to accumulate interest charges. On the XX/XX/XXXX statement they provided a credit for the charges in question but then recharged tbe same amounts. I seek third party help for the billing adjustment since I'm making XXXX headway in resolving the matter directly with Macy 's. This fraud should have been automatically picked up by the Macy 's Fraud Team since it involves obviously automated billing charges. However, their Fraud Team claims they need up to 3 months to resolve. This is the worst credit card Fraud Team I have ever encountered. It is now going on 5 months now with no resolution Please help.

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 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Notice of Intent to Litigate for Credit Reporting Violations I, XXXX XXXX, declared under penalty of perjury that the following statements are true and correct to the best of my knowledge and belief. This Notice demands immediate corrective action regarding wrongful reporting entry on my credit files, which are fraudulent, unauthorized, and in violation of rights afforded under the Fair Credit Reporting Act and North Carolina consumer protection statutes. I. ACCOUNT DETAILS IN QUESTION The following account reported on my credit file are inaccurate and unverified : 1. Fair Collections & Outsourcing # XXXX : Opened : XX/XX/year> : Bal : {$4200.00} XXXX. LEGAL BASIS OF DEMAND a. Breach of Fair Credit Reporting Act : Reporting these accounts without admissible, duly verified, and authenticated documentation, and without permissible purpose, violates FCRAs accuracy and dispute provisions. b. Breach of North Carolina Consumer Protection Statutes : North Carolina prohibits the reporting of erroneous, unverifiable, or unauthorized credit information. The continued reporting of the fraudulent tradelines arising from identity theft violates my consumer rights under state law. XXXX. DEMAND FOR CORRECTIVE ACTION You must, within 15 days of receipt of this Notice : a. Permanently delete the false entry listed above from my credit report. b. Provide valid proof of permissible purpose for reporting each account, including original wet-inksigned contracts and full chain-of-title documentation. c. Deliver a signed, written assurance that all future credit reporting from my file will fully comply with the Fair Credit Reporting Act and North Carolina 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 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
At the time of account approval, I was provided written confirmation indicating approximately {$30000.00} in available spending capacity. This representation was a key factor in my decision to open the account and pay a {$900.00} annual fee. Immediately after the account was opened and the annual fee was charged, my actual available spending capacity was reduced to approximately {$3500.00}. This was not a gradual adjustment or based on usageit was an immediate and substantial reduction that directly contradicted the written representation provided at the time of approval. As a result, the account delivered a small fraction of the represented spending capacity, despite the annual fee being charged based on the higher stated amount. I have written documentation, including emails and in-app messages, confirming both the original ~ {$30000.00} representation and the significantly reduced actual limit that was imposed immediately after account opening. I requested a refund of the {$900.00} annual fee based on this discrepancy, and that request was refused. I am seeking a clear explanation for the discrepancy between the represented and actual terms, as well as appropriate resolution, including reimbursement of the annual fee. They confirmed via email that XX/XX/year> my limit was {$30000.00}. As retaliation for filing a complaint they reduced my limit and refuse to refund me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
Consumer Complaint : Persistent Data Corruption and Payment Processing Failure I am filing this complaint against GM Financial regarding a recurring technical failure in their payment processing system ( XXXX ) that has occurred for XXXX consecutive months. The Issue : For payments submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>, GM Financials system failed to transmit my correct bank account information to the ACH network. The errors are inconsistent and prove a systemic data corruption issue rather than a user typo : XX/XX/XXXX : The transmitted account number was missing a " XXXX ''. XX/XX/XXXX : The transmitted account number contained an extra " XXXX ''. XX/XX/XXXX : The transmitted account number had a " XXXX '' instead of a " XXXX '' as the third digit. Impact & Bank Intervention : Because of these invalid account strings, my credit union XXXX XXXX XXXX was unable to process the transactions automatically. Each month, the bank had to manually post the payments to ensure they were completed on time. Despite the payments being cleared through this manual intervention, I was charged {$10.00} fees for each occurrence. My credit union has acknowledged the technical nature of these errors and waived two fees as a courtesy ; however, I am still out {$10.00}. XXXX XXXX : I have contacted GM Financial multiple times via phone and chat. Most recently, on XX/XX/year>, I attempted a three-way call with my credit union and GM as requested by them ; however, the GM representative disconnected the call immediately upon reaching the bank. In subsequent conversations, GM management refused to take responsibility, claiming that " everything went through '' and " nothing was returned, '' completely ignoring that the payments only processed because of my bank 's manual intervention. They spent more time arguing that an ACH transaction " can not be changed '' than investigating the data corruption occurring between their interface and XXXX. Current Status : Due to the inability to get a satisfactory resolution or technical answer fXXXX XXXX XXXX I have been forced to stop using their portal entirely. I have moved my future payments to my Credit Unions Bill Pay system to ensure my data is transmitted accurately and to bypass GM 's faulty third-party processor.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
I order an item paying for it using Cashapp for {$110.00}. This item was supposed to be delivered to me on XX/XX/year> and I informed the seller and XXXX that after that I would be gone out of town. The driver for XXXX didnt deliver on that day instead the lied and said the attempted to deliver but never did and I have cameras around my home. I spoke with a XXXX at XXXX name XXXX and she said she would call the driver and ask them to hold my package until XX/XX/year> because I would be out of town to a wedding and I did not want my package to be stolen. The XXXX XXXX direct line is XXXX ( XXXX ) XXXX. I reached out to the seller on XXXX XXXX and XXXX customer service and nothing was done and this package shouldnt have been delivered since they purposely missed my commitment delivery date and they was informed I wouldnt be home and I wanted it to be delivered on Monday XX/XX/year>. My account email is for Cashapp is ( XXXX ) Cashapp name ( $ XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I wired {$30000.00} on XX/XX/year> to XXXX XXXX XXXX doing business as XXXX XXXXsing my bank, Chase. However, i found later thaXXXX XXXX XXXX XXXX XXXXcam as they did not deliver the company shares they offered. Subsequently, I ask Chase to recover my money or go after the scammer and was told they can not do anything. They suggested to send complaint to government agencies instead. I then ask my attorney to send demand letters tXXXX XXXX but no luck. Again, my attorney suggested to send complaint to government agencies instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I closed this account in XXXX XXXX XXXX, a charge was made on the account after I closed it. I disputed the charge ( 3 months went by ). The ruled the transaction was legtimate, I disputted it once again. They have documentation that I closed the account in XXXX of XXXX, before the transaction occurred. I called numerous times after, refusing to make a payment. Eventually was put on the line with their Fraud department, a gentlemen I spoke to assured me that it was a technical glitch, that they rolled over and reopened an account on my behalf ( without my approval ) and put the late charge on my account. He said he wiped the account clean and then assured me I would get a confirmation that the account was closed by mail. Didn't happen. I then continued to recieve bills via email. I decided to pay {$50.00} They state that claim review was complete was denied. Apparently everytime I disputed the charge they opened a new account I didn't want. Apparently they have created one account now that shows XXXX and another account stating I owe- {$49.00}. They can't seem to fix this. account number :

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 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX reporting shows inconsistent ; XXXX opened XXXX account XXXX, payment history XXXX balance, term length and charge-off coding across the XXXX major credit bureaus, violating XXXX XXXX. XXXX ( b ). Under XXXX XXXX. XXXX ( a ) and pursuant to XXXX U.S.C XXXX, XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXD, has failed to XXXX a XXXX XXXX XXXX bearing my wet-ink signature and outlining any original terms ), complete payment history, assignment records proving ownership ( including purchase agreement, assignment contracts, and accounting ledgers from the original creditor ) or accurate status coding. Reporting without validation violates 15 U.S.C. 1681s-2 ( a ) ( 3 ). Pursuant to 15 U.S.C. 16815-2 ( a ) ( 1 ) ( A ) and 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted. Delete this account from my credit report.

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 2026-04-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am submitting a complaint regarding significant delays and lack of communication from Truist Bank related to a partial release request on my mortgage. We initiated this request in early XX/XX/year>. Since that time, communication from Truist has been extremely limited, with responses spaced weeks apart despite multiple follow-ups from both myself and our closing attorney. We are currently under contract to sell a portion of our property and have had to extend the closing multiple times due to Truists delays. We are now at risk of losing our buyer. Our loan is very low risk : Current mortgage balance is approximately {$220000.00} Property value is approximately {>= $1,000,000} ( low loan-to-value ratio ) A second lienholder ( approximately {$500000.00} balance ) has already approved the partial release Despite this, Truist has repeatedly delayed progress and has not provided clear guidance on requirements or timelines. Most recently, we were told the request was sent tXXXX XXXX XXXX XXXXr a waiver review with an estimated XXXX week response time, after nearly XXXX months of prior delays. We have requested : A direct point of contact responsible for our file, Confirmation of all outstanding requirements, Clarification of any remaining steps after XXXX XXXX response. Truist has not responded to these requests. The lack of communication and prolonged delays are causing financial harm and jeopardizing our pending transaction. At this point, we are concerned that the servicer is not handling this request in a timely or reasonable manner.

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 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Hello, i was fraudulently scammed of money on venmo on XXXX XXXX. My account relating to venmo is under my phone number and email address of the same. The user, whom I paid to had a false identity of XXXX XXXX, a woman. The person whom venmo support disclosed was a man named XXXX XXXX. I did not authorized a payment to a man named XXXX XXXX. I also, tried the good and services protection, but it was not available as it was an unverified account. I paid for the service, but no good or service was received. I raised this with venmo under claim XXXX XXXX Venmo did not even reach out for my evidence and denied my claim without reasons. I reached out to Venmo for further details, but my emails get bounced back.

Company response to consumer: Closed with explanation