vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing this complaint regarding PayPals handling of my dispute, which resulted in me losing both the merchandise and over {$300.00} despite following PayPals explicit instructions. I purchased a wig for approximately {$300.00}. After receiving the item, I determined it did not match the product selected at checkout. During my dispute with the seller, it was acknowledged that the item had been altered ( the lining was removed ). This information was fully disclosed in my PayPal dispute case and visible to both the seller and PayPal. PayPal initially ruled that I must return the item to receive a refund. Before returning it, I contacted PayPal directly to confirm that I could return the item despite it being altered, since the sellers terms state items must be returned in original condition. I clearly explained that the item had been altered and asked if this would affect my refund. A PayPal representative confirmed that it was acceptable to return the item and that I would still receive my refund. I have this confirmation recorded. Relying on PayPals guidance, I paid an additional $ XXXX in return shipping and sent the item back to the seller. After the seller received the returned item, PayPal reversed its position and denied my refund solely because the item was not in its original condition a fact that was already disclosed and acknowledged before I returned it. As a result : The seller has the returned merchandise. I no longer have the item. I lost over {$300.00} plus return shipping. I relied on PayPals explicit instruction before acting. PayPals decision contradicts the guidance provided by its representative and caused me financial harm. I am requesting a full refund of the original transaction amount due to PayPals inconsistent and misleading dispute handling.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United PanAm Financial Corp.
State: MD

Complaint narrative:
Debt was removed from credit then later reported again.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. i am stressed out because this company is violating my rights Under 15 U.S.C. 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: NY

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am filing this complaint against Bank of America for systematically obstructing my legal right to dispute a fraudulent transaction under the Fair Credit Billing Act ( FCBA ). Transaction : {$74.00} to XXXX on XX/XX/year>. The Issue : The merchant failed to deliver the items and provided a falsified XXXX tracking number ( XXXX ) which does not exist in the XXXX system. Bank Obstruction : > XXXX. The BofA App refused to process the dispute online. XXXX. I called BofA twice. The first time, after entering my sensitive info, the system disconnected. The second time, I was placed on hold for over XXXX minutes with no callback option. BofA is effectively holding my funds XXXX and protecting a fraudulent merchant by disabling all support channels. I demand that BofA immediately initiate a chargeback for this transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I was approached XXXX XXXX XXXX looking for donations for a school. I said I would contribute {$5.00}, but XXXX minutes after the transaction, I realized they had charged my Chase debit card twice for {$2000.00} under a company named " XXXX XXXX '' ( description is XXXX XXXX XXXX XXXXXXXX XXXX IN ). I immediately went home and called Chase bank to report the transactions and freeze my account while the charges were still marked as pending. I asked Chase if a police report was necessary and they said it wasn't necessary unless Chase asked for it. I opened a claim with Chase bank. However, a few days later, the charges went through and I received a letter from Chase saying that since the transactions appeared authorized, no adjustment would be made to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 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: CT

Complaint narrative:
I am submitting this complaint because my TransUnion credit report contains inaccurate and unverified information that is negatively impacting my credit profile. CHARGED OFF ACCOUNT BANKCRUPTCY Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} This entry is reporting as a charged-off account, which is inaccurate. Bankruptcy should not be reported as a tradeline account. Reporting it this way is misleading and damaging. I am requesting proof that this tradeline is being reported correctly under FCRA guidelines. If this is meant to represent a public record, it should not appear as a charged-off account. If TransUnion can not provide full documentation validating this reporting format, I request immediate deletion. INQUIRY DISPUTE TRANSUNION XXXX XXXX Inquiry Date : XX/XX/XXXX I do not recall authorizing this hard inquiry. Under the FCRA, any company accessing my credit report must have a permissible purpose. I am requesting documentation showing : My signed authorization The application connected to this inquiry Proof of permissible purpose If TransUnion and XXXX XXXX can not provide written proof of authorization, this inquiry must be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Information was disputed XXXX times, and XXXX had it removed but XXXX or XXXX did not remove as of yet. Capital One Auto Finance Balance owed is stated to be {$2000.00} which is charged off. However, I have a very common name and it has been used several times in the past by banks, and auto loans. XXXX XXXX is reporting to XXXX with a {$0.00} balance and closed. XXXX XXXX XXXX has reported a {$32.00} balance on XXXX, XXXX, and XXXX with XXXX or XXXX late fee attached. I have an account with outstanding payment made on time. XXXX account does not represent me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Midland Credit Management , Inc. Re : Account XXXX. XXXX XXXX XXXX XXXX Alleged Original Creditor : XXXX XXXX XXXX XXXX. To Whom It May Concern, I am in receipt of your enclosure, which consists solely of a single-page XXXX XXXX XXXX credit card statement dated XX/XX/year> to XX/XX/year>, reflecting a balance of {$660.00}. Your response fails entirely to satisfy the requirements of proper debt validation under 15 U.S.C. 1692g and applicable federal law. A billing statement is not validation. The document you provided is merely a periodic account statement. It does not establish : The existence of any legally binding contract bearing my wet signature Any agreement between myself and Midland Credit Management Any assignment or transfer of the alleged account to your company Any chain of title Any proof that Midland Credit Management owns this account Any evidence of the amount allegedly paid for the account Any sworn affidavit from a XXXX XXXX XXXX Any competent evidence that the balance claimed is accurate or legally enforceable The statement you enclosed is not a contract. It does not bear my signature. It does not demonstrate lawful assignment. It does not prove standing. It does not validate the debt. Additionally, my original demand explicitly required a full chain of title, certified purchase agreement, itemized accounting, documentation of date of first delinquency, proof of licensing, and sworn affidavit from a custodian of records None of those documents were provided. Providing a generic billing statement from an alleged original creditor does not constitute validation. Courts have repeatedly held that a debt collector must provide competent evidence of ownership and the right to collect. Mere possession of account data or a prior statement is insufficient. As of this date, you have failed to validate the alleged obligation. Accordingly : You must immediately cease all collection activity. You must cease all reporting of this account to any consumer reporting agency. If you have reported this account, you must immediately request deletion from XXXX XXXX and XXXX. You must provide written confirmation that this account has been closed and permanently deleted. Continued reporting of an unvalidated debt after receipt of a timely dispute constitutes knowing and willful noncompliance with the FDCPA and may also constitute violations of the FCRA, including but not limited to 15 U.S.C. 1681s-2 ( b ). This letter is not a refusal to pay. It is a formal notice that your attempted validation is legally deficient and does not meet statutory requirements. Govern yourselves accordingly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: NY

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to tak timely and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience ano financial loss, and I seek appropriate redre for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United PanAm Financial Corp.
State: MD

Complaint narrative:
The car was totaled out and was paid in full by person at fault insurance company. They later said it didnt cover the full amount because of past due amount. I later setup a settlement with them and paid. Ive disputed this using XXXX XXXX a few times and it would be updated as account removed but then they go back in and re-report it every year. Not to mention this was over 7 years ago so it should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/year> at approximately XXXX PM, I submitted a formal dispute through Cash App regarding multiple unauthorized electronic fund transfers identified as XXXX XXXX Cash App Pay transactions totaling approximately {$970.00}. These transactions occurred between XX/XX/year> and XX/XX/year> and included repeated charges occurring within minutes of each other, including late-night and early-morning hours. I did not authorize these transactions. As of today, XX/XX/year>, more than XXXX business days have passed since the dispute was filed. The XXXX business day occurred on XX/XX/year>. Cash App has : Not issued provisional credit. Not provided written notice extending the investigation. Not provided investigation results. Not provided documentation supporting authorization. Not provided any substantive update regarding the dispute. Under Regulation E ( 12 CFR 1005.11 ), if a financial institution can not complete its investigation within XXXX business days, it must provisionally credit the consumers account and notify the consumer. Cash App has failed to do so. Additionally, after I submitted the dispute, my account access was restricted and/or subject to unverification review, limiting access to my funds. The timing of this action occurred immediately after I exercised my dispute rights. I am requesting review of Cash Apps failure to comply with Regulation E provisional credit requirements and investigation procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: CA

Complaint narrative:
CFPB, I am submitting an additional complaint regarding Fizz. After my prior complaint, I have continued to receive multiple text messages threatening damage to my credit score and potential legal action. I want to be very clear : I am not attempting to avoid paying any legitimate balance that I owe. However, the repeated threats regarding credit damage and legal action particularly following my prior complaint feel coercive and intimidating. The frequency and tone of these messages raise serious concerns about whether this communication is compliant with consumer protection standards. Specifically : I am receiving repeated text messages. The messages reference credit score damage. The messages reference potential legal action. The communications have continued despite my prior dispute and complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diverse Funding Associates LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX To : XXXX XXXX Debt Validation Request Dear XXXX XXXX, I am writing in response to your communication regarding the above-referenced account. This letter is a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide me with the following : XXXX. The name and address of the original creditor. XXXX. The amount of the alleged debt, including a detailed breakdown of any interest, fees, or other charges added. XXXX. Copies of any documents bearing my signature that show I agreed to assume responsibility for this debt. XXXX. Documentation showing that you are legally authorized to collect this debt, including proof of assignment or ownership of the account. XXXX. The date of the alleged default and the date of the last payment made on this account. Until you provide the above-requested validation, you must cease collection activities and any reporting of this account to consumer reporting agencies. This request is not a refusal to pay, nor is it an admission that I owe this debt. Thank you for your cooperation. Sincerely, XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have reviewed my credit report and there is an account in question which is Comenity Bank/Victoria Secret account XXXX I have already disputed several times and nothing is happening. XXXX and XXXX Bureau shows the account opened on XX/XX/year>, while XXXX shows XX/XX/year>. The balance is showing amount {$0.00}. The High Credit is reported as {$860.00} on XXXX and XXXX but {$0.00} on XXXX. The XXXX XXXX is reported as {$300.00} on XXXX and XXXX but {$0.00} on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
FHA XXXX # XXXX. Freedom Mortgage Corporation failed to honor a completed Trial Period Plan ( TPP ) established by prior servicer XXXX XXXX on XX/XX/XXXX. All three TPP payments of {$2100.00} were made in full. 1 Payment to XXXX and 2 payments to Freedom Mortgage, who then refused to convert the completed TPP to a permanent modification, illegally demanded loan assumption in violation of the XXXX XXXX XXXX ( 12 U.S.C. 1701j-3 ( d ) ) and 12 C.F.R. 1024.30 ( d ), removed the loan from the Estate of XXXX XXXX with XXXX & XXXX XXXX listed as successors as stated on XXXX documentation, and issued a new TPP in the name of XXXX XXXX deceased since XXXX. Freedom Mortgage 's XX/XX/XXXX letter closed the loss mitigation review solely because assumption was not completed an illegal condition under federal law. Freedom Mortgage 's own billing statements dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX simultaneously state " your account has been referred to an attorney for foreclosure '' and " you are participating in a Mortgage Assistance Program '' demonstrating a pattern of dual tracking on the face of their own documents, in direct violation of 12 C.F.R. 1024.41 ( g ). Three payments of {$1800.00} were made under the invalid second TPP issued to a deceased borrower in good faith to avoid wrongful foreclosure and must be refunded. Freedom Mortgage subsequently offered a permanent modification at 7 % interest more than double the original 3 % rate capitalizing {$28000.00} in fees and interest caused entirely by their own servicing failures onto the principal balance, bringing it from {$190000.00} to {$220000.00}. Foreclosure auction is scheduled XX/XX/XXXX. A formal Notice of Error and Request for Information was filed XX/XX/XXXX under 12 C.F.R. 1024.35. Freedom Mortgage 's XX/XX/XXXX response failed to address any identified errors, itself violating 12 C.F.R. 1024.35 ( e ). Total damages from improper fees, interest, and escrow advances caused by Freedom Mortgage 's servicing failures exceed {$20000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Modlin Slinsky, P.A.
State: FL

Complaint narrative:
XXXX XXXX Re : Account XXXX. XXXX To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), I demand that you XXXX XXXX immediately cease all communication XXXX XXXX with me regarding the above-referenced alleged debt. This includes calls, letters, or contact with third parties ( e.g., family, employer ). Any further communication, except to confirm receipt of this letter or to notify me of legal action, will be considered a violation of the FDCPA. I reserve the right to report violations to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Reporting violations Under FCRA Law, the debt was supposedly deleted but the late payment history still remains, why? That's not a deletion, that's deception disguised as a REPORTING VIOLATION!!! You can't remove/delete the debt and leave the late payment history still effecting my credit report & score!!! I've disputed this debt multiple times with no actual resolution, I want my {$1000.00} I'm owed for each credit-reporting violation on this account because they need to realize the XXXX ends now! DELETE THE ENTIRE ACCOUNT & ALL RELATED INFORMATION OFF MY CREDIT REPORT PERMANENTLY!!!

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