vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Dave Operating, LLC
State: AR

Complaint narrative:
I have attempted to revoke authorization to withdraw funds from Dave multiple times over multiple days. I initiated the revoking more than XXXX days before the money was supposed to be taken out of my account and they refused to acknowledge it. I have sent emails. I have called them on the phone. I have used their in-app chat feature. I have also contacted my bank and my bank told me I had to stop it with the company and then today the XXXX of XXXX they attempted to take {$96.00} and some change out of my bank account. I contacted them again and they keep telling me that I need to talk to a supervisor but a supervisor is never available and a supervisor never contacts me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
On XX/XX/year>, I made an online purchase using my debit card through my PayPal account ( Transaction ID : XXXX ). On XX/XX/year>, I returned the item in person at a physical XXXX XXXX store, and a refund of {$130.00} was issued. This refund is clearly visible in my PayPal account. However, PayPal did not process this refund correctly. Instead of linking it to the original transaction and returning the funds to my debit card, PayPal processed the refund as a separate payment and applied it to my PayPal Cashback Mastercard account. This Mastercard account is closed, and the funds were applied to that account without my authorization. I contacted PayPal multiple times, and they confirmed that the refund was not issued to the original transaction but instead processed separately. They stated they are unable to reverse or reallocate the funds. I also contacted the PayPal Cashback Mastercard team, who confirmed they can not see the original funding source and can not resolve the issue. The merchant does not have access to my original payment method, since the purchase was made through PayPal, and therefore can not control how the refund is routed internally within PayPal. As a result, I am unable to access my refund. I have no control over how PayPal classifies or allocates incoming funds, and this appears to be an internal processing error. I am requesting that PayPal correct this issue and return the refund to the original payment method ( my debit card ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AL

Complaint narrative:
Dear Sir or Madam, I am filing this complaint against XXXX for their ongoing failure to correct inaccurate personal information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I previously submitted a written dispute to the credit bureau requesting correction of inaccurate or outdated personal identifying information including my name, address, and/or employment information. Despite providing documentation proving my correct information, the bureau failed to correct or update my file, instead maintaining false or outdated data. This inaction constitutes a violation of : - FCRA 1681i ( a ) requiring consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes information, and - FCRA 1681e ( b ) requiring bureaus to follow reasonable procedures to assure maximum possible accuracy of the information they report. The presence of inaccurate personal information can cause confusion for creditors, misidentification of accounts, and potential harm to my creditworthiness. The failure to correct verified information despite proper documentation demonstrates noncompliance with federal consumer protection standards. Requested Action : I respectfully request that the Consumer Financial Protection Bureau and the Federal Trade Commission investigate this matter and require Experian to : XXXX. Correct all inaccurate personal identifying information on my credit report. XXXX. Provide written confirmation of these corrections. XXXX. Implement internal compliance measures to ensure adherence to the Fair Credit Reporting Act ( FCRA ). Supporting Documentation : Thank you for your prompt attention to this matter. I trust that your offices will hold Experian accountable for its ongoing violations of the Fair Credit Reporting Act and ensure proper correction of my personal information. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: LA

Complaint narrative:
XX/XX/XXXX Loan Servicer Complaint Borrower submitted multiple Income-Driven Repayment Plan ( IDR/IBR ) Applications through XXXX and loan servicer, EdFinancial. Loan servicer has denied application multiple times, accepted then rejected an application and is now requesting proof of income. Borrower is a servicer-initiated forbearance due to repeated application processing failures and conflicting servicer guidance, interrupting Public Service Loan Forgiveness ( PSLF ) progress. When XX/XX/XXXX application was denied, borrower was told by phone-representatives at EdFinancial that it a mistake on the part of the loan servicer and the issue would be resolved. Multiple phone calls were made and letter was sent, however XXXX application expired in XXXX with no resolution from the loan servicer. XX/XX/XXXX application was initially accepted and Borrower was taken out of forbearance. Application was then rejected and Borrower was placed back in forbearance. Servicer requested proof of income, which borrower supplied in XXXXXXXX XXXX XXXXXXXX. Multiple phone calls with no resolution of issue. On recent phone call ( XX/XX/XXXX ) EdFinancial phone-servicer told the Borrower that she will need to provide most recent, XXXX tax return to have this application processed. Borrower explained to loan-servicer that her IDR/IBR application was submitted XXXX XXXX, XXXX and XXXX tax return is the most recent Borrower has not filed XXXX taxes yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
XXXX XXXX XXXX paid off my auto loan by mistake In XXXXXXXX XXXX XXXXXXXX and sent me the vehicle title. They never contacted me to correct their error, and they never notified Chrysler Capital. Months later, Chrysler Capital repossessed my vehicle on or around about XXXX of XXXX, XXXX, even though the loan had already been satisfied. I received no righttocure notice, no prerepossession notice, and no postrepossession notice. I attempted to contact both Chrysler Capital and XXXX XXXX XXXX after discovering the repossession. Chrysler Capital did not provide any explanation or documentation. XXXX XXXX XXXX admitted they paid off the loan by mistake but did not correct the error or notify Chrysler Capital. This wrongful repossession caused financial harm, loss of transportation, and negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/year>, an unauthorized charge of approximately {$4000.00} was made on my account for a hotel reservation on XXXX that I did not authorize. This was a highly questionable and unusual amount completely out of character for my normal spending. I immediately reported this to Chase who cancelled the transaction and replaced my card, initially recognizing it as fraudulent. In XX/XX/year>, Chase reversed their decision and stated I would be held responsible, claiming I benefited from the transaction. I contacted XXXX who provided a receipt confirming that no one checked in or stayed at the hotel for that reservation. Chase then requested I gather additional documentation. I complied fully with every request they made, contacting both XXXX and XXXX and obtaining written confirmation from both parties. After I provided all of this documentation that Chase specifically requested, a Chase manager told me that none of the evidence matters and denied my claim. Chase has denied my dispute while ignoring third party evidence they themselves requested, which clearly confirms I did not benefit from this transaction as no one ever stayed at the hotel. I am requesting a full refund of the unauthorized charge of approximately {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. Including this accounts are continuing to report errors and violated 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments. I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW. Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence. Under 15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability. Pursuant to FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ) Credit Bureaus is mandated to implement the FCRA Law for the Creditor 1681s-2 ( b ). I demand this accounts listed below to Update its past due data in payment history Paid on time and never Late as per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) is Violated when you still not supply to comply with evidence showing proof that this is not in violation 15 U.S. Code 1666 ( b ) billing error. Pursuant to 15 U.S.C. 1681e ( b ) and 1681i ( a ) Update this accounts listed below by removing all late payments past due in the payment history and update it to paid on time as required Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of 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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ray Klein, Inc.
State: AL

Complaint narrative:
The reference number pertaining to this debt is reference # XXXX to XXXX, XXXX XXXX. This I think is in reference to a XXXX XXXX I sold last year on XXXX and which I shipped out of State to the buyer. Also I reported to have this XXXX XXXX removed from XXXX due to the fact that it was already sold. I later discovered this third week of XXXX that it had not been removed and that XXXX was attempting to charge the percentage again that they had already charge when I sold the equipment. So therefore, they are attempting to charge me again the same XXXX dollars for the XXXX that was sold last year and was to be removed off of XXXX. So this is a case of miscommunication and that I should not be charged again for a XXXX that was already sold. If they would check their records they would see noted that I was already charge for the sale. Thank you for your consideration to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I was trying to find out about a debt that was said I owed from USAAthat led me to a debt collections agency called XXXX XXXX I called repeatedly no answer and every time I did call sent an email about debt verification no answer

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 2026-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding ongoing foreclosure activity that conflicts with an active loan modification process and inconsistent servicing by the company. I have made repeated good faith efforts to complete a loan modification, including submitting required documents through multiple methods such as the companys online portal, email, and mail using a shipping label provided by the company. I also completed all required trial payments under a prior modification plan. Despite this, the company refused to accept my Loan Modification Agreement, claiming it was received late due to a carrier delay, even though I submitted the documents electronically within the deadline and the delay was outside of my control. The company has continued to provide inconsistent and contradictory instructions. I was told verbally that I could make payments, but when I attempted to do so, those payments were refused unless I paid the full default amount. The company then used this to claim that I failed to make payments. I have also maintained written communication and requested that all communication be provided in writing. However, the company continues to rely on phone communication, which does not create a verifiable record, and has misrepresented my responsiveness despite documented proof of my communications. At the same time, the company has confirmed that my loan modification application is under review, requested additional documents with future deadlines, and approved me for a Trial Modification Plan beginning XX/XX/year>. However, I was also notified that my foreclosure sale has been postponed and rescheduled to XX/XX/year>. This creates a direct conflict, as I am expected to begin making trial payments while my home remains scheduled for foreclosure during the same period. Continuing foreclosure activity under these circumstances denies me a fair and meaningful opportunity to complete the loan modification process and retain my home. I am not refusing to pay my mortgage. I am actively attempting to resolve this in good faith, but the companys actions are obstructing that process while continuing foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
Suspicious zelle deposit made on XX/XX/XXXX to account. Called XXXX XXXX fraud and had funds removed. Bank & zelle suspended my account and blocked me from using zelle. Zelle advised me the Bank needs to authorize removal of suspension and XXXX XXXX says it has to come from Zelle. I have done nothing wrong. I called in the Suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> there were 2 UNAUTHORIZED CHARGES placed on my Wells Fargo debit card. WF credited my account initially, then on XX/XX/XXXX, the charges were reversed. WF told me XXXX said the charges were Authorized and I need to contact XXXX. Yesterday XX/XX/XXXX, I told XXXX I DID NOT AUTHORIZE those 2 charges. They found the charges and told me they were used by a different account. They wouldnt tell me who or what but know it wasnt ftom my XXXX account. I again told them several times I DID NOT AUTHORIZE THE USE OF MY CARD. They told me I need to contact Wells Fargo. I contacted WF told them XXXX found the account that used my card and it wasnt mine. WELLS Fargo said they cant do anything and I should contact 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 monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NC

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is # XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2026-04-30 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: FL

Complaint narrative:
I sent the information to them proving my old account is my XXXX also submitted proof of the letter they mailed me n I responded to them n they r referring to give me access to the funds n they should not be n possession of by the letter they sent XX/XX/year> they were supposed to release it to the state of Florida so I can claim it n they won't n also spoke to XXXX XXXX XXXX XXXX XXXX said 5 years they were supposed to release it to the state of Florida as well I created a ticket with proof of the letter attached proving it's mine n cash tag to the account n the amount n they keep responding back to you'll saying they requested information n that is a lie I sent the proof when created a ticket on the matter this the ticket number n the guys name that helped me XXXX cash app case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Wolf River Development Company
State: NH

Complaint narrative:
I am filing this complaint regarding an unauthorized loan associated with my name ( XXXX # XXXX ). XXXX XXXX did a wage assignment, I got in touch with a lawyer as Ive never heard of this company never applied for a loan, never signed anything, never provided any legal paperwork identifying myself. I submitted an identity theft report with the FTC and sent an email over to lending creative. I spoke with the company XXXX XXXX and was told they are waiting to hear from the police, and that only if police determine there is identity theft will they issue a refund to my employer, who would then pay me. This is not acceptable. They forced a voluntary wage assignment that I never agreed to. There is no court order and I am requesting a full refund immediately! I have never applied for, signed, approved, or agreed to any loan with this company. At no point did I authorize this transaction in any way. They initiated a wage assignment and began taking money, making it seem like I had no choice but to pay. This created significant pressure and confusion. Because of this, I consulted with an attorney and am following the guidance I was given and was told this is voluntary. Under the Electronic Fund Transfer Act and Regulation E, I have the right to dispute unauthorized electronic transactions, and the company is required to investigate. Under 15 U.S.C. 1693g, the burden is on them to prove that I authorized this transaction. Waiting for a police determination is not required under federal law. I am requesting that the CFPB require the company to : 1. Recognize this account as unauthorized 2. Cease all collection activity, including wage deductions 3. Issue a full refund of all amounts taken from me 4. Provide me with what they received, how they received a signature when I have never personally signed anything ever with them. I am requesting prompt resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received a spam call ( my phone number is on the National Do Not Call List ) wanting to know if I wanted to lower my interest rate on my Chase Bank credit card, or get one with a lower interest rate. I do not have a Chase Bank credit card. This call came in on XX/XX/year> at XXXX XXXX from XXXX. The person 's name was XXXX.

Company response to consumer: Closed with explanation