vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XX/XX/XXXX, I completed a transaction through XXXX where I received {$65.00} in exchange for a digital in-game item ( XXXX currency ). Immediately after receiving the payment, I delivered the agreed amount of in-game currency to the buyer. The buyer participated in the transaction normally and communication at the time reflects that the trade was completed. After the transaction, the buyer deleted messages and later filed a dispute claiming they did not receive the item. I responded to the dispute and provided available evidence, including communication showing the transaction flow and completion. However, the case was closed within a few hours in favor of the buyer. I attempted to follow up with the buyer to resolve the issue, but I was unable to contact them as my messages could not be delivered, indicating that I had been blocked. I also attempted to contact PayPal support to request a review and explain that I had obtained additional evidence, including server transaction logs showing the transfer of the in-game currency with timestamps matching the payment. However, I was informed that the case could not be reopened once closed. As a result, the buyer retained both the digital item and the refunded payment, and I was also charged an additional dispute fee. I believe this situation demonstrates a failure in PayPals dispute resolution process for digital goods, where sellers are not adequately protected from fraudulent claims. I am requesting a review of this case and the dispute handling process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am filing this complaint because Pro Collect Inc. has failed to respond to multiple debt validation requests and has continued collection activity without providing proof of the debt. This debt was placed on my account on XX/XX/XXXX. On XX/XX/XXXX, I sent a formal written request for validation via tracked mail. XXXX records confirm the agency received and signed for this request on XX/XX/XXXX, at XXXX p.m. The XXXX tracking number is XXXX. It has been over 30 days since receipt, and the agency has failed to provide any documentation or evidence that I owe this debt. In addition to my validation requests, I also reached out to the agency to discuss an amicable resolution to this matter. Despite my multiple attempts to communicate and settle any potential dispute, the agency has remained completely silent and has failed to respond to any of my inquiries. Furthermore, the agency has failed to pause collection efforts or mark the account as 'disputed ' while this investigation is pending. This lack of response and continued reporting without validation is a violation of my consumer rights.

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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
I am submitting a new complaint regarding an unresolved issue with blocked funds in the amount of {$2300.00} from XX/XX/XXXX, which remains unresolved after more than XXXX years. I previously filed a complaint against Citibank ; however, the response I received did not address the specific issues raised and consisted primarily of a generic explanation of sanctions compliance. In their response, Citibank confirmed that : my initial XXXX XXXX application was submitted on XX/XX/XXXX the blocked funds were not reported to the XXXX XXXX XXXX XXXX XXXX until XX/XX/XXXX This confirms that I was instructed to apply for an XXXX license before the funds were reported, which made it impossible for XXXX to locate my case at the time. Despite this, Citibank failed to explain why this occurred or how it impacted my ability to resolve the issue. Additionally, there is a serious concern regarding inaccurate documentation provided in relation to my case. I was provided with transfer documentation that does not correspond to my transaction. The document references a different transfer ( dated XX/XX/XXXX, in the amount of {$3100.00} ) and contains identifying details such as address and country that do not match my personal information. The only matching elements are my first and last name. Despite these clear discrepancies, the company continues to assert that this documentation belongs to my account without providing any verifiable supporting evidence such as transaction history, account identifiers, or internal records demonstrating this linkage. This raises significant concerns regarding the accuracy of the information being relied upon in handling my case. Furthermore, Citibank did not address : the delay between the initial block ( XX/XX/XXXX ) and reporting to XXXX ( XX/XX/XXXX ) the overall delay of more than XXXX years in resolving this matter the issue of incorrect or inconsistent documentation the current status and handling of the blocked funds beyond stating that a license is required Instead, Citibank provided a generic explanation of regulatory obligations and stated that the matter is considered resolved and that they will no longer respond to inquiries. This is unacceptable, as the issue remains unresolved and the funds are still being held. Key Issues Failure to provide a substantive response to my complaint Failure to address the timeline inconsistency between application and reporting Failure to explain delays in handling the case Failure to address incorrect or inconsistent documentation Refusal to engage further despite unresolved issues

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 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: OH

Complaint narrative:
I went to purchase an item online, and saw that Sezzle was there to split up the cost into multiple payments. I filled out my information to see if they would allow me to use their service to purchase this item online, and their website gave me an error. After receiving the error, I backed out, and bought the item outright without using Sezzle. Item is paid for 100 % by me. My bank account has a charge on it from Sezzle even though I never used them to checkout. I contacted Sezzle and they told me to reach out to the merchant, and that the merchant would have to refund me the money. I reached out to the merchant and the merchant can see my own order but nothing from Sezzle. Sezzle is now asking me for a screenshot of the order confirmation to see the payment method. I sent this over and haven't heard back yet, but I feel it won't make a difference to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint regarding Chase 's handling of billing dispute Claim ID XXXX on my account ending in XXXX. The disputed charge is {$930.00} from XXXX XXXX XXXX XXXXXXXX in XXXX XXXX XXXX, XXXX, posted XX/XX/year>. The core issue is currency misrepresentation : the merchant verbally confirmed a price of XXXX XXXX XXXX ( approximately {$56.00} USD ) before I tapped my card. The terminal screen was oriented away from me and only the tap area was visible. I did not authorize a charge of {$990.00} USD. A witness present during the verbal price confirmation is willing to provide a statement. Chase denied my dispute on XX/XX/year>, stating the merchant " submitted the charge for the amount agreed to at the time of purchase. '' I am requesting Chase reopen this case based on the following contradictions contained within Chase 's own investigation documents : 1. Chase 's pre-arbitration filing contradicts the denial. In the XXXX XXXXXXXX XXXX XXXX Response Questionnaire ( XXXX Case XXXX ), Chase 's own team stated that the merchant " failed to provide valid proof of receipt with acknowledgement from card member showing charge is correct at time of transaction '' and that " full credit for the disputed amount is still due. '' Chase escalated to pre-arbitration on this basis on XX/XX/year> then issued a denial to me less than a month later on XX/XX/year> with no explanation for the reversal of their own position. 2. The merchant 's own letter confirms the USD amount was ~ {$940.00}. The merchant 's clarification letter states the cardholder paid " {$940.00} dlls with a discount of XXXX %. '' This is not the peso amount I agreed to it is a dollar amount, and it confirms the overcharge rather than refuting it. 3. The transaction was authorized without signature or PIN. The payment terminal logs show " XXXX XXXX XXXX '' ( authorized without signature ) on a contactless XXXX tap transaction for nearly {$1000.00} USD. The terminal capacity is listed as " Contactless XXXX, '' consistent with my account that the full charge amount was not visible to me at the time of payment. 4. The merchant 's stated receipt amount was {$56.00} USD. Chase 's own XXXX XXXX XXXX dispute filing lists the amount on the cardholder 's receipt as {$56.00} USD consistent with the XXXX XXXX price I was quoted and agreed to. I am requesting that Chase reopen this dispute and apply the credit of {$930.00}. I have documentation supporting all of the above, including the merchant 's letter, terminal logs, XXXX pre-arbitration filings, and a written witness statement available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: FL

Complaint narrative:
TEK-Collect Inc is reporting collection account XXXX with a XXXX balance on my XXXX credit report for an alleged debt originally owed to XXXX. This account does not appear on either my XXXX XXXX XXXX credit reports. The selective reporting of this collection account to a single bureau out of XXXX is a significant accuracy concern. A legitimately owed and accurately reported debt would be expected to appear consistently across the major bureaus. Instead, TEK-Collect has chosen to report only to TransUnion, which raises questions about whether this debt is accurately attributed to me and whether TEK-Collect has verified its right to collect and report this obligation. TEK-Collect has not provided any debt validation documentation including the original debt documentation from XXXX, XXXX complete account history, chain of ownership documentation establishing TEK-Collect 's right to collect, or an itemized balance breakdown showing how the XXXX amount was calculated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
CAINE & WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE & WEINER 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 response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
To Whom It may concern, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : 1. A breakdown of what this alleged balance is based on, including dates and itemized charges. 2. Documents showing where this obligation originated and how your company obtained it. 3. Any agreement, application, signature, contract, or document that links me to the account. 4. Proof your company is authorized and licensed to collect in my state, including registration details. 5. Any notices or communications you cl aim you sent before reporting the account to the credit bureaus. 6. The identity and address of the original creditor, along with the original account details. 7. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and XXXX XXXX. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am filing a complaint regarding a {$600.00} charge from XXXX XXXX on my CareCredit account ( Synchrony Bank ), which I formally disputed. The dispute was marked as resolved by CareCredit ; however, I was never provided with the required written resolution explaining the outcome of the investigation or the basis for their decision. I contacted CareCredit on multiple occasions ( at least XXXX times ) requesting a copy of the resolution letter. Each time, I was told the letter would be sent within XXXX business days by mail or within XXXX hours by email. Despite these repeated assurances, I have not received any documentation. Because I did not receive the written outcome of the dispute, I was unable to properly understand or respond to the decision. As a result, the disputed {$600.00} charge remained on my account, increasing my balance and significantly raising my credit utilization. This has caused my credit score to drop from approximately XXXX to XXXX, despite my payment history remaining in good standing. I am requesting that CareCredit provide the written resolution of my dispute, including a full explanation of their findings and any supporting documentation. I am also requesting correction of any negative impact caused by this situation, including any credit reporting effects resulting from the unresolved handling of this 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 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I had fraud on my cashapp account and they said because it was done with XXXX they cant do anything I lost XXXX $ due to this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: OR

Complaint narrative:
The department of education has failed to record the effective date of my discharge accurately and should be corrected in their system to reflect my XXXX onset date of XX/XX/XXXX. I was XXXX totally and permently by a judge in XXXX of XXXX and he backdated my XXXX case to XX/XX/XXXX ( XXXX with review XXXX yrs after award ) and let me know my student loans would discharge and any payments made during my XXXX would be refunded. Shortly after my award I received a notice also stating my loans would be forgiven through auto discharge but that process never happened so last year XX/XX/XXXX I contacted dept of edu and they suggested I apply for forgiveness on the website and so I did apply submitted all the documents and it took a XXXX XXXX to receive my discharge. I did get a discharge but they put the wrong effective date/onset date on my discharge so XXXX can not issue the refund until it is corrected. I have contacted them numerous times through feedback requests, supervisor call back requests, omsbudsman requests, and even got my state rep involved and even they are having a hard time getting them to respond directly to the issue that I have. They just keep sending out generalized AI generated responses about filing a discharge or how to submit a complaint which I have told them repeatedly is not the problem. I have called many many times every number I can to get ahold of anyone who can make this correction but so far nothing has been corrected and no refund has been issues. I am only trying to get what the judge told me I was due and according to their own rules, guidelines and policies I am untitled to ( Rule 34 CFR 685.213 ) it states that the effective date and onset date should be the same for backdated awards with ssdi awards. They have all the documents needed in my case. I have responded to their emails but they do not make the correction. I am at a loss of how to get my refund. I am happy to share with you all my documents and communications regarding my efforts to resolve this prior to contacting cfpb.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received a monthly XXXX deposit on XX/XX/year> of XXXX, and requested that the account be closed due to Chime Financial making unnecessary declines, which they could not validate on any level. On XX/XX/year>, the balance was XXXX, which I requested again to be transferred to XXXX XXXX, which was linked to the Chime account already. The account had been closed by that time, but no funds were transferred, and I printed a statement and noticed Chime transferring funds without any authorization from me of around another XXXX leaving the balance on XX/XX/year> at XXXX. I called again and requested again to speak to mgmt and was refused that opportunity, given no info about the decrease in funds, withholding of funds, or about the release of what they owed me. The rep laughed and said that the check would be in the mail sometime within the next 30 days. Even after XXXX weeks of being deprived of food and medication ( XXXX XXXX a day ), this rep from Chime did not explain why the account was not closed on XX/XX/year>, XXXX transferred to XXXX XXXX, and the access was left open for the record to be printed and addressed with XXXX concerning XXXX and XXXX XXXX?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: NJ

Complaint narrative:
Complaint Against Current ( Financial Institution ) Failure to Properly Investigate Unauthorized/Undelivered Transaction I am filing this complaint against Current regarding their handling of a debit card dispute in the amount of {$820.00} for a transaction dated XX/XX/year>, with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ). I disputed this transaction on the basis that the merchandise was never received. Despite this, Current completed their investigation and denied my claim, stating that the goods or services were properly delivered or rendered. This conclusion is inaccurate and unsupported by sufficient evidence. At no point did I receive the purchased furniture. Specifically : - No delivery was made to my residence. - No one at my address signed for or accepted any delivery. - I was not provided with any confirmed delivery that was fulfilled. - The merchant has not provided verifiable proof of delivery such as a signed receipt, GPS confirmation, or photographic evidence. Current has failed to provide me with any documentation used to justify their decision, despite my right to review the evidence used in the investigation. Under the Electronic Fund Transfer Act ( Regulation E ), financial institutions are required to conduct a reasonable investigation and can not deny a claim without substantial evidence demonstrating that the transaction was properly completed. In cases involving undelivered goods, the burden of proof lies with the merchant to confirm delivery. Based on the information provided to me, Current appears to have accepted the merchants claim without requiring adequate proof, which does not meet the standards required under federal law. I am requesting the following resolution : - A full reinvestigation of this dispute - A provisional or permanent credit of {$820.00} to my account - Full disclosure of all documentation used in making the original determination - Assurance that proper investigative standards are followed moving forward If this issue is not resolved, I am prepared to pursue additional remedies under applicable consumer protection laws. I am submitting this complaint in good faith and expect a timely and fair resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation