vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I opened a PayPal account and received funds which were later placed on hold when my account was permanently limited. The limitation occurred in 2024. At that time, PayPal informed me that the funds would be held for up to 180 days. However, more than 2 years have passed, and my funds in the amount of {$960.00} have still not been released. During this time, I have contacted PayPal multiple times through customer support. Each time, I received unclear or inconsistent responses, and representatives have stated that they do not have information regarding when or if the funds will be released. I have not received any formal explanation justifying such an extended hold beyond the stated 180-day period. This situation appears to be inconsistent with PayPals stated policy regarding fund holds, which generally should not exceed 180 days unless there is a valid legal reason. I am requesting : * A clear explanation for the delay * Immediate review of my case * Release of my {$960.00} balance if no legal or policy-based reason exists to continue holding the funds If necessary, I am willing to provide additional information to verify my identity and account. Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
I am a victim of identity theft. In XXXX XXXX, fraudulent checks were deposited into my Citibank account without my knowledge or authorization. I did not authorize, participate in, or benefit from any of these transactions. As soon as I became aware of the situation, I contacted Citibank and reported the fraud. I also filed an official Identity Theft Report with the Federal Trade Commission. Despite this, Citibank reported my account to XXXX as suspected fraud activity with an unpaid balance, which is inaccurate and damaging. I have requested that Citibank correct or remove this reporting and classify my case as identity theft, but they have refused to make any changes. This inaccurate reporting is preventing me from opening bank accounts and is negatively affecting my financial standing. Under the Fair Credit Reporting Act, I request that Citibank correct or remove this inaccurate information and properly report this case as identity theft.

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 2026-04-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: SC

Complaint narrative:
The issued XXXX refunds on XX/XX/year> and I have not received either of them. The amounts are {$370.00} and {$350.00}. I waited 90 days and requested information and still one year later I have not received either refund. Mohela is the company.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: KEYCORP
State: OR

Complaint narrative:
I entered into a solar loan agreement with KeyBankXXXX XXXX for a system installed by XXXX XXXX XXXXXXXX XXXX The system was sold with written representations that it would produce approximately XXXX kWh annually, achieve a 97 % energy offset, and generate sufficient excess energy during summer months to offset winter usage. The agreement also included a production guarantee of at least 95 % of the estimated annual production. In reality, the system has consistently failed to meet these representations. My actual system production has been significantly lower than promised, approximately XXXX XXXX in XXXX and XXXX XXXX in XXXX. These values are substantially below both the estimated production and the guaranteed minimum production. Additionally, my utility usage data shows continued heavy reliance on grid electricity, particularly during winter months where usage has exceeded XXXX XXXX per month. This demonstrates that the system is not generating sufficient excess energy during summer months to offset winter consumption as represented. The system was installed on the east-facing side of my home with surrounding tree coverage, which significantly impacts solar production. These factors should have been accounted for in the system design. The system, as designed and installed, is incapable of achieving the production levels that were represented and guaranteed at the time of sale. Further, I purchased warranty and technical support services which are no longer being provided because XXXX XXXXXXXX XXXX is now out of business. I have attempted to resolve this issue with the lender and am requesting a formal investigation into system performance compared to the documented production guarantee, as well as a resolution which may include loan modification, reduction, or other appropriate remedy. This situation has caused ongoing financial harm, as I am required to pay both a long-term solar loan and substantial ongoing utility bills due to system underperformance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: SC

Complaint narrative:
I dont believe this account with central portfolio cont if mine and I may have been a victim of identity fraud. This specific account Im referring to is ( XXXX ) for the amount of {$1400.00} .however its another account that have yet to hit my account thats Im disputing with them as well that could be possible related to the identity fraud case. We I spoke with central portfolio they notified me that both of these accounts were from XXXX but however its just hitting my accounts. I did request proof that these were my account so I ask for wet signatures proof and to see who owes the debt and could they send this to me in 30 days or I we be asking that this be removed from my credit. 30 day from the day I requested this information would be on XXXX XXXX and Im asking that it be sent in a timely manner. Sincerely XXXX XXXX To who ever this may concern thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PR

Complaint narrative:
I am disputing a {$370.00} collection account from XXXX XXXX XXXX, currently reported by IC System. I do not believe this debt is valid or enforceable. This account arises from an XXXX XXXX XXXX subscription initiated in XX/XX/year>. However, the underlying veterinary services were not properly or safely rendered. During the course of care, my dog developed a XXXX XXXXXXXX ( XXXX ), which I reasonably believe resulted from negligent and unsanitary veterinary practices. As a result, I was forced to seek treatment from another licensed veterinarian and incur additional out-of-pocket expenses. Due to this incident and the failure to provide safe and adequate care, I canceled the plan in XX/XX/year>. This constitutes a failure of consideration and a material breach, calling into question the enforceability of any remaining balance. Importantly, I have paid all invoices and charges associated with services actually rendered. I have receipts documenting my visits and payments, which show no outstanding balances for those services. Any additional amount being claimed is unsupported, unverified, and not tied to services properly provided. Additionally, I formally requested full debt validation from both XXXX and IC System, including : A copy of the signed agreement Complete billing and payment history Itemized charges Documentation demonstrating any legal obligation after cancellation Both parties refused to provide this documentation despite multiple requests. This failure to validate the debt is a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Further, this account has already been removed from XXXX XXXX XXXX due to failure to verify, yet it continues to be reported by XXXX This constitutes inaccurate and inconsistent reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ). I have supporting documentation available, including veterinary records, XXXX receipts showing paid balances, receipts for treatment from another provider, proof of payment, and cancellation confirmation.

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 2026-04-06 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: MO

Complaint narrative:
am submitting this follow-up regarding my dispute with Cash App ( Block , Inc. ) concerning unauthorized transactions from XXXX and XXXX. Cash App denied my disputes, stating all transactions were authorized, based primarily on device/IP consistency. However, this conclusion is inconsistent with their own actions. Multiple transactions from the same merchant ( XXXX ), within the same timeframe and activity pattern, were partially credited while others were denied. If their determination is that all activity was authorized, then no transactions should have been refunded. This inconsistency suggests the investigation was not conducted uniformly or based on a consistent standard. Additionally, device/IP data alone does not establish authorization, especially in cases where account access may have been compromised. Cash App has not provided specific evidence demonstrating that I personally authorized each disputed transaction. Under Regulation E, financial institutions are required to conduct a reasonable investigation and provide a clear explanation of their findings. Cash App has not explained why identical transactions were treated differently or what specific evidence justified approving some while denying others. If this matter is not resolved, I am requesting further regulatory review of Cash Apps dispute handling practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This letter serves as a formal notice of dispute regarding the above-referenced student loan account ( s ) currently being serviced or reported by XXXX. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I am requesting full validation of this alleged debt and verification of XXXX authority to collect and report this account. Please provide the following documentation : 1. The original signed promissory note and loan agreement. 2. Documentation proving Nelnets legal authority to service and collect the alleged debt. 3. A complete payment history and accounting ledger from the date of origination. 4. Documentation verifying the accuracy of any reporting made to the credit bureaus. 5. Documentation confirming whether any porti on of this debt has been discharged, cancelled, or written off pursuant to federal student loan discharge programs under 20 U.S.C. 1087 and related federal statutes. If XXXX is unable to provide the above documentation, continued reporting of this account may constitute inaccurate reporting in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Furthermore, any collection activity without proper validation may constitute a violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Until such documentation is provided, I request that XXXX immediately : Cease collection activity Cease reporting this account to any consumer reporting agency Remove any inaccurate or unverifiable information from my credit report Failure to comply with this request may result in formal complaints being filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General. This letter serves as a formal dispute and request for investigation.

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 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
This company is on my report for 3 debts, 2 i went to court and the judge dismissed them because they did not have enough evidence, nor could they provide a witness, i sent multiple letters, disputed multiple times on the credit bureaus, they changed the debt on my report from open to close, then after i requested multiple times to remove it from my credit report, they changed it from closed back to open, they have repeatedly send only the summary of the debt. they also send me letters from 3 different companies that handle their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: GA

Complaint narrative:
XXXX XXXX XXXX Failure to Validate Debt Violations of the FDCPA & FCRA To Whom It May Concern, This letter serves as a formal follow-up to my previous Cease and Desist and Debt Validation Demand Letter regarding the above referenced account. Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S. Code 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt. Instead, you responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. Your failure to provide the following constitutes noncompliance : XXXX. A copy of the original signed contract or agreement bearing my signature ; XXXX. A full chain of title including all assignments and transfers of the alleged debt ; XXXX. A bill of sale or purchase agreement proving legal ownership of the debt ; XXXX. Proof of licensing to collect debt in my state ; XXXX. Surety bond information ( if required by law in your jurisdication ) l A billing Summary is NOT proof of debt ownership or legal authority to collect. Continued reporting of this unverifiable debt to credit bureaus is a violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) and constitutes the furnishing of inaccurate and incomplete information. Additionally, continued collection efforts without proper validation violate the FDCPA, spefically : * 15 U.S. Code 1692e - False or misleading representations * 15 USC 1692f. Unfair practices * 15 U.S.C. 1692g - Validation of debts If this account is not permanently deleted from all consumer reporting agencies and all collection efforts do not cease within 15 calendar days, I will proceed with legal action against your agency under 15 U.S. Code 1681n and 1692k, including but not limited to statutory damages, legal fees, and costs. This is your final opportunity to resolve this matter before I file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commision ( FTC ), and my State Attorney General, and pursue civil litigation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: VT

Complaint narrative:
The mortgage servicer Fifth Third Bank is not paying all the required property taxes from escrow. In XXXX I called them and asked them to pay the correct amount to the tax authority. I also contacted the tax authority. Six months later I got an unpaid property tax letter so the Mortgage company did not fix the problem. There is no way to submit a notice of error on the servicer website. I tried calling them to notify them again of the problem and was on hold for 55 minutes before they dropped the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXXXXXX I signed up for a training ( on XXXX ). I paid {$1300.00} as a first payment. I understood payments would not begin until the training started at the end of XXXX. I signed nothing authorizing automatic payments before that date. XX/XX/XXXXXXXX I attended the first live class. Within five minutes, I left because the class was nothing like what was marketed. The instructor was yelling, the material was disorganized, and as someone finishing a XXXX on this exact topic, I recognized it immediately as false advertising not a legitimate educational experience. I immediately called Chase to dispute all charges that had been taken to date ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). The bank 's first major error : The Chase representative mistakenly filed the disputes against XXXX XXXX ( a charity I donate to monthly ) instead of XXXX XXXX ( the training company ). As a result : Chase reversed all my XXXX XXXX donations Chase blocked XXXX XXXX from charging my account Chase did NOT block XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged me again. I called Chase immediately. The representative said the charge was pending and to call back in a few hours. I called back. A different representative said she was filing the claim, that it was fine on her end, and that I would see a temporary credit in a few hours. I never received that credit. XX/XX/XXXXXXXX I received a letter from Chase stating that per my request they were stopping research into a claim and would take back a {$1300.00} temporary credit. This was not my request. The representative had told me they would reverse a $ XXXXsomething charge for XXXX XXXX ( which was fine with me ), but instead they reversed a {$1300.00} charge for XXXX XXXX. Chase took back money they owed me. I went into my local Chase branch multiple times. Branch employees filed four separate internal complaints on my behalf because they saw the bank was mishandling my case. Chase representatives told me the issue would be resolved within two weeks. It has now been two months. XX/XX/XXXXXXXX ( today ) Chase debited another {$1300.00} from my account, leaving it overdrawn. Summary of what Chase owes me : {$1300.00} from the reversed temporary credit ( XX/XX/XXXXXXXX ) {$1300.00} from today 's debit ( XX/XX/XXXXXXXX ) Total : {$2700.00} ( plus any overdraft fees resulting from today 's debit ) What I want : Chase to reverse both {$1300.00} charges, remove all overdraft fees, and return my account to a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kashable LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX I received a pay day loan from kashable who advertise themselves as the pay day loan company for federal employees. The repayment would be more than XXXX XXXX consistently made payments all the way to the Government Shutdown and no pay situation. I made my last payment on XXXX I explained over the phone the situation and that I would not be able to make a payment until after the XXXX XXXXIt was inferred to me that would not be a problem that the missed payments could be applied to the end of the payment cycle and that after three payments my account could retain the paid in fill status.\n\nI made the following payments:XXXX XXXX XXXXACH Received\XXXXCompletedXXXX XXXX XXXXACH Received\t\XXXXCompleted\t\XXXX XXXX XXXXACH ReceivedXXXXCompleted\t\n I continued to contact the company via email as I did not want a verbal but rather\nwritten confirmation of the status changed.\nOver a 100 emails were answered with....we will get back to you. Then a got an\nemail from an individual identifed as XXXX stating I was not being truthful and that\nthey would no do as I had been told. They had no intention of correcting my account\nor following through on what I remember as being accurate. I felt like he was inferring that I was a liar and that he could care less about helping me.\nI did a check with the XXXX in the KAshable area and found over 30 recent complaints from fellow federal employees voicing similar comments about possible misleading statements and promises.\nKashable needs to follow through and keep their word.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Consumer Financial Protection Bureau Complaint I am submitting this complaint regarding a dispute with my financial institution over a charge of {$460.00} that I did not properly receive goods for and have been denied reimbursement. On or around XX/XX/year>, I placed an order for groceries through XXXX using my debit card. Although the transaction was successfully processed, the groceries were never delivered to me. I made multiple attempts to resolve this issue directly with the merchant, XXXX, and I have documentation showing that I contacted them regarding the missing delivery. Despite my efforts, XXXX informed me that the issue was outside of their resolution timeframe and directed me to contact my bank for further assistance. Following this, I filed a dispute with my financial institution. However, after their investigation, they denied my claim, stating that no error had occurred. I strongly disagree with this determination. While I did authorize the transaction, the goods and services paid for were never received. This constitutes a failure on the merchants part to fulfill the transaction. I have not benefited from this charge in any way and should not be held financially responsible for undelivered goods. My financial institution has refused to credit my account or properly recognize this as a valid dispute, despite the fact that I can provide proof of my attempts to resolve the issue with the merchant and evidence that the items were never delivered. I am requesting that this matter be reviewed and that I receive a refund for the {$460.00} charge. I am also requesting that my financial institution conduct a fair and thorough review of my dispute in accordance with consumer protection regulations. I am prepared to provide supporting documentation, including correspondence with XXXX, upon request. Thank you for your time and assistance in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation