vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: VA

Complaint narrative:
Jefferson Capital debt collectors is sending out a new debt on a paid off/taken off my credit report account.Phishing around double dipping is not legal. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I dispute this debt and request validation, including proof of their authority to collect and the original creditor ; until such validation is provided, cease all collection activity. No account was opened with Jefferson Capital Systems XX/XX/year> or ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
After living in apartment for XXXX months, I was forced to leave the apartment due to extreme mold growth. Proof of mold growth was provided to the complex. After moving out, I received notice from debt collector for amounts including damages present in apartment prior to move in and damages not caused by my tenancy. I have disputed this collection, however no change in reporting/collections have been made. We were also charged for a washer/dryer unit that we did not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Self Financial Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, Self attempted an automatic payment of {$460.00} on my secured credit card. On XX/XX/XXXX, the payment showed as failed ; however, Self still posted a credit to my account, making it appear that the payment had cleared. Based on the credited balance, I continued using the card. 

I did not receive timely notice that the payment had not settled. On XX/XX/XXXX, Self assessed returned payment fees and again treated the payment as failed, causing my balance to increase significantly to approximately {$870.00}. This balance increase was the result of Self crediting funds that were not fully processed and then reversing the transaction weeks later. 

On XX/XX/XXXX, at approximately XXXX PM, I contacted Self customer service at XXXX and was on the call for about XXXX minutes. The representative was dismissive and unable to explain the payment error. I requested escalation to a supervisor, who did not conduct a proper investigation and ultimately placed me on hold and disconnected the call without resolution or follow-up. 

Due to this payment processing error, delayed notification, and lack of assistance, I was assessed fees, my balance increased unexpectedly, and my credit utilization and credit score were negatively impacted. I attempted to resolve this directly with Self, but the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I have a XXXX  dollar account at Coinbase which claims that this account was deleted due to XXXX  because of bank reversals that was fraudulent. The bank was XXXX XXXX  which provided us a bank statement which proves that Coinbase only attempted one withdrawal from XXXX XXXX  for {$25000.00} which was blocked by the bank and XXXX XXXX  then closed the account. This attempted withdrawal was not authorized. I should be let back into my Coinbase account with all of my assets intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Recieved a Onepay credit card in the mail today ( XX/XX/year> ). I have zero recollection of doing so, but I have emails regarding my new card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bounce AI, Inc.
State: PA

Complaint narrative:
I sent a request of information asking debtor to disclose amount owed and the original Agreement from the alleged original debit or with in 30 days from XXXX XXXX. The letter was sent certified I received return slips. I also request contact US mail only. The debit or continues to send emails instead of mailing any request. I would like to request this debt be moved. I have no clue how I owe this company. 


I would like the debt removed. 
The debt validation letter was received by company. No information was provided in return

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: TX

Complaint narrative:
Charged-Off Account XXXX XXXX XXXX  Account Number : XXXX Account Date : XX/XX/2022 Balance : {$0.00} This account is reported as charged off with a XXXX balance. I dispute the accuracy of this reporting and am requesting verification that the account status is being reported correctly. If TransUnion can not verify this information, the account should be corrected or deleted. 

Late Payments XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX I dispute the late payment reporting on these accounts. Please verify the accuracy of the payment history being reported. If the late payments can not be verified, they should be removed or corrected.

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 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OR

Complaint narrative:
I am filing this complaint against Chime Financial XXXX XXXX regarding multiple unauthorized XXXX ( XXXX ) transfers from my Chime account and XXXX  improper denial of my dispute without a lawful investigation. 

Between XX/XX/XXXX and XX/XX/XXXX, numerous unauthorized XXXX transfers were made from my Chime account to individuals identified as XXXX XXXX and XXXX XXXX I did not authorize, initiate, or approve any of these transactions. 

The unauthorized transfers include, but are not limited to, the following amounts : Transfers to XXXX XXXX on XX/XX/XXXX : {$0.00} {$99.00} {$190.00} {$300.00} {$390.00} ( multiple transactions within minutes ) Transfers to XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX : {$0.00} ( multiple transactions ) {$99.00} {$200.00} {$470.00} These transactions occurred rapidly, back-to-back, and within minutes of each other, clearly demonstrating fraudulent activity and account compromise. The pattern and amounts are completely inconsistent with my normal account usage. 

I promptly reported this activity to Chime and disputed a total of XXXX unauthorized transactions. Despite timely notice, Chime denied my dispute on XX/XX/XXXX without providing any transaction-level evidence, without explaining how the transfers were allegedly authorized, and without showing that a reasonable investigation was conducted. 

XXXX  actions appear to violate the Electronic Fund Transfer Act ( EFTA ) and Regulation XXXX, which require financial institutions to investigate unauthorized electronic fund transfers and protect consumers who report fraud in good faith and on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase didnt send me a right to redeem letter they sold the vehicle and charged off the remaining balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
This account does not belong to me, I contacted the company to try and verify this debt and they continued to hang up on m.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Mercury Technologies, Inc.
State: NY

Complaint narrative:
Company : Mercury XXXX XXXX  : XXXX XXXX XXXX I am writing to ask for assistance regarding the return of funds after my Mercury business account was closed. 

Mercury closed my account on XX/XX/2025. I understand and accept the decision to close the account, and I am not asking for it to be reopened. My concern is simply about the remaining balance in the account and how it will be returned. 

Since the account was closed, I have reached out to Mercury multiple times by email to ask when and how the remaining balance would be released. So far, I have only received brief, generic replies referring to the account closure decision itself. None of the responses addressed the return of the funds, and I have not been given any timeframe or process for receiving the remaining balance.

What I am trying to resolve here is not the closure, but the lack of clear information about what will happen to the funds that remain in the account.

Additional information I had used this Mercury account for over three years, and during that time I did not receive any compliance inquiry or request for clarification regarding account activity.

Because access to the account was restricted after closure, I am currently unable to view the exact balance. Based on my records prior to the closure, the remaining balance exceeds USD XXXX. 

These funds are my own business funds. The balance primarily came from authorized ACH transfers from my own U.S.-regulated brokerage account, as well as brokerage accounts of immediate family members. 

Other Mercury accounts under my profile that were closed around the same time have already entered the balance return process, and checks have been issued for those balances. For this particular account, however, I have not received any indication of when or how the remaining balance will be returned, nor have I been told that the funds are disputed, denied, or forfeited.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I participated in The Buy Now Pay Later 20 % Cashback promotion between XX/XX/XXXX and XX/XX/XXXX. 

I made XXXX of these transactions on XX/XX/year>, XX/XX/year>, and XX/XX/year> which earmed me {$460.00} in reward dollars which they are now denying.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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: Comerica
State: IN

Complaint narrative:
I paid my XXXX  bill for XXXX and it double charged my card at the same time, I tried to fix it with XXXX  but had to file a dispute with the bank. I got a letter from the bank saying I would get a provisional credit but I never did so I called the bank again and they told me they made a mistake on their end and I would get a call in 72 hours well that never happened so I called again talked to the dispute dept and they told me it takes 45 days for the dispute to be over and I would get my money, well its past 45 days and still nothing. The dispute was started on the XXXX of XXXX and now it's the XXXX and nothing. I have a letter from them stating it would only take 45 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 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: Paypal Holdings, Inc

Complaint narrative:
Subject : Complaint Regarding Delayed Release of Funds PayPal Account To Whom It May Concern, I am submitting this complaint regarding my PayPal account, which has been permanently limited. My remaining balance has been held since XX/XX/year>, and despite repeated attempts to resolve this issue directly with PayPal, I have not been able to access or withdraw my funds. More than 260 days have passed since the account was limited, exceeding PayPal 's stated 180-day holding period. 

I have contacted PayPal multiple times via their support channels, including email, chat, and the resolution center, but have received no clear instructions or resolution regarding the release of my funds. 

I am requesting the CFPBs assistance in ensuring that PayPal releases my funds promptly, in accordance with their stated policies, and provides clear instructions for withdrawal. 

Attached are all relevant communications with PayPal, including emails, screenshots, and dates of contact attempts. 

Thank you for your attention and assistance in resolving this matter. 

Sincerely, [ Your Full Name ] [ Email associated with your PayPal account ] [ PayPal Account ID ] [ Phone Number, optional ]

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid off my Upgrade personal loan in the amount of {$8300.00} using my Upgrade savings account. I was unable to add the savings account myself, so an Upgrade representative added it and processed the payment on my behalf. 

I later received confirmation that the loan was paid off. However, I was then informed the payment was reversed due to an internal error. Upgrade later acknowledged that the payment had been misapplied due to incorrect account information entered by their representative ( the loan number was used as the payment account ).

The payoff funds were ultimately withdrawn from my Upgrade savings account, but the loan was not fully closed. A small remaining balance ( approximately {$16.00} ) appeared due solely to interest and fees that accrued during Upgrades processing delays. 

I spoke with a supervisor who explicitly stated that this was Upgrades error and that Upgrade would pay the remaining balance and any accrued interest. This call was recorded. Despite this, as of today the loan remains open and continues to accrue interest, with no written resolution provided. 

I never received timely notice that the original payment was reversed, and I was given multiple inconsistent timelines ( 35 days ) that have not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MI

Complaint narrative:
I am submitting this complaint regarding Chimes handling of unauthorized debit card and ATM withdrawals under Regulation E. I reported multiple unauthorized ATM withdrawals totaling approximately {$5900.00}. These withdrawals occurred across different ATM locations, in different cities, over consecutive days, and involved escalating amounts. I have no prior history of ATM withdrawals on this account, and this activity does not match my normal account behavior. 

Chime denied my claim stating that the transactions were consistent with my past activity. This conclusion is inaccurate. Only one small non-ATM transaction was similar to my prior activity, while the ATM withdrawals were entirely inconsistent with my historical usage. I explained to Chime that fraudulent actors commonly mimic small prior transactions to avoid detection, but this explanation was not meaningfully addressed. 

I also reported that my account showed signs of compromise, including logins from unrecognized devices and the use of VPNs. I provided a police report reference number as part of my dispute. Despite this, Chime concluded that no error occurred and closed my claim without identifying any specific evidence that I authorized the ATM withdrawals. 

Chime appears to rely on selective use of behavioral data by citing similarity where convenient while ignoring the absence of any ATM withdrawal history, the geographic dispersion of the transactions, and the rapid escalation in withdrawal amounts. Regulation E does not permit a financial institution to deny a claim simply because a PIN was used or because it can not determine how the fraud occurred.

I am requesting CFPB review of whether Chime conducted a reasonable investigation as required by Regulation E and whether its denial improperly shifted the burden of proof onto me rather than establishing that the transactions were authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC

Complaint narrative:
I have owned XXXX XXXX XXXX, XXXX, NC XXXX Loan Number XXXX and had my mortgage with PennyMac from inception in XXXX. The townhomes have WALLS IN COVERAGE from the same insurance company and it has always been accepted by PennyMac. 
In XXXX on XX/XX/XXXX I submitted proof of insurance coverage policy # XXXX which is valid from XXXX and PennyMac did not accept it as a walls in coverage. This is the same coverage sent to them every year. 

I submitted it again with an email on XX/XX/XXXX and they rejected again. 

On XX/XX/XXXX I spent XXXX minutes with them on the phone, and the representative said she finally " got it ''.... that I did have walls in coverage! and she would change the records. 

As soon as we got off the phone, she must have put through an authorization for Pennymac to purchase homeowners insurance, because on XX/XX/XXXX they purchased a policy for {$410.00} and charged it to my escrow account! 

On XX/XX/XXXX they had debited my escrow account for another {$410.00} insurance payment. 

On XX/XX/XXXX I called the insurance department of PennyMac, see attached documentation, and tried to explain again. I did not use any foul language, nor scream, but the agent ended up hanging up on me. The representative just kept saying my insurance had to be escrowed. That is a false statement since my XXXX covers it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing a hard inquiry that appears on my credit report. I do not recall authorizing this inquiry and have no existing relationship with this company that would justify a credit check. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2026-01-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EdFinancial Services
State: DE

Complaint narrative:
Re : Formal Complaint False and Inaccurate Debt Reporting To Whom It May Concern, I am writing to formally dispute and complain about inaccurate and false debt information that EdFinancial Services is reporting under my name.

EdFinancial is currently reporting that I owe a debt which is incorrect. This debt is false and/or inaccurately represented for the following reason ( s ) : I do not owe this debt and have received no valid verification.

Despite this, EdFinancial has continued to report this debt to credit reporting agencies and/or attempt collection, causing financial harm, credit damage, and emotional distress. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act, I have the right to accurate reporting and verification of any alleged debt. I am formally requesting the following : 1.Immediate investigation into this matter 2.Written verification of the alleged debt 3.Immediate correction or removal of all inaccurate information being reported 4.Written confirmation once corrections have been completed If this matter is not resolved promptly, I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), the U.S. Department of Education, my State Attorney General , and any other appropriate regulatory authorities. 

Please respond in writing within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation