vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-06 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: NY

Complaint narrative:
I formally appealed the denial of my fraud claim totaling {$15000.00}. My Way2Go prepaid debit card, which is used exclusively to receive state-issued child support payments, was subject to over 90 fraudulent transactions. 
Around XXXX through XX/XX/year>, funds intended for child support were taken from my Way2Go account through transactions that I did not authorize. I did not make these transactions, did not give permission to anyone else to use my card, and did not share my PIN. 
I reported the unauthorized transactions to Way2Go promptly and followed all required steps. Despite this, Way2Go denied my fraud claim without providing a meaningful explanation or evidence supporting the denial. 
These funds are child support payments intended for the care of my child. Denying reimbursement without transparency or due process places an unfair burden on families relying on these funds. 

I am requesting : - A written explanation of the reason for denial - Copies of any records or evidence used to deny my claim - Reconsideration of my fraud claim and reimbursement of the stolen funds I am also requesting that Way2Go clarify the fraud protections and dispute rights that apply specifically to state-issued child support debit cards, as these were not clearly disclosed. 

I am seeking a fair review, written findings, and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
My Apple Card account was closed by Apple ( GS bank ) at XX/XX/year> with the statement that I violated term. I contacted customer service and he said he could not find exact reason in their system. He refused to help me reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
For account ending in XX/XX/XXXXXXXX &XX/XX/XXXXestablished with XX/XX/XXXXXXXX has carried a XXXX balance to present day, however after account received deposit in accountXX/XX/XXXXXXXX and unable to withdraw funds, XX/XX/XXXX found fraudulent charges were made on account and a dispute claim was filed XXXX account would remain frozen pendingXX/XX/XXXX days. XX/XX/XXXX found charges fraudulently made charges were removed, but when I needed to transfer funds account was frozen. I made another call to XX/XX/XXXXand found {$97.00} outstanding and could not give reason, after XX/XX/XXXX found and agreed to the fact my account has carried a XXXX balance at all time the account remained a XXXX balance. I reminded XX/XX/XXXX liability for failing to protect my account from suspicious activity and XX/XX/XXXX allowed the transactions to charge my account. XX/XX/XXXX gave no response XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting. 

The same account is being reported with conflicting and incorrect original lender information across XXXX XXXX XXXX XXXX. In some cases, the debt buyer is incorrectly listed as the original creditor. 

A debt buyer can not be the original lender. These discrepancies render the account inaccurate and unverifiable. 

Despite my prior disputes, the accounts were marked as verified without correcting or addressing these inconsistencies. This demonstrates a failure to conduct a reasonable investigation and violates the Fair Credit Reporting Acts maximum possible accuracy requirement under 15 U.S.C. 1681e ( b ) and 1681i.

I am requesting deletion of the inaccurately reported accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I don't have specific dates or times ; however, Portfolio Recovery continues to contact me via email regarding a debt collection. I have never had an account with them and the debt they're attempting to collect if nearly XXXX XXXX XXXX. They also gain access to my credit report frequently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: Fidem Baltimore Holdings LLC
State: PA

Complaint narrative:
My card was used to fraudulently purchase airline tickets on XX/XX/XXXX. The Merchant was XXXX XXXXXXXX XXXX XXXX. The amounts were {$860.00}, {$710.00}, {$130.00}, {$95.00}, and {$170.00}. 

Whoever made these fraudulent charges also used my email address and phone number for the bookings. Therefore, I have copies of the purchases with the airline tickets, they were made under foreign names and flights outside of the U.S. This was not me and no one else is authorized to use my card and I have proof of these tickets being bought in other people 's names. 
I disputed the charges immediately on XX/XX/XXXXXXXX  with the credit card company. I also made the airline aware but they just told me to let my credit card company handle it. The credit card is The Ignite Card issued by XXXXXXXX XXXX XXXX XXXX, XXXX, SD On XX/XX/XXXXXXXX  I received an email that my disputes were denied and no funds would be credited, all provisional credit would be added back as well as any interest and fees. I called and they stated this was because I never completed the " dispute packet ''. I made them aware I never received this, they verified my address and assured they would send it. After not receiving it, I called again, and they stated they would mail it and also email it to me. I never received, so I called back again on XX/XX/XXXXXXXX  and spoke with a CSR who was very unhelpful, but said he was going to escalate the dispute. I did get a call back on XX/XX/XXXX from someone stating my dispute was denied and found in favor of the credit card. They stated I need to send a written request to them to appeal. Now that I have the " correct '' process, I am sending that request today XX/XX/XXXX. However, I feel they are going to continue giving me issues and just need help getting this resolved,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: IN

Complaint narrative:
Account XXXX XXXX XXXX XXXXXXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX XXXXXXXX as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Im a victim of identity theft, someone took over my account, and phone number and I called bank to lock my account, and, the culprit moved money out of my account, I kept telling them, they did nothing absolutely nothing and, every time I called nothing was written down, I made a dispute claim they denied it, I felt neglected I didn't have my id that they wanted so I told them I will take a selfie, and give u my birth certificate and social card, they did nothing while my money kept getting transferred out, I told them please close account, they wouldnt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: MA

Complaint narrative:
My identity breach has been painful over the last couple of years. Ive been working diligently with ftc and the credit bureaus. This needs to be removed from all databases immediately and any future just in case as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-06 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: TX

Complaint narrative:
I am filing a complaint regarding PayPals continued holding of my funds despite a completed, undisputed transaction and confirmed delivery. 

I sold a personal electronic device through a third-party marketplace ( XXXX ). The transaction was paid via PayPal on XX/XX/XXXX. I shipped the item using XXXX with tracking, and the package was delivered and marked Met Customer on XX/XX/XXXX. 

PayPal has confirmed : Shipping information was successfully provided Delivery was confirmed in PayPals system There are no disputes, chargebacks, or buyer claims The marketplace has marked the transaction as completed Despite this, PayPal permanently limited my account and is holding the funds solely due to an account-level restriction, not due to any issue with the transaction itself. 

PayPal initially advised that my account and documentation were under review with a 35 business day processing window. After that period passed, PayPal responded that the funds would be held for up to 120 days, with a projected release around XX/XX/XXXX. 

The funds are no longer shown as on hold in the PayPal app, but remain inaccessible. I am unable to withdraw or transfer them despite fulfillment of all seller obligations and zero remaining transaction risk. 

I am requesting CFPB assistance to review whether holding completed, undisputed funds for the full 120-day period is reasonable under these circumstances, and to help facilitate release of the funds or an earlier withdrawal date. 

I have attached documentation confirming delivery, transaction completion, and PayPals written communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-06 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: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2026-01-06 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: ME

Complaint narrative:
Product : Credit Card Issue : Fraudulent charges/ Billing dispute Company : Discover Bank Complaint Description : I am filing this complaint regarding Discover Banks improper handling of a fraud dispute on my credit card. 

My Discover credit card was used for unauthorized and fraudulent transactions. I promptly reported the fraud to Discover and filed a police report. I provided Discover with the police report, including the officers name and official case number ( XXXX ), as requested. 

After reviewing the evidence, Discover accepted the fraud claim and resolved the dispute in my favor. My billing statements clearly show that Discover issued multiple Security Dispute Adjustments, crediting the unauthorized transactions and confirming that I was not responsible for them. On Discover bank statement ( XXXX XXXX XXXX ) is showing that the dispute was officially resolved. 

About a month later, Discover reopened the case without reason and reversed its own fraud determination. The previously credited fraudulent charges were rebilled to my account, along with interest. 

During a second dispute, Discover requested additional documentation. In response, I submitted everything Discover asked for, including : A signed affidavit ( completed specifically at Discovers request ) The original police report The police officers name and case number Despite receiving all requested documentation, Discover again denied the dispute and stated that there was not enough evidence, without explaining : Why the police report and affidavit were insufficient Why the same evidence that previously resolved the case was later rejected What additional documentation, if any, was required As a result, Discover is now holding me responsible for fraudulent charges that they had already accepted and reversed, and continues to assess interest and maintain the balance. 

I believe Discover failed to conduct a fair, reasonable, and transparent investigation, and improperly reversed a resolved fraud claim without justification, in violation of consumer protection and fair billing standards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 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: SOFI TECHNOLOGIES, INC.
State: MN

Complaint narrative:
XX/XX/XXXX : My wife received XXXX emails at XXXX AM for purchases from XXXX totaling {$250.00} and {$260.00}. She forwarded them to me at XXXX AM and asked if I made the purchases. I did not. 
I immediately reported the charges as fraudulent to SoFi. They marked them as pending and began an investigation. My wife also contacted XXXX, who confirmed the transactions appeared fraudulent and said they would stop them. 
XX/XX/XXXX : I received a letter from SoFi stating the investigation was complete and the charges were deemed authorized. I called for clarification and was given a case ID ( XXXX ) and a contact name ( XXXX ). Over the next XXXX weeks, I left multiple messages with no response. 
I escalated to SoFis fraud team and eventually spoke with someone from the third-party company that SoFi uses to perform investigations, who said XXXX was unavailable and there was no explanation in their systemonly that the bank ( SoFi ) instructed denial of the fraud claim. 
I requested an appeal and was told XXXX was opened. On XX/XX/XXXX, I called to check the status and learned no appeal had been filed. I was informed there is a specific process for appeals, which was not followed despite prior assurances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I received a letter dated XX/XX/XXXX from Openbank ( post marked XX/XX/XXXX, and received XX/XX/XXXX ) advising me that my savings account with them had been debited in the amount of {$2200.00}. The letter did not explain what was done with the money, but provided a phone number for inquiries. On or about XX/XX/XXXX, I contacted the number and was told that on XX/XX/XXXX, Openbank made an ACH transfer of that amount to XXXX XXXX, in which I have several accounts. Openbank did not have the information as to which of my accounts at XXXX the money was transferred, but directed me to contact XXXX to determine the money 's whereabouts. ( Note : this synopsis represents several calls I made to Openbank, speaking with at least four different customer service reps. I do not have a record of all the dates and times I have spoken with this bank. ) I contacted XXXX ( several times ), and have repeatedly been told they have no record of having received an ACH transfer in the amount of {$2200.00} from Openbank or their parent company, XXXX. XXXX advised me there is nothing they could do because they did not initiate the transfer, and that I would have to take this matter up with Openbank. 

In my several calls with Openbank, they refuse to investigate or provide me with a trace number, and have repeatedly told me that there is nothing they can do, and that I need to take this matter to XXXX whom they suggest has misplaced my money. I have requested to speak with a supervisor, and was told that someone would be in touch with me " within the next five days " I have not been contacted. 

As things stand, neither Openbank nor XXXX can tell me where my money disappeared to, with each placing responsibility on the other, and neither making much of an effort to do anything that might identify where my money went. After considerable back and forth, a dozen phone calls to customer service reps, all of which were fruitless, I file this complaint exhausted of any other remedies.

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 2026-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I received to notices of debt collection from a company called DCU ( Digital Federal Credit Union ), XXXX. XXXX XXXX, MA XXXX. This was first mailed in XXXXXXXX XXXX  for a personal loan with a principal balance of {$9000.00}. I have never heard of this company nor have I ever taken out a personal loan for any amount. 

I contacted to company XXXX about this situation and have had no response.

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 2026-01-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MIDWEST RECEIVABLE SOLUTIONS LLC
State: MI

Complaint narrative:
Date : XX/XX/year> Amount : {$140.00} Actions I took : I submitted a dispute with the credit bureaus ( XXXX XXXX regarding this collection. I requested documentation, including the original contract or detailed explanation of the balance. 
Actions taken by the company : The company responded to the dispute but did not provide the requested documentation. No contract or itemized explanation of the balance was supplied.

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