vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I disputed multiple inaccuracies in my consumer report with TransUnion under the Fair Credit Reporting Act ( FCRA ), including errors in personal identifying information ( name variations, date of birth, current and previous addresses, and employer listings ). 

The disputed information is reported inconsistently and with conflicting data elements across consumer reporting agencies, which prevents certification of accuracy, completeness, and proper association with my consumer file, as required under FCRA 607 ( b ) ( maximum possible accuracy ).

I submitted a written dispute requesting a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) and requested that TransUnion either certify the accuracy and completeness of each disputed data element or delete any information that could not be fully verified. 

Despite these disputes, TransUnion has continued to report inconsistent and unverifiable personal identifiers, including conflicting addresses, incomplete or mismatched date of birth information, and multiple employer entries that do not match across bureaus. These discrepancies indicate that the information has not been properly reinvestigated or certified as accurate and complete. 

Additionally, I disputed specific hard inquiries that TransUnion has not certified as having a permissible purpose under FCRA 604, nor have they provided verification of the requesting entities, inquiry dates, and lawful purpose as required by law. 

As a result, inaccurate and unverified information remains on my consumer report, which may affect my ability to obtain credit and other financial services.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I had a previous complaint, XXXX against Barclays Bank . Their response to that complaint has been entirely unacceptable. We are in the 3rd month of them having placed a security hold on my account. I provided all the requested documentation and they are now saying the official copies of my identity documentation are unacceptable? How are they unacceptable and why does it take 3 months to relay such information or concerns?

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 2026-01-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: MA

Complaint narrative:
MoneyLion says I took a loan XX/XX/XXXXXXXX  deposited to a XXXX  account, which I sent in the statements that show NO loan as dispersed on XX/XX/XXXX. They are still saying I took the loan!

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Block, Inc.
State: MO

Complaint narrative:
XXXX said they have sent the money back to my cashapp card on XX/XX/XXXX and confirmed that it sent in the amount of {$340.00} to my cashapp account. Cash App is stating they have never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: PNC Bank N.A.
State: AZ

Complaint narrative:
PNC reversed provisional credits after completing debit card dispute determinations. When I re-filed disputes, the credits were removed immediately, causing my account to go negative due solely to bank processing timing. 

Representatives confirmed disputes were open but could not address the overdraft caused by the reversals. I am requesting waiver of overdraft and negative balance fees and correction of account harm caused by this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
On XX/XX/year>XXXX  I sent XXXX XXXX XXXX to work on my car because it broke down. Than on XX/XX/XXXX I sent him XXXX dollars more because he said he needed more to get another part, so I waited for another month before I filed a claim with XXXX XXXX and TD Bank and cash app said they sent TD bank the XXXX dollars on XXXX which I did receive provisional credit for on XX/XX/XXXX and then XX/XX/XXXX They reversed the credit and I was left with XXXX in my account so on XX/XX/XXXX I got a check from my job which was XXXX and they garnished all my wages I was left with XXXX dollars and the same day they took and overdraft fee so I was left with a XXXX dollars but they reversed this fee back because I called them but they still didnt send me my jobs check back so I was left with no money So I called again and they gave me XXXX provisional credit back on XX/XX/XXXX and I called again about my garnished check wages they told me they will be making my account negative again because there reversing XXXX again from my account and I cant get my check back that they garnished

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint regarding Chases improper handling of a credit card dispute involving unauthorized transactions. 

I reported multiple charges as unauthorized due to a forged signature. The merchant failed to produce valid proof of authorization, and the signature attributed to me does not match my genuine signature as reflected in my government-issued identification. 

Despite this, Chase concluded the transactions were valid without providing any documentary or technical evidence supporting authorization. No signed receipt, electronic authentication records, XXXX XXXX XXXX XXXX XXXX XXXXr XXXX Secure verification were provided. 

Additionally, the merchant identity associated with these charges is inconsistent and not clearly verifiable. The commercial name used does not correspond to the name under which the individual operating the business publicly identifies herself, nor does it clearly match registered tax entity information. No valid invoice identifying the true merchant of record was issued. 

While the dispute remains unresolved, Chase continues to assess interest and increase the account balance, despite my formal request for reinvestigation and evidence pursuant to the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ). 

I respectfully request that the CFPB require Chase to conduct a lawful reinvestigation, provide full documentation supporting any claim of authorization, reinstate provisional credit, and cease interest accrual during the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I recently sold a high-value item to a buyer through PayPal. Prior to the purchase, I provided the buyer with sufficient photos of the product, and the buyer voluntarily proceeded with the purchase via PayPal after reviewing them. However, immediately upon delivery, the buyer began questioning the authenticity and filed for a refund without any legitimate grounds. In response, I submitted XXXX photosthe same ones originally sent to the buyerto XXXX, the most authoritative third-party authentication service available. The result was a definitive " Authentic '' verdict. Despite my professional and credible evidence, the buyer failed to provide any objective proof, relying solely on subjective opinions from friends or random AI applications. The item is exactly the same as the one in the photos I originally sent, yet PayPal disregarded this clear evidence and ruled in favor of the buyer without providing any reasoning. This is a blatant disregard for the Evidence Hierarchy. Furthermore, although I clicked the " Confirm Receipt '' button by mistake following PayPal 's forced return order, I explicitly state that this was NOT an admission of the buyer 's counterfeit claim or an agreement to the refund. Crucially, the tracking number XXXX clearly shows the item has not been delivered to my address yet, but PayPal has already closed the case and issued a refund prematurely. This proves the case was not reviewed manually. This unfair decision has caused me irreparable harm, including a financial loss of approximately {$2000.00} and an unjust debt established on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I had a business account with Venmo for over a year. Venmo, without warning, froze my account. When asked about my transactions and account they refused to give any answers and just said " we value the integrity of our network. '' That was over XXXX year ago and Venmo continues to harass me with emails and refuses to close my account and refund any cancelled transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 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: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to your communication regarding the alleged debt referenced above. This letter is a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Please provide the following : The amount of the debt, including an itemization of interest, fees, or other charges The name and address of the original creditor Copies of any documentation bearing my signature that show I am legally obligated to pay this debt Proof that you are authorized to collect this debt The date of the alleged default and the date the debt was obtained by your agency Until you provide the requested verification, you must cease all collection activity, including reporting or continuing to report this debt to any credit reporting agency. 

This request is not an acknowledgment of liability nor a refusal to pay, but a request for validation as provided by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: CT

Complaint narrative:
I established automatic payments with EdFinancial using my XXXX  XXXX XXXX checking account in XX/XX/XXXX. The initial payment in XXXX was processed successfully, confirming the validity of the account information provided. 

Timeline of Events & Actions : XX/XX/XXXX XX/XX/XXXX : Despite my account information remaining unchanged, EdFinancial reversed my automatic payments for both months. I received no notification of these failures, and my bank statements confirm no attempts to withdraw funds were made. 

XX/XX/XXXX ( Company Action ) : I contacted EdFinancial customer service to check my account status. The representative explicitly stated that my account was " all cleared '' and in good standing. 

XX/XX/XXXX ( Company Action ) : I was suddenly notified that the XXXX and XXXX payments had been reversed, resulting in a new balance owed of approximately {$500.00}. Upon contacting support, I was told the cause was a " bank account information issue, '' which contradicts the fact that the same information worked in XXXX. 

XX/XX/XXXX ( My Action ) : To prove the validity of my account, I re-entered the exact same XXXX  XXXX XXXX details into their system. However, I have not paid the {$480.00} lump sum now demanded, as this debt was accumulated due to the servicer 's failure to process payments and failure to notify me of the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
I am filing this complaint against Caine & Weiner regarding unlawful debt collection and inaccurate credit reporting related to the following account : Caine & Weiner Acct. XXXX Collection {$260.00} The first violation is that I never received any written notice of this alleged debt before it was placed on my credit report. I was not mailed a collection notice, validation notice, or any written communication advising me of the debt, my rights to dispute it, or the amount owed. I only became aware of this alleged debt after it appeared as a collection account on my credit report. Reporting a collection without first providing the required written notice is unlawful and deprived me of my right to dispute or validate the debt before it was published to third parties. 
The second violation is that I formally requested validation of this debt well over 30 days ago, and to date, I have not received any validation whatsoever. Caine & Weiner has failed to provide documentation such as the original contract, billing statements, account history, or proof that the debt is owed by me. Despite this failure, they continue to report the collection account, which constitutes continued collection activity without validation. 
I have also filed an FTC complaint against Caine & Weiner, which is attached to this submission. Their continued reporting and silence after my validation request demonstrates a pattern of noncompliance and disregard for consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: DC

Complaint narrative:
USAA has chosen to close my checking account on XX/XX/year>, I had a deposit of {$4000.00} from my XXXX  XXXX to go into that USAA Checking on XX/XX/year>. USAA will not let me transfer my funds into another bank and is holding all of my monies with no urgency. I have been with this bank for over XXXX  years and they have caused me temporary distress because I do not have access to my money to take care of my daily needs.

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 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I opened this account specifically to deposit a check issued by the XXXX XXXX California XXXX XXXX XXXX. This is not a probate matter. I confirmed this repeatedly with your representatives before and during the deposit process. 
Since XXXX, I have spoken with more than XXXX representatives, including personnel in the XXXX XXXX Department, and submitted all requested documentation multiple times. On XX/XX/year>, per direct instruction from a XXXX Accounts representative, I re-submitted the XXXX of California unclaimed funds check for deposit. The representative acknowledged and understood that this was a state-issued settlement check, not related to probate. 
The check was deposited. I subsequently received written and online notices indicating that a portion of the funds was available while the remainder was on hold. Shortly thereafter, the account status changed from Available to XXXX XXXX XXXX without explanation. I contacted customer service for clarification and was met with extremely unprofessional, condescending, and accusatory behavior from a representative named XXXX. 
After over an hour of being blamed for an issue I did not cause, I directly asked where my funds were and whether the bank intended to return my {$62000.00}. I was told to contact the XXXXXXXX XXXX XXXXXXXX  and have them re-issue another check, implying that the bank no longer had possession of the funds. This statement is deeply alarming and raises serious concerns regarding the handling, loss, or misappropriation of my deposit. 
Due to the lack of clarity, conflicting information, and absence of accountability, I sent XXXX priority letters to the XXXX and XXXX XXXX XXXX of Banking. I also submitted these complaints through the banks online portal. To date, I have received no response. 
This pattern is not isolated. I recently deposited a separate {$720.00} check that was held for XXXX weeks beyond its stated release date, requiring multiple calls simply to access my own funds. 
This is not acceptable banking practice.

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 2026-01-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: PA

Complaint narrative:
I took out a loan with Sallie Mae and I should've never done it to begin with. When I first called to take it out they were rushing me to sign on it. I did not know what I was signing on since I was a first XXXX student and neither did my co-signer ( mother ) as she speaks XXXX as a second language and did not understand. Upon signing, I asked if my answer on how I will be paying the loan can be changed later and she said yes. This was not true. around 6 months later i was out of deferment and I asked to be in another one since my situation has not changed. the agent told me yes and changed my account status to current so it wouldnt affect my mothers credit score. The very next day it affected her credit score so badly even after i was told my account was set to current. Again, it seems like these agents dont even know what theyre talking about and XXXX just constantly being lied to. fast forward to the present time, I am genuinely unable to pay the monthly payments and have expressed that multiple times by explaining how I am a full time student who is unemployed and receives no financial help. In XXXX I explained my situation to an agent who told me my loan was about to go default, and she told me that if I just make XXXX months payment immediately that she will send me paperwork the next day to sign and prove that I am a XXXX XXXX XXXX and she will sign me up for deferment and I won't have to make payments until I graduate. This was a complete lie, and I was tricked into making a payment I could not afford just for them to tell me I am unable to do what their agent told me I can do. This company is predatory and tricks young students into signing with them while not providing them correct information. You will talk to XXXX agent just for them to lie and they will give you a different agent that will say they have no idea what they were talking about. I have asked my account to be transferred and reviewed by a supervisor to see why I was told I can prove to be a XXXX XXXX XXXX and will then go into deferment and that never happened, and while I was being transferred I was hung up on. This is incredibly unprofessional and I have been asking for this review for a while now and they refuse. They trick me into calls by saying they have found a solution for me on making lower payments per month and then I answer the calls just for me to say I have to pay the full payment immediately and if not I will go into default on XX/XX/year> and i will owe the full XXXX I loaned out. This is incredibly unprofessional and it gives of scammy. I demand a solution immediately. Also i was never provided with a clear written explanation of my loan terms, relief options, or next steps before being told default would occur.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I am challenging the accuracy of a collection account identified as account # XXXX that is currently being reported to XXXX XXXX XXXX XXXX. I have no knowledge of this alleged obligation and was never provided debt validation or written notification prior to the account being reported. 

The collection agency failed to provide notice and did not allow me the opportunity to dispute or request validation before furnishing this information. If the agency maintains that notice was properly sent, please provide evidence of delivery, including certified mail with my signature. 

Without proper verification, this account is inaccurate and should be deleted from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I XXXX XXXX, received my only direct deposit ( ever ) sent on XX/XX/year> at XXXX. By XXXX my card had been locked and asked to verify. Which I attempted several times. And said .. Couldn't verify identity. So I went thru the prompts over and the same thing. Couldn't verify. They offered to reset the verification so I can try again. It said .. my information was wrong! How, when I'm the one with the information? I've now been attempting to resend my direct deposit back to employer but my account will not let me. I don't want anything to do with cash app anymore. I just want what's mine out of it. I've done everything asked and still I'm out of access. I need to pay my bills and further my situation. And this is very inconvenienced. I had my account since XXXX, XXXX  no issues until I get a large amount sent. Why verify now and lock my account when I could have been informed earlier before this matter.

Company response to consumer: Closed with explanation