vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-01 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
State: GA

Complaint narrative:
On XX/XX/ 2025, I made a {$230.00} Paypal Pay in XXXX purchase funded by my XXXX Bank ACH savings account. XXXX item valued at {$15.00} including tax was defective. 

The merchant, XXXX XXXX, admitted the defect in writing and confirmed a refund was issued. However, only {$2.00} was returned to my original funding source through Paypal. The remaining {$13.00} was issued as store credit without my consent. The store credit cXX/XX/XXXXe is also unusable, effectively denying me the refund. 

I filed a Paypal case ( XXXX XXXX on XX/XX/ 2025 for Credit Not Received. Since then, Paypal has changed the case category multiple times and continues treating it as a Significantly Not as Described dispute, repeatedly requesting product-damage photos that were already provided and are irrelevant to a billing-credit error. 

This behavior constitutes stalling and demonstrates a lack of good-faith investigation. Paypals handling appears designed to delay resolution and favor the merchant rather than comply with Regulation XXXX requirements for timely and accurate investigation of ACH-funded payment disputes. 

I have also initiated a billing dispute with my financial institution for transparency, as Paypal has not corrected the refund error. This is not a duplicate recovery effort, but to document Paypals ongoing noncompliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kikoff Inc.
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I also just dropped out of college recently and noticed this on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On or about XX/XX/year>, my Santander Bank debit card was used to make unauthorized card purchases at a XXXX location in XXXX XXXXXXXX XXXX XXXX The unauthorized transactions were for {$980.00} and {$1900.00}, both of which posted as completed. 

Prior to these transactions, I lost my belongings, including my wallet, debit and credit cards, bag, and my phone after leaving them in an XXXX. Once my belongings were lost, I no longer had possession or control of my debit card. I did not authorize, initiate, or benefit from these transactions in any way. 

I reported the loss and the unauthorized activity to Santander Bank promptly after discovering the transactions and filed a fraud claim requesting reimbursement. Under Regulation E ( Electronic Fund Transfer Act ), I am entitled to protection from unauthorized electronic fund transfers when a debit card is lost or stolen and timely notice is provided.

Despite this, Santander Bank denied my claim and has not returned my funds, even though these transactions were clearly unauthorized and occurred after my card and phone were lost. I did not conduct these XXXX transactions, did not receive any goods or services from them, and gained no benefit from the charges. 

I am requesting that XXXX XXXX  comply with Regulation E, reverse the unauthorized charges, return my stolen funds in full, and correct this matter promptly.

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 2026-01-01 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against TransUnion LLC and XXXX XXXX XXXX XXXX ( NFCU ) for violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including failure to ensure accuracy and failure to conduct a reasonable reinvestigation. 

I formally disputed the XXXX XXXX XXXX XXXX charge-off account listed on my TransUnion credit report. Despite receiving notice of this dispute, TransUnion continues to report this account without possessing or reviewing competent, primary-source documentation sufficient to meet the maximum possible accuracy standard required under 15 U.S.C. 1681e ( b ).

TransUnion has not demonstrated that it reviewed original creditor records or any admissible evidence. Instead, TransUnion appears to rely on automated verification systems ( including e-OSCAR ) or furnisher attestations, which do not satisfy the statutory requirement for a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). 

Neither TransUnion nor XXXX has produced or shown review of : A signed contract or application establishing legal liability A complete, itemized payment history substantiating the charge-off A verified and accurate Date of First Delinquency ( DOFD ) compliant with 15 U.S.C. 1681c Documentation establishing XXXX authority to report this account Method of Verification Violation I formally requested the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), including the method used, the individual who verified the account, and the documents reviewed. TransUnion failed to provide this information, constituting an independent violation of the FCRA. 

The continued reporting of this unverified NFCU charge-off has caused actual damages, including diminished creditworthiness, adverse credit decisions, and increased borrowing costs TransUnions continued publication of this disputed account after notice demonstrates knowing and willful non-compliance, exposing TransUnion and XXXX to liability under 15 U.S.C. 1681n and 1681o.

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 2026-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fein, Such, Kahn & Shepard, P.C.
State: FL

Complaint narrative:
The XXXX XXXX  debt was XXXX in my bankruptcy case in XXXX and is reflected in my credit history, until XXXX. The levies on my checking account are invalid, because I was not notified nor was I served documents. Why did XXXX XXXX XXXX XXXX XXXX take 5 years to revisit and reopen this discharged debt?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 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: Chime Financial Inc
State: PA

Complaint narrative:
# # # Part 1 : Complaint Narrative ( Copy and paste this into the main complaint description box ) This complaint is filed on behalf of XXXX XXXX. Chime Financial , Inc. has failed to provide proof for a claim it made to a government regulator ( XXXX  XXXXXXXX XXXX XXXX Case # XXXX ). In a letter dated XX/XX/XXXX, Chime stated that a refund check for {$34.00} was issued to me and cleared on XX/XX/XXXX. I have never received or cashed this check. 

Despite multiple contacts and over an hour on the phone with a supervisor ( XXXX ) on XX/XX/XXXX, Chime has refused to provide proof of this cashed check and has also failed to provide a copy of the full account agreement with arbitration clauses upon request. They created a new internal ticket ( XXXX ) and promised the documents would be emailed within 48 hours. They have failed to meet this deadline. Their customer service is a circular loop of transfers and re-verifications designed to prevent resolution. 

-- - # # # Part 2 : Desired Resolution ( Copy and paste this into the box asking for a fair resolution ) An official response from Chime via the CFPB portal providing : 1. Complete Check Images : High-resolution images of the front and back of the cleared {$34.00} check.

2. Detailed Transaction Information : The exact date ( day, month, year ), time, and location ( e.g., bank name, check-cashing store, platform name ) where the check was cashed or mobile deposited. 
3. Endorser Information : The full first name, last name, and middle name of the person who endorsed and cashed the check.

4. Full Account Agreement : A complete copy of the account agreement, including all arbitration clauses for XXXX or XXXX 

If Chime can not provide this detailed proof, they must immediately reissue the {$34.00} check and provide a mailing tracking number. 

-- -

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I redeem my point and transfer it to XXXX debt it was {$27.00} and then I payed for my current balance.Then on XX/XX/XXXX I still see that point so I redeem it again and payed for current balance and when I was doing XXXX transaction there was no error or warning like my other credit cards do when I make double transaction and now there was XXXX transaction of {$27.00} for XXXX transaction I got the redeem amount and my balance went to {$40.00} something now on XX/XX/XXXX I had a fees of XXXX XXXX NAME = Returned check chg then I called the bank and they said its the fees because XXXX of the transaction was not processed because of insufficient balance. I told them this whole scenario even talk to XXXX but he said I cant wave this fees I said then whats the point of earning that point after spending more than {$400.00} on the credit card and now Im paying a {$30.00} fees just because I did 2 transaction and there was no guide who can tell me Im making double transaction. Well the 2 transaction of {$27.00} is still showing processing but I got the fees which I have to pay.

Bank = Synchrony Card = one pay cash rewards credit 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 explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Lanier Law Firm, LLC
State: NC

Complaint narrative:
I Have a XXXX data breach with a insurance fraud cyber liability claim for a data breach. My account was compromised with a dispute for XXXX XXXX it hack data breach. My account was compromised with liability claims for comprehensive insurance fraud. My account was inaccessible log in with compromised email credentials. I sent a ID restoration XXXX with my degree and compromised learning skills with high achievements. I sent the mentally ill schizophrenic sickness with the malpractice claim lawyer. We are now, with the council making a referral for emotional stressed out patient documents updated for bankruptcy petition and liability claims with my insurance provider. I sent a policy update to my class council litigation but my account was hacked and compromised with a malpractice referral account affidavit. Identity theft XXXX with my legal department. I asked to file a contract for appeal of the bankrupt fraud ID restoration for XXXXXXXX XXXX XXXXmended identitytheft.gov XXXX return. I have a policy update for suspended account ID restoration fraud alert of a data breach. I want to update the policy. In XX/XX/year>, XXXX XXXX experienced a significant data breach, compromising personal information ( names, emails, dates of birth, locations, service dates ) for roughly XXXX XXXX patients, accessed via an external storage location used for email formatting, though XXXX stated no clinical or financial data like SSNs or credit cards were taken, but some data on the dark web contradicted this. The breach led to lawsuits and concerns over third-party vendor security, prompting XXXX to XXXX credit monitoring, while advising patients to watch for phishing attempts. 
What Happened? 
Type of XXXX : XXXX data included names, addresses, emails, phone numbers, dates of birth, service dates, locations, and next appointment dates. 
Source : The breach involved data stolen from an external storage location used for automated email messages, not XXXX 's main systems. 
Scope : Approximately XXXX XXXX patients were affected. 
XXXX 's Stance : XXXX stated no clinical or payment data ( SSNs, credit card numbers, etc. ) was compromised, though hackers claimed to have health diagnoses. 
XXXX & XXXX : Lawsuits : Class-action lawsuits were filed against XXXX. 
Patient Advice : XXXX planned to contact affected patients and offer credit monitoring ; patients were advised to be wary of phishing emails, texts, and calls. 
Investigation : The incident triggered investigations by law enforcement and cybersecurity experts.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. I also just dropped out of college recently and noticed this on my credit.

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

Complaint narrative:
Yesterday XX/XX/year> I got into my PayPal and I had a red banner at the top stating it is permanently blocked of banned and they were holding XXXXXXXX XXXX in for 120 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding Select Portfolio Servicing, Inc. and the handling of my loss mitigation request.

Select Portfolio Servicing states that a loss mitigation application was provided to me electronically on or about XX/XX/year>, and that my request for assistance was closed due to failure to submit required documents by a stated deadline. While an electronic document was made available, the loss mitigation materials were not clearly or conspicuously identified in a manner that would reasonably alert a borrower to the presence of a time-sensitive loss mitigation application. 

The initial pages of the electronic document contained bankruptcy-related informational language stating that the notice was for compliance and informational purposes only and did not constitute a demand for payment. The document included blank pages, and the loss mitigation information and document requirements did not appear until several pages into the packet. There was no clear cover page, heading, alert, or notice identifying the document as a loss mitigation application or indicating that immediate action was required. 

Based on the way the electronic document was presented, it reasonably appeared to be an informational or bankruptcy-related notice rather than a loss mitigation application requiring prompt submission of documents. As a result, I did not realize that the packet contained a XXXX loss mitigation application or that there was a deadline associated with it. 

Additionally, my electronic account portal did not clearly reflect an active loss mitigation application, pending document request, or submission deadline, and no separate electronic alert or follow-up notice was provided to draw attention to the loss mitigation requirements. 

Despite these deficiencies in clarity and presentation, Select Portfolio Servicing closed my loss mitigation request and indicated that foreclosure activity may continue, treating the matter as if I failed to respond or abandoned the process. This action was taken without ensuring that the loss mitigation materials were clearly identified, reasonably accessible, or adequately communicated.

I believe this handling raises concerns regarding the servicers compliance with federal mortgage servicing requirements related to clear borrower notice, reasonable diligence, accurate recordkeeping, and fair loss mitigation procedures. I am requesting regulatory review and corrective action to ensure that my account is evaluated based on proper notice and fair process, and that foreclosure activity is not advanced based on unclear or misleading electronic communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am a Texas resident. On XX/XX/year> I sent Credit Management Company a written request for debt validation under the FDCPA and Texas Finance Code, including proof the debt is mine and proof the company is authorized and bonded to collect debts in Texas. The letter was delivered, but the company did not provide the requested validation or proof of Texas bonding within 30 days. Despite this, the company continued reporting the collection account to credit bureaus. Equifax verified the account as accurate even though no validation was provided to me. The company has not sent billing statements and has not demonstrated legal authority to collect in Texas. I am requesting investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing in response to the above-referenced account that you have reported to one or more consumer reporting agencies. This letter constitutes a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ).

I dispute this debt in its entirety and request that you provide competent evidence that I have a legal obligation to pay this alleged debt. Please provide the following : Proof that you own or have been assigned the alleged debt The name and address of the original creditor The complete payment history and itemized accounting of the balance A copy of the original contract or agreement bearing my signature Documentation showing the date of first delinquency Proof that you are licensed to collect in my state, if applicable During the validation period, you are required by law to cease all collection activity, including reporting or verifying this account with any consumer reporting agency. 

If you are unable to provide the requested validation, you must delete this account from all consumer reporting agencies to which you have reported, as continued reporting of unverified information constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

This request is not a refusal to pay, but a request for proof of legal obligation. All rights are expressly reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing in response to the above-referenced account that you have reported to one or more consumer reporting agencies. This letter constitutes a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g ( b ).

I dispute this debt in its entirety and request that you provide competent evidence that I have a legal obligation to pay this alleged debt. Please provide the following : Proof that you own or have been assigned the alleged debt The name and address of the original creditor The complete payment history and itemized accounting of the balance A copy of the original contract or agreement bearing my signature Documentation showing the date of first delinquency Proof that you are licensed to collect in my state, if applicable During the validation period, you are required by law to cease all collection activity, including reporting or verifying this account with any consumer reporting agency.

If you are unable to provide the requested validation, you must delete this account from all consumer reporting agencies to which you have reported, as continued reporting of unverified information constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

This request is not a refusal to pay, but a request for proof of legal obligation. All rights are expressly reserved.

Company response to consumer: Closed with explanation