vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-15 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: UT

Complaint narrative:
On XX/XX/year>, my purse was lost and consequently stolen. Shortly after, unauthorized access occurred to my XXXX  account and funds stored in my XXXX  balance were used without my authorization. 

Multiple unauthorized transactions were made from my XXXX  balance. These transactions included repeated charges to the same merchants, including XXXX XXXX merchants, in escalating amounts. The transaction pattern included small test charges followed by larger withdrawals, which is consistent with account takeover fraud. 

I reported the unauthorized activity to XXXX  promptly, secured my account, and filed a police report. I submitted disputes for each unauthorized transaction and later submitted an appeal with supporting documentation, including the police report and transaction screenshots. 

XXXX  denied the majority of the disputes and closed the cases without providing a clear explanation for why the transactions were considered authorized despite the documented theft, fraud pattern, and supporting evidence. Only a small portion of the total unauthorized amount was credited. 

I am seeking reimbursement for the remaining unauthorized transactions and a written explanation of the basis for the dispute denials.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: PA

Complaint narrative:
Key bank opened a fraud investigation of more checking account ending in XXXX. They then restricted access to the account. They opened another account ending with XXXX and transferred funds from the XXXX account to it. Did ring their fraud investigation, they withheld funds from my XXXX direct deposit. I was unable to view either account or use them. 
I was not informed of the results of their investigation, although I did cooperate with XXXX XXXX with whom I was directed to meet. I called Key customer service several times to request information about my accounts. I had to visit my local office to obtain statements. These statements do not reflect the entire amounts accurately nor what ultimately happened to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a credit card with Bank of America. I became XXXX and cant make payments.. I asked to put me on collection or stop charging me late fee .. they said there XXXX charge an extra XXXX  months before it goes to collections!! So I told them to send me to collections so the fees wont go up .. they denied my request .. and said they will charge XXXX XXXX  for every late fee for the next XXXX  months .. thats an extra XXXX on top of the XXXX I owe,, I need help for this situation Please give me a call

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 2026-01-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
I have contacted XXXXXXXX XXXX XXXX who took care of my payments and for Nationstar mortgage about the shortage of the escrow to see where it started but they only send monthly statements and not exactly where anything of where a shortage took place. I have pay them for XXXX  months already {$910.00} equivalent to {$13000.00}. My insurance yearly cost is of {$4800.00} and my state taxes at {$1500.00}. XXXX XXXX XXXXXXXX {$10000.00} and my combine escrow is {$6400.00}. I have overpaid {$7200.00}. This has led me to financial hardship being short the overpayment. I have try getting information from them but now they have sold my mortgage to XXXX mortgage who can't not do analyze yet since the have receive my loan in less than XXXX days. I would like for them to send me the required documents of the shortage and not just the monthly statement that does not reflect the shortage documentation of where it happens the monthly mortgage only shows the shortage amount ; I pay monthly of {$390.00} but not where I became short. XXXX XXXX phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Valor Intelligent Processing, LLC
State: IL

Complaint narrative:
VALOR is falsely reporting on my credit. I have never had any accounts with them. Per my research VALORis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
In XX/XX/year> I purchased an app titled XXXX through XXXX XXXX at {$85.00} with a stipulation I could cancel within XX/XX/XXXXdays. I canceled on the XXXX day. XXXX XXXX issued a refund to my credit card. I still have not rec 'd this. I paid the balance of XXXX because I didn't want to affect my credit. I have called the bank numerous times since XXXX. At first they told me I would get the refund within XX/XX/XXXX days. Now they so I'm not entitled to it. The rep told me that XXXX XXXX had refunded it XX/XX/XXXX so I didn't get a refund. I told her that I had paid it. I'm sure this is confusing. If you have any questions please call me. The back said you can only get a refund within XX/XX/XXXX months. XX/XX/XXXX will beXX/XX/XXXXmonths according to them. Thank you

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 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: KS

Complaint narrative:
I am filing a formal complaint regarding inaccurate and unverified credit reporting and debt collection practices by Southwest Credit Systems LP.

Southwest Credit Systems LP is reporting a collection account on my consumer credit report with an alleged balance of {$2100.00}, opened on XX/XX/year>, marked as placed for collection. This account is being reported inaccurately and incompletely in violation of federal law.

Specifically : 1. The tradeline fails to identify the account type, rendering the information incomplete and misleading.

2. Southwest Credit Systems LP has not provided proof of a contractual obligation, including any signed agreement showing I owe this debt.

3. No itemized accounting has been provided explaining how the alleged balance was calculated.

4. No documentation has been provided proving Southwest Credit Systems LP has legal authority or assignment to collect this debt.

5. The company is continuing to report this account to credit bureaus without proper verification, which violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

I have disputed this account due to its inaccuracies and have requested proper validation. Reporting a debt that is unverified, incomplete, and unsupported by documentation is unlawful and harmful to my credit standing.

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
In XX/XX/year>, I received a notice that an alleged debt from XXXX XXXX XXXX XXXX XXXX ( account ending # XXXX ) was sold to Jefferson Capital Systems LLC. The claimed amount is {$17000.00}. 

On XX/XX/year>, I sent a written debt validation request to XXXX XXXX via USPS Certified Mail, exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ). The USPS confirmed delivery on XX/XX/year>. 

The debt collector failed to provide any validation or verification of the debt within the 30-day period required by law. 

On XX/XX/year>, I sent a second formal notice via Certified Mail, informing them of their violation and demanding they cease collection and correct credit reporting. They received this letter but have provided no response.

To date, I have received zero information to verify this debt. Furthermore, they have failed to mark the debt as " disputed '' on my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

Their actions constitute clear violations of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: KS

Complaint narrative:
I made 2 different transactions that caused pre authorization holds one for {$50.00} and another for {$47.00}. The {$50.00} hotel deposit was settled but never went back into my balance. The {$9.00} from my XXXX order settled but never went back into my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CAPITALPlus Mortgage & Underwriting Services, Inc
State: VA

Complaint narrative:
I am filing this complaint against XXXX XXXX for unfair and deceptive business practices related to a timeshare agreement. I am simply seeking a mutual agreement between myself and XXXX XXXX to resolve this matter, end the contract, and part ways. It has been nearly two years since I last made a payment, a decision made out of genuine financial necessity, not spite. 

I signed my timeshare contract based directly on clear verbal assurances and promises made by XXXX XXXX representatives that have never been fulfilled. I was directly told that refinancing my agreement was an option and that I would receive assistance to sell weeks, which would help me pay off the credit card debt incurred. Despite my repeated follow-ups, no one from XXXX XXXX  ever followed through on these commitments. The verbal assurances I received in the past are the reason I am now bound to a timeshare that I can not afford, have never used, and need to cancel. I urge you not to repeat what others have already told me regarding a rescission period, or hide behind the contract I signed. My decision to sign was based on promises never fulfilled. 

I have consistently requested that all communication regarding this matter be handled via email. This preference stems from a complete lack of trust in any verbal information provided by XXXX XXXX. My last formal correspondence to XXXX XXXX regarding this issue has gone unanswered for XXXX full month. This failure to respond demonstrates a clear disregard for resolving my complaint. 

I have been informed that a " Graceful Exit '' is the only option, yet Ive also been told it does not apply to me because of the outstanding loan balance. It is confusing and unhelpful to be presented with an option that is not actually available to me. Furthermore, my experience is clearly not isolated ; I submitted a negative XXXX XXXX against XXXX XXXX, which has been viewed by over XXXX people.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
I do not recall this account I have been requesting proof of this account! And I have not received anything

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: UT

Complaint narrative:
Received a debt collector notice on XX/XX/year> in the amount of XXXX. Creditor is XXXX XXXX XXXX, XXXX. Never heard of this company. After falling direction of returning with it mark as not my debit I dispute all debt. Mail it back certified mail on XX/XX/year>. 
They sent back a lower amount offer XXXX. 
I called spoke with XXXX XXXX on XXXX at American Coradius International LLC. I told her I never heard of this company, and couldn't find anything on the Internet. She said it was from XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  XXXX. I told her yes I lived there but nothing was ever mentioned. I think this is fraud I said I moved out in XX/XX/year>. She told me that the client took it away on XX/XX/year>. 
Everything was taken care of and I will not hear from ACI AGAIN. 

TODAY I received another debt collector letter form the same company, same amount, same creditor. I am a XXXX  dealing with a lot of XXXX  issues. I took care of this once.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This is essentially what happened from my point of view, my ex-wife called into Barclays Bank to access my credit card account. An account that I had only for emergencies. They allowed her to add herself to the account, change the account phone number, change the account address, and change the account email address. She then proceeded to use the account and charged approx. {$2500.00} by the time I caught it. 
I figured this all out around the end of the first week XX/XX/year>2025. I proceeded to call Barclays and spoke to a representative who gave me a hard time trying to just access the account, eventually agreeing to report it as fraudulent. Barclays continued to roll the balance and expected me to pay off the balance, I refused to claiming it was all fraud. They said it would all be resolved within XX/XX/XXXX days. I called back aboutXX/XX/XXXX days in when I started getting delinquent payment notices. Then at the end of the next XX/XX/XXXX days, same thing. I called back again and requested a call back from a supervisor. She said she would get it all cleared up and nothing happened. This went on until XX/XX/year>2025, until I got a sympathetic gentleman on the phone who was able to remove the balance. 
However, my credit score has gone from mid XXXXXX/XX/XXXX to currently a XXXX. I can not refi my HELOC because of the drop in my score and has wreaked havoc on my credit. 
I am sure there is a lot of things I am missing in the middle, like I was promised multiple times that Barclays would clear up my credit, but nothing has happened yet. We are now in mid XXXX and still nothing. This is not right. They allowed someone to access my credit card who was not authorized. They allowed my credit to be affected. 
I need help.

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 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: AL

Complaint narrative:
CREDIT SYSTEMS is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT SYSTEMS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S XXXX XXXXd - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
In XX/XX/year>, I noticed an account reported on my credit report that I do not recognize. I contacted the company on XX/XX/year>, to request validation of the debt. 

As of XX/XX/year>, I have not received validation, and the account continues to be reported. 

I am requesting verification of the debt or removal of the account from my credit report.

Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: CEX.IO CORP.
State: IN

Complaint narrative:
On XX/XX/year>, I requested a XXXX XXXX withdrawal from CEX.IO to my personal XXXX wallet. The transaction was immediately rejected with the message : " Something went wrong. Please give us a few moments while we fix the issue. " XXXX went silent for XXXX hours despite " under XXXX hour '' response claims. When they finally responded : Required wallet verification I provided screenshots proving ownership, but Notification Center showed " No notifications yet '' despite their instructionsFlagged my wallet as " illegal gambling '' under Terms 13.1 I acknowledged the policy and committed to compliancePromised : " After this, the processing of all transactions will be re-enabled '' XXXX XXXX hold imposed after I updated phone number ( required their process ) they refused override despite transaction predating XXXX XXXX, 2026 : Latest support ( XXXX XXXX confirmed account closure because they " can not provide services. '' Pending withdrawal still shows in app with no TXID, no balance return. New card selfie verifications malfunction ( upload, no confirmation ) .Funds frozen XXXX days despite full cooperation. Support refuses status updates on : Withdrawal processing/returnAccount closure fund settlement timelineRemaining balance amount/methodUnemployed with family funeral expenses CEX.IO withholding ~ {$290.00} USD while closing account without clear fund return process. 

I requested : XXXX. Status of my pending XXXX XXXX cryptocurrency withdrawal ( Transaction ID : XXXX ) - whether processed, TXID, or returned to balance XXXX. Exact amount and timeline for return of all remaining funds upon account closure XXXX. Confirmation that all account restrictions ( XXXX XXXX hold, card verifications ) were lifted as promised after compliance with their requests XXXX. Written explanation why my compliant withdrawal request was rejected despite their message stating " Something went wrong. Please give us a few moments while we fix the issue '' 5. Specific details on CEX.IO 's account closure process and fund return method CEX.IO has refused to provide any of this information while keeping my full balance frozen, despite my full cooperation with KYC, wallet verification, Terms of Use acknowledgment, and multiple support verification requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: TX

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. This is a very stressful situation and I fill so violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Quick Money Solutions LLC
State: MO

Complaint narrative:
On XXXX XXXX XXXX I requested that this company revoke the ACH withdraw for the loan. I promptly received an email stating that all of the withdraws were cancelled. On the afternoon of XXXX XXXX XXXX there was a withdraw for the payment that came out of my account in the amount of {$140.00}. I quickly emailed them and stated that I was told that the payment was not going to come out and requested that they refund the money. They advised that I requested it too late and they could not hep me. I attempted to email them and provide proof that they told me it was not going to come out of my account and they would not answer me. The next day XXXX XXXX XXXX I tried to talk with my bank who stated that they can not help me reverse it the company has to. I had emailed them multiple times with no response. I called the company ( caller ID ) they refused to answer and if they did they promptly hung up on me. Then I tried to call and they had blocked my phone number. I then called from my work phone to attempt to get help I was told he was going to look into it and call me back ASAP. I was leery to get off of the phone but I did. I attempted to call back again and THAT phone number was also blocked where I could not call them. I now have no way to be in contact with them on what is going on with my account.

Company response to consumer: Closed with explanation