vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Capital Bank XXXX XXXX XXXX XXXX OH XXXX Email : XXXX Phone : XXXX Lands End account XXXX XX/XX/XXXX I request that you correct the negative entry on my Lands ' End account and report this correction to all three credit bureaus. This situation began in XX/XX/XXXX. I paid the balance in full on XX/XX/XXXX, in the amount of {$230.00}, and I had always made payments automatically from my checking account. After the balance was paid in full, a residual interest balance of {$2.00} likely remained. For some reason, this interest amount was not paid automatically from my checking account. I did not receive any statements because I was enrolled in the paperless billing option. Subsequentlyin XXXX ( late fee {$2.00}, interest {$2.00} ), XXXX ( late fee {$7.00}, interest {$2.00} ), XXXX ( late fee {$11.00}, interest {$2.00} ), and XXXX ( late fee {$23.00}, interest {$2.00} ) of XXXXthese charges continued to accrue. On XX/XX/XXXX, {$4.00} was credited back to me, and on XX/XX/XXXX, a refund of {$2.00} was issued. I dispute these late fees and interest charges and request that this total amount of {$48.00} be credited back to my Lands ' End account. The sum of {$48.00} was paid on XX/XX/XXXX. Most importantly, I request that you notify the credit bureaus and correct the negative entry regarding a payment delinquency of more than 90 days. Please send confirmation of the above actions to the address listed above or via email.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I disputed a repossession account being reported by XXXX XXXX XXXX. The account is reporting a balance of {$5600.00} after a charge-off. Creditor : XXXX XXXX XXXX Account Number : XXXX The credit bureaus responded with verified but failed to provide any documentation showing how the account was verified. I requested the method of verification, but no meaningful response has been provided. Additionally, this account involves a repossession and alleged deficiency balance. The creditor has not provided : - Notice of sale - Sale price of the vehicle- Deficiency balance calculation - Proof of compliance with repossession laws Without this documentation, the balance being reported is unverifiable and potentially inaccurate. Despite this, the account continues to be reported as a charge-off with a balance. I am requesting : - Immediate deletion of this account from my credit reports OR - Full documentation validating the repossession, sale, and deficiency balance The continued reporting of this account without proper verification violates the Fair Credit Reporting Act Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 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: MI

Complaint narrative:
I'm mostly unlucky, Someone stole dollars from my account without permission. I don't know who that person is. However, I think there seems to be a connection between a website and the theft of dollars from this account.I was buying some personal items for my family from a website.when I want to pay my bills there says my card information is.. When I said the card wasn't working, the salesperson told me that I didn't have enough balance in my account, so I honestly told him that I had enough balance in my account.The card wasn't working so I cancelled my order.But a few days later I see some transactions that I didn't make. merchant name XXXX I then contacted customer service and reported the transactions that I did not make. Then customer service open a dispute A few days later I see that my dispute has been denied.The truth is that I never made those transactions, so why didn't customer service accept my legitimate claim? I am now very humbly requesting you again to please accept my demand and return my dollars. My hard-earned money. I DIDN'T AUTHORIZED ANY PAYMENT WITH XXXX I don't have any relation with XXXX, And I don't have any account with XXXX My XXXX datils : XXXX mail : XXXX XXXX phone : XXXX ( COMPROMISED CARD : XXXX ) I did not authorize anyone to make transactions from my card. Whoever did stole my dollars without my permission.So I humbly ask you to please return my money.I respect the laws of the United States and hope that justice will be served. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am the holder of a PayPal Debit Mastercard issued by PayPal. I noticed two unauthorized charges on my account, each for XXXXXXXX XXXX XXXX ( approximately USD XXXX ), processed through XXXX. I have never transacted in XXXX XXXXXXXX and have no history of XXXX charges at this scale. I have been a PayPal customer for many years and had never previously filed a dispute. Immediately after seeing the charges, I locked the card. Shortly after locking it, two further unauthorized transaction attempts were made on the same card one at a library and one at a university online portal. Neither merchant has any connection to my spending pattern. This sequence ( foreign-currency charge followed by rapid attempts at unrelated merchants ) is a textbook signature of a compromised card being tested. I filed an unauthorized transaction case with PayPal. PayPal denied the claim with a templated message stating the transactions were " consistent with my PayPal transaction history '' a determination that is not credible given I have never transacted in XXXX XXXXXXXX or used XXXX at this scale. I submitted a detailed written appeal documenting the facts above, citing PayPal 's obligations under Regulation E ( 12 CFR Part 1005 ) and XXXX XXXX XXXX, and formally requesting copies of the documents PayPal used in its investigation ( which PayPal 's own decision letter explicitly offered to provide on request ). PayPal responded with a one-paragraph templated reply stating only that they " didn't find enough evidence '' to support the claim. No documents were provided, no specific evidence was cited, and no point in my appeal was addressed. I sent a second appeal explicitly citing Regulation E 's requirements for a good-faith investigation, written explanation of denial, and production of investigation documents on request, along with XXXX XXXX Liability obligations . I again requested the documents and a substantive response. PayPal replied with an identical templated message same wording, different agent name once again providing no documents, no reasoning, and no engagement with the evidence presented. PayPal has failed to conduct a good-faith investigation, failed to provide a written explanation of its denial, and failed to produce the investigation documents it explicitly offered and that I have now requested in writing three times. The disputed funds have not been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I submitted a dispute through the credit reporting agencies. The company responded by 'verifying ' the debt, but they have failed to provide a copy of the original signed contract or a detailed breakdown of the charges as requested in the dispute. I am now contacting the CFPB because the company is reporting unverified debt without proof of a signed agreement. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 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: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
I am filing a complaint regarding unauthorized credit card transactions that Gemini declined to reimburse. Two transactions were made at XXXX : {$670.00} on XX/XX/year> {$580.00} on XX/XX/year> I did not authorize these transactions. I have never used or had any relationship with this merchant. I did not place any orders and did not receive any goods. I identified the charges immediately and reported them to Gemini as fraud the same day. I locked and cancelled the card immediately after seeing the fraudulent transactions. Gemini initially applied a provisional credit, but later reversed it and denied my fraud claim in favor of the merchant. I requested the evidence used to support this decision, including authentication method ( 3D Secure/OTP ), IP/device data, and delivery confirmation. This information has not been meaningfully provided or does not demonstrate that I authorized the transactions. I have taken additional steps to support my claim : Filed a fraud report with XXXX authorities ( reference available ) Provided evidence of my location before and after the transactions Contacted the merchant directly Despite this, Gemini has not demonstrated valid authorization or that goods were delivered to me. I have requested that Gemini : Reopen the fraud investigation Provide full evidence supporting their decision Reverse the charges and restore the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
So heres whats going on National debt made a settlement with XXXX through XXXX XXXX XXXX. It was a 12-month payment plan, pretty straightforward. National debt made the first payment as planed Now the issue is the lawyer handling it is saying that XXXX never received that first payment out of the 12, which killed the deal. But thats not true at all. I actually have proof that the check was cashed. Not just sentcashed. Ive already sent them copies of the check showing it cleared, but theyre still insisting the payment was never received. It doesnt make any sense, because if the check was cashed, then obviously someone got it. At this point, its just frustrating because we done our part and even provided proof, but theyre not acknowledging it. Im tried to get them to actually look into it to properly fix their records, but they still insist that it was never received. I dont want this turning into a bigger issue when it shouldnt be one. I have all documents to back my statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These inquiries were made without my consent and appear to be unauthorized. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY

Complaint narrative:
I am submitting a complaint regarding unexpected and inadequately disclosed account fee changes by Wells Fargo. I have maintained this account for over 14 years and have consistently kept the required minimum balance of {$500.00} to avoid monthly service fees. I was never previously charged any service fees. Apparently in XX/XX/XXXX, the bank increased the minimum balance requirement from {$500.00} to {$1500.00} and raised the monthly service fee from {$10.00} to {$15.00}. I did not receive any clear or direct notification of these changes. As I currently reside in XXXX and rarely use this account, I was not actively monitoring it and only became aware of the changes after several months, at which point multiple service fees had already been charged. As soon as I discovered the issue at XX/XX/XXXX I immediately adjusted my account balance to meet the new requirement. I contacted customer service and requested a refund of the fees, but was only provided reimbursement for two months. I was informed that, due to internal policy, they could not reverse additional charges. I believe this is unfair. Significant changes to account termsespecially those that result in financial penaltiesshould be clearly communicated and acknowledged by customers. As a long-standing customer with a strong history of maintaining my account properly, I would have complied immediately had I been properly informed. I am requesting that all service fees charged as a result of this undisclosed policy change be fully refunded. Additionally, I ask that the bank review its notification practices to ensure customers are properly informed of material changes to their accounts. Regards

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 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : FCRA 1681c-2 Request for Block of Inaccurate / Prohibited Information To Whom It May Concern, I am writing pursuant to 15 U.S.C. 1681c-2 ( a ) of the Fair Credit Reporting Act to dispute and request the immediate blocking of the following information currently appearing on my TransUnion consumer report. The account ( s ) listed below contain information that is inaccurate, unverifiable, and/or prohibited from reporting. Items to Be Blocked XXXX XXXX-ACCT # XXXXCHARGE OFF- XXXX XXXX-ACCT # XXXX-CHARGE OFF- XXXX XXXX # XXXXCHARGE OFF XXXX XXXXACCT # XXXXCHARGE OFF- XXXX XXXX XXXX-ACCT # XXXXCHARGE OFF- XXXX XXXX XXXXACCT # XXXX-CLOSED- $ XXXX XXXX-ACCT # XXXXCHARGE OFF- $ XXXXXXXX XXXX-ACCT # XXXXCHARGE OFF- $ XXXX XXXX-ACCT # XXXXCHARGE OFF- $ XXXX XXXX XXXX-ACCT # XXXXPAST DUE 120 DAYS- $ XXXX XXXX XXXX-ACCT # XXXXCHARGE OFF- $ XXXXXXXX XXXX XXXXACCT # XXXXCHARGE OFF- XXXX XXXX XXXX XXXXACCT # XXXXCHARGE OFF- XXXX XXXX-ACCT # XXXXCLOSED- XXXX XXXX XXXX-ACCT # XXXXCHARGE OFF- {$30000.00} XXXX XXXX XXXX-ACCT # XXXX-CLOSED- {$37000.00} Under FCRA 1681c-2, TransUnion is required to block reporting of information that results from inaccuracies or can not be properly verified. Please conduct the required review and remove or block these items from my consumer report. If you determine that any of the above information will not be blocked, please provide written documentation of the method of verification as required by 15 U.S.C. 1681i ( a ) ( 6 ). Thank you for your prompt attention to this matter.

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 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal complaint against your company regarding the above-referenced account. You are currently reporting this account as a retail debt. This classification is inaccurate, misleading, and has not been properly substantiated. The misrepresentation of the nature of an account is a direct violation of federal consumer protection laws governing credit reporting and debt collection practices. Your company, as a debt buyer, has a legal obligation to ensure that all furnished information is accurate, complete, and verifiable. At this time, I have not been provided with any competent evidence that supports : The legal classification of this account as retail debt Your lawful ownership and assignment of this alleged debt The original agreement establishing the terms of the account The accuracy and completeness of the reported account history As a result, your continued reporting constitutes the furnishing of inaccurate and misleading information. Your actions appear to be in violation of, but not limited to : Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i Failure to conduct a reasonable investigation of disputed information 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known or that should be known to be inaccurate 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate upon notice of dispute Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e False, deceptive, or misleading representation of the character or legal status of a debt 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of any debt 15 U.S.C. 1692f Use of unfair or unconscionable means to collect or attempt to collect a debt 15 U.S.C. 1692g Failure to provide proper validation of debt By misclassifying this account and failing to provide verifiable documentation, your company is engaging in deceptive reporting practices that negatively impact my creditworthiness. This is not a request this is a formal notice of noncompliance. You are hereby required to : Immediately cease reporting this account inaccurately, and Provide documented proof supporting the classification and full validation of this debt, or Permanently delete this account from all consumer reporting agencies Failure to comply will result in immediate escalation of this matter to the Consumer Financial Protection Bureau, my State Attorney General, and potential legal action for willful noncompliance under federal law. I am maintaining a complete record of this matter and am prepared to pursue all available remedies. You have 15 days to respond to this complaint. Sincerely,

Company response to consumer: Untimely response
Consumer complaint received 2026-05-04 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: TX

Complaint narrative:
I previously submitted a dispute with Chase regarding one or more transactions on my credit card account that I believed were incorrect or unauthorized. Chase conducted a review and denied the dispute. Chases written response stated only that the transaction is valid and that the matter was researched thoroughly. The response did not provide any meaningful explanation of the investigation process, evidence reviewed, merchant response information, or reasoning used to reach the determination. As a result, I was not provided with a substantive explanation of the decision beyond a conclusory statement. After I requested that Chase stop contacting me by phone and to communicate in writing only, I continued to receive repeated phone calls, including calls placed during overnight hours while I was traveling internationally in XXXX ( approximately XXXX XXXX local time ). Following the dispute outcome, the previously disputed charges were added back to my account balance, increasing my balance significantly from approximately {$5000.00} to approximately {$11000.00}. This increase substantially raised my minimum monthly payment and created financial strain, which contributed to missed payments. Chase subsequently closed my credit card account and cited payment history that occurred after the balance increase as justification for closure, resulting in further negative impact to my credit profile. This complaint is not a request to re-litigate the underlying transaction dispute, but a complaint regarding ( 1 ) the lack of a meaningful explanation of Chases dispute determination, ( 2 ) continued unwanted phone contact after I requested written-only communication, and ( 3 ) the downstream financial and credit consequences resulting from how the dispute and resulting balance adjustment were handled.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M1 Holdings Inc.
State: AL

Complaint narrative:
XXXX XXXX started there investigation of 72 fraudulent transactions on XX/XX/year> that's not counting the fees then they sent me email 15 days later not 10 day provisional credit like the regulation-E says but 15 and the emails read they had closed the cases and I should be pleased ill recieve a check for {$410000.00} XXXX is being put in my account then XXXX minutes later they closed my account so I called and got them on recording saying they are mailing me the previous amount I just told u by first class mail I should recieve it between 7-10 days it's been 8 days Tuesday will be 10 so if I don't receive my check like they said what are my next steps.I choose m1 XXXX from your choices but XXXX is a bank set up through XXXX XXXX if i choose wrong im sorry I can't get into my closed account to give u my account number i gave it u on previous forms thank. U and XXXX bless you.

Company response to consumer: Closed with explanation