vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have never had a relationship with Paypal.com or had an account. However, it seems someone had created a paypal account without my consent using my email address and it got subsequently suspended/ terminated by Paypal. For whatever reason, paypal is not letting me be able to use this account or be able to create a new account given my social security number was used. Upon unlocking the account, it showed that I was permnanently limited and not able to use PayPal 's products or services. It also seems like this account was opened when I was a minor ( under the age of XXXX ). I'm formally requesting PayPal to reinstate my privileges, as I never consented to using PayPal previously. This account was opened without my consent and I do not want to be permanently limited for this. Please fix this issue. the email address involved is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One has charged numerous fees and extremely high interest that has already been stated legally that is illegal. I've told capital one my banking card was compromised an I was having my banking audit and investigation. I advised them I could not make double payments that was stolen from me. They continued to report on my credit report with illegal fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
My account was closed on XX/XX/year> with a balance of over {$4500.00}. I was told I am not eligible for a refund with no explanation. I am requesting immediate return of my funds or a detailed legal reason for withholding them. I called and emailed Chime and they gave me no reason for cancellation and now solution as to retrieving the funds in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
To Whom It May Concern : This letter serves as a formal dispute and demand for permanent deletion pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). I previously disputed multiple accounts appearing on my TransUnion credit file. TransUnion has continued to report adverse data without providing competent evidence of proper verification, in violation of 15 U.S.C. 1681e ( b ) and 1681i ( a ). DISPUTED ITEMS INCLUDE BUT ARE NOT LIMITED TO : XXXX XXXX Charged Off XXXX XXXXXXXX XXXX Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX LEGAL VIOLATIONS IDENTIFIED Failure to Conduct a Reasonable Reinvestigation 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Automated e-OSCAR responses or furnisher affirmations do not meet statutory reinvestigation requirements. Reporting Unverifiable Information 15 U.S.C. 1681e ( b ) You are required to maintain maximum possible accuracy, not assumptions. Metro 2 Non-Compliance Inconsistent payment history Missing Date of First Delinquency Improper charge-off reporting while balances remain Inaccurate past-due amounts after charge-off Failure to Mark Items as Disputed Properly 15 U.S.C. 1681c ( f ) DEMAND Because TransUnion can not lawfully continue reporting unverifiable data, I demand : Immediate permanent deletion of all disputed accounts Written confirmation of deletion Disclosure of the method of verification, including : Name of furnisher Contact information Description of documents relied upon ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Failure to comply will leave me no option but to pursue regulatory complaints and civil remedies, including statutory damages under 1681n and 1681o. This is not a request. This is a formal legal demand. Sincerely, XXXX XXXX XXXX

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 2026-03-19 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 am submitting this complaint regarding inaccurate and/or unverified information being reported on my consumer credit file by the above-referenced collection agency. I dispute the validity of this alleged debt. Despite prior notice of my dispute, the collection agency has continued to report this account without providing sufficient verification as required under federal law. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies are required to report accurate and complete information. Additionally, upon receiving notice of a dispute, they must conduct a reasonable investigation and correct or delete any information found to be inaccurate, incomplete, or unverifiable. Furthermore, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, a debt collector must provide proper validation of the debt upon request. To date, I have not received adequate documentation establishing : - The original creditor - The full amount of the alleged debt - Proof that I am legally obligated to pay this debt - Verification that the collector has the authority to collect on this account The continued reporting of this account without proper validation constitutes the reporting of unverified and potentially inaccurate information, which is a violation of federal law. As a result, I am requesting the following : 1. Immediate deletion of this account from all credit reporting agencies 2. A full investigation into the reporting practices of this collection agency 3. Written confirmation that this matter has been resolved If the collection agency can not provide proper validation and documentation as required by law, they must cease reporting this account and remove it entirely from my credit profile. I expect this matter to be handled promptly in accordance with applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX submitting a formal complaint regarding this fraudulent account that have been reported on my credit file. I have multiple accounts honestly, and these accounts were not opened by me, and I have never authorized any transactions associated with them. They are clearly cases of identity theft. I believe this account is fraudulent and the result of identity theft due to unauthorized access or misuse of my personal information. I am a victim of a known data breach and XXXX XXXX and I did not engage in any transaction that would create this debt. I request investigation and deletion of this account from my credit report under the Fair Credit Reporting Act. I am enclosing documentation supporting my identity theft claim Despite disputing these accounts directly with the lenders and collection agencies, they have refused to remove the fraudulent entries. This is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that : 1. All information reported to consumer reporting agencies must be accurate and verifiable. XXXX. Consumer reporting agencies must investigate disputes within XXXX days of receiving notice from a consumer regarding inaccurate information. XXXX. Any information that can not be verified as accurate must be removed from the credit report.

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 2026-03-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
I am disputing a collection account reported by IQ Data International in the amount of {$1500.00} related to a former apartment lease. This account is inaccurate and appears to be based on inconsistent and unverifiable information. My lease ended on XX/XX/year>, and I vacated the unit and returned possession on that date. However, the account is being reported with a different move out timeline, including a XX/XX/year> date, which does not align with my lease or actual move out. The property previously demonstrated inaccurate record keeping when it initially recorded an incorrect move in date and attempted to charge me prorated rent based on that error. Although this issue was later corrected, it establishes a pattern of inconsistent record keeping. Additionally, the property acknowledged that my move out date needed to be corrected and stated that a revised move out statement would be issued. However, this correction does not appear to have been properly reflected in the balance now being reported. The collection balance also appears to include accelerated rent based on a claimed XXXX day notice requirement. I have not been provided with any documentation demonstrating that I agreed to a XXXX day notice or that this charge is valid. I disputed this account through the credit bureau, and it was verified without any supporting documentation being provided to me. I have since requested validation of this debt, including a copy of the lease agreement with my signature, an itemized statement of charges, proof of the move out date used to assess charges, and documentation supporting any accelerated rent or additional fees. This information has not been provided. Due to the inconsistencies in reported dates, the prior acknowledged errors, and the lack of supporting documentation, this debt is not valid or legally owed and is not properly verified. I am requesting that IQ Data International provide complete documentation supporting this debt, including the lease agreement with my signature and a full itemization of charges, or delete the account entirely if it can not be properly validated. Continuing to report this account without proper validation may constitute a violation of the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I used to be a customer of wells fargo when I was a teenager. Around XXXX, Wells Fargo closed my teen checking account for allegedly misusing the dispute mechanism. I was XXXX at the time. Since then, I have received multiple settlements from Wells Fargo related to the misuse of my personal information in opening 'ghost accounts ', as well as Wells Fargo admitting in XXXX that my account was closed in error. Regardless, I have tried to reestablish a relationship with Wells Fargo multiple times, but continue to be unable to open an account. Given Wells Fargo has already admitted my account was closed in error, and this situation occurred when I was a XXXX I want Wells Fargo to reinstate me to be able to open an account again.

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 2026-03-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am submitting this complaint regarding an ongoing issue with my Wells Fargo XXXX XXXX XXXX account that has not been resolved despite multiple attempts to correct it. Each time I receive a bank statement in the mail, my name is listed incorrectly as XXXX XXXX XXXX XXXX. This is not my correct legal name. The correct name should appear as XXXX XXXX, XXXX, including the proper spelling and designation. I have contacted Wells Fargo numerous times to have this error corrected. Despite my repeated efforts, the issue has not been fixed, and I continue to receive official account documents with the incorrect name. This raises concerns about accuracy, recordkeeping, and potential future complications related to my account. I am requesting that Wells Fargo immediately correct my name on all account records and ensure that all future correspondence reflects the accurate name. Additionally, I would like confirmation once this correction has been completed. Thank you for your attention to this matter. Sincerely, XXXX XXXX, XXXX

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 2026-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding a collection account that is currently being reported on my credit report that I believe to be inaccurate and improperly validated. A collection account from Credence Resource mana in the amount of {$680.00} is currently appearing on my credit report. I dispute the accuracy and validity of this alleged debt and request proper investigation and validation. Under 15 U.S.C.XX/XX/XXXXg of the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is required to provide proper validation of an alleged debt upon request. To date, I have not received sufficient documentation verifying this debt, such as a signed contract, original account statements, or documentation proving I am legally responsible for the alleged obligation. Additionally, under 15 U.S.C. XX/XX/XXXXc, debt collectors must comply with consumer protections regarding communication and collection practices. Furthermore, under 15 U.S.C. XX/XX/XXXX ( b ) of the Fair Credit Reporting Act ( FCRA ), any entity furnishing or reporting information to consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information reported. Reporting a collection account without proper verification raises serious concerns about the accuracy of this reporting. Additionally, under 15 U.S.C. XX/XX/XXXXi of the Fair Credit Reporting Act, consumer reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information on their credit report. The continued reporting of this account without proper verification and documentation is negatively impacting my credit profile and may constitute violations of federal consumer protection laws. Therefore, I am requesting the following resolution : XXXX. A full investigation into the accuracy and validity of this collection account. XXXX. Complete validation of the alleged debt as required under 15 U.S.C. XX/XX/XXXXg. XXXX. Documentation showing the reasonable procedures used to ensure maximum possible accuracy under 15 U.S.C.XX/XX/XXXX ( b ). XXXX. A reasonable reinvestigation of the disputed account as required under 15 U.S.C. XX/XX/XXXXi. XXXX. Immediate deletion of this collection account from all consumer reporting agencies if the debt can not be properly verified and validated. If the company can not provide sufficient documentation proving the validity and accuracy of this alleged debt, I request that the account be removed from my credit report immediately and that all credit reporting agencies be notified of the correction. Thank you for your assistance in protecting my consumer rights and ensuring compliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I had a 48 month promotion 0 % for a lawnmower I also had a 12 month promotion 0 % for a XXXX safe for {$710.00} and a 12 month promotion 0 % for a credit card rollover for {$1200.00}. I called on XXXX XXXX and I was told that if I sent the payment it would be allocated two pay off both 12 month promotions but then said I would have to make a regular payment first even though it wasn't due till XXXX and had already made a payment of {$180.00} in XX/XX/XXXX. Once they received payment they would not allocate it to the 12 month rollover, so they said the 48 month would have to be paid off before I asked how would I be able to pay the 12 month rollover in time they said they would forgive the interest. I filled a dispute and after a week or so and me paying the 48 month almost off so I could then make payments to the 12 month rollover they send me {$1200.00} to my account on XX/XX/XXXX and I sent it back to them the same day and they are showing I owe XXXX on the 48 month now instead of {$300.00} and something and the rollover is now almost paid off.

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 monetary relief
Consumer complaint received 2026-03-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received an email notification that the company Wells Fargo was unable to verify information. I received a notification for both my maiden name XXXX and married name from first marriage ( XXXX ). This wasnt me. I havent requested any accounts to be opened with Wells Fargo at any point during the last few days.

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 2026-03-19 00:00:00
Product: Mortgage — Conventional home 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: Aspen Yo LLC
State: WA

Complaint narrative:
XXXX XXXX The Collection of Funds from a Vulnerable Adult for Debt is a violation of XXXX Law. The loan amount has been paid. The remaining balance is a scam by Gregory Funding collecting payments of interest and late fees from my XXXX XXXX son. He provided his bank account card information to your representative and has been having his entire bank account taken for the past few years now. He receives approximately {$2200.00} each month from XXXX XXXX XXXX and each month his monthly payments to Gregory Funding and XXXX. Please review this law XXXX XXXX The Collection of Funds from a Vulnerable Adult for Debt is a violation of XXXX Law.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
In XX/XX/year> I filed a complaint against XXXX and XXXX for sending me a duplicate order of printer and product care plans. and withdrawing a large sum of money from my bank account without my permission. I had some valid refunds. The money was returned to my bank account and they insisted I owed them. Little did I know they colluded with XXXXXXXX XXXX to charge my credit card for those items and XXXX refused to let me return them and thats not standard. I was forced into it. XXXXXXXX XXXX backdated the purchase to XXXX and begin charging me for it in building fraudulent charges into my future credit card statements to hide it so fraud was covered up by more fraud. PayPal got the money for me through instant transfer due to the fact it looked like they put extra money in my account. They got their money from my XXXX credit card without my knowledge which caused me to have to pay for these items more than twice because some of them were already paid for. I didnt even want two printers. I was forced into that and not allowed to return them. Then when I finally break down and open one app, it was already out of warranty because it was used so thats a double whammy. I also noticed sporadic instant transfers to PayPal throughout my account that werent authorized at XXXXXXXX XXXX I dont pay for my purchases with my debit card and I dont do instant transfers and I see Statement that just says General credit card deposit so I think I was being charged for a lot of air as well, because it didnt list the merchant or which credit card was used

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I am submitting this complaint regarding an attempt by XXXX to collect payment for services that were never provided. At the time the charges were originally billed, I disputed them directly with XXXX due to a complete lack of service. XXXX acknowledged that the service was not being provided and advised that a representative would follow up with me to resolve the issue. Despite multiple attempts on my part to obtain that followup, XXXX never contacted me again and never provided the service in question. Based on XXXX acknowledgment of the service failure and its commitment to follow up, I reasonably understood the matter to be unresolved but not valid for collection. No service was ever delivered, and no resolution discussion ever occurred despite my efforts. Now, approximately XXXX years later, XXXX or a third party acting on its behalf is attempting to collect on these same charges. This is for a service that was never provided and for which XXXX previously acknowledged a failure to perform. I dispute the validity of this alleged debt in its entirety. Attempting to collect payment for nonexistent services after such a prolonged period, particularly following XXXX acknowledgment of nonperformance and failure to follow up, is unfair and improper.

Company response to consumer: Closed with explanation