vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Date : XX/XX/year> Subject : Formal Complaint Against PayPal for Improper Handling of Chargeback and Refund Process Dear Sir/Madam, I am writing to file a formal complaint regarding PayPals handling of a chargeback that occurred on a transaction between myself ( XXXX XXXX ) and XXXX XXXX . 
On XX/XX/year>, I issued an invoice for {$200.00}, which was paid by XXXX XXXX through PayPal. On XX/XX/year>, XXXX XXXX filed a chargeback with her financial institution, XXXX XXXX, and requested that the payment be reversed. 
Timeline of Events : XX/XX/year> : XXXX XXXX files a chargeback with XXXX XXXX. 
XX/XX/year> : PayPal places a hold on the {$200.00} payment in my account. 
XX/XX/year> : PayPal releases the hold and confirms that the funds are available in my PayPal balance. 
XX/XX/year> : PayPal unexpectedly redebits the {$200.00} from my PayPal balance and imposes a {$15.00} chargeback fee despite their prior communication stating that no further action would be taken until the dispute was resolved. 
XX/XX/year> : XXXX XXXX confirmed that the dispute was closed in my favor and that no further action would be taken regarding the {$200.00} payment.

I am seeking immediate rectification of this matter, including : The reinstatement of the {$200.00} that PayPal re-debited from my account.

The reversal of the {$15.00} chargeback fee that was incorrectly applied.

A full review of PayPal 's actions regarding my account and the handling of this dispute.

Please let me know if any further information or documentation is required. You can reach me at my email address, XXXX, or by phone at XXXX. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — FHA 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: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding AMERIHOME / SERVICEMAC reporting 30- and 60-day delinquencies during a period in which I was actively enrolled in a mortgage assistance/loss mitigation process.

I was explicitly informed that no late payments would be reported to the credit bureaus while my mortgage assistance application was under review. Despite this representation, the account is now reporting : 60 days late ( XX/XX/year> ) 30 days late ( XX/XX/year> ) This reporting directly contradicts the information provided to me and has caused significant damage to my credit profile.

If my account was under active loss mitigation review or forbearance protection, reporting delinquency during that protected period may constitute improper servicing and inaccurate reporting.

I demand : 1. Written confirmation of my loss mitigation review dates 2. Documentation of the specific agreement terms regarding credit reporting 3. A full payment ledger showing how delinquency was calculated 4. An explanation of why delinquency was reported despite representations that it would not be

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
CFPB Complaint Update Wells Fargo Withholding Refund Check CFPB Case Number : XXXX Original Complaint Submitted : XX/XX/XXXX I am submitting this complaint update regarding Wells Fargos continued delay in issuing my refund check.

After my CFPB complaint was submitted on XX/XX/XXXX, Wells Fargo closed multiple disputes in my favor and confirmed the temporary credits are now permanent.

The permanently closed disputes are : Dispute # XXXX Date Posted : XX/XX/XXXX Amount : {$4100.00} Closed XX/XX/XXXX Credit Permanent Dispute # XXXX Date Posted : XX/XX/XXXX Amount : {$1200.00} Closed XX/XX/XXXX Credit Permanent Dispute # XXXX Date Posted : XX/XX/XXXX Amount : {$5800.00} Closed XX/XX/XXXX Credit Permanent Dispute # XXXX Date Posted : XX/XX/XXXX Amount : {$5800.00} Closed XX/XX/XXXX Credit Permanent Dispute # XXXX Date Posted : XX/XX/XXXX Amount : {$5100.00} Closed XX/XX/XXXX Credit Permanent Total permanently closed amount : {$22000.00} The only remaining open dispute is : Dispute # XXXX Date Posted : XX/XX/XXXX Amount : {$270.00} Status : Merchant Contacted ( 2nd Attempt ) as of XX/XX/XXXX Wells Fargo is refusing to issue my refund check for the permanently closed disputes totaling {$22000.00} until the final {$270.00} dispute is resolved.

This is improper and unreasonable. The permanently closed disputes represent the overwhelming majority of the funds owed to me. The bank is withholding over {$22000.00} due to a small remaining {$270.00} dispute.

Additionally, I was informed by a Wells Fargo representative that if the final dispute process takes up to 90 days, I could lose my money. I was never properly informed of such rules in writing.

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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Conduent Incorporated
State: NY

Complaint narrative:
I received my Way2go card from unemployment benefits, I followed the instructions, but there is no money on it. I have XXXX children to care for and I am in need of the funds. I called several times and days, but there is not a live representative who can assist me. Its frustrating. Could you please assist with this presenting issue? 

Thank you so much for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: PA

Complaint narrative:
A person without my knowledge sent themselves an authorized payment while briefly handling my phone to type in their information, when I disputed this payment Cash App told me that it was an authorized payment because I was driving while they did this and they were able to catch my face for the payment while I without my knowledge, this person DID NOT HAVE MY PERMISSION TO MAKE THIS PAYMENT and was only to type their id name in so I could send them {$10.00} they processed a {$190.00} UNAUTHORIZED payment while in possession of my phone. I am only disputing the {$190.00} payment as the {$10.00} payment immediately following was authorized the payments were made to XXXX XXXX XX/XX/year> at XXXX XXXX TRANSACTION ID # XXXX. I disputed twice and informed them that it was not authorized and they will not refund it despite being able to debit the balance from the recipient 's wallet

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This is an improper framework to be dismissed and exploited while a lot of rules are broken because of remissness and the genuineness of not overview what's going on in a serious way. Has caused Monetary injury and investigation of character nearby something like XXXX days of no reaction. 

Please Remove/ Deleted the following Items. 
XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : $ XXXX Collection XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX FOURSIGHT CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2026-02-17 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: Paypal Holdings, Inc

Complaint narrative:
Complaint Against : PayPal , Inc . 

I am filing this complaint regarding PayPals continued withholding of funds from my account beyond the stated XXXX-day holding period, without providing a written resolution or justification. 

My PayPal account was permanently limited over XXXX year ago. According to PayPals own policy, funds may be held for up to XXXX days to cover potential disputes, chargebacks, or liabilities. This holding period has long since elapsed. 

Despite making repeated efforts to resolve this matter through PayPals customer support and escalation channels, I am consistently informed that I am not eligible to withdraw my funds. However, PayPal has refused to provide any written confirmation stating whether the funds are permanently forfeited or the legal or policy-based authority under which they continue to be withheld. 

Account details are as follows : * Account holder : XXXX XXXX * Account email : [ XXXX ] * Amount held : USD XXXX * Time since limitation : Over XXXX year * Written resolution provided : None * Address : XXXX XXXX XXXX, XXXX, XXXX I am requesting that PayPal either release the held funds immediately or provide a clear written justification citing the specific policy, contractual clause, or regulatory authority supporting the permanent withholding of these funds. 

This complaint is submitted in good faith after exhausting all reasonable internal resolution options. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my 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 2026-02-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2026-02-17 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:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MO

Complaint narrative:
On XXXX XXXX i received an alert on my phone from Chime saying that a purchase in the amount of {$270.00} was made. I didn't make it so I immediately contacted Chime. They said they would get in contact with the merchant and told me to call back when the purchase wasn't pending. I called back the next day and filed a dispute. This morning I received a response saying my dispute was denied. I tried contacting the merchant ( XXXX XXXX XXXX ) and they said it was nothing I they could do without a order number or receipt which I don't have neither. All I have is the {$270.00} deducted from my account. I am a convicted felony so there is no way I would buy anything from this merchant. It's a firearm store in South Carolina and I'm located in XXXX XXXX Missouri.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/XXXX i started a loan with affirm buy now pay later. The loan id is XXXX I got two items from XXXX on this loan I was unhappy with my purchase so I returned both items on XX/XX/XXXX XXXX initiated the return for both items for the amounts of XXXX and XXXX going back to the mastered ending in XXXX. They issued the refund on XX/XX/XXXX and sent another notification on XX/XX/XXXX saying the the refund was credited back to the card I used which was from affirm. I reached out to an affirm customer service agent and they said they didnt receive anything I have documentation of XXXX sending the funds back. Affirm needs to do better and send my money back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Cliff's Finance Co., Inc.
State: TX

Complaint narrative:
I never had a loan with Cliff check cashing place ever I went inside the store to get a money order for my mortgage payment. They proceeded to ask have I ever use cliffs before and I told him no she asked for my ID and then she said Im going to merge your accounts. I said I never had an account with you guys before I asked her to show me the paperwork show me the where the loan has my name on it and so they couldnt provide it, but they kept my money and told me that I need to file a report which this has affected my livelihood Ive never gave anyone permission to use my name. Ive never opened a loan with Cliff check cashing before this has been a great deal of grief for me and my family. Because of this, I was unable to pay my mortgage and now Im facing foreclosure. This needs to be resolved. I pray that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ Synovus Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Synovus Bank, Subject : Request for Removal of Late Payments - Violation of Fair Credit Reporting Act I am writing to formally address a matter regarding my credit report associated with my account [ XXXX XXXX XXXX ]. It has come to my attention that certain late payments have been reported, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). 

According to Section 602 of the FCRA ( 15 U.S.C. 1681 ), consumers have the right to accurate and fair credit reporting. Furthermore, Section 604 ( a ) ( 15 U.S.C. 1681b ) stipulates that a consumer reporting agency may furnish a consumer report only for certain permissible purposes, ensuring that consumers are protected against inaccuracies. Additionally, Section 606 ( b ) ( 15 U.S.C. 1681c ) outlines the necessity for completeness and accuracy in reporting.

Given these provisions, I respectfully request the removal of all late payments associated with my account. I believe these entries are inaccurate and do not reflect my payment history correctly.

Please investigate this matter and take the necessary steps to correct my credit report accordingly. I look forward to your prompt attention to this issue and expect to hear back from you within 30 days as mandated by the FCRA.

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This access to my credit report was not authorized by me under any circumstance.

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 2026-02-17 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I was promised a way to save my home and and property. But instead I was charged more than what I was paying before I got behind. I was led to believe I was be able to keep my home and vehicles. There were hidden fees and false representation!

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 2026-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Maximus Federal Services, Inc.
State: PR

Complaint narrative:
I have been working but the amount that i get paid doesnt get to paid the loan! I want to start paid the loan by XXXX of this Year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ragan & Ragan, P.C.
State: GA

Complaint narrative:
On XXXX XXXX I requested a 1099-c and a payment ledger with receipt of payment that had been made towards the debt to no avail then on XXXX XXXX the head attorney threatened to go back on payment arrangements that had been made and also was hostile in email messages as of date I still have not received a payment ledger nor a 1099c. The payments I have made and their numbers do not match and once I showed proof of payments tried to insist I pay original or amount that is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I never received this service and I called to see why I owed XXXX was not mine so they looked and was wrong so they tried to remove it but it had went to collections already so they send me this email info to fill this out.but on this bill its XXXX are XXXX dollars so I dont know the amount it really is.but I need it removed from my credit report ASAP im trying to buy home and need it off now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
Recently Ive had car troubles and my credit card company FIT Mastercard decided they are just going to take it upon themselves to submit a payment that I had not authorized and yes I was going to be late but I dont have any money right now and they have overdrafted my account without my permission or without me setting up or having auto pay. I think that should be illegal. No credit card company should just go into my account and take money that I didnt set up nor authorized.

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