vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing this complaint regarding the deduction of {$1000.00} USD from my PayPal account under the label PayPal Loss Recovery on XX/XX/year>. My account was previously limited for XXXX days. After the holding period ended, instead of releasing my funds, PayPal permanently deducted the full balance without providing any clear explanation, supporting documentation, or evidence of actual financial loss. I have made multiple attempts to obtain clarification from PayPal, specifically requesting : An itemized breakdown of the alleged losses Case IDs, dispute records, or transaction references A clear explanation of how the amount of {$1000.00} was calculated PayPal has failed to provide any of the above. I escalated this matter through the XXXX XXXX XXXX. However, PayPal responded multiple times with identical template replies stating that the issue falls outside their jurisdiction, without addressing the deduction or providing any supporting evidence. This response is not sufficient. The deduction was executed directly by PayPal, and therefore PayPal remains responsible for providing a clear, evidence-based justification regardless of jurisdictional claims. To date, I have not been presented with any verifiable evidence demonstrating that I caused financial loss to PayPal that would justify this deduction. The lack of transparency, absence of documentation, and repeated refusal to provide specific details raise serious concerns regarding fairness and proper handling of consumer funds. I respectfully request : A full and itemized breakdown of the alleged losses Supporting documentation, including any case or dispute references A clear explanation of how the deducted amount was calculated A refund of the {$1000.00} if no valid and documented justification can be provided I am willing to cooperate fully and provide any additional documentation required to facilitate a fair and transparent review. I am seeking a resolution based on clear evidence and proper accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
XXXX Direct Dispute Letter ( Capital One Auto ) Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Date : [ ] To : Capital One Auto Finance Subject : Direct Dispute Under FCRA 623 Inaccurate Reporting To Whom It May Concern, I am writing to formally dispute the accuracy of information you are reporting regarding an automobile account listed under my name. This letter serves as a direct dispute pursuant to Section 623 of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). Account in Question Capital One Auto Account ( As reported on my consumer credit reports ) Basis of Dispute After reviewing my consumer report, I have identified multiple inconsistencies and inaccuracies in the reporting of this account : 1. Improper Continued Late Reporting After Closure The account is reported as closed and charged-off, yet it continues to reflect ongoing delinquency and late payments into XXXX. This is inconsistent with the status of a closed account and appears inaccurate. 2. Inconsistent Payment History The payment history reflects continued delinquency despite a reported last payment date of XX/XX/year>. Please provide documentation supporting the accuracy of each reported late payment following that date. 3. Failure to Provide Adequate Investigation Previous disputes appear to have been resolved without a reasonable investigation, as required under federal law. Request for Investigation & Validation Pursuant to your obligations under the Fair Credit Reporting Act, I request the following : A complete payment history ledger for this account The Date of First Delinquency ( DOFD ) Documentation supporting the charge-off status and balance An explanation for continued late reporting after account closure Copies of any documentation bearing my signature showing liability Notice of Compliance Requirement If you are unable to verify the accuracy of this account and all associated reporting, you are required to : Correct the inaccurate information, or Delete the account entirely from all consumer reporting agencies Failure to comply with the investigation and accuracy requirements may constitute a violation of federal law. Communication Notice I request that all correspondence regarding this matter be conducted in writing only to the address listed above. This account has been sold/transferred. Please update the balance to {$0.00} and reflect accurate reporting, or delete due to inconsistencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Sunlight Financial LLC
State: WI

Complaint narrative:
I am submitting this complaint to report deceptive and fraudulent home improvement practices by a solar installation contractor, which resulted in an unauthorized loan being created in my name through Sunlight Financial ( Loan # XXXX ). A representative of XXXX XXXXXXXX XXXX XXXXXXXX, identified as XXXX, came to my home and presented the solar project as a government-funded or government-backed program. This was false and materially misleading. During the visit, he controlled the entire process on a tablet. I was not provided with any physical contract, nor was I given the opportunity to review or understand any loan documents. I did not knowingly authorize or consent to any electronic loan application. Sunlight Financial later produced a document showing an electronic signature and initials under my name. I want to clearly state that I never saw this document at the time it was allegedly signed. The contractor did not show me any loan documents before or after the supposed signing. The electronic signature and initials do not match my real handwritten signature. The contractor controlled the tablet and did not allow me to review anything. I did not knowingly apply any electronic signature, nor did I consent to the use of an electronic signature. Any signature or initials appearing on Sunlight Financials documents were applied without my knowledge, authorization, or informed consent. Because of this, the electronic signature is invalid, and the loan was created through deception, misrepresentation, and unauthorized use of my identity. I later discovered that a loan had been created in my name without my knowledge. When I contacted both the contractor and Sunlight Financial, neither provided documentation proving that I authorized the loan. I have repeatedly requested copies of the contract, disclosures, and proof of authorization, but none have been provided. As a result, I am now facing disputed debt and negative credit reporting for a loan I did not knowingly agree to. I believe this conduct constitutes deceptive trade practices, misrepresentation, and consumer fraud.

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 2026-03-22 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: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint against BMO regarding unauthorized transactions and the banks refusal to properly resolve my dispute. On XX/XX/year>, XXXX unauthorized transactions were made on my account in the amounts of {$530.00} and {$29.00}. I did not authorize, approve, or have any involvement in these transactions. I promptly reported these charges to BMO and filed a dispute under case number XXXX. Despite clearly stating that these transactions were unauthorized, the bank denied my claim and refused to credit my account. I believe BMO failed to conduct a proper investigation into my dispute and did not provide sufficient explanation or evidence to justify denying my claim. Under federal consumer protection laws, I am entitled to protection against unauthorized electronic transactions. I am requesting that BMO : 1. Reopen and properly investigate my dispute 2. Refund the full amount of {$560.00} ( {$530.00} + {$29.00} ) 3. Provide a clear explanation of how they determined these transactions were authorized 4. I request that BMO conduct a thorough fraud investigation including reviewing any available transaction data such as location, IP address, device information, or merchant records that would confirm the transaction. I have acted in good faith and reported the issue promptly. I am seeking a fair resolution and the return of my funds. Thank you for your attention to this matter. XXXX XXXX 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 explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: RI

Complaint narrative:
This company has not provided documentstiin or proof of this alleged debt. Jefferson capital systems llc, {$1300.00} XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased a vehicle from a dealership, and I signed a contract for a total financed amount of {$21000.00}, with a monthly payment of {$500.00} over 72 months. However, I later discovered that a second contract exists for the same vehicle showing a total payment of {$36000.00}, which I never signed or agreed to. The dealership or their financial representative also listed my signature on this second contract without my authorization. This has caused confusion, potential credit reporting issues, and concern over fraudulent handling of my personal information as well as forgery wire fraud. I have attempted to contact the dealership multiple times to resolve the issue, requesting clarification and the correct copy of the contract I signed. Despite my efforts, the issue has not been resolved, and I believe the second contract is a forgery.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: MOHELA
State: FL

Complaint narrative:
I cosigned for daughter in XX/XX/XXXX ( who has also filed ) but did not hear any more about it until XXXX. Daughter completed XXXX school and is still employed in that field. In XXXX, I declared chapter XXXX bankruptcy and legally complete in XXXX. During that time, student loan company told me as cosigner I had to pay. payments of a certain amount came off each month for XXXX years and legally completed in XXXX. Since then, attempting to keep student loan on track, but multiple issues make this process extremely difficult, different pay, different payees, different addresses and communications has been difficult.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I entered repayment in XX/XX/XXXX and later consolidated my loans in XXXX. My current income-driven repayment plan shows a forgiveness date of XXXX, which does not appear to include my full repayment history prior to consolidation. Based on my repayment start date, I believe I should be significantly closer to forgiveness, and I am requesting confirmation that the IDR account adjustment has been fully applied and that all qualifying repayment time since XXXX has been credited correctly. Additionally, I submitted an application for an Income-Based Repayment ( IBR ) plan, and it has not been processed despite multiple attempts to follow up through calls, messages, and emails. I am requesting a full review of my account to ensure my qualifying payment count is accurate and that my repayment plan application is properly processed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I was denied access to my own funds at a JPMorgan Chase branch ( XXXX XXXX XXXX, XXXXXXXX XXXX ) despite successfully completing identity verification and receiving confirmation from Chases Fraud Department that my account was cleared for use. I attempted to withdraw cash for same-day international travel. I presented valid ID, card credentials, and passed all security questions. After approximately XXXX minutes on the phone with the Fraud Department, I was explicitly told that any restrictions had been removed and that I should be able to proceed. Despite this, three tellers and a branch manager were unable to process the withdrawal due to system issues they could not override. I was ultimately denied access to my funds. As a result, I was forced to obtain an emergency personal loan under time pressure, incurring financial cost and significant disruption. Chases written response contains factual inconsistencies, including attributing the issue to mobile device usage and referencing invalid PIN attempts and withdrawal amounts that do not align with my in-branch experience. I am requesting : A clear explanation of the root cause of this failure Correction of inaccurate records related to this incident Appropriate compensation for the preventable denial of access to my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: TX

Complaint narrative:
I am filing a complaint against Upgrade regarding XXXX tradelines furnished and reported on TransUnion as Sold ; was Charged-off ( Acct XXXX XXXX XXXX and XXXXXXXX XXXX XXXX ). After CRA notice of dispute, furnishers must conduct a reasonable investigation and correct/delete inaccurate/incomplete/unverifiable data under XXXX U.S.C. XXXX ( b ). XXXX : Upgrade Acct XXXXXXXX XXXX XXXX ( XXXX shows dispute processed; consumer disagreed ) Upgrade Acct XXXXXXXX XXXX XXXX ( same dispute/verification context ) Why its wrong/ what must be verified : The sold/charged-off disposition and any associated reporting chronology must be supported by competent business records, including the status dates and the XXXX basis driving obsolescence. Continued furnishing after dispute that leaves ambiguous or unverifiable derogatory data intact indicates an unreasonable investigation. Violations Alleged XXXX U.S.C. XXXX ( b ) failure to reasonably investigate and correct/delete inaccurate or unverifiable information after CRA notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX FOR AMEX CASH PREFERRED BLUE CARD {$300.00} WELCOME BONUS WHEN PURCHAING {$3000.00} IN 6 MONTHS, CALLED TO CHK ON SO FAR STATEMENT OF CASH ACCRUED, WAS TOLD ON XXXX XXXX NOT ELIGIBLE FOR CASH BONUS!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have no recognition of credi card debt and its afffecting my XXXX XXXX Wells Fargo amount {$5400.00}

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 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: BANCO POPULAR DE PUERTO RICO
State: FL

Complaint narrative:
I discovered in XXXX that an auto loan had been opened in my name as a co-borrower without my knowledge or authorization. I did not request this loan, was not present during the origination process, and did not knowingly sign any agreement. I previously reported this matter to Banco Popular and submitted a complaint through the CFPB. In their response dated XX/XX/XXXX, the bank stated that my personal information and a government-issued identification were verified. However, they failed to provide any actual evidence of such verification. Specifically, the bank has not provided a copy of the identification allegedly used, any documentation showing that I was physically present, or any explanation of how my identity or signature was authenticated. The presence of personal information such as my name, date of birth, and Social Security number does not establish authorization. Any documents used to verify income could have been submitted by a third party without my knowledge or consent. The bank has not demonstrated that I personally provided or authorized the use of such documentation. The bank also referenced payment activity from a deposit account, but did not disclose that this was a joint account accessible by another party, which does not establish my consent or participation in the loan. Because Banco Popular has not provided verifiable proof that I authorized this account, I continue to dispute their findings and request that they be required to produce documentation demonstrating how my identity and consent were verified at the time of origination.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am a victim of identity theft and reported multiple fraudulent accounts opened in my name to Affirm. I submitted a formal affidavit along with supporting documentation, including proof of my residence at a different address during the time these loans were opened. Affirm claims that the transactions were authorized and that items were delivered to an address associated with me. However, I did not reside at any of the delivery addresses associated with these transactions. I specifically requested documentation to verify these claims, including : IP address logs Device and browser data Full delivery addresses and proof of delivery Affirm failed to provide any of this documentation and instead relied only on internal matching of personal information such as name, email, and phone number, which is not sufficient proof of authorization in cases of identity theft. Despite providing evidence of my actual residence and disputing these accounts, Affirm denied my claim without conducting a reasonable investigation or providing supporting documentation. I am requesting that these accounts be removed from my credit report and that Affirm provide proper documentation if they intend to continue reporting these debts. This matter is causing harm to my credit and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Waypoint Resource Group, LLC
State: LA

Complaint narrative:
I am disputing an account currently reported by Waypoint XXXX XXXX that was previously handled by XXXX and removed from my credit report in 2025. I do not recognize this account, and I have no documentation showing I owe this debt. XXXX previously verified this account, but Waypoint has not provided any valid, verifiable proof of the debt. Reporting an account that was previously deleted and can not be verified is inaccurate, misleading, and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires that only accurate, verified information may be reported. By continuing to report this account without verification, Waypoint and Equifax are damaging my credit. I request that CFPB investigate this matter and ensure that this account is removed from my credit report immediately unless Waypoint provides full, verifiable documentation of the debt in accordance with FCRA requirements.

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 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Withdrawal Dispute On XX/XX/year>, I attempted to withdraw {$500.00} from a Bank of America ATM using my Capital XXXX debit card. During the transaction, the ATM went out of service, returned my card, and did not dispense cash, yet the amount was debited from my account. XXXX XXXX credited the funds on XX/XX/XXXX while investigating. On XX/XX/XXXX, the credit was reversed after Bank of America disputed it, resulting in a {$470.00} overdraft. I have not received the documentation used in this decision, specifically the ATM reconciliation report, as the machine malfunctioned and no cash was issued.

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