vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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: FL

Complaint narrative:
I am filing a complaint regarding an unauthorized transaction on my PayPal account. An unknown individual associated with the name " XXXX XXXX '' and the email address XXXX initiated a fraudulent charge on my PayPal account ( Transaction ID : XXXX, Amount : {$1800.00} Disputed amount : {$1800.00} Case ID : XXXX XXXX XXXX I have no relationship with this person. There was no sale, no product, no service, and no agreement of any kind between us. I did not authorize this transaction. I opened a dispute through PayPal 's Resolution Center. Despite the transaction being entirely fraudulent and initiated by an unknown party, PayPal resolved the case in the other party 's favor. As a result, my account now carries a negative balance of - {$2.00} for a transaction I never agreed to and never participated in. PayPal failed to protect me as a consumer from a fraudulent charge and then compounded the issue by ruling against me the victim leaving me responsible for a transaction I had no part in. I am requesting that PayPal : 1. Reverse the fraudulent transaction and restore my account balance to {$0.00} 2. Investigate the account associated with XXXX XXXX/ XXXX for fraudulent activity 3. Provide a written explanation of how and why the dispute was resolved in favor of the other party when no legitimate transaction occurred

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-26 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: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: FL

Complaint narrative:
I am disputing this account because it is unfamiliar to me and does not appear to belong to me. I have no knowledge of ever opening or authorizing such an account, and I believe it has been added to my credit report in error. This inaccurate reporting is affecting the integrity of my credit file. I respectfully ask that you carefully review and investigate this matter, including verifying all account details with the original creditor. It is important that only accurate and verifiable information remains on my 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 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am submitting this complaint regarding inaccurate information being reported by Navy Federal Credit Union on my credit report. I submitted a direct dispute to Navy Federal under FCRA 623 ( a ) ( 8 ), disputing the accuracy and validity of multiple accounts that I do not recognize and did not authorize. In my dispute, I clearly requested that the company conduct a reasonable investigation and provide documentation supporting their claim that these accounts belong to me. Despite this, Navy Federal has continued to report the accounts without providing any documentation demonstrating that I authorized or am responsible for them. I have not received a copy of any signed application, agreement, or other records that would establish my liability. This dispute is also related to identity theft. I have no knowledge of these accounts and did not open or authorize them. The continued reporting of these accounts without proper investigation raises serious concerns about the accuracy of the information being furnished. Under FCRA 623 ( b ), Navy Federal is required to conduct a reasonable investigation and review all relevant information provided. Simply confirming the account through internal systems or automated processes does not meet this standard. The failure to provide documentation and the continued reporting of these accounts is inaccurate and is causing harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Benuck & Rainey, Inc.
State: GA

Complaint narrative:
Hi XXXX. Benuck & Rainey , Inc. - Debt Collector. Prescription from XXXX XXXX for medical equipment issued by XXXX, XXXX with account number XXXX re : XXXX, XXXX , File XXXX XXXX XXXX made an error in diagnosing my sons XXXX, initially stating that it was XXXX. However, after seeking a second opinion from a XXXX XXXX, we were informed that his knee was not XXXX. As a result of this misdiagnosis, I was still given medical charges. I have already paid half of the balance, although I do not believe I should be responsible for any of these costs due to the hospitals mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On Saturday XX/XX/year> at XXXX I attempted to do a cash deposit at a Truist branded ATM, The ATM jammed and gave me a receipt that the deposit could not be processed and did not return my money, the Deposit amount was around {$500.00} dollars. I immediately called the number on the receipt and no one could tell me what department handles atm issues. When making the claim of missing deposit I had to insist they record the information on the receipt that included the serial number and terminal number of the machine. No one could tell me when the machine would be audited for my missing money and its been a cycle of departments not knowing any information about the atm issues. Today is XX/XX/year> and I still have not received my missing money nor has my account been credited

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 2026-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: TransferWise Ltd
State: FL

Complaint narrative:
I attempted to create an account with Wise, but I was unable to do so because my phone number is already associated with another account that does not belong to me. I have never created a Wise account before. I contacted Wise customer support by phone to resolve the issue. During the call, I explained that this is my personal phone number and that it has been incorrectly linked to another users account. However, I was told that they are unable to remove or disassociate my phone number and that there is nothing they can do. This situation is preventing me from accessing Wises services and raises concerns about potential misuse of my personal information. I am requesting that Wise investigate this issue, remove my phone number from any account that is not mine, and allow me to create an account using my own information. Additionally, I request a clear explanation of how my phone number became associated with another account and what steps are being taken to prevent this type of issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rent Recovery Solutions
State: MD

Complaint narrative:
On XX/XX/XXXX, this account was opened and later reported to my credit file by Rent Recovery Solutions for {$320.00}. I never received any written validation notice or communication from this company prior to the account being reported to my credit report. On XX/XX/XXXX, I attempted to contact the company and requested that all communication be provided in writing. I did not receive any written response or validation notice following this request. On XX/XX/XXXX, I sent a formal written request for debt validation pursuant to the Fair Debt Collection Practices Act. The company received this request. Despite this, the account balance was updated on XX/XX/XXXX, which constitutes continued collection activity without first providing proper validation. The company later sent partial documentation, including a lease and a ledger, but did not provide proof that a validation notice was ever mailed to me, nor did they provide sufficient documentation establishing their legal authority to collect this debt. This account was reported and updated without proper validation or required notice, and I am requesting that it be investigated and removed from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Second Alliance, Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding unresolved and inconsistent billing issues with XXXX XXXX XXXX XXXX I was enrolled through an employer-sponsored tuition program ( XXXX ) , where my understanding was that my tuition would be covered. However, I later began receiving conflicting information regarding my account. I was told at different times that : My tuition was covered I was charged for a course I did not take or was not enrolled in My account had been sent to collections I made multiple attempts to request clarification, including asking for : An itemized breakdown of charges Verification of enrollment for the course ( s ) in question Explanation of why charges were not billed to my employer sponsor Despite these requests, I have not received a clear or consistent explanation of the charges or validation of the debt. The account was placed in collections without proper verification, and this is now negatively impacting my credit and current financial applications. I believe this debt may be inaccurate or improperly applied, and I have not been provided sufficient documentation to confirm its validity. In addition, the account is currently marked as disputed by consumer on my credit report, yet it continues to be reported as valid without any documentation being provided to support the accuracy of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Healthcare Finance Direct LLC.
State: PA

Complaint narrative:
CFPB Case Update : Formal Evidence of Unresolved Refund & Bad Faith Conduct Consumer Information : Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Reference Information : Current CFPB Case # : XXXX Payment Plan ID # : XXXX Complaint Update : Evidence of {$52.00} Unpaid Refund I am providing formal proof of an additional unresolved refund that Healthcare Finance Direct ( HFD ) refused to acknowledge during a conference call on XX/XX/year>. While a separate amount of {$500.00} was confirmed as posted, HFDs XXXX XXXX, XXXX XXXX, abruptly hung up the call when confronted with the following documented evidence of a second missing payment. +2 Documented Proof of Misdirected Funds : Official Refund Receipt : On XX/XX/year>, HFD sent an official email ( Subject : Refund Down Payment ) stating : " A {$52.00} refund has been processed to your account ''. Incorrect Destination : This legal receipt explicitly states the {$52.00} was " Refunded to Ending in XXXX ''. Account Mismatch : I do not own an account ending in XXXX ; my verified XXXX account ends in XXXX. Contradictory Internal Records : HFDs internal " ACH History Item Details '' for this plan shows a " CR '' ( Credit ) line with a completely different figure. +1 Demands for Relief & Investigation : Immediate Issuance of {$52.00} via Check : HFD can and must issue a physical paper check for the {$52.00} balance that their system misdirected to the wrong account. Payee Details : The check must be mailed to XXXX XXXX XXXX, XXXX, PA XXXX and made out to XXXX XXXX or XXXX XXXX. Escalation to Supervisor : Due to XXXX XXXX unprofessional conduct in hanging up during a dispute, I demand this case be reassigned to her direct supervisor for a full internal investigation. +1 Certified Accounting Audit : I demand a line-by-line audit of all transactions for Plan # XXXX to ensure no other " system mistakes '' are masking unpaid refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 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: TN

Complaint narrative:
On XX/XX/XXXX, I transferred {$100.00} from my XXXX XXXX business account to my Cash App account. The funds were immediately debited and settled that same day. On XX/XX/XXXX, while working, I received a notification that my account was overdrawn. Cash App had withdrawn an additional {$100.00} from my XXXX XXXX account this charge is currently pending and caused my account to go into overdraft, creating significant financial strain. I contacted Cash App support and spoke with two representatives, neither of whom addressed my concern. Both continued redirecting me toward disputing the original XX/XX/XXXX charge, which is not the issue. The unauthorized charge from XX/XX/XXXX is what needs to be resolved. A third representative suggested that charges which take longer to settle may sometimes reappear. However, this does not apply here the original charge fully settled on XX/XX/XXXX, two days before the duplicate charge appeared. To cover the overdraft, I was forced to continue driving for XXXX. As of now, I have not been reimbursed and have no available funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year> I filled a Purchase Protection claim XXXX with Card Benefit Services, provider for Visa benefits of my debit card with the Bank of America. I sent to them all the documentation requested, they did not care about my calls asking for a resolution or a date to have an answer.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: LA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing this complaint regarding XXXX handling of multiple debit card transactions for subscription services that were not received. I used my PayPal debit card to purchase multiple monthly subscriptions through XXXX. Within less than XXXX hours of signing up, my account was XXXX by the merchant. When attempting to log in, I consistently received a message stating : Your account is inactive. As a result, I lost access to all paid subscription content almost immediately after purchase. Because access was revoked within such a short timeframe, these transactions clearly qualify as services not received. I submitted disputes to PayPal for these charges and provided the same supporting documentation for each transaction, including proof that the account was inactive and inaccessible. Based on the dispute records I am submitting : PayPal ruled some disputes in my favor without requesting additional information PayPal ruled other disputes in favor of the merchant using the exact same evidence Some disputes remain pending despite identical fact patterns Denied disputes did not include meaningful explanations distinguishing them from approved ones This demonstrates that PayPal did not apply a consistent or reasonable investigative standard. If the same evidence was sufficient to approve certain disputes, it should have been evaluated consistently across all transactions. XXXX actions suggest an arbitrary or automated dispute process rather than a good-faith investigation as required under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Hanwha QCells USA Corp
State: FL

Complaint narrative:
I am filing a complaint regarding a solar loan financed through XXXX in connection with a solar system installed in XX/XX/year> by XXXX XXXX. During the sales process, I was informed that I would receive a payment from the IRS equal to approximately 30 % of the system cost, which would be applied toward my loan balance in order to maintain a lower monthly payment. This was clearly represented to me as a refund or check from the IRS. Based on this representation, I agreed to move forward with the solar installation and financing. However, after filing my taxes, I learned that the federal solar tax credit is not a guaranteed refund and depends on the taxpayers tax liability. As a result, I did not receive the expected funds needed to apply toward the loan. Because this information was not clearly or accurately explained during the sales process, my loan payment increased significantly from the originally presented monthly amount after the expected tax credit payment was not made. I attempted to resolve this matter directly with XXXX and XXXX XXXX. XXXX responded by redirecting me to the installer, and XXXX XXXX did not respond to my request for clarification or resolution. I believe this situation involves misrepresentation of the federal solar tax credit and inadequate disclosure of loan terms, which impacted my decision to enter into this loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am filing this FTC to report fraudulent accounts that are appearing on my credit report which I do not recognize. I am victim of the equifax data breach. These fraudulent accounts consist of personal credit cards. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: OH

Complaint narrative:
I am filing this formal complaint against Harris & Harris for violating the Fair Credit Reporting Act ( FCRA ). Despite a previous dispute, this agency continues to furnish contradictory and " mathematically impossible '' information to the credit bureaus. A side-by-side comparison of my credit files proves that Harris & Harris is not maintaining accurate records : Gross Balance Discrepancy : They are reporting a balance of {$150.00} to TransUnion, but only {$60.00} to Experian. It is an accounting and legal impossibility for the same debt to have XXXX different balances on the same day. Contradictory Account Status : The account is listed as " Open '' on XXXX and " Closed '' on XXXX. A collection account can not exist in XXXX different legal states simultaneously. Conflicting Activity Dates : They report the " Date of Last Activity '' as XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ). The fact that Harris & Harris is reporting XXXX different amounts and XXXX different dates for the same alleged debt proves their records lack integrity. Under the FCRA, if a furnisher can not provide 100 % accurate and consistent data, the trade line must be deleted.

Company response to consumer: Closed with explanation