vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-12 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: OH

Complaint narrative:
On XX/XX/year>, {$1300.00} in XXXX XXXX XXXX tickets was fraudulently purchased through XXXX using my PayPal account. I reported the fraud on XX/XX/year> within XXXX hours. 

A PayPal representative instructed me to change my fraud dispute to item not received, which caused PayPal to improperly deny the claim. The tickets were never activated or used and I never possessed them.

PayPal is now attempting to collect over {$1300.00} in fraudulent charges from me. This violates the Electronic Fund Transfer Act and Regulation E, which limit my liability to {$0.00} for timely reported unauthorized transactions. 

I am requesting immediate removal of the balance, correction of my account, and confirmation that no negative credit reporting has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: VA

Complaint narrative:
I requested that CashApp contact the merchant and attempt to retrieve my funds that were involved in a scam. I also went through my bank in an attempt to retrieve XXXX of the transactions. The bank then went to the bank with the complaint, and Cashapp took the money ( {$550.00} ) from my personal account and gave it to the bank. I contacted Cashapp to see where my funds were, because and they stated that the bank won the cashback case, so they gave them the funds. I then asked them why they took funds from me instead of going to the merchant. I told them several times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) I was not the merchant. The only thing I could get from them was that when the bank requested the money they were obligated to give it to them. That is not right. They make no attempts to go to the merchant and get the funds. They should not take them from me!. XXXX  made several complaints in regards to this merchant being a scam and they have done nothing to investigate the transactions. They quickly respond and say they XXXX  do anything about it. They dont even try. I contacted Cashapp on XX/XX/XXXX and then again on XX/XX/XXXX about the fraudulent activity and I was quickly dismissed. They failed to investigate. They told me there was nothing they could do. All the fraudulent activity associated with this merchant is listed below : XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX which was also taken from me again on XX/XX/XXXX by Cashapp and given to the bank for a Cashback. The bank has not given me any money back so XXXX missing this amount XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I sent a XXXX payment through Charles Schwab to purchase a puppy from an individual who represented himself as a breeder. The puppy was represented as healthy, properly cared for, and XXXX XXXX XXXX. After the transaction, the seller did not provide a vaccine card or any documentation. The puppy showed clear signs of illness and passed away less than 72 hours after purchase.

I later discovered the puppy was not XXXX XXXX XXXX as stated, but approximately XXXX XXXX XXXX, meaning it should not have been separated from its mother. I attempted to obtain a refund and went to the sellers listed residence, where the landlord informed me the seller had fled, no longer lived there, and owed multiple months of rent. The landlord stated police had been contacted regarding the seller.

I reported this as a scam to Charles Schwab, but my dispute was denied without a meaningful explanation of how seller misrepresentation and inability to locate the recipient were considered. I am requesting CFPB review of Schwabs handling of this XXXX scam dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX Date : XX/XX/year> Via Certified Mail Return Receipt Requested LVNV Funding LLC Re : Account # XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account. I dispute owing any debt to LVNV Funding LLC, refuse to pay this alleged obligation, and will attest to this position in any court proceeding initiated by LVNV Funding LLC or by myself.

You added and furnished this collection account to my consumer reports before providing the required disclosures. Upon dispute, the Fair Debt Collection Practices Act ( FDCPA ) requires that collection activityincluding credit reportingcease until proper validation is provided ( 15 U.S.C. 1692g ( b ) ). Any purported validation must be supported by verifiable proof of delivery, including certified mailing with return receipt, to establish lawful notice and compliance.

Additionally, this account is being furnished as two separate accounts, which is false and misleading. Representing a single alleged obligation as multiple accounts misrepresents the character and amount of the debt and constitutes a deceptive practice in violation of 15 U.S.C. 1692e.

Because you reported this account without first providing lawful disclosures and are furnishing it in a misleading, duplicative manner, I demand that you immediately delete this account from all consumer reporting agencies.

If you believe this account is valid, provide competent evidence of the debt, including : 1. Proof of the original creditor 2. A complete payment history 3. Proof of your legal authority to collect 4. Proof of certified mailing and return receipt for any required disclosures/validation You are hereby given 14 days from receipt of this letter to remove this account. If the account is not removed within that timeframe, I will proceed with legal action through a licensed attorney to seek all available remedies, including damages, costs, and attorneys fees.

Please provide written confirmation of deletion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Re : Account # XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account. I dispute owing this alleged debt in its entirety and will testify under oath that I do not owe this obligation.

You are furnishing this account as if it were two separate collection accounts, which is false, misleading, and deceptive. Reporting the same alleged debt more than once misrepresents the character and amount of the debt and violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, including 1692e ( 2 ) ( A ) and 1692e ( 10 ).

Additionally, I never received a debt collection notice sent via certified mail with return receipt requested, nor any lawful notice advising me of your attempt to collect this alleged debt. Your failure to properly notify me and provide validation violates 15 U.S.C. 1692g ( a ). Upon dispute, all collection activityincluding credit reportingmust cease until proper validation is provided, pursuant to 15 U.S.C. 1692g ( b ).

Because this account is disputed, duplicatively reported, and unsupported by lawful validation, I am demanding that you immediately remove this account from all consumer reporting agencies.

If this account is not removed, I will pursue legal action to recover all damages you have caused me, including statutory damages, actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1692k.

Please provide written confirmation of deletion. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2026-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I am currently facing a situation where I am being held responsible for a debt of {$12000.00} related to a vehicle that is not in my possession. This vehicle, financed through XXXX XXXX, was reported stolen by the original owner, who is now unreachable. I have been actively appealing to have this removed from my credit report, as I believe this is an unjust imposition.

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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: NY

Complaint narrative:
My Wise account was closed over XXXX month ago while approximately USD XXXX remains pending. 

Wise confirmed in writing that the funds are safe and subject to due diligence checks, but they have not : - confirmed the current status of the funds- specified the exact refund method - provided a timeline for the return of funds My account is fully inaccessible, and Wise declined my complaint without resolving the issue of the pending funds. 

I am requesting regulatory assistance to : XXXX. Obtain written confirmation of where the funds are currently held XXXX. Ensure the funds are returned to my bank account without further delay XXXX. Receive a clear timeline and refund confirmation The funds are legitimate business proceeds from goods sold and shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CONTRACT CALLERS INC
State: NJ

Complaint narrative:
I am submitting this complaint because a debt collector is attempting to collect and report an alleged debt without providing lawful validation as required under the FDCPA ( 15 U.S.C. 1692g ), Regulation F ( 12 CFR 1006.34 ), the FCRA, and New Jersey state laws, including the NJ Consumer Fraud Act and the NJ Consumer Finance Licensing Act. 

I formally disputed the alleged debt and requested full validation, including : identification of the original and current creditor, a signed contract or compliant electronic agreement, itemized accounting of all amounts, complete chain of assignment/bills of sale listing my specific account, original statements, proof of charge-off, proof the debt is within the New Jersey statute of limitations , proof of an active NJ debt collection license, and evidence their initial notice met all Regulation F disclosure requirements.

The collector has * * not provided legally sufficient verification * *, and instead continues credit reporting and/or collection activity. Reporting and collecting on an unverified debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ), as well as New Jersey laws prohibiting deceptive or unconscionable practices under N.J.S.A. 56:8-2. 

Until full validation is provideddirectly from the original creditor, not internal summariesthe collector is required to cease all collection efforts and stop furnishing negative credit information. Failure to do so constitutes continued violations of federal and state law. 

I am requesting CFPB assistance to : 1. Require the collector to provide full and complete validation ; 2. Ensure they cease collection until validation is supplied ; 3. Correct or remove any unverified credit reporting ; and 4. Ensure compliance with FDCPA, Regulation F, FCRA, and New Jersey statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Someone used my information for AMEX, my credit score was never good enough for an AMEX!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Breach of fiduciary duties, acting in bad faith XXXX an applicant institution trade and commerce I write regarding XXXX XXXX XXXX XXXX XXXX. XXXX ( the Application ) and any alleged collateral pledge, security interest, lien, or related security documentation that Bank of America , N.A . contends arises from the Application or any resulting account/credit facility ( the Alleged Collateral Pledge ). 
I dispute that any enforceable collateral pledge exists unless and until Bank of America produces the complete, authenticated security documentation and supporting records described below. This letter is a formal demand for records and a request for correction of any inaccurate lien/collateral records. 
XXXX. Demand for Collateral Pledge / Security Interest DocumentationPlease provide true, complete, and legible copies of the following ( the Requested Collateral Records ) : a. The complete executed security agreement and/or collateral pledge agreement ( including all exhibits, schedules, collateral descriptions, and definitions ) that Bank of America relies on to claim a security interest or lien. 
b. Any related loan agreement, revolving credit agreement, promissory note, or credit card/business card agreement that cross-references collateral or includes a grant of security interest. 
XXXX. Proof of authorization and assent for the Alleged Collateral Pledge, including : i. wet-ink signatures ( if applicable ) ; ii. e-sign consent, authentication records, and audit trail ( timestamps, workflow records, and the exact terms presented at signing ) ; iii. corporate authority documents relied on ( e.g., resolutions, incumbency certificates ) if Bank of America required them. 
XXXX All UCC and lien documentation, including : i. UCC-1 financing statements, UCC-3 amendments/assignments/terminations ; ii. filing jurisdiction ( s ), filing date ( s ), and file number ( s ) ; iii. any collateral schedules attached to or referenced by any UCC filin

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 2026-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Chime Financial Inc
State: PA

Complaint narrative:
Chime fraud line send a text about a transaction I called number They knew all my info and my last transaction saying they were shutting account down and to give access to The transaction They stole my money ey and on XX/XX/year> and transfer XXXX and went the other account and took XXXX hundred When I reported it chime took seconds and said I did it cause it look that was no one contacted me I have proof and they did not refund my funds I XXXX account off and they still harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I requested that my TD Bank account be closed because I was opening a new account with XXXX XXXX XXXX. However, TD Bank told me that the check deposit to XXXX should be completed to close the account. The next day, XX/XX/XXXX, I noticed that the check had cleared and that my TD Bank account had a XXXX balance, so I was able to proceed with the closing process. Meanwhile, I had changed all auto payments across all financial institutions to prevent any issues. Today, at XXXX, I received an email from TD Bank about an overdraft on my account for a XXXX XXXX, even though I had updated my account information with XXXX and received confirmation from them. I dont accept any fee from TD Bank once my account is in the closing process, and I have completed all procedures correctly. TD Bank should not have received the payment from XXXX, and XXXX should not have sent the payment request to the old bank once I had completed and updated all of the information in my records. I request that TD Bank resolve this issue and close my account immediately without charging me for their mistakes. TD Bank shouldnt accept any payment once I have asked to close my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I do not owe a balance of XXXX XXXX I spoke with representatives and was informed that the amount was paid for due to the arbitration agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 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: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than XXXX. This is done XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am writing to formally dispute an alleged late payment reported on my account. This late payment was reported by XXXX XXXX Account # xxxx to your agency, XXXX and I believe that tis entry is inaccurate. The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws.

Leal Basis for dispute.

Under 15 U.S. Code 168a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transaction or experiences between a consumer and the person making the report. As such, any transaction or experience between myself and XXXX XXXX regarding this account should not be included in my consumer report.

15 U.S. Code 1681a ( 2 ) ( A ) ( i ), 1666b, and 1666 and 1637 ( b ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report..

Request for Action : If XXXX XXXX can not provide the necessary proof of mailing or delivery of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information I respectfully request that you take to appropriate action to remove this inaccurate late payment ( s ) in Question : Date * * ______ * * Thank you for your prompt attention to this matter. I look forward to your response and confirmation that the disputed late payment entry has been remove that the disputed late payment entry has been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX Date : XX/XX/year> Jefferson Capital Systems Re : Account # XXXX To Whom It May Concern, I am writing to formally dispute the above-referenced account. I dispute owing this alleged debt in its entirety and will testify under oath that I do not owe this obligation.

You are furnishing this account as if it were two separate collection accounts, which is false, misleading, and deceptive. Reporting the same alleged debt more than once misrepresents the character and amount of the debt and violates the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, including 1692e ( 2 ) ( A ) and 1692e ( 10 ).

Additionally, I never received a debt collection notice sent via certified mail with return receipt requested, nor any lawful notice advising me of your attempt to collect this alleged debt. Your failure to properly notify me and provide validation violates 15 U.S.C. 1692g ( a ). Upon dispute, all collection activityincluding credit reportingmust cease until proper validation is provided, pursuant to 15 U.S.C. 1692g ( b ).

Because this account is disputed, duplicatively reported, and unsupported by lawful validation, I am demanding that you immediately remove this account from all consumer reporting agencies.

If this account is not removed, I will pursue legal action to recover all damages you have caused me, including statutory damages, actual damages, costs, and attorneys fees as provided under 15 U.S.C. 1692k. 

Please provide written confirmation of deletion. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation