vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint against Wells Fargo Bank , N.A . regarding a foreign currency transaction in which approximately {$20000.00} USD was converted into XXXX XXXX, but only approximately {$10000.00} equivalent was actually delivered to the customer. About two and a half years ago, approximately {$20000.00} USD was submitted to Wells Fargo for conversion into XXXX XXXX. After the foreign exchange department completed the transaction, the customer was called and told the funds were available for pickup at the branch. When the customer arrived at the branch, a teller handed him one sealed envelope. The teller did not state that there were multiple envelopes, did not say the delivery was partial, did not request a count in the customers presence, and did not obtain any acknowledgment that more than one envelope was being delivered. The customer accepted the single sealed envelope in reliance on the bank and immediately placed it into a safe without opening it. A little over two years later, the sealed envelope was opened. The contents amounted to only approximately {$10000.00} equivalent in XXXX XXXX, leaving an apparent shortfall of roughly {$10000.00}. The discrepancy was immediately reported to Wells Fargo. Wells Fargo later responded that the funds had supposedly been delivered to the branch in two separate XXXX envelopes. However, the customer received only one envelope. He was never told there was a second envelope, never signed for a second envelope, and no second envelope was presented or counted in his presence. My complaint is that Wells Fargo has not established actual delivery of the full funds to the customer. At most, the bank appears to claim that two envelopes were shipped to the branch. That is not proof that two envelopes were delivered to the customer. I request that Wells Fargo be required to : XXXX. Reopen and escalate the investigation ; XXXX. Provide a full chain-of-custody accounting for both alleged envelopes ; XXXX. Produce all relevant shipping, branch intake, vault, teller, audit, and delivery records ; XXXX. Identify all employees involved in receiving, storing, and delivering the foreign currency ; and XXXX. Reimburse the missing funds if it can not conclusively prove that the customer actually received the second envelope. The core issue is simple : shipment to the branch is not the same as delivery to the customer. The customer received only one sealed envelope and was never informed that any second envelope existed.

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 2026-04-29 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
State: CA

Complaint narrative:
Follow-Up Complaint : Failure to Comply With CFPB Resolution Commitment I am submitting a follow-up complaint regarding my prior case ( CFPB Complaint ID : XXXX ) involving PayPals closure of my business account and the withholding of approximately {$110000.00} in funds. In response to my original complaint, PayPal stated that the held funds would be released on or before XX/XX/year>, and that I would receive notification by email. As of today, XX/XX/year> : The funds have not been released, and I have not received any communication or explanation from PayPal. This represents a failure to comply with the resolution timeline communicated in response to a regulatory complaint. I relied on this commitment in good faith, and PayPals failure to follow through has prolonged the financial harm to my business. The continued withholding of these funds, particularly after a defined release date was provided, raises additional concerns regarding : Lack of procedural reliability and accountability Continued disproportionate restriction of earned business funds Ongoing financial harm despite prior regulatory intervention This delay is directly impacting my ability to meet business obligations, including supplier payments and operational expenses. Requested Resolution To resolve this matter, I request the following : - Immediate release of all previously withheld funds without further delay. - Written confirmation of the release, including transaction details and timing. - A clear explanation for failure to meet the stated XX/XX/XXXX deadline, including whether this represents a systemic or account-specific issue. - Consideration of compensation for the extended withholding period, including any applicable interest or financial adjustment. Given PayPals failure to meet its stated resolution timeline in CFPB Complaint XXXX, I am simultaneously submitting complaints to applicable state regulatory authorities, including the California Attorney General, and other appropriate oversight bodies, regarding the continued withholding of funds beyond the committed release date. PayPal has already completed its review and provided a definitive release date. Continued retention of these funds beyond that date, without notice or explanation, is unreasonable and inconsistent with the resolution previously provided. I am requesting prompt regulatory review to ensure compliance with the stated resolution and to prevent further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX I purchased a XXXX $ XXXX gift card, due to my previous order of a XXXX XXXX gift card being stolen and XXXX refusing to reimburse the funds they instead offered a 30 % discount on my next gift card purchase. I was told by my support agent to message XXXX after making the purchase so the 30 % discount could be applied retroactively. When messaging support they both refused to honor the 30 % discount I was offered on the XXXX $ gift card, and even refused to refund the order. On top of that, they locked the gift card, and after making a dispute I was lied to any told the merchant was working with me to resolve this dispute, when I have called them multiple times about this and they tell me theres nothing they can do. I am requesting a full refund on this card as theyve been lying to me and making me call and file disputes for almost 2 years about this. I have attached documents showing the 2 separate disputes filed with Synchrony Bank, one on XX/XX/XXXX and the other a year later, as well as chats with XXXX support showing their refusal to help in this matter. Ive submitted a complaint before and they still refuse to resolve the issue of the card being locked and useless.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: VA

Complaint narrative:
I am writing in response to your communication regarding the above-referenced account. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : The name and address of the original creditor The total amount of the alleged debt, including any fees, interest, or charges Copies of any documentation bearing my signature that shows I agreed to this debt Proof that your agency is authorized to collect on this debt Documentation showing that the debt is within the statute of limitations Until you provide proper validation, I request that you cease all collection activities and reporting to credit bureaus. If you are unable to provide this information, please confirm that the account will be removed and no further collection efforts will be made. I prefer to be contacted in writing only. Thank you for your cooperation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 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: VA

Complaint narrative:
RE : FAILURE TO VALIDATE DEBT & IMPROPER COLLECTION ACTIVITY Date:XXXX To Whom It May Concern, I am in receipt of your correspondence dated XX/XX/year>, regarding the alleged account referenced above. Your response does not constitute proper validation of the debt as required under the Fair Debt Collection Practices Act, 15 USC 1692g. You failed to provide : - A copy of the original signed contract - Proof of my legal obligation to this debt - Complete payment history - Documentation showing your legal right to collect Instead, you requested that I complete an Identity Theft Report. This is improper. The burden of validation is on your company, not the consumer. Furthermore, your statement that this debt is beyond the statute of limitations and that you can not sue indicates that this is a time-barred debt. Continued reporting of unverified and time-barred debt may constitute a violation of the Fair Credit Reporting Act, including 15 USC 1681e ( b ). At this time, I am not refusing to cooperate ; however, I will not provide any additional documentation until you fulfill your legal obligation to properly validate this debt. DEMAND You are hereby required to : 1. Provide full validation of this alleged debt in compliance with 15 USC 1692g OR 2. Immediately delete this account from all credit reporting agencies Additionally, you must cease all collection activity and reporting until proper validation is provided. Failure to comply will result in additional complaints filed with the Consumer Financial Protection Bureau, Federal Trade Commission, and my State Attorney General, as well as consideration of legal action for violations of federal law. This letter is sent without acknowledgment of any liability. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Forest Recovery Services LLC
State: IL

Complaint narrative:
Subject : URGENT FOLLOW-UP Furnisher Admitted Inaccuracy but Account Still Reporting ( FCRA Violation ) I am submitting this follow-up complaint regarding a previously filed case in which the furnisher responded through the Consumer Financial Protection Bureau , confirming that the account in question was flagged as inaccurate and would be removed. Despite this formal acknowledgment, the account continues to report on my credit file, which is a direct violation of the Fair Credit Reporting Act. Forest Recovery Services LLC has already admitted the information is inaccurate and that it would be removed. Therefore, there is no permissible basis for continued reporting, reinvestigation, or delay. Under the Fair Credit Reporting Act, all information reported must be accurate and verifiable. Reporting information that has already been deemed inaccurate is unlawful and constitutes continued harm to my credit profile. Additionally, I have not received any formal notification of deletion, nor any confirmation that the account has been removed, further demonstrating a lack of compliance and proper procedure. This situation reflects : - Failure to maintain maximum possible accuracy - Continued reporting of information known to be inaccurate - Failure to properly complete the correction process after acknowledgment I am demanding the following actions immediately : 1. Permanent deletion of this account from all credit reporting agencies 2. Written confirmation that the account has been removed via email at XXXX. 3. Assurance that this account will not be reinserted under any circumstances If this matter is not resolved immediately, I am prepared to escalate further for the enforcement of my rights under the Fair Credit Reporting Act. I have attached documentation of Forest Recovery Service LLC 's original response confirming the inaccuracy. This is not a request for reinvestigation. The inaccuracy has already been established. This is a demand for enforcement and immediate correction. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. I am filing this formal complaint regarding gross violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Equal Credit Opportunity Act ( ECOA ) by the credit bureaus and furnishers listed below. 1. ILLEGAL REINSERTION ( FCRA 611 ( a ) ( 5 ) ( B ) ) : Jefferson Capital Systems ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX ) This collection account for {$18000.00} was previously disputed and successfully deleted because the furnisher could not provide a wet-ink signature to validate the debt. The bureaus have now illegally reinserted this " ghost debt '' onto my profile without providing the mandatory 5-business-day written notification required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). I demand immediate and permanent deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Unifin Inc.
State: SC

Complaint narrative:
The phone number that contacted me was XXXX Today I received a text message ( the 2nd or 3rd time already ) and it included this text : This is Unifin, a debt collector. Contact us about ref # XXXX @ XXXX or XXXX ChargesMayApply Reply STOP to stop texts. I tried to input my info on the Unifin website, which I entered the ref # and my last four social security digits and it kept saying that it couldn't find my info. So I assumed this number that's texting me is a scammer. I did not click the link in the text message either, just searched the Unifin company directly and input my info on their website. I have received the same text a few weeks ago but I blocked the contact right away. I believe it was a different telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: NJ

Complaint narrative:
I am submitting a formal complaint regarding the conduct of a debt collection agency in connection with an account for which I have an active and current payment agreement. On XX/XX/year>, at approximately XXXX XXXX, I received a call on my work phone from a representative identifying himself as XXXX XXXX who works for Unifin Transactions phone number XXXX. This contact was inappropriate, as I am currently in good standing under a payment plan and had already made my scheduled payment for the month on time, including a payment processed the same day. After receiving this call, I contacted the agency directly to address the issue. During that call : I spoke with a representative named XXXX, who was dismissive and incorrectly stated that I did not have a payment agreement in place. I then escalated the matter to a manager, XXXX XXXX, who did not provide a satisfactory resolution and failed to acknowledge the existing agreement. This situation raises several concerns : Contacting me at my place of employment despite my account being current Misrepresentation of my account status by company representatives Unprofessional and dismissive conduct when attempting to resolve the issue I have consistently made payments on time under the agreed-upon arrangement and have acted in good faith. The call I received appears unnecessary and harassing in nature, particularly given that there was no delinquency or missed payment. I am requesting that this matter be reviewed and that the company be required to : Confirm my account status and payment agreement in writing Cease any further contact at my place of employment Investigate the conduct of the representatives involved, including review of the recorded call from XX/XX/year> at approximately XXXX XXXX I am seeking appropriate corrective action to ensure that these practices do not continue. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
I am writing in response to your communication regarding the above-referenced account. I am requesting validation of this debt pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). Please provide the following : The name and address of the original creditor The total amount of the alleged debt, including any fees, interest, or charges Copies of any documentation bearing my signature that shows I agreed to this debt Proof that your agency is authorized to collect on this debt Documentation showing that the debt is within the statute of limitations Until you provide proper validation, I request that you cease all collection activities and reporting to credit bureaus. If you are unable to provide this information, please confirm that the account will be removed and no further collection efforts will be made. I prefer to be contacted in writing only. Thank you for your cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
CFPB Complaint Submission Company Name PayPal , Inc . Since XX/XX/year>, PayPal has failed to rectify a {$780.00} loss caused by a documented User Interface ( UI ) system error. Despite providing evidence that the transaction was a platform malfunction rather than a user-authorized " Send Money '' command, PayPal has provided only apologies without action or fund recovery. On XX/XX/year>, a " Transfer to Bank '' command was initiated to my personal account. Due to a PayPal system failure/UI error, the transaction was incorrectly processed as a " Send Money '' transaction to an unintended recipient ( XXXX XXXX XXXX XXXX ) which happens to be in PayPal 's system, not mine. This was a platform malfunction. I did not authorize a peer-to-peer payment ; I attempted a standard balance withdrawal. Case Reference : Case ID XXXX. I formally appealed the issue on XX/XX/year>. As of today, it has been over 14 days without a substantive response or acknowledgment from the PayPal XXXX XXXX. I have contacted the recipient directly as we searched and found who she is, which is something PayPal should have done, seeing their lack of efficiency we took matters into our hands. The recipient claims the funds are inaccessible, indicating the money is stuck in a " system limbo '' that only PayPals technical team can reverse as she does not have the funds, only PayPal can verify this. PayPal has failed to review technical session logs that would prove the UI error occurred. They have stalled the investigation despite clear evidence of a malfunction. I am seeking a full refund/reversal of the {$780.00} to my PayPal balance or original payment method. I also request that PayPal provide a formal report on the technical session logs regarding the UI error that occurred on XX/XX/XXXX.

Company response to consumer: Closed with explanation