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: GA

Complaint narrative:
I am filing a complaint regarding PayPals handling of a Buyer Protection dispute for non-delivery of services.

I placed and paid for a XXXX order ( XXXX XXXX ) through PayPal. The order was marked as delivered ; however, it was not delivered to my address and I did not receive the food. This is a clear case of non-delivery / service not rendered. 

I reported the issue, but XXXX failed to recover or redeliver the order. Shortly after reporting non-delivery, XXXX terminated my account for an alleged Terms of Service violation. This prevented me from accessing delivery photos, GPS data, or any meaningful ability to challenge the delivery error or resolve the issue directly with the merchant.

PayPal denied my Buyer Protection claim, stating that XXXX provided billing documentation, confirmation that the address on the transaction matched my account, and GPS or delivery confirmation data. Billing records and address matching only confirm that an order was placed and paid for ; they do not establish that the service was actually delivered to my correct physical location. GPS proximity data alone does not prove correct delivery, especially without address-identifiable proof such as a delivery photo. 

Additionally, PayPal did not share or allow me to meaningfully review or challenge the evidence XXXX submitted. I was told the case was closed by a back-office team in the merchants favor without transparency regarding how delivery to my specific address was verified. 

After the dispute was closed, PayPal issued a courtesy credit to my account without my prior agreement. While appreciated, this goodwill credit does not resolve the underlying issue : the improper denial of Buyer Protection for a non-delivered order and the reliance on insufficient evidence of delivery.

I am requesting that PayPal : Conduct a fair, transparent review of this dispute under Buyer Protection for Item Not Received Clarify how GPS or merchant documentation alone was deemed sufficient proof of correct delivery Ensure Buyer Protection standards require proof of delivery to the correct address, not
merely order placement or proximity I am seeking enforcement of PayPals Buyer Protection policy and appropriate remediation for the non-delivered service.

Company response to consumer: Closed with monetary relief
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: Early Warning Services, LLC
State: TN

Complaint narrative:
I am unable to receive money on Zelle from my family members. Both my bank and Zelle say there are no flags on my account, but all transfers are unsuccessful. My XXXX and XXXX both tried to transfer me money on Friday, XX/XX/year>, and again today on Monday, XX/XX/year>. Multiple attempts and different amounts have all been canceled. When my step father called XXXX XXXX after a canceled transfer, the XXXX XXXX representative said the transaction was canceled due to suspected fraud. He then advised my step-father to try again later, and if that didn't work, there was no other recourse. No one can provide a clear answer on why I can not receive money on Zelle.

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 — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Requested Wells Fargo to reverse {$10000.00} cash advance from my Wells Fargo Visa made on XXXX XXXX. I did not make this transaction. My Identity was stolen, and I believe someone made the fraudulent transaction online. There were other unsuccessful attempts to withdraw money from my checking account. Wells Fargo sent me a letter about unusual activity on my account on XXXX. I closed my checking & savings accounts and opened new ones in person at the bank. There was no mention about the cash advance at that time.

I noticed a {$10000.00} cash advance was made on my Wells Fargo Visa when I opened my XXXX bill later that month. I filed a police report, case # XXXX and filed an online claim. I opened a formal dispute via certified mail. Wells Fargo Fraud protection services sent me a letter and denied my claim. Their research shows " the activity was made through a secure online banking session made by me or someone who had the authority '' to do so. They closed my claim.

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 collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IN

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 response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
A collection account for {$2600.00} from XXXX XXXX XXXX has been reported by Pro Collect since 2021. The alleged debt arose during the COVID-19 period when I was experiencing documented financial hardship related to the pandemic.

Since 2021, I have repeatedly attempted to contact Pro Collect to resolve or dispute this account and to request removal or verification. Despite these efforts, the account continues to be reported as a collection and is negatively impacting my credit.

In addition, I have received repeated phone calls from Pro Collect that I perceive as harassing and intimidating in nature. These calls have caused distress and made me feel unsafe. I believe the companys conduct may violate fair debt collection practices. 

No meaningful resolution, validation, or relief has been provided, and the collection remains on my credit report without consideration of the COVID-19 hardship circumstances under which it originated.

I am requesting a formal review of Pro Collects reporting practices, collection conduct, and failure to resolve or appropriately address this matter.

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 reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/year> my wife and I noticed multiple charges that we didnt recognize adding up to a total of XXXX on our checking account in the Wells Fargo app. We called Wells Fargo and explained it to them. They canceled my check card, and opened a claim. The next day we realized that our XXXX XXXX XXXX son was the one who actually made the charges on his XXXXXXXX XXXX He didnt even realize what he was doing. When we realized this we called XXXX to see if they would issue a refund. They said they couldnt do anything until XXXX XXXX investigation was done. We called wells back to let them know that it was actually our son who made the charges and they told us that because he was only XXXX legally he can not make authorized charges so we should still be getting a refund. Wells Fargo provided a provisional XXXX credit. Some days later we got a letter in the mail from Wells Fargo saying that because they even though our done was not authorized because of his age, they were still considered valid charges as it wasnt someone on the outside and on XX/XX/XXXX they would take the provisional XXXX back. We then called XXXX to see if they would issue us a refund and they said because we went the route that we did going to Wells Fargo first XXXX could only give us XXXX back in the form of XXXXXXXX XXXX  points and not give us a refund out our money. Made no sense to me. I dont want XXXX XXXX points. I want my money back. Since then XXXX has changed them from XXXX  points to platinum points which are worth less then XXXX points. 
We called Wells Fargo back to see what they could and they were very cold on the issue, no empathy at all and they would not help us. 
So in the end we are being robbed XXXX, and completely jobbed by Wells Fargo. I just want my money back. How can a charge be considered valid and also unauthorized at the same time. Im reporting Wells Fargo for this asinine behavior.

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 2026-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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: GA

Complaint narrative:
In XXXX XXXX! My Cash App acct was charged {$600.00} and was sent to XXXX XXXX without my authorization and when I contacted them they told me that the charge was authorized and it was not authorized.! I just need my {$600.00} and {$18.00} sending fee back.! I just had a XXXX and that made me late on my rent being that I wasnt working due to having a XXXX.! I feel scammed and cheated :!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Credit Collection Services is reporting a collection account on my consumer credit reports that is inaccurate, incomplete, and not supported by proper documentation. 
The account is being reported without evidence of Credit Collection Services authority to collect or furnish the account, without complete account-level records, and without substantiation of the balance being reported. Despite these deficiencies, the account continues to appear on my credit reports and negatively affect my credit profile. 
I have disputed this account and requested a proper investigation. However, the reporting has continued without correction or meaningful verification. This has resulted in adverse credit consequences, including credit denials, loss of credit opportunities, and emotional distress. 
The continued reporting of this account without proper investigation has caused ongoing financial and personal harm.

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: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I was advised via email from Venmo that I had money available and I'd I didn't login to my account the money would be sent to the state of michigan. I tried logging into my account but I don't have the phone number associated with the account anymore. I called customer service to regain access but because I don't have the last 4 digits of either my bank card that was used to open the account or the checking account information, they can not help me. They refused to take any other verification methods and advised me that the state will be getting my money. Granted, there isn't a ton of money in that account but this is bad business ethics. I'd like my money back and a lawsuit started.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
On XXXX XXXX, I got a pre-approved notifcation for a loan of XXXX at XXXX percent interest. I went through the online process. A hard credit check was performed damaging my credit score. 

I then got an email saying I had been approved. 
Then I got a message saying " we would like to talk on the phone '' On the phone, they changed the terms and interest rate - to SECURED. Or, XXXX unsecured at a much worse rate. They went through an elaborate financial interview. 

And still, they want another phone call and access to my financial records. 

So I refused. Damaged credit rating, an hour on hold while waiting to go through their process. 

Complete bait and switch. ALSO, XXXX XXXX has some accountability here- if they have scammy lenders they are promoting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, i have vacation at XXXX XXXX, at the moment, just on the regular street walk, group of people asking me about " charity donation for helping kid '' i was nicely to help them XXXX $ via my digital wallet on my phone. I agreed to the transaction because I saw the amount of {$5.00} displayed on his phone, and the weird things is about XXXX mins later, i checked my bank account and saw another transaction is XXXX $ was pending.! called to banker right away and lock everything. 
Few day later, the second transaction was XXXX $ is posted and go up to 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 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
BULL CITY is falsely reporting on my credit. I have never had any accounts with them. Per my research BULL CITY 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 U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: MA

Complaint narrative:
Subject Complaint Regarding Inaccurate Charge-Off Reporting by XXXX To Whom It May Concern, I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX regarding the continued reporting of an inaccurate and/or unverified charge-off account on my credit report. 
Despite disputing this account directly with XXXX, the charge-off remains on my credit file without proper verification as required under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 ( a ) ( 1 ) and 1681i.

The account in question is reporting inaccurate information, including but not limited to : Incorrect account status and/or balance Failure to provide proper verification of the alleged debt Reporting information that can not be substantiated by original creditor documentation XXXX has failed to provide evidence that this account was verified using competent and reliable sources. A simple automated response or confirmation from a data furnisher does not meet the FCRAs requirement for a reasonable investigation. 
Because XXXX has not complied with its legal obligation to ensure maximum possible accuracy, this inaccurate charge-off is causing ongoing harm to my credit profile. 
I am requesting the following resolution : Immediate deletion of the inaccurate charge-off account from my XXXX credit report Written confirmation of the deletion once completed If XXXX can not fully verify this account with original documentation, it must be removed in accordance with federal law. 
Thank you for your assistance in resolving this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
THIS DEBT COLLECTOR HAS DONE UNJUSTIFIABLE PRACTICES OF THE FDCPA WHICH IT PROHIBITS. THE FURNISHED THIS ACCOUNT THAT WE DIDN'T AGREE UPON AND I DIDN'T SIGN AN AGREEMENT ON. A LEGAL CONTRACT IS SIGNED BY TWO PARTIES AND I DID NOT PARTICIPATE IN ANY OF IT. THEY DIDN'T FOLLOW THE PROPER 5-STEPS VALIDATION PROCEDURE. ACCORDING TO THE FDCPA, I'M ENTITLED TO COMPENSATION FOR THESE VIOLATIONS AND CLEARLY, COMPANY NAME MIDLAND CREDIT MANAGEMENT ACCOUNT # XXXX AMOUNT {$4100.00}.

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

Complaint narrative:
To Whom It May Concern, I am submitting this letter as a formal complaint regarding my banks failure to comply with Regulation XXXX ( XXXX XXXX XXXX ) in connection with a pending fraud claim on my account. 

Claim Details : Claim ID : XXXX Claim Amount : {$4800.00} Claim Opened : XX/XX/year> Current Status : Researching ( Step XXXX of XXXX ) I timely notified my bank of unauthorized electronic fund transfers, and my claim was opened within the required reporting period. Under Regulation XXXX, XXXX ( c ) ( XXXX ), when a financial institution can not complete its investigation within XXXX business days, it is required to provide provisional ( temporary ) credit for the disputed amount while the investigation continues. 

As of today, more than XXXX business days have passed since the claim was opened, yet : No provisional credit has been issued, and I have not received any written explanation for the delay or denial of temporary credit. 

This failure places an unreasonable financial burden on me and appears to be noncompliant with federal consumer protection law. 

I am formally requesting : XXXX. Immediate issuance of provisional credit in the amount of {$4800.00}, and XXXX. Written confirmation of compliance with Regulation XXXX, including the investigation timeline and my consumer rights. 

If this matter is not promptly resolved, I respectfully request that the Consumer Financial Protection Bureau review my complaint and require corrective action. 

Thank you for your attention to this matter. I expect a written response within a reasonable timeframe. 

Sincerely, 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 2026-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have a old cash app account that I no longer have access to and everytime I give all the information that im asked to provide im told it can't be processed due to security reasons

Company response to consumer: Closed with explanation