vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I purchased what was supposed to be an authentic Cartier XXXX XXXX XXXX bracelet via PayPal using both my PayPal balance and a debit card from XXXX. Come to find out, the bracelet was not authentic, too small AND the wrong material. You would think the item not being authentic would be enough for PayPal to rule a dispute case in my favor but thats incorrect. Despite me sending the item back and telling PayPal it was not authentic, PayPal denied my claim. Twice. Ive called, emailed and tried to escalate my issue within PayPal and they refuse to provide a full refund for an order i sent back ( and XXXX admitted to having the item in their possession ). PayPal has sided with a company that is stealing my money for an INAUTHENTIC ( the sale of inauthentic goods is illegal ) item that i am not in possession of ( because it was already sent back to the company ). I even paid more money to prove the item was not authentic by a company that claims to be trusted by PayPal and they also deemed the item as fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FinCo Services Inc DBA Current
State: NY

Complaint narrative:
Heres a professional CFPB complaint letter you can send regarding the inaccurate closed account reporting : XXXX XXXX XXXX XXXX XXXX XXXX New York, NY XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX : Complaint Regarding Inaccurate Credit Reporting by Credit Bureaus To Whom It XXXX Concern, I am filing this complaint regarding inaccurate information being reported on my credit report by the credit bureaus. Recently, a closed account from Current appeared on my credit report. I have never opened, owned, applied for, or authorized any credit card or account with Current. Despite this, the account was reported as closed and negatively impacted my credit score, causing a loss of approximately XXXX points. This reporting is inaccurate and misleading under the provisions of the Fair Credit Reporting Act. I am requesting that the credit bureaus immediately investigate this matter and remove the inaccurate account from my credit file. I also request that the furnisher of this information provide verified proof that this account belongs to me, including : * Original application or contract bearing my signature * Account opening documentation * Full payment and account history * Any records proving authorization by me If they can not provide proper verification, this account must be permanently deleted from all credit reporting agencies. I expect this matter to be resolved promptly in accordance with federal law. Please send me written confirmation of the results of your investigation and removal of the inaccurate information. Sincerely, XXXX XXXX You can submit the complaint directly through the CFPB complaint portal : Submit a CFPB Complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: TX

Complaint narrative:
I saw my credit report and noticed that there are inaccurate accounts I needed to report and correct by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I am filing a complaint regarding an unauthorized transaction dispute involving approximately {$2000.00} charged through my XXXX XXXX XXXX account in connection with a rewards redemption for a physical gold bar. I did not knowingly authorize the purchase of approximately {$2000.00} worth of points or the subsequent redemption of those points for the gold bar. At the time of the redemption, I did not have enough existing points in my account, and the system processed a charge to purchase the additional points needed to complete the redemption. I reported to XXXX multiple times that I did not authorize either the points purchase transaction or the gold bar redemption. XXXX support acknowledged in writing that I stated I did not authorize and did not select or approve the redemption. Despite my dispute, XXXX initially denied my claim without providing documentation or evidence demonstrating authorization of the transaction. I requested authorization and authentication records associated with the transaction, including device information, login/session records, timestamps, IP logs, biometric/authentication verification records, and shipping/fulfillment records. I also specifically requested that shipment and fulfillment of the physical gold item be halted pending investigation of the unauthorized transaction claim. However, the XXXX app continued to show that the item will ship soon while the dispute remained open. XXXX later stated the matter would be escalated to its XXXX team for further review, but I still have not received evidence demonstrating authorization of the transaction or clarification regarding whether fulfillment was halted after notice of dispute was provided. I am requesting review of XXXX handling of this unauthorized transaction dispute, including the authorization verification process, dispute investigation process, and continued fulfillment processing after notice of dispute was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: TX

Complaint narrative:
I have initiated a transfer in XX/XX/year> of amount XXXXXXXX XXXX to XXXX from USA via Abound app. They initially given a delivery date as XXXX XXXX and then changed to XXXX XXXX. Even after completing XXXX business days, still I havent received the amount. When I asked them for a reason they are responding with a generic answer like delayed due to slow processing and might take XXXX to XXXX more business days. Everytime they are saying this installed of proper delayed response. Even after reaching out to them via emails, no proper resolution is given. I doubt they would not deliver my amount. Below are my transaction details : Transaction id : XXXX Transaction date : XXXX XX/XX/year> Amount : {$1000.00} USD Amount to be received : XXXXXXXX XXXX Delivery date : XXXX XXXX Status : Processing

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute the closure of my XXXX XXXX XXXX account, which was terminated without prior notification. I was surprised to find the account inaccessible, as my records indicate a history of consistent payments, including an XXXX of {$160.00} on XX/XX/year>. At the time of the last statement, my account held a balance of XXXX XXXX XXXX. Because this account was closed without the required notice, I am requesting that you either : Reinstate the account and all accrued rewards immediately. Issue a check for the cash value of the XXXXXXXX XXXX XXXX to my address on file in XXXX, CA. As of the closing date of XX/XX/year>, my new balance was only {$7.00}, and my credit limit was {$16000.00}, demonstrating that the account was in good standing with minimal utilization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/year> Caine & Weiner Company , Inc . XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute and Request for Validation of Alleged Debt To Whom It May Concern, I am formally disputing the validity and accuracy of the collection account currently being reported under my name by your company. Collection Agency Name : CAINE & WEINER Account Number : XXXX Reported Balance : {$390.00} I dispute responsibility for this alleged debt and request full validation of the account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). At this time, I do not believe sufficient documentation has been provided establishing that I am legally responsible for this alleged obligation. Additionally, the reporting of this account appears incomplete, inaccurate, and unverifiable. I am requesting that your company provide the following documentation : The name of the original creditor A complete account history and payment ledger Documentation supporting the balance being claimed Any signed agreement or contract bearing my signature Proof that your company has legal authority to collect and report this account Documentation verifying the accuracy of all information currently being reported to the credit bureaus If your company can not provide sufficient documentation validating this account and establishing my legal responsibility for the alleged debt, I request immediate deletion of this collection account from all applicable credit reporting agencies. Please also note that reporting inaccurate or unverifiable information may constitute violations of the Fair Credit Reporting Act under 15 U.S.C. 1681e ( b ) and 1681i ( a ). I request that all future correspondence regarding this matter be provided in writing. Thank you for your time and attention regarding this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: WA

Complaint narrative:
The XXXX Navy Federal Credit Union, wanted to close my account permanently without an opportunity to open a new account with them which XXXX unfair because the fraudulent activity was not actually fraud because I know the person. This just happened on Friday XX/XX/2026 when started to investigate the fraudulent wire transfer money in question of {$2300.00}. To me the lack of opportunity to open a new account is unfair because everyone should have a chance to start fresh with a new bank account if they mess up and violate the banks policies with suspected fraud because the sender of the wire transfer sent the money to me to rent for college which I think is a legitimate reason to send the money and shouldnt be restricted as that person is a good friends of mine from overseas that reached out to me when asked people on my social media accounts and wanted to help me out with rent when they decided to wire transfer me the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
Dear FSA Representative, I am writing to formally request an update and correction regarding my federal student loan account. I have received official notification stating that my federal student loans are eligible for full discharge, and that the remaining balance will be forgiven. However, my loan account continues to show an outstanding balance, and this is also being reflected inaccurately on my credit report and StudentAid.gov. I sent a email and discharge attached to Moehla. I spoke to the discharge department on XX/XX/year>. It was told it would be escalated. I still have not heard anything. I spoke to a XXXX on XX/XX/year>. I was informed nothing was done since the first request. Now I am filing a grievance. At this time, my account remains in forbearance, and I have not received confirmation that the discharge has been fully processed. I am requesting the following : XXXX. Immediate confirmation that my loan discharge has been processed XXXX. Correction of my account balance to reflect a XXXX balance XXXX. Update and correction of all credit reporting agencies to reflect the discharged status XXXX. Written confirmation once all updates have been completed If there are any outstanding actions required on my end, please notify me immediately. Please treat this matter as urgent, as the continued reporting of an inaccurate balance is impacting my financial standing. Thank you for your prompt attention to this issue. I look forward to your response.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Investigation and Validation of Alleged Rental Collection Account To Whom It May Concern, I am submitting this complaint regarding a collection account being reported against me related to an alleged rental/eviction debt. I dispute responsibility for this alleged debt and am requesting full validation of the account. At this time, I do not believe the company has provided sufficient documentation establishing that I am legally responsible for this obligation. Collection Agency Name : XXXX XXXX XXXX XXXX Original Creditor/Apartment Complex : XXXX XXXX XXXX Alleged XXXX Owed : {$5300.00} I am requesting that the company provide the following documentation : A complete signed lease agreement bearing my signature Any co-signer agreement or legally binding document connecting me to this alleged debt Full payment ledger and accounting records Documentation supporting the balance being claimed Proof that the collection agency has legal authority to collect this debt If the company can not provide documentation establishing my legal responsibility for this account, I request that the collection account be removed from all applicable credit reporting agencies immediately. This account is negatively impacting my credit profile and ability to obtain financing. I respectfully request a thorough investigation into the accuracy and validity of this reporting. Thank you for your time and attention regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX my card was authorized for {$300.00} at XXXX, then processed for {$170.00} at a XX/XX/XXXX gas station. When I called the credit card company to notify of the fraudulent transaction, they promptly cancelled my card and investigated the issue. I never received notice of the claim status and received a new card in XXXX. Upon receiving the new card, I tried to activate with the provided XXXX code and received Error : unable to activate multiple times. When I attempted to access my account through my app, and attempted to activate, access to it was removed and I was unable to review any statements, information, or process any payments. I contacted the bank numerous times to gain access to my account spending at least XXXX mins on each call, being transferred back and forth between synchrony bank and their several departments and XXXX and their customer service department. None of which were able to provide me direct access to my account. I was told the card was activated several times, which was not true and I had to be transferred again, reflected active in XXXX. The card has not been used since the XXXX fraud charge. As a consumer, I requested access for XXXX months, as I believe it is my right to review- and I had not had access to since XXXX, but was never given access only becoming behind on payments. I made a payment on XX/XX/XXXX of {$180.00}, while disputing this miss payment on my credit report, via bill pay through my bank as I still was unable to process a payment directly from an online option. My account is now current, I was just granted access to make payments as of XX/XX/XXXX through my app. I am now dinged on my credit of a missed payment over 30 days which is unacceptable as I was unable to access my account after multiple attempts to recover access, which was never successful. I am also noticing that my credit limit was reduced from the original {$7500.00} upon opening to the current outstanding limit with no notice as to why this happened.

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 2026-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a notification that I had a negative impact hit my credit. I later found out it was from a debt collector for a collection of {$1600.00} from a company I never even received a bill from ( even from the supposed original creditor ). I disputed online with Experian in XX/XX/year> then XX/XX/year>. After I received the general response that it was verified and updated, I sent a certified Letter and it was signed for on XX/XX/year>. I received a dispute response by email and by XXXX that has dispute results with the same generic response that it was " verified and updated '' along with the positives on my credit. but the comment history is referencing my initial dispute in XX/XX/year>. In my certified letter I requested their method of verification and did not receive any response for the actual information I requested ( name of original creditor, proof I am legally responsible, date of service, proof I signed a contract with my signature, and evidence the collection agency has a legal right to collect ). It is important to note that I received letters in the mail regarding a data breach and my social was compromised ( not sure if this " debt '' is related ) being as though they have not provided me any proof of such debt.

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: AL

Complaint narrative:
Chime let them steal my identity and use a chime account in my for 3 months and stole my money that " was in. My account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I cant see my account balance and I want to see my balance back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
I am filing this complaint because Citibanks handling of a * * {$39000.00} wire transfer * * sent to my account has caused severe confusion, ongoing distress, and repeated misinformation. The wire transfer was sent from * * XXXX XXXX XXXX XXXX business account * * to my Citibank account on * * XX/XX/year> * *. After Citibank reviewed my account and later closed it, I was explicitly informed by Citibank that the only way for these funds to be returned was for the sending bank, XXXX, to initiate a recall request. Following Citibanks instructions : * XXXX XXXX and XXXX have made repeated efforts to recover these funds * Multiple recall attempts have reportedly been submitted * There has been extensive communication and back and forth between all parties Despite this, Citibank is now allegedly informing XXXX that the {$39000.00} has already been released or returned to me. I, XXXX XXXX, have * * never received this {$39000.00} * *, whether by : * Check * Deposit * Transfer * Cashiers check * Any other form of payment Citibanks false claims that I have been paid are deeply concerning and have caused serious consequences for me personally. Because of Citibanks inaccurate statements : * I am facing repeated threats and pressure * I am experiencing ongoing disturbances and harassment * My name and financial credibility are being unfairly affected * I am suffering significant emotional distress and XXXX I need to know why Citibank continues to misrepresent the status of these funds. Citibank must explain : XXXX. Why are they telling XXXX or other parties that I received funds I never received? XXXX. What is the true location and status of the {$39000.00}? XXXX. Why has Citibank repeatedly provided contradictory information?

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 2026-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: NJ

Complaint narrative:
I am filing this complaint against SoFi for a direct violation of Regulation E ( 12 CFR 1005.11 ) regarding an unauthorized transaction of {$660.00} on XX/XX/2026. On XX/XX/2026, XXXX sent me a written notice ( Ref : XXXX ) explicitly stating that they would not be issuing a provisional credit, claiming the dispute 'does not fall under Regulation E. ' This is a legal error. I have confirmed to SoFi that this was an unauthorized electronic fund transferI have no prior relationship with the merchant 'USO * Federal Tax Law Gr ' and provided them with my debit card information for a specific purpose. Under 12 CFR 1005.11 ( a ) ( 1 ) ( i ), an unauthorized transfer is an 'error ' that triggers the bank 's duty to investigate and provide provisional credit. Since SoFi also stated their investigation may take '90+ days, ' they are required by 12 CFR 1005.11 ( c ) to provisionally credit my account for the full {$660.00} within 10 business days of my report. By refusing to provide provisional credit while extending the investigation beyond the 10-day window, SoFi is denying me my federal consumer protections. I request that the CFPB compel SoFi to immediately issue the {$660.00} provisional credit as required by law. .

Company response to consumer: Closed with explanation