vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-05 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: MI

Complaint narrative:
On XX/XX/year>, I purchased hair extensions through PayPal for approximately {$200.00} from an online seller advertising XXXX XXXX XXXX XXXX XXXX XXXX described as tight, bouncy, well-defined curls. I am a hairstylist and ordered this product for one of my clients. I have previously ordered hair from this company, which is why I trusted the product description and advertisement. However, when the product arrived, the curl pattern and density were significantly different from what was advertised on the sellers website. The product photos and description show tight, defined XXXX XXXX with fuller density. The hair that was delivered had a visibly looser, wavy texture and was noticeably thinner and less dense than the advertised product. Because the hair did not match the advertised curl pattern or density, my client was not satisfied with the product, and I was unable to use it for the intended service. As a result, I have incurred a financial loss because the product I purchased does not match the sellers advertisement. I opened a dispute through PayPal under Item Not as Described and provided photographic evidence comparing the advertised product with the product received. The seller has avoided addressing the discrepancy in the advertised curl pattern and density and instead referenced their internal return policy and installation status. However, the core issue is that the product delivered is materially different from the product advertised. Because the item received is materially different from the sellers advertised product, this qualifies as Significantly Not as Described under PayPal Buyer Protection. I am requesting that PayPal properly enforce its Buyer Protection policy and issue a refund for the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
Initially, I attempted to process a payment with a payoff date of XX/XX/XXXX, but faced issues, leading me to call your service team multiple times. On XX/XX/XXXX, I spoke with XXXX, who advised me to change the payment date. XX/XX/XXXX Talked to XXXX he stated would go through by XXXX, had to wait extra day because of weekend. XX/XX/XXXX, Talked XXXX mentioned he assured me that the initial payment would be canceled and the funds would be processed via ACH that afternoon. XX/XX/XXXX XXXX XXXX indicated it was posting and would clear the same day XX/XX/XXXX pm XXXX said large amount might cause a delay, specifying it would clear by XX/XX/XXXX. Asked her what to do if it wasnt cleared. She stated rudely not to ask something stupid. ( XXXX ) XX/XX/XXXX XXXX said to call bank to see why they stopped payment. Called XXXX talked to XXXX and Service Finance has never attempted to submit payoff. They went back from XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX called XXXX and XXXX told XXXX XXXX I attempted to pay it too early. XX/XX/XXXX talked to XXXX at service finance and said there were errors and different reps should have seen it and they didnt pay attention. XXXX said he would call me back at XXXX to let me know payment status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
I am filing this complaint regarding Chime ( issued by XXXX XXXX, XXXX. ) and their handling of an unauthorized transaction dispute under the Electronic Fund Transfer Act ( Regulation E ). On XX/XX/year>, a charge from XXXX XXXX totaling {$750.00} posted to my Chime account that I did not authorize and did not benefit from. I reported the transaction to Chime promptly on XX/XX/year> and filed a dispute. Chime denied the dispute twice. When I requested the documentation used to determine the denial, the only materials provided were my account statement and dispute intake form, which simply show that the transaction occurred and that I reported it as unauthorized. These documents do not demonstrate authorization and do not show that Chime conducted a reasonable investigation. Chime has not provided any actual authorization evidence such as : merchant authorization records recurring authorization proof transaction authentication data device or credential verification Instead, they issued a generic statement that the transaction was authorized and closed the dispute without explanation. Under the Electronic Fund Transfer Act and Regulation E ( 12 CFR 1005.11 ), financial institutions are required to conduct a reasonable investigation when a consumer reports an unauthorized electronic fund transfer and must provide the basis for their determination upon request. I am requesting that the CFPB require Chime/XXXX XXXX to : Reopen the dispute and conduct a Regulation Ecompliant investigation Provide the actual documentation relied upon to determine authorization Reimburse the {$750.00} unauthorized charge if authorization can not be substantiated I believe Chime failed to properly investigate this unauthorized transaction and improperly denied my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Climb Credit Inc.
State: TX

Complaint narrative:
In XXXX, during the height of Covid, I was looking for other options to work from home with my father who was at high risk with his health. I kept seeing advertisements for the XXXX XXXX XXXX XXXX on my social media and it was overwhelming but I decided to look into it. XXXX is a well respected school in Texas and the way the program was presented was that it was appropriate for entry/beginner level coders with little to no experience. They assured it was a high quality course that would only take 6 months and promised assistance with job placement. When talking to recruitment, myself and my mother felt pressured into applying for a private loan with her as a cosigner with Climb Credit. I did the precourse work and decided that the program seemed easy enough and officially started the program. Only once I started we were immediately thrown in to higher caliber material and ultimately was met with chaotic training with a mix of students that were entry level like myself and other students with more experience. The teaching from staff was subpar and the material was barely being brushed over. You were expected to keep up, and even though " tutoring '' was offered it wasn't enough to actually learn the material being taught ( tutors were different than the actual staff teaching the class so they were on different levels ). Overall the quality of the education did not match the quality nor level of education that was promised when I signed for the loan. I also only took out this loan based on the promise of a higher paying remote job, which did not materialize. Not to mention that my loan agreement did not clearly disclose the origination fees or the true APR for the loan. The overall process felt predatory, with little to no help from the loan company when I was intially struggling and currently still struggling with debt for a program that did not deliver the promised results.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX 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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credit Service International Corp
State: NJ

Complaint narrative:
I am filing a formal complaint against Credit Services International for continued harassment and threatening behavior in violation of the Fair Debt Collection Practices Act ( FDCPA ). After receiving collection communications from this company, I formally submitted a cease and desist request instructing them to stop contacting me. Despite receiving this request, Credit Services International has continued to contact me by phone multiple times. During one of these calls, a representative also made threatening statements toward me regarding the alleged debt. These actions constitute harassment and unlawful collection practices under federal law. I am requesting that the Consumer Financial Protection Bureau investigate this companys conduct, require them to cease all communication with me immediately, and ensure they comply with federal debt collection laws. Additionally, I request that Credit Services International provide proper validation of the alleged debt, including a copy of the original agreement and documentation showing that they have legal authority to collect on this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Charged Off Accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX Account Status : Open Balance : {$500.00} Reason for Dispute : This account is reported as " open '' and " collection '' without sufficient verification. Please verify the accuracy of this account under FCRA Section 609 ( Consumer 's Right to Access and Accuracy of Credit Information ). XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Status : In Dispute Balance : {$4500.00} Reason for Dispute : This account is inaccurately reported as " charged off '' and needs resolution as per FCRA Section 611 ( Disputes ). Additionally, under Section 605B, this account should be updated with correct status.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
CREDIT COLLECTION SERV is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLLECTION SERV 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 public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Paste this in the " Describe what happened '' box : I held a store credit card account with Synchrony Bank. I had autopay enabled on my account to ensure timely payments. In XX/XX/year>, I made a manual payment of {$500.00}, and on XX/XX/year> my autopay of {$230.00} processed successfully one day before the due date of XX/XX/year>. However, upon reviewing my XX/XX/year> billing statement, I discovered that Synchrony posted identical " ADJUSTMENT-PAYMENTS '' debit entries that reversed both my {$500.00} manual payment and my {$230.00} autopay on the exact same dates they were credited to my account. I received no notification that these payments were being reversed, no explanation for the adjustments, and no opportunity to remedy the situation before a {$29.00} late fee was charged on XX/XX/year>. This triggered a chain of {$40.00} monthly late fees assessed every single month from XXXX through XX/XX/year>, resulting in a total of {$220.00} in fees charged entirely due to Synchrony 's unexplained payment reversals. Additionally, Synchrony reported late payment marks to all three major credit bureaus XXXX XXXX XXXX XXXX which now appear on my credit report, causing significant damage to my credit score. I continued making payments throughout this period and ultimately paid the account in full by XX/XX/year>, bringing the balance to {$0.00}. The fact that I consistently attempted to make payments and eventually paid the account in full demonstrates that I was not a non-payer and that my clear intention was always to fulfill my payment obligations.

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 2026-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: SC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I, was the victim of fraud committed by Multiple checks bearing my name from XXXX were deposited into Wells Fargo account held by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my authorization, lawful endorsement, or consent. I have been informed that Wells Fargo issued written notice to instructing that XXXX XXXX could no longer deposit checks bearing my name. This establishes actual knowledge of suspicious and unauthorized activity. Despite such knowledge, your institution ( WELLS FARGO ) previously accepted and negotiated these instruments, resulting in direct financial loss to me. Pursuant to the Uniform Commercial Code, including but not limited to : UCC 3-401 Signature Requirement UCC 3-403 Unauthorized Signatures UCC 3-420 Conversion of Instrument UCC 4-401 Items Properly Payable UCC 4-406 Bank Liability and Duty of Care

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: IL

Complaint narrative:
Discover Card, XXXX, and XXXX are reporting non payment delinquent accounts. I believe that my father 's passing on XX/XX/26, caused delinquencies on his accounts and this is erroneously being reported to the XXXX 's under my name. I have taken a XXXX point decline in my otherwise excellent credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XXXX I gotlaidoff my job, I was on unemployment, so I thought I would brush up on my XXXX so I looked into XXXX XXXX XXXX to take courses, So in mean time got XXXX going , wasn't much at time, so finally got books, ready for next semester of course, Then unexpected thing had happen before I got into first weeks of study, I got real sick, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, they gave me XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, well they wanted to send me to XXXXXXXX XXXX XXXX, I refused, No money, No Insurance, ok sent me home with meds. well went thru moutions to get a XXXXXXXX XXXX, He came conclusion I had XXXX XXXX XXXX XXXX he monitored it for months, then it got to wear I could walk and breath, well Doctor did further test, My XXXX XXXX hXXXX XXXX XXXX also I had XXXX XXXX yes Very RARE XXXX in my XXXX, So XX/XX/XXXX had XXXX XXXX and they had to XXXX XXXX XXXXXXXX. Well It was impossible to be able to do any schooling at this point, I was not open to another round of schooling.Then another disaster came XXXX, I was in a XXXX XXXX XXXX XXXXXXXX which took my home, I was out of a home for about year. I stayed with my daughter, I some point I tryed talking to school about all this, but I vaguely remember it. Think I'd I never got to use my loan for schooling, I haven't been able to work again to pay what little it was something about {$1500.00} for my course. I have a case number where I communicated to Student aid XX/XX/XXXX, XXXX # XXXX. I also went thru the XXXX XXXX XXXX XXXX, That was pause because of legal, I am XXXX XXXX XXXX now and tommorrow not certain, I wont be able to work anymore so the course I started wont be needed. I would really like for this debt be forgiven and off my worry. thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-05 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: NY

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-03-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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