vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
In approximately XX/XX/year> I paid a total {$3000.00} ( {$1500.00} on XX/XX/XXXX and {$1500.00} on XX/XX/XXXX ) through PayPal for freelance services contracted through XXXX 's official platform. The agreed scope of work was 8 or more XXXX videos per month and full channel monetisation at the end of 3 months, for a total contract value of {$3500.00}. I paid {$3000.00} of the agreed amount in tranches through XXXX 's official payment system funded via PayPal. The freelancer delivered only XXXX videos, approximately XXXX percent of the contracted work. The freelancer then deliberately deleted all XXXX videos from my XXXX channel by mid XX/XX/year>, removing all evidence of the work completed. The freelancer then disappeared completely with no communication and I have been unable to reach them since. I filed a dispute with PayPal which was closed without resolution and without offering me an appeal option. I called PayPal on XXXX XX/XX/year> and spoke to an agent who reopened the appeal. I was told to wait 10 days for the merchant to respond. I have also reported this fraud to the FBI Internet Crime Complaint Center and have escalated to XXXX 's Trust and Safety team who have not yet responded. PayPal 's initial handling of this case was inadequate. My dispute was closed without proper investigation, without notifying me of my right to appeal, and without consideration of the evidence that services were not delivered. As a fraud victim I was not given appropriate recourse until I called and pushed for escalation. Transaction IDs : XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I am requesting a deferment or forbearance on my federal student loan account due to financial hardship caused by unemployment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate and disputed collection account being reported on my consumer credit reports. I formally dispute the accuracy and validity of this collection account. I have requested validation of this alleged debt, and the collection agency has failed to provide sufficient documentation proving that : I legally owe this debt ; The amount being reported is accurate ; The collection agency has legal authority to collect ; The account information being furnished to the credit bureaus is complete and accurate. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), debt collectors and furnishers of information are required to accurately report and properly validate disputed debts. Despite my dispute, this account continues to be reported on my credit file, causing financial harm and damage to my creditworthiness. I respectfully request that the CFPB investigate this matter and require the collection agency and credit reporting agencies to : -Remove the inaccurate collection account from all consumer credit reports ; -Cease reporting unverifiable or inaccurate information ; -Provide proof of compliance with all applicable federal laws. If the collection agency can not provide competent evidence validating this debt, the account should be deleted immediately. Thank you for your assistance and investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
I recently reviewed my credit report and discovered a collection account listed as NATLCRSYS - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that this company has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 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: CA

Complaint narrative:
I reviewed my report and saw some accounts that don " t belong to me.

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 2026-05-17 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: CA

Complaint narrative:
I reviewed my report and saw some accounts that don " t belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Has been a problem 3 times with Synchrony bank. I applied for the XXXX card in XX/XX/XXXX. I was trying to apply for the Mastercard version, but they sent my just the store card. When I called to see if I could actually have the master card version ( that offers the benefits I actually wanted ) I was told there is no way to upgrade. I was angry, but moved on. But then this also happened when I applied for the XXXX XXXX XX/XX/XXXX, they only sent me the store version. I was today XX/XX/XXXX trying to apply for the care credit Mastercard. It is advertised all over the website, so I tried to pre-apply. I was only offered the store card. When I called the company I was told they do not let people apply for the Mastercard. This is blatant false advertising, as you can see how much they promote it. This bait and switch is awful. I spoke to a manger, and was told there is no way to the approved for the Mastercard version, even though in multiple places on the website, it says things like " You will get the prequalification decision within seconds and, if you prequalify, you can apply right away, with confidence. If you are approved, you will either be approved for the CareCredit credit card or the CareCredit Rewards Mastercard. To learn more about the CareCredit Rewards Mastercard '' and advertises widely about the points you get, but you have no way for actually applying for it according to the manager. You have to be invited after getting the lesser card, and with my previous experience they NEVER allow you to upgrade, even if you call begging. I took screenshots with the URLs so you can see how its all over the website.

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 2026-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MS

Complaint narrative:
A debt collector is reporting a rental debt of {$1800.00} related to a lease I vacated on XX/XX/XXXX, when I surrendered keys and possession. I terminated the lease under Texas Property Code XXXX due to a family XXXX incident, with written notice provided XX/XX/XXXX. The reported amount is inaccurate for multiple reasons : ( 1 ) The landlord provided the security deposit accounting on XX/XX/XXXX, outside the XXXXday window required by Texas Property Code XXXX XXXX creating a bad faith presumption under XXXX. ( 2 ) The statement charges the full XXXX rent of {$1900.00} instead of prorated rent through XX/XX/XXXX. ( 3 ) Late fees were assessed during a protected termination period, which is impermissible under XXXX. ( 4 ) This was a joint lease and no allocation of liability between co-tenants has been provided. I submitted a formal written dispute in XX/XX/XXXX with supporting documentation, and additional documentation in XX/XX/XXXX, including my written termination notice, the property managers acknowledgment, and my surrender of possession timeline. I also sent a certified mail demand for deletion in XX/XX/XXXX. Despite this, the collector continues reporting the unverifiable balance, causing me to be denied housing. They have not provided a corrected accounting, repair documentation, or any co-tenant liability allocation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I got a receipt it was paid but transunion didnt removed it shows XXXX balance not deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: NE

Complaint narrative:
There was a charge on my account for XX/XX/XXXX for XXXX. There was a charge on my account for XX/XX/XXXX for XXXX. It was supposed to be a dispute and returned back to my account but instead they approve the dispute and did a reverse refund back to the merchant last night when I was on the phone with Chime I talked to XXXX different people in XXXX different departments the charges were on my account for XX/XX/XXXX when they approved the dispute but now when you look at my account the disputes are in the datesin XX/XX/XXXX. So my thing is, how did they approve a dispute for XX/XX/XXXX but its showing up in my account for XX/XX/XXXX and my money was never returned to me as one of the workers into the dispute department told me it came to my account but they had to do a reverse refund and send it back to the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
I disputed this information through transunion. I requested the payment history.My signature and proof that they own the debt. The only thing I received was a letter back from transunion, said that the debt was mine. The company 's name is Debt Recovery Solutions. The amount is {$3700.00} The account was opened XX/XX/year>. Last reported XXXX XXXX. I'm asking for proof that this is my account, they own the debt and there was no insurance payout on this account. That they claim is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
b'On XXXX, the IRS issued my federal tax refund of XXXX XXXX ACH direct deposit. Due to an incorrect account number on my tax return, the funds were deposited into an account at JPMorgan Chase Bank, N.A. that I do not own or control.\nI contacted Chase on XXXX XXXX XXXX XXXX XXXX to report (and follow-up) the misdirected deposit and request that the funds be returned or reversed. Chase refused to assist and instructed me to resolve the issue through the IRS. The IRS has, in turn, instructed me to work with Chase.\nAs the Receiving Depository Financial Institution (RDFI), Chase has obligations under NACHA Operating Rules regarding misdirected ACH credits and unauthorized retention of funds. Chase has failed to investigate, failed to communicate with the originating agency, and failed to provide a written response to my request.\nI am requesting that Chase: (1) investigate the misdirected deposit, (2) coordinate with the IRS and the unintended recipient to reverse or recover the funds, and (3) provide a written response.XXXX - Refer to Claim ID XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
My insurance called on my behalf several times and it was CLEAR that Ni money us owed. We contacted XXXX XXXX XXXX at XXXX XXXX i had medical care.I was then billed out from XXXX XXXX and another area which i NEVER received medical. My useless pcp also referred me BACK to them in which I will NEVER EVER have any medical care EVER with them.PLEASE HAVE THEM STOP.BILL was PAID in XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
Spring Oaks Capital LLC Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX If these accounts can not be properly verified with documentation that clearly shows I am responsible for them, I kindly request that they be removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this complaint against Jefferson Capital Systems regarding a collection account being reported under account number XXXX. This account is currently appearing on my credit reports with XXXX XXXX XXXX XXXX I do not recognize Jefferson Capital Systems, and I have never established any contract, agreement, account, or business relationship with this company. I am formally requesting strict validation of this alleged debt. Jefferson Capital Systems must provide legally sufficient documentation proving that I personally opened, authorized, used, benefited from, and became legally responsible for the alleged account. A generic statement, internal account printout, or unsupported claim of ownership is not sufficient validation. I am requesting the original signed agreement or application bearing my signature, a complete itemized accounting of the alleged balance, the full chain of title showing how Jefferson Capital Systems obtained legal rights to collect this specific account, all bills of sale and assignments identifying this account, the name of the original creditor, the date of last payment, the date of default, and proof that Jefferson Capital Systems has authority to collect and report this debt. Until Jefferson Capital Systems provides strict validation, it must cease all collection activity and stop reporting or reinserting this account with XXXX XXXX XXXX, or any other consumer reporting agency. Continued reporting of an unvalidated and disputed collection account may constitute inaccurate, misleading, and unlawful credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I sent a mail in check in an envelope that Wells Fargo mailed to me. XXXX NY doesn't have a bank or ATM. I was told to put my name and account number on the the back of the check I did so. I paid for overnight service on XX/XX/year>. The envelope arrived to Wells Fargo PO Box they provided me with. The envelope arrived at XXXX XXXX on XX/XX/year> to XXXX MN and was signed for at that time. I received notification showing me the envelope was signed for and by who. I was told it would be in my account on Friday. I called that Friday XX/XX/year>. I called Wells Fargo Customer Service number to inquire about my check deposit not being processed. The representative then stated she didnt know what happened to my check. If I wanted to ask the research team to figure things out they should get back to me in ten days. Wells Fargo didnt try to credit any money to my account even though I have proof it was delivered. Instead Wells Fargo brushed me off and told me there was nothing else they could do. My check was for XXXX it was a settlement check. Wells Fargo failed to act immediately or had no concern about trying to retrieve my check. Meanwhile, I am about to be evicted as well as going through financial hardship. I had one lead from Wells Fargo state wait my ten days for the research team and hung up on me.

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 2026-05-17 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Subject : Request for Account Verification, Statement Copies, and Credit Bureau Dispute Macy 's Credit Card To Whom It May Concern, I am writing to formally dispute a negative credit reporting on my credit profile regarding my closed Macy 's Credit Card account ( issued by Citibank ) and to request an official verification of the account history. I was recently notified of a " late payment '' status, which came as a complete surprise to me. According to my recollection, I paid the statement balance in full around XX/XX/year> before traveling abroad. However, due to lost documents, I no longer have the full payment receipts and statements on hand. I believe the subsequent charge of approximately {$12.00} that triggered the bad credit was a residual interest error or an unjustified fee applied after my full payment. As soon as my family member noticed this remaining balance, the exact amount was paid off immediately, and the account was closed. To clarify this matter and resolve this dispute fairly, I respectfully request that Citibank provide me with the following documents for my review : Complete transaction and payment history for this account from XX/XX/year> through the date the account was permanently closed. Official copies of the billing statements showing how the residual charge was generated. Furthermore, since this negative reporting is causing severe damage to my credit score based on what appears to be a billing discrepancy, I request that Citibank review this history and instruct the credit bureaus ( XXXX XXXX XXXX ) to remove the inaccurate late payment tradeline. Thank you for your cooperation and prompt attention to this urgent 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 non-monetary relief
Consumer complaint received 2026-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2025 XXXX Portfolio Recovery Associates , LLC RE : Request for Debt Validation and Credit Reporting Dispute To Whom It May Concern : I am writing regarding an account that your company is reporting on my credit report. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation of this alleged debt. Please provide the following : The name and address of the original creditor The original account number The amount of the alleged debt, including an itemized breakdown of all interest, fees, and charges Documentation showing I am legally obligated to pay this debt Copies of any signed agreements or contracts associated with the account Proof that your company has the legal authority to collect this debt Until you provide proper validation of this debt, I request that you cease all collection efforts and cease reporting this account to any credit reporting agencies. If you are unable to validate the debt, I demand that the account be removed from all credit bureau reporting immediately. Please note that reporting inaccurate or unverified information to the credit bureaus may constitute a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: FCI Lender Services Inc.
State: ME

Complaint narrative:
A deferment agreement was executed on XX/XX/XXXX stating that mortgage payments from XX/XX/XXXX through XX/XX/XXXX were deferred and that regular payments would resume beginning XX/XX/XXXX. Despite this agreement, FCI continues to treat the account as delinquent and has issued foreclosure-related notices stating the account is 161 days delinquent. We resumed payments and made the XX/XX/XXXX and XX/XX/XXXX payments on time and in good faith. We dispute the delinquency calculations and accounting reflected on the account. Additionally, we recently discovered that approximately six months of mortgage payments made before FCI assumed servicing do not appear to be reflected in the loan accounting. Payments were made to XXXX XXXX through the XXXX payment platform at approximately {$1500.00} per month beginning in XX/XX/XXXX until FCI assumed the loan servicing. At this time, only the {$20000.00} down payment appears properly reflected. We possess payment records and banking documentation through XXXX showing these payments were made. We are requesting a complete loan transactional history, servicing transfer accounting, payment ledger, payoff accounting, and explanation of how the current balance and delinquency status were calculated. We also dispute any inaccurate credit reporting associated with this account. Despite multiple attempts to obtain clarification and accurate accounting information, we have not received sufficient explanations or corrected accounting records.

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