vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I am a business account holder using PayPal to receive payments from clients. On XX/XX/year>, my account was placed under limitation, and since then I have been unable to access or withdraw my funds. Currently, approximately {$45000.00} USD is being held in my account. I have been a PayPal customer for over 6 years without any prior issues, limitations, or compliance concerns. After being initially advised that the review would take approximately 5 days, I have contacted PayPal multiple times over the past two weeks to understand the reason for the limitation and to obtain a timeline for resolution. However, I have only received vague responses such as the review is in progress or we are waiting for the financial institution, without any clear explanation or expected resolution date. No specific reason for the limitation has been provided, and no documentation has been requested from my side to help resolve the issue. This lack of transparency has made it impossible for me to understand or address the situation. These funds are required to fulfill active client services and cover operational expenses. The continued restriction is causing significant financial and operational harm to my business. I am requesting : - A clear explanation for the account limitation - A defined and reasonable timeline for resolution - Immediate release of funds if no valid legal or compliance justification exists

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I wrote a full description but it was some how de to rated when I attached a copy of the screen shot. A deposit I made in the chase app was flagged as fraud and the funds were not released as expected. It caused my account to go to not overdraft. When I called in for help with this I was treated like a suspect. And transferred multiple times and eventually hung up on. Also I was advised by multiple reps the funds would be released by the end of the day.Which did not happen The expectation given was not met. And it's causing my account to go o into overdraft.Which did not happen. And it's causing a hardship. And possible extended homelessness. These are deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I am filing a complaint regarding inaccurate and potentially unlawful credit reporting and collection activity on account number XXXX, originally opened with Landmark Financial as an auto loan. The original balance of this account was {$8100.00}. The account was closed in 2023. It is currently being reported with a balance of {$9700.00}, which appears inflated and inaccurate. This account is being reported multiple times as a charge-off ( profit and loss ), which is duplicative and misleading. Additionally, the account has been sold multiple times to third parties. Despite this, I have not received any proper validation of the debt or documentation establishing a clear chain of title from the original creditor to the current reporting entity. Furthermore, no IRS Form 1099-C ( Cancellation of Debt ) has been provided, despite the account being charged off and reported as a loss. The company and/or subsequent debt buyers have also initiated legal action against me despite the presence of an arbitration clause in the original agreement, which raises additional concerns regarding compliance with applicable laws and contractual obligations. I am requesting the following : 1. Immediate investigation and correction or removal of all inaccurate and duplicate credit reporting related to this account 2. Verification of the full chain of title and legal right to collect 3. Explanation and documentation supporting the increased balance 4. Clarification regarding the absence of a 1099-C, if applicable If the company can not fully validate this account and its reporting, I request that it be deleted from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I have been contacting Randolph Brooks Federal credit union and since XX/XX/year> in regards to being overcharged or purchases. My accounts are all duplicated, and I am unable to see them on some transactions. The discrepancy between XXXX and XXXX when I submitted the dispute was almost {$12000.00}. I provided all documentation of payment and RBFCU lied about faxing over my documentation and ordered me so many cards that I never received due to mail fraud and theft. They even had to mail my cards to the local branch. I also refused to let me use member safe to them to protect myself from ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Lien Enforcement Inc
State: CA

Complaint narrative:
Sold car years ago called XXXX to remove me of liability.never had work done at XXXX XXXXXXXX XXXX I live in California. XXXX cleared all liability in 2023 till current time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Healthcare Finance Direct LLC.
State: CA

Complaint narrative:
XX/XX/year> deducted {$490.00} down payment XX/XX/year> deducted {$320.00} from debit card ending in XXXX I since close to prevent other transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing a complaint regarding Bank of America 's handling of fraudulent ACH debit transactions and charges, and failure to comply with Regulation E. I disputed fraudulent transactions that posted to my checking account prior to its closure : {$2000.00} on XX/XX/year> and {$350.00} on XX/XX/year> from XXXX ( XXXX XXXX ). These transactions were not authorized. I am a victim of identity theft and can provide supporting documentation. See attached. Bank of America denied my fraud claim without providing a case number, written confirmation, or investigation timeline, and refused to clarify reimbursement procedures. I request that the bank immediately reopen and properly investigate this Regulation E claim and issue reimbursement for the unauthorized transactions. Please confirm in writing once this matter is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist offered small business checking promotion for deposit of $ XXXX in new checking account. Terms stated that I could not have previously enrolled in 365 days PRIOR to XX/XX/year> the start of the promotion. I had not enrolled prior to that date. I got a rejection email and they changed the terms to state that i could not have enrolled in the offer in the XXXX 365 days. They changed the terms to reject the offer. I am attaching the posted offer on the website that states simply that i could not have enrolled in the bonus XXXX prior to XX/XX/year>. Per the posted terms I qualified for the bonus, see screenshot of my activity to claim bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing the collection account reported by Midland Credit Management. This account has already been disputed, yet it continues to be reported without proper verification. Under the Fair Credit Reporting Act, a reasonable investigation must be conducted, and all reported information must be complete and accurate. This account is being reported with incomplete information, including a missing account type, which makes the reporting non-compliant with FCRA requirements. Additionally, I request verification of this account, including documentation proving I am legally obligated to this debt, the original contract, and a complete payment history. If this information can not be properly verified, the account must be deleted under FCRA 611. Please investigate and remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
All the disputes that were sent were all denied. Let me explain everything. In the end of XXXX of this year, my boyfriend and I were looking at apartments. We came across this apartment that we saw was in our hometown. We immediately contacted the landlord and we believed we were in the process of getting this apartment. We are XXXX very young people, who dont know the whole process of getting an apartment. This person who was pretending to be a realtor gave us an application to fill out. We did everything he said and he was asking payments through Venmo. These payments consisted of Lawyer fees, deposits, and other fees. We did not know this person who we thought was trying to help us was a scammer. I have text messages to prove this whole thing was a scam. I need these disputes to be reviewed again because what happened to my boyfriend and I was not right. So, if you or anyone can help me, please let me know. I have the pictures to prove my money was sent to someone who is a liar, and scammer. He went by XXXX, but his accomplice is named XXXX XXXX. If you can help me, please do. Thank you, XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
To Early Warning Services Consumer Services, I am a victim of identity theft. I am writing to formally dispute fraudulent information appearing on my Early Warning consumer file. The account ( s ) listed below do not belong to me and resulted from the unauthorized use of my personal identifying information following a data breach. FRAUDULENT ACCOUNT INFORMATION TO BE BLOCKED : Financial Institution : XXXX XXXXXXXX XXXX Account/Reference Number : XXXX Reporting XXXX " Furthermore, I have contacted XXXX XXXX XXXX directly regarding this entry. The institution has informed me that they have no record of any such account in my name or associated with my Social Security Number. Since the furnisher can not verify the existence of this account, it is patently inaccurate and must be removed immediately. '' LEGAL DEMAND PURSUANT TO FCRA 605B ( 15 U.S.C. 1681c-2 ) : In accordance with Section 605B of the Fair Credit Reporting Act, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt of : Appropriate proof of the identity of the consumer ; A copy of an identity theft report. I have enclosed both my FTC Identity Theft Report ConsumerID : XXXX and copies of my government-issued identification and proof of residence. I demand that you immediately block this fraudulent information from my file and notify the furnisher ( the financial institution ) that this information is the result of identity theft. Please provide written confirmation once the block has been placed and the account has been removed from my file. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: NV

Complaint narrative:
I am writing to file a complaint regarding improper and potentially unlawful debt collection activity. While attempting to set up a XXXX XXXX feature with XXXX XXXX XXXX XXXX.I was informed there was an issue to a collection allegedly dating back to XXXX. XXXX XXXX XXXX provided info, I contacted the 3rd party collection agency, XXXX, XXXX XXXX XXXX at XXXX and was advised they have no record if any such account and do not retain records going back XXXX. I then contacted my XXXX, who referred me to another company who with out my knowledge was another 3rd party service, Fiserv at XXXX. During the call, the agent stated they were attempting to collect a debt allegedly to XXXXXXXX XXXX in XXXX I clearly explained that I do not have active collections and that I was calling only regarding a bill pay set up issue. Despite this, the agent became uncooperative, stated they would not assist me unless I paid the alleged debt & continues to insist on collecting payment. I also informed my XXXX I am currently in XXXX XXXX yet the agent continued w/ collection attempts. This conduct is deeply concerning as it appears to violate the automatic protections under Federal bankruptcy XXXX as well as the Fair Act Debt Collection Practices Act ( FDCCPA ) I have documented the interaction, including the Fiserv 's agent name is XXXX XXXX XXXX and I am prepared to provide additional details if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
XXXX M & T Bank Mortgage Account # XXXX To Whom It May Concern, I am submitting a complaint regarding inaccurate credit reporting by M & T Bank on my mortgage account. Between XXXX and XXXX, my account has been reported as past due multiple times. However, during this period, I continued making consistent monthly payments of {$1600.00} in good faith. The issue appears to have been caused by force-placed insurance added by the bank, which increased my escrow amount and created a discrepancy between the required payment and the amount I was paying. As a result, my payments were treated as insufficient, even though I was making regular payments. M & T Bank later reviewed the account and issued refund checks to me ( including {$960.00} and {$310.00} ), which indicates that there were discrepancies in how the account was calculated during that period. Despite these adjustments, my credit report continues to show multiple late payment entries that do not align with my actual payment activity or the corrected account balance. I have previously submitted written disputes to M & T Bank regarding this issue, including via certified mail. I respectfully request that M & T Bank review this matter and correct any inaccurate reporting with all credit bureaus. I have included supporting documents, including refund checks, mortgage statements, and payment history, to demonstrate these inconsistencies. I am especially concerned about the recent late payment reporting, which is directly impacting my current loan process. This matter is time-sensitive, and I would appreciate your assistance in resolving this issue. Thank you for your attention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: FL

Complaint narrative:
Greetings, I rented with another person an apartment in a community called XXXX at XXXX XXXX XXXX, apparently owned by XXXX XXXX XXXX When vacated, I gave Notice according to Lease, there was no Balance whatsoever, and the other party continued leasing. I presume a new Lease was signed, and my tenancy expired, along with any Lease I signed. There is a Debt Collector now reporting the other party 's debt, from XXXX months later, on my Credit Reports. I have written the Collector, IQ Data XXXX, to request validity of this claim and the cessation of reporting it on my report. I have not gotten any responses via phone or mail in return. I have contacted the XXXX XXXX XXXX XXXX XXXX and will do so again tomorrow, as I was told they " do not own that property or files related to it. '' My credit score for the last several years has been from XXXX - XXXX, and since I discovered this collection only by my own monitoring, I have definitely been hurt by IQ Data and XXXX, and by no fault of my own making. I did not leave or incur this debt, yet every aspect of society looks at my credit score and wonders like me : " What happened? '' Thank you for looking into the matter and possibly assisting me. Have a lovely weekend, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently found my XXXX business accounts, which had the monthly fee waived by maintaining a daily balance of {$500.00}, was charged a {$15.00} fee. I called believing it was an error.They said it was disclosed on a statement- and only there. I argued it should have been a notice on the app/website or even a letter by mail- not buried on a statement. The new terms are extremely unclear, and sound as if you are holding certain balances the fee is waived. When you log on to Wells Fargo all your business and personal accounts show- and are all linked to you and your social, despite different tax ideas. I argued that it seems a large balance account should be waiving all fees, but they want it by tax ID, which they do not disclose. I went to the bank at the suggestion of corporate to find a way to waive it given the high overall balances, and they agreed with my point and the incorrect language, but the corporate bank insists it must be by tax ID despite their wording. You can see the attached statement disclosure, and the different wording on the terms for the account, and this differs from what the branch had as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: CA

Complaint narrative:
Subject : Formal Dispute and Demand for Compensation Due to XXXX XXXX XXXX Bank XXXX XXXX Account Reference # XXXX To Credit Control LLC, XX/XX/year> I am writing to formally dispute the fraudulent debt collection activities related to the Bank XXXX XXXX account ( # XXXX ) reported on my credit file. This debt was previously charged off and written off as a loss on Bank XXXX XXXX tax returns, and it has been credited by the IRS. Despite this, Credit Control LLC is attempting to collect on a debt that is legally XXXX. This constitutes a violation and fraud on my credit profile, damaging my creditworthiness and causing me harm. Due to these unlawful actions, you owe me {$1000.00} for this violation. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
My car was in a fire and my insurance company paid out for the vehicle.I had purchased an extended warranty with the vehicle and I had already contacted the extended warranty company and canceled the coverage. I proceeded to ask santander when I was going to receive my refund check.Because my insurance company had already issued them payment. They continued to tell me that they had received the funds from my insurance.And that it would take a few weeks for those funds to clear, and then it would take another few weeks for me to get the refund now, mind you.It 's already been a month since the car caught XXXXIt 's been about XXXX weeks since they received payment.And now they're telling me, I have to wait another month before I can even get my refund check which is outrageous to me.I think that they're trying to make sure that I forget about the.Refund, so I stop bothering them.And they could just get away with taking all the money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo auto Confirmation of canceled debt and closed account ending in XXXX We've canceled the outstanding balance on your auto loan and have closed your account. We won't attempt to collect this debt from you, and you don't need to make any additional payments. If we receive any payments, we'll return them to you at the address above. What you need to know We may be required to report information about the cancellation of your debt to the Internal Revenue Service, state, and local tax authorities. For any tax questions, please consult your tax professional. We'll submit a request to the consumer reporting agencies to update your account balance to {$0.00}. It may take them 30 days or longer to update your credit report. We'll release our lien on the vehicle, if applicable. This account was charged off on the following date : XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights,

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