vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: CA

Complaint narrative:
A collection agency is reporting an incorrect debt on my credit report for an apartment I previously rented. The landlord has not provided receipts, invoices, or proper deposit accounting as required under California Civil Code 1950.5. I tried to call in XXXX regarding my deposit but was never able to reach anyone. The amount the collection agency is reporting does not match the amount the landlord claims I owe. I disputed the debt, but the collector continued reporting without providing validation. Details of the Problem : I moved out of my apartment at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX on XX/XX/XXXX. I paid a {$500.00} security deposit. Under California law, the landlord was required to provide an itemized statement and receipts within 21 days. They did not provide any receipts or invoices for the charges they claim. I was reacing out since XXXX of XXXX about my deposit. I did not get any update or response until XXXX of XXXX. The landlord later stated I owed : - {$350.00} for cleaning - {$2800.00} for flooring replacement However, the collection agency is reporting a balance of {$3300.00}, which is higher than the landlords stated amount. The landlord has not explained this discrepancy or accounted for the remaining {$150.00} of my deposit. I requested receipts and documentation multiple times, and none were provided. The photos the landlord sent show only normal wear and tear ( light scuffs and surface scratches ), not damage that would justify full flooring replacement. I also received a letter from the collection agency asking if the balance was correct. I responded in writing that I do not owe this balance because the property would not respond to me or notify me on why I owed them that amount. Despite this, the collection agency continued reporting the debt to the credit bureaus without validating it, which violates the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: AL

Complaint narrative:
I was about to get my husband out of jail and I just talked to the real bind officer when I received a call for someone impersonating the bond officer I had just spoken to asking if I could send additional money to Bond My Husband out because I had just talked to the real Bond officer I sent the money XXXX separate transactions of {$400.00} equaling {$800.00} total. I have appealed multiple times with Cash App letting them know that I was scammed. I also disputed the charge with my bank, but because it was a third-party transaction I had to dispute it with Cash app. I provided a police report and a statement and multiple times they denied my appeal. Im looking to get some assistance because I was never able to get the persons information to sign a warrant. I sent a screenshot to show the transaction but its only showing XXXX, but there are XXXX {$400.00} transactions in total {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
I had a savings account at XXXX XXXX. XXXX XXXX was sold to Axos bank and all accounts transferred. I received several emails from XXXX XXXX and Axos bank telling me that my account number and login credentials would remain the same. When I tried to log in, it said my account did not exist and I was denied access. I called Axos bank twice and they said they would reset my credentials and I would be able to re-register by creating a new log in and password. However, this did not work... I have been unable to access my funds ( over $ XXXX ) for 10 days now and I am unable to pay my mortgage, and my other bills. This has created a true hardship, anxiety and financial issues. When I request to speak with a manager or a supervisor, I am told there are none - which I believe is a lie. I want to be able to access my account and retrieve my funds. I believe Axos Bank is making zero attempt to assist me and is holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I returned the shoes to XXXX but they refused to refund. They approved the return and I returned the item in the same condition as they mailed to me. They refused to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
On XX/XX/year>, I received notice from PayPal that my business PayPal account has been permanently deactivated. The notice stated only that PayPal " found unusual activity on this account that we can't support, '' with no further explanation, no specific transaction or behavior cited, and no opportunity to respond, appeal, or provide additional information before the closure decision was finalized. I operate the business as a sole proprietorship, selling precision agriculture GPS guidance equipment to farms and agricultural operations. The account was in good standing at the time of closure. There were no chargebacks, disputes, or customer complaints that I am aware of that would justify this action. PayPal is now holding {$1200.00} in funds for up to 120 days, citing the need to " cover any financial liabilities. '' PayPal has not identified any specific liabilities, pending disputes, or chargebacks that would warrant this hold. The funds represent legitimate business revenue from completed transactions. My concerns are as follows : 1.PayPal closed the account without providing any specific reason, depriving me of the opportunity to address whatever concern triggered the review. 2.PayPal is holding {$1200.00} of legitimate funds for 120 days without identifying any actual liability or risk that justifies the hold. 3.PayPal 's notice directed me to a generic " Supported Activity '' help center article rather than identifying the specific activity it considered unsupportable. 4.There is no meaningful avenue for appeal or escalation provided in the closure notice. I am requesting the following : 1.A specific, written explanation of the activity PayPal identified as the basis for closing the account, sufficient to allow me to understand the decision and address it with any future payment processor. 2.Immediate release of the {$1200.00} balance, or in the alternative, a specific written identification of the liability PayPal believes justifies a 120-day hold and the date by which those funds will be released. 3.Reconsideration of the closure decision based on the facts of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Company Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Amount : XXXX Date Opened : XXXX Complaint : I am filing this complaint to dispute a loan account that appears on my credit report which I did not authorize or open. I have reviewed my credit report and identified this account as fraudulent. I have no knowledge of this loan and did not provide any consent, application, or authorization for it to be opened in my name. This inaccurate information is negatively impacting my credit profile. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate and verifiable. I am requesting that the company investigate this matter and provide documentation that proves I authorized this loan, including any application, agreement, or signature tied to this account.

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

Complaint narrative:
This isn't a duplicate my XXXX XXXX made transactions that I didn't authorize in a XXXX XXXX and im getting denied wrongly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
On XX/XX/XXXX at around XXXX XXXX I made a dispute claim for over 50 fraudulent charges made on my PayPal account. All of which were {$100.00} dollars each for a merchant I never heard of by the name XXXX XXXX XXXX. XXXX Only about 3 hours later my claim was denied. Notably PayPal stated in their email response that their investigation would be up to 45 days, but they almost immediately rejected my claim. In addition, I've seen numerous reports by other PayPal users online who've experienced their accounts suffering the same fraudulent activity followed by the same swift rejections of their own claims made against PayPal. I tried to appeal this decision but there isn't an accessible dispute option on their website and every time I spoke with their " customer service '' team, the call was immediately forwarded to their collections department, or put on extended hold only for the call to be dropped entirely. After I realized PayPal was going to try to extract this fraudulent amount from my bank account, I contacted my bank to dispute the charges made on my account and the charges were waived. But PayPal still kept the charges on their side and having XXXX XXXX XXXX contacting me to pay the remaining debt or the situation will be " escalated. '' I spoke to their supervisor about my dispute situation and they are apparently reviewing their decision for another 30 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
My Friend XXXX XXXX who is a US citizen was at a XXXX in XXXX in colorado and lent money to a stranger at the XXXX by the name XXXX XXXX whose phone number in the USA is : XXXX. My friend loaned him USD XXXX. He gave him a XXXX XXXX worth {$100.00}. XXXX XXXX refuses to pay the balance amount to my friend and I asked him to transfer it to my account since my friend is sick. I called him multiple times and messaged him but he refused to pay up and said call the cops. I have email proof of this. If you send me an email address I can send you pictures and the entire chat history of this transaction. This is a total scam and almost comes down to intimidation. XXXX XXXX said he was waiting for his payroll to run and he doesnt have the money which is not true because banks are open in USA on Monday. Please treat this matter urgently and make sure my friend XXXX gets his money back asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
The information that was provided by the furnisher to the creditor was incorrect per their letter written which states what the issue was, no phone number was ever changed my phone number has been the same since early XXXX 's its been XXXX. In the letter from the furnisher, it clearly states this information was provided AFTER the signing of the XXXX. This information was incorrect and per the fair credit report act ( 15 U.S. Code 1681s-2 ) or ( Section 623 ) this information should be removed from my credit because it is the direct reason for the issue we are having/ Why would anyone blindly pay {$900.00} more without seeing any proof of " excessive wear and tear '' as stated in the previous reply from XXXX this information was just provided to me XXXX of XXXX. I was provided XXXX context of WHY there was an extra charge to begin with. I have also tried to pay this remaining {$700.00} balance numerous times since this information was provided to me. XXXX also has stated that they emailed me the bill and have provided XXXX evidence of that as well which I have requested as well. Why would a dealership take down your name, phone number, email and address if they were going to give that information to the creditor? This information could easily be taken care of in a matter of minutes ; I have XXXX issues with paying this remaining money since XXXX as stated. Why are you unwilling to work with me on this situation which you clearly can see was a miscommunication on the furnishers side and you can clearly see how someone turning in a lease would be confused if the dealer takes down all your information and do nothing with it as well as giving false information about just updating my information on my XXXX pass app.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-05 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing a debt collector 's authority to collect and report an alleged account. The collector has not provided documentation demonstrating ownership of the debt or a valid assignment from the original creditor. Despite lacking proof of legal standing, the collector continues to report the account as owed. Reporting and collection without lawful authority violates FDCPA 807 and 809 and constitutes deceptive collections practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$3000.00} Date Opened XX/XX/XXXX Balance Owed {$0.00} PORTFOLIO Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1500.00} Date Opened XX/XX/XXXX Balance Owed {$1400.00} PORTFOLIO Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1700.00} Date Opened XX/XX/XXXX Balance Owed {$1700.00} PORTFOLIO RC Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1700.00} Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$12000.00} Date Opened XX/XX/XXXX Balance Owed {$12000.00} XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$0.00} Date Opened XX/XX/XXXX Balance Owed {$1700.00} XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$560.00} Date Opened XX/XX/XXXX Balance Owed {$560.00} PORTFOLIO RC Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1700.00} Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX PORTFOLIO RC Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1500.00} Date Opened XX/XX/XXXX Balance Owed {$1400.00} XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$12000.00} Date Opened XX/XX/XXXX Balance Owed {$12000.00} XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$0.00} Date Opened XX/XX/XXXX Balance Owed {$560.00} PORTFOLIO RC Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance {$1500.00} Balance Owed {$1400.00} Date Opened XX/XX/XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX High Balance {$12000.00} Date Opened XX/XX/XXXX Balance Owed {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this complaint against U.S. Bank regarding the unfair and deceptive denial of a promotional checking account bonus. Approximately three months ago, I opened a new U.S. Bank XXXX XXXX account under a promotional offer valid through XX/XX/XXXX. The promotion offered a {$400.00} bonus for opening an account and completing two or more direct deposits that total {$5000.00} or more within 90 days. I successfully completed all the required activities to earn the {$400.00} bonus. According to the offer 's terms, the bonus is supposed to be credited within 60 days following the completion of all requirements. After waiting three months without receiving the funds, I contacted U.S. Bank customer service. I was informed that I was ineligible for the bonus because of a disclosure stating that the offer is void if a customer had a U.S. Bank consumer checking account in the last 12 months. The representative stated my previous checking account was closed on XX/XX/XXXX, XXXXplacing it just inside the 12-month exclusionary window. However, I explicitly called U.S. Bank to close that previous personal checking account in the middle of XX/XX/XXXX. I was never informed that it would take the bank more than two weeks to administratively process the account closure. I acted in good faith, believing my account was closed when I made the request in XXXX XXXX, which would mean a full 12 months had passed before I opened my new account under the current promotion. It is unreasonable and deceptive for U.S. Bank to use their own internal processing delays to penalize customers and disqualify them from promotional offers. I fulfilled my obligation as a consumer by requesting the closure in XX/XX/XXXX, and I fulfilled all the requirements for the new account 's promotional offer.

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 2026-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I reported this fraudulent charge on XX/XX/year>, which serves as the official filing date of my claim for {$5500.00}. Chase acknowledged the dispute within the mandatory 30-day window and issued a provisional credit on XX/XX/year>. I understand that Chase subsequently reopened this investigation on XX/XX/year>, but the 90-day investigation window for my dispute legally closed on XX/XX/year>. I continue to call and ask for updates with no one giving me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: NE

Complaint narrative:
On XX/XX/2026, a {$94.00} transaction was authorized to a merchant who failed to deliver goods and subsequently admitted to the debt in writing before obstructing all communication. I initiated a dispute on XX/XX/2026, which the bank has repeatedly denied using legacy policies that bypass current federal mandates. In a final written response dated XX/XX/2026, FNBOs Office of the President made several admissions of regulatory non-compliance : Rejection of Federal Standards : The bank explicitly claimed that " XXXX rules do not apply to purchases made using XXXX ''. This is a direct rejection of the XX/XX/2026 Phase 1 Framework, which mandates risk-management and coordination for " False Pretenses '' in credit-push payments. Admitted Failure to Investigate : The bank admitted in writing that " there is no additional documentation to provide '' regarding their investigation. This confirms the bank failed to maintain a required audit trail or conduct a " reasonable investigation '' as mandated by Regulation E. Regulatory Defiance : During a recorded supervisor call on XX/XX/2026, a manager ( Ext : XXXX ) stated that " bank policy succeeds federal law, '' which is a violation of 15 U.S.C. 1693l. Despite the merchant 's written admission of non-delivery, FNBO refuses to utilize the recovery tools provided by the XXXX federal framework, claiming they have " no further recourse ''. I am requesting a forensic audit of FNBOs dispute department for systemic non-compliance with the XX/XX/2026 fraud standards.

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

Complaint narrative:
I previously requested validation of this alleged debt, but the company failed to provide any supporting documentation. In their response to my complaint, they admitted that they are still requesting an itemized bill, which confirms that they do not currently have the necessary records to verify the debt. Despite this, the company has attempted to collect an amount that has not been verified and may be inaccurate. This is misleading and constitutes a false representation of the debt. Reporting or attempting to collect a debt without proper documentation is a violation of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, this reflects an incomplete and unreasonable investigation under the Fair Credit Reporting Act ( FCRA ), as no account should be reported or pursued without proper verification. Placing the account in a disputed status does not resolve the issue. The company has not provided any evidence of a signed agreement, full payment history, or proof of ownership of the 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 2026-05-05 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: TN

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL 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 believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
i noticed this account reporting on my credit report and i contacted midland funding and informed them that i contacted original creditor which was XXXX XXXX and explained to them that i didnt open this account that it was fraudulent.They sent paper work for me to fill out and I sent it back.I also filed a report with the FTC and with the cfpb and item was removed

Company response to consumer: Closed with non-monetary relief