vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had an account with PayPal. Then they permanently limited it. They said I can withdraw funds after 120 days. ( on XX/XX/year> ) - see attachment " account block '' I had about XXXX $ in my account. After 120 days I tried to withdraw funds, but they said its 180 days now. I came back after 180 days and see this : My balance is XXXX, and there is 2 transactions without any explanation : PayPal loss recovery XXXX {$1300.00} PayPal loss recovery XXXX {$2200.00} No chargebacks, nothing. Just they said that they had some losses and they have the right to cover this with user funds " if they suppose this was inappropriate activity '' No proofs, no documentation. When I tried to reach them several times via email, they always answer to different question, like their answers : - Decision of your account closure was final ( I didn't ask not to close it )- There was no unauthorized activity to refund ( I didn't say there was activity ) etc. I enclose my email correspondence. Sorry for CAPS, but I am very tired of this situation. ( see attachment " emails '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/year>, I made a purchase from XXXX through Capital One XXXX specifically because of an advertised promotion offering 40 % cash back ( possibly 45 %, I don't recall which ) on XXXX purchases. I would not have made this purchase at all without the promotion the advertised cash-back rate was the entire reason for the order. The order details are : XXXX Order # XXXX Order date : XX/XX/year> Order subtotal : {$220.00} Order total : {$240.00} Expected reward at 40 % : approximately {$91.00} ( approximately {$100.00} if the rate was 45 % ) The Capital One XXXX promotion instructed me to wait up to 45 days for the cash-back credit to be issued. XXXX ' return policy, however, is only 30 days. This means that by the time it became clear Capital One would not be honoring the promotion as advertised, I had already lost the option to return the books and recover my money. The structure of the promotion effectively trapped me into a purchase I would not have otherwise made. When the rewards did not appear, I attempted to resolve the issue and was met with a long, unhelpful chain of calls and emails before finally being directed to the correct line. The representative I eventually reached told me that the promotion was only for 20 %, not 4045 %. That is not consistent with what was advertised at the time I made the purchase, but I unfortunately do not have a saved screenshot of the original 40 % promotion banner to attach. The representative said they would " do their best '' to resolve the issue but I have not received any further communication, any rewards credit, any written case number, or any follow-up of any kind since that call. To summarize the harm : I was induced to make a {$240.00} purchase by an advertised promotion ; the timing of the rewards window ( 45 days ) was longer than the merchant 's return window ( 30 days ), foreclosing my ability to mitigate ; Capital One then disputed the advertised rate and ultimately stopped responding to me altogether. I am asking Capital One to ( 1 ) honor the advertised 4045 % promotional rate on the qualifying XXXX purchase and credit the rewards I was promised, ( 2 ) provide written confirmation of the resolution along with any reference or case number associated with my earlier contact with Capital One Offers, and ( 3 ) review their promotion terms to ensure the rewards-credit window does not exceed retailer return windows in a way that prevents custom ers from mitigating when rewards are not paid as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I completed payment for an Offer in Compromise on my auto loan. The payment arrived on XX/XX/XXXX and was confirmed picked up from the companys XXXX XXXX on XX/XX/XXXX. I called the company on XX/XX/XXXX and was told they still had not processed my payment and that it would take a few weeks. During that call I also verified how the payoff would affect my credit. I called again on XX/XX/XXXX and was told the payment had been received. I called again on XX/XX/XXXX and was told my balance was {$0.00}. However, no lien release had been issued and no title request had been submitted. On XX/XX/XXXX, I called again and was told for the first time that the title had not been ordered at all and that it was only being ordered today. I was also told they can not clear the lien until the title has been out for 30 days, which contradicts standard lienrelease procedures and does not match state XXXX processing timelines. The delay has prevented me from obtaining my title despite the loan being fully satisfied nearly a month ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Loan South Finance & Tax Service of Troy, LLC
State: AL

Complaint narrative:
This account is still reporting inaccurate information on my credit profile disputes 5 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio send me a sue letter and filed it at XXXX XXXX court house in Texas. I am being sued

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC 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 non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I am filing a complaint regarding Bank of Americas handling of an unauthorized credit card transaction dispute. The disputed transaction is : Amount : {$1500.00} Date : XX/XX/year> Merchant : XXXX XXXX, XXXX, NY Case Number : XXXX Card Number : ending in XXXX I did not authorize this transaction. At the time of the charge, I was physically in XXXX from XX/XX/year> through XX/XX/year>, and my 2 credit cards remained in my possession at all times. I discovered the fraudulent transaction on XX/XX/year> and promptly reported it to Bank of America over the phone. The bank initially issued provisional credit during the investigation process. However, around XX/XX/year>, Bank of America reversed the credit and concluded that the transaction was authorized or involved the physical card, despite my statement that I was outside the United States and physically unable to make the purchase. Following the denial, I contacted Bank of America multiple additional times and submitted a written follow-up dispute around XX/XX/year>, including evidence that I was in XXXX during the transaction period. Despite providing proof that I was out of the country and did not authorize the purchase, Bank of America has continued to deny or disregard my claim without meaningfully addressing the evidence provided. I am prepared to provide supporting documentation including : travel records and airfare confirmations, hotel records, Bank of America denial correspondence, and my written follow-up dispute letter. I respectfully request : 1. A meaningful reinvestigation of the disputed transaction, 2. Documentation regarding how the transaction was authenticated ( chip, contactless, mobile wallet, etc. ), 3. and reversal of liability for this unauthorized transaction. I have been a long-standing Bank of America customer and regularly use this card as my primary spending card. I am extremely disappointed that a geographically impossible transaction has not been properly resolved despite prompt reporting and supporting documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am requesting validation of the alleged debt referenced in your recent communication, including the original creditor, the total amount owed, documents proving my responsibility for the debt, and proof that your company is authorized to collect it.

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 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am unable to access my Chase credit card account online because their identity verification system repeatedly presents incorrect questions about vehicles and professional licenses that have never belonged to me. I have attempted verification multiple times by phone and also visited a Chase branch in person. Neither customer service nor the branch was able to resolve the issue or escalate it appropriately. I have repeatedly requested manual identity verification and supervisory review but have been told only to call back and try again. Because I can not access the account normally, finance charges and penalties are now accruing. I am requesting : 1. Manual identity verification by an alternative method, 2. Restoration of account access, 3. Reversal of any fees or finance charges caused by this issue, 4. Investigation into the inaccurate identity verification data being used on my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
I disputed this account and requested validation of the alleged debt pursuant to the Fair Debt Collection Practices Act. I requested : Original lease agreement Itemized accounting of charges Proof of authority to collect Documentation supporting the balance being reported Documentation bearing my signature Despite my requests, the account continues to report on my consumer report without sufficient validation being provided. The company continues reporting the account as a collection despite concerns regarding the accuracy and completeness of the information being furnished. I am requesting a proper investigation and deletion of any information that can not be fully verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I called XXXX XXXX numerous times about my payments not showing on my credit report. They suggested that the problem was with the credit bureaus not reporting it properly. I called XXXX and they said they had no reports from XXXX 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 2026-05-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: GA

Complaint narrative:
Contacted US Bank Wire fraud dept XX/XX/year> @ XXXX to report a XXXX wire fraud that I was being scammed out of that money. Advised them of issue and gave them all information requested. Then later in the day I received a call from someone in the fraud dept around XXXX. She verified some information then said that someone would email me or someone from a branch would email me " no harm letter '' to sign so that they could request the wire funds back from receiving bank. Of course time is of the essence in this situation so i called back to speak with wire fraud dept this morning and was advised such form would be mailed to me. Of course that was cause for alarm as that is not what was advised to me the day prior not to mention again time is of the essence in this situation to try and recover these funds to sending something in the mail us absurd. The customer service rep also could not even confirm if a letter or email had been sent. I then requested a manager. That manager basically just repeated information and said only the case manager could see that information and there was no way for me to speak to that person and that she would have to email them and ask them to call. Again all very frustrating when trying to get information and everything is vague and no one has answers and this is all very time sensitive.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and potentially unlawful credit reporting by Radius Global Solutions LLC related to an alleged XXXX XXXX XXXX account. I have not had any account or business relationship with XXXX XXXX XXXX since XXXX, and all obligations from that time were paid in full. Despite this, a collection account has appeared on my credit report showing an account opened in XX/XX/XXXX. This is not accurate. This account does not belong to me, and I did not open or authorize any account with XXXX XXXX XXXX in XXXX. Additionally, this appears to be a re-reporting or re-aging of a previously resolved account. I previously disputed a similar account from another collector, and it was removed from my credit report. The reappearance of this account with a new open date raises serious concerns about improper reporting practices. I contacted the reporting party and was unable to obtain valid verification of the debt. They referenced an account that had already been resolved years prior, which does not match the newly reported information. Under the Fair Credit Reporting Act, including 15 U.S.C. 1681i and 1681c, inaccurate, unverifiable, or re-aged accounts must not be reported. If this account can not be verified with proper documentation, including the original signed agreement and accurate date of first delinquency, it must be removed. I am requesting : 1. Immediate deletion of this account from my credit report 2. Full validation of the alleged debt, including the original contract and date of first delinquency 3. An explanation as to how this account was reinserted after prior removal This situation is causing harm to my credit and appears to involve either identity theft, mixed file reporting, or improper re-aging of a resolved account. If this issue is not resolved promptly, I will pursue additional remedies for violations of the Fair Credit Reporting Act.

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 2026-05-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
b'On XXXX XXXX XXXX, I made a $XXXX payment toward my SoFi loan using my debit card. This payment posted immediately to my XXXX XXXX account and appears on my bank statement as:\n\nDebit Card Purchase SOFI XXXX XXXX XXXX XXXX XXXX\n\nThis is a completed debitcard transaction. The funds left my account and were received by SoFi.\n\nDespite this, SoFi has repeatedly claimed that the payment is unacceptable proof and refuses to apply it to my loan. They demanded an ACH trace number, even though this was not an ACH payment, and my bank confirmed that no such document exists for debitcard transactions.\n\XXXX XXXX informed me that they cannot provide an ACH trace because the payment was a card transaction, not an electronic bank transfer. They provided a realtime statement showing the completed transaction, which is the only documentation that exists for this type of payment.\n\nWhen I provided SoFi with my bank statement, I redacted unrelated personal information for privacy protection.\nHowever, SoFi staff referenced information that was underneath those redactions.\n\nThis raises serious concerns about:\n\nhow SoFi accessed information I intentionally removed\n\nwhy they accessed it\n\nwhether this violates the GrammLeachBliley Act (GLBA) or California privacy laws (CCPA/CPRA)\n\nI have not received any explanation from SoFi regarding this privacy breach.\n\nBecause SoFi has failed to apply my valid payment:\n\nmy loan account shows an incorrect balance\n\nI have spent significant time trying to resolve the issue\n\nI am concerned about potential late fees, interest, or credit reporting\n\nI experienced a breach of privacy when SoFi accessed redacted information\n\nSoFi has placed the burden on me to provide documentation that does not exist, instead of performing the required internal merchant transaction trace for debitcard payments.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I have provided pictures, emails, proof of transactions between me and XXXX for a XXXX XXXX I never received from a fraudulent seller, as well as the shipping label of the fraudulent items that was sent to me by the seller at XXXX. XXXX told me that since I filed a dispute with Synchrony Bank they would be responsible for refunding me the funds to my account. And now no one will refund me the funds for a XXXX XXXX I never received. I was sent a burnt candle and dirty costume. I have provided a police report and now will get an atty and go to court because I dont have a computer! I will it pay for something I dont have! I am the customer and Synchrony Bank is treating me like the criminal! I have filed three disputes over the same case now!

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