vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERIS BANCORP
State: AL

Complaint narrative:
I am disputing the accuracy of a {$3500.00} line-of-credit balance being collected by XXXX XXXX on behalf of Ameris Bank / XXXX XXXX 

XXXX XXXX has provided a loan agreement and partial statements but has not provided a complete transaction history, insurance adjustments, or a reconciliation showing how the balance was calculated. 

I requested a full itemization of charges, payments, and credits. XXXX XXXX  refused and closed their investigation, stating I must provide documentation to prove their balance wrong. 

This violates CFPB Regulation F and the FDCPA, which require a debt collector to substantiate the amount claimed when it is disputed. 

I am requesting that the CFPB require XXXX XXXX  to provide full validation of the balance or cease collection and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: FL

Complaint narrative:
b'I requested a Addt escrow Borrower acknowledgement from  US Bank. Signed returned by XXXX. The estimated monthly increase charges by XXXX month were $XXXX to be paid by XXXX XXXX XXXX I purchased the amount by money orders & sent Certified through XXXX XXXX XXXX Reciept. Tracking# XXXX XXXX XXXX XXXX XXXX Customer Service ph# XXXX. The funds was delivered on XXXX XXXX XXXX in XXXX XXXX MN XXXX On my Correspondence it says to send the payment to: U.S. Bank: Attn: XXXX  Admin. XXXX XXXX XXXX MN XXXX. Upon calling US Bank After XXXX XXXX XXXX This is on my receipt from the XXXX XXXX XXXX dated. XXXX XXXX XXXX  from the purchase at postal office. They estimated that the envelope should be there by XXXX XXXX  However it was delivered on XXXX XXXX XXXX.  a couple of days earlier. So I have called almost every other day after that asking why I have not received my receipt from U.S. Bank showing that they have received my payment. This is not the first time this situation has happened. This is why I purchase receipts from the XXXX XXXX XXXX due to the amounts and the peace of mind of sending it certified to U.S. Bank XXXX  Administration. I spoke w 2 reps and they said that they saw the 4 money orders totaling $XXXX  and said that they will send to the payment office to be posted. I have called on several days and they are still searching? I escalated the ordeal to the manager there who stated that she will also send to the department for research. This seems to be a issue with U.S. Bank because I had sent a payment in past also to the same address/lender who did the same thing that is going on now. I called the other day and was told that they have until XXXX XXXX to see where the funds went to? But did not offer me a complaint# or anything?  After being a victim of Fraud this past year and my last report that I made to Consumer Finance which resulted in a good resoulution and my receiving my funds back this was with XXXX  bank.  This situation is by far very disturbing and it keeps happening. So is there a issue with the addresses from U.S. Bank? I noticed that there is a XXXX XXXX MN XXXX on my original receipt from the postal service and the address states XXXX, MN XXXX I would like to send my payments especially when its regarding addt escrow and have it posted right away and my receipt acknowleging that it has been received just like I receive my receipts from paying on my morgage Moving forward . For some reason this appears to a common issue with this department. Eventhough U.S. Bank have great customer service this issue is not finding me in a good light.'

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 2026-01-25 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: NC

Complaint narrative:
I am disputing the reported account because I believe my personal information may have been compromised in a data breach, resulting in inaccurate or unauthorized information appearing on my credit file. Due to this potential breach, I am requesting that you conduct a full investigation into how this account was verified and whether the party that furnished this information had a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to access or report my data. 
Please provide the method of verification you used to confirm the accuracy of this account, including the name of the person you contacted, the date of the verification, and the specific records relied upon. If the furnisher can not demonstrate a legitimate permissible purpose or can not validate the account through proper documentation, it must be removed from my credit report pursuant to FCRA 611 and 604. 
Until proper verification is completed, I request that this item be deleted or marked as disputed.

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 2026-01-25 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: NC

Complaint narrative:
I am disputing the reported account because I believe my personal information may have been compromised in a data breach, resulting in inaccurate or unauthorized information appearing on my credit file. Due to this potential breach, I am requesting that you conduct a full investigation into how this account was verified and whether the party that furnished this information had a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to access or report my data. 
Please provide the method of verification you used to confirm the accuracy of this account, including the name of the person you contacted, the date of the verification, and the specific records relied upon. If the furnisher can not demonstrate a legitimate permissible purpose or can not validate the account through proper documentation, it must be removed from my credit report pursuant to FCRA 611 and 604. 
Until proper verification is completed, I request that this item be deleted or marked as disputed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing the reported account because I believe my personal information may have been compromised in a data breach, resulting in inaccurate or unauthorized information appearing on my credit file. Due to this potential breach, I am requesting that you conduct a full investigation into how this account was verified and whether the party that furnished this information had a permissible purpose under the Fair Credit Reporting Act ( FCRA ) to access or report my data. 
Please provide the method of verification you used to confirm the accuracy of this account, including the name of the person you contacted, the date of the verification, and the specific records relied upon. If the furnisher can not demonstrate a legitimate permissible purpose or can not validate the account through proper documentation, it must be removed from my credit report pursuant to FCRA 611 and 604. 
Until proper verification is completed, I request that this item be deleted or marked as disputed.

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 2026-01-25 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: Sezzle Inc.
State: OH

Complaint narrative:
I am submitting a complaint regarding Sezzles billing, acceleration, and fee practices, which are making repayment impossible despite substantial payments. 

My account was originally set up under a four-installment loan plan, which was presented as manageable. After missing payments for approximately one week, Sezzle accelerated all remaining installments and made the full balance due within one week. 

This sudden acceleration caused my balance to spike beyond what I could reasonably pay and directly resulted in additional late fees and penalty charges. I was not given a reasonable opportunity to cure the missed payment or return to the original installment schedule. 

As shown on my XX/XX/year> statement, my previous balance was {$1500.00}. During the statement period, I made {$810.00} in payments. However, Sezzle added {$850.00} in fees during the same period, resulting in a higher balance of {$1500.00}. Despite paying more than half of the prior balance, my account balance increased. 

These fees appear to include late payment fees, failed payment fees, and other penalty charges that accumulate faster than principal can be reduced. The acceleration of all installments after a brief missed payment, combined with ongoing fee stacking, created a situation where repayment became unmanageable. 

I contacted Sezzle seeking assistance, a hardship option, or a reasonable repayment plan, but they refused to offer any alternative or fee relief. 

This practice feels unfair and abusive because : Installment loans were accelerated after a brief missed payment Payments do not meaningfully reduce principal Fees are excessive relative to the balance Fees compound after failed or accelerated payments No reasonable repayment or hardship option is offered I believe this creates a debt trap and warrants regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CT

Complaint narrative:
For years, I have been submitting a request to sign up for auto pay which should provide a .25 % reduction in interest. Every single request has been denied. Every single time I receive the following email and no further communication : " Your request to enroll in Auto Pay has been received. Please allow XXXX billing cycles for processing. 

While waiting for a response, please continue making payments toward your loan balance as normal. 

Notification of the status of your request will be sent to you after your request has been processed. '' I have made attempts on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Case Reference : PayPal Case ID XXXX Merchant : XXXX by XXXX Disputed Amount : {$130.00} Overview : This complaint challenges PayPal 's refusal to honor a Regulation E billing error and " Services Not Received '' claim. PayPal denied my appeal with the rationale that because the transaction occurred in-store, I " had the opportunity to ensure the correct delivery of your purchase. '' This reasoning is factually impossible and deceptive. 

1. Invalid " In-Store '' Defense for Service Failure : PayPal is applying " Card Present '' rulesintended for physical goods examined at a registerto a complex service migration ( Number Porting ). 

The Reality : A number port can not be " verified '' at the moment of payment. It is a back-end network process that failed days after I left the store. 

The Failure : The merchant ( XXXX ) failed to execute the " Port-In Promotion '' at the point of sale. This failure left my number in " limbo '' for nearly a week. 

The Result : Far from " ensuring delivery '' at the store, I was forced to travel between XXXX, XXXX, and XXXX locations for five days to fix XXXX 's error myself. The service I paid for was never delivered. 

2. Economic Damages & Double Payment : Because XXXX failed to provide the connectivity I paid for, I suffered direct economic damages beyond the original charge. 

I Paid Twice for One Month of Service : I paid XXXX {$130.00} for service I never received. To recover my phone number and have a working device, I was forced to pay a second carrier for that same month of service.

Unjust Enrichment : XXXX is currently retaining funds for a service period where they provided zero connectivity, while I was forced to pay a competitor to rectify their failure. 

3. The Billing Fraud ( Regulation E Violation ) : Regardless of the service failure, the transaction amount itself is fraudulent. 

The Charge : {$130.00}. 

The Receipt : The merchants own automated SMS receipt ( provided to PayPal ) confirms the total was only {$91.00}. 

The Violation : PayPals argument that I " accepted '' the charge by being in-store ignores the objective evidence of a {$43.00} unauthorized overcharge. A customer standing in a store can not physically prevent a merchant from keying in a hidden overcharge that contradicts the receipt generated moments later. 

Resolution Requested : PayPals assertion that an in-store presence absolves a merchant of delivering the correct service or charging the correct amount is a violation of consumer protection standards. 

I demand a full refund of {$130.00} for the non-delivered service and the " Port-In Promotion '' that was never executed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: VA

Complaint narrative:
On XX/XX/year> I went to check my emails and then moved sent me an email and said that they shut my account down or suspended it for possible activity but they didn't specify anything I tried to call them and they said the department that handles this type of stuff does not respond over the phone and when I tried to access them in the app they also told me they don't respond in the app customer service that I had to wait on an email I have {$94.00} in my account and this is the account that my direct deposit goes to and I can not get into it I tried to file a complaint with you last night but you wanted my account number and when I went to venmo to access that I could not get my account number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
COLLECTION MANAGEMENT Original creditor : XXXX XXXX XXXX XXXX Account info Account name Account number Original creditor Company sold Account type Date opened Status Status updated Payment history XX/XX/year> C CollectionContact info Address Phone number CommentsCOLLECTION MANAGEMENT XXXX XXXX  XXXX XXXX XX/XX/year> Collection account. {$2000.00} past due as of XX/XX/year>. XXXX -- Data Unavailable XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX https : XXXX  {$2000.00} Balance XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 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: LA

Complaint narrative:
I saw a {$340.00} charge for XXXX  and immediately contact XXXX  to see if they can lookup the order and put a stop to it. XXXX  said they were not able to and also looked like the spammer designated the item to be sent to a hotel. I contacted chase to report the charge and get a new credit card number. 2 months later chase thinks I benefited from this when I never received the item. There is a chase offer being credited to the account for {$20.00} but chase should have clawed that back. These offers are those you can select on before purchasing from from the rotating businesses but Im unable to deselect those.

I shouldnt be penalized for a over {$300.00} purchase I didnt do especially when I commonly spend {$75000.00} a year on this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I PayPal is engaging in deceptive practices and failing to protect me from a clear fraud case ( Case ID : XXXX ). Despite returning the fraudulent item and official tracking confirming delivery to the merchant on XX/XX/XXXX, PayPal agents have repeatedly lied. On XX/XX/XXXX, they promised a refund within 10 days due to a 'system error. ' When that expired, an agent on XX/XX/XXXX falsely claimed the item was 'still in transit. ' After providing proof, they admitted the mistake but extended the deadline again to XX/XX/XXXX. This is an unreasonable delay of over 45 days for a confirmed return of {$310.00}. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: CA

Complaint narrative:
CFPB Complaint Wrongful Withholding of Business Funds by US Bank My business account at US Bank was closed on XX/XX/year>, under an allegation of fraud, even though all transactions were legitimate payments processed through XXXX  and no cash deposits were ever made.

The alleged fraud relates only to a POS terminal shipped by US Bank that was never activated, never used, and had zero transactions. The only issue was a documentation mismatch ( corporation name vs XXXX ). No fraudulent activity occurred.

Shortly before the closure, a US Bank employee mistakenly told me I had opened a new account, which I denied. This indicates an internal error or misidentification.

At the time of closure, US Bank issued two checks to me : {$47000.00} dated XX/XX/year> {$1500.00} dated XX/XX/year> Total withheld : {$49000.00} US Bank promised delivery within 10 days. I never received the checks.

After repeated disputes, I signed a notarized declaration confirming non-receipt. More than one week later, I still have no payment, no tracking information, and no explanation.

US Bank is unlawfully withholding my business funds and causing severe financial harm, including lost profits and interference with a real estate purchase.

I respectfully request CFPB assistance to force US Bank to immediately release my funds.

Name : XXXX XXXX XXXX : 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 2026-01-25 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: DISCOVER BANK
State: MO

Complaint narrative:
Made a charge XXXX. Card declined, I have proof of email. Company insists I owe them when they email from Discover say the charges were declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
Received a notice from the credit bureaus that I had an outstanding collection. I called the number they stated it was XXXX XXXX all of my children are grown. I asked them to remove that does not belong to me. I also asked them to send a validation of debt letter I was sent a notice for payment.

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 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: WI

Complaint narrative:
While I was XXXX  XXXX dollars was stolen from my account. I provided my XXXX  dates and even a police report during my dispute and rebuttal process and they refuse to make it right. The claim to be fdic insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I simply made a XXXX  account After making my XXXX  account I added my XXXX  card to my XXXX XXXX I transferred my funds of XXXX $ over to the XXXX  from XXXX XXXX  The first time I tried sending money over to my sister it did not work I tried sending XXXX $ to my sister then I sent XXXX $ Then my account was locked They made me do a verification to ensure it was me which was understandable I sent them a photo of me and my identification card ( state id ) After sending them a photo i was tested to see if my account was unlocked by sending her XXXX $ again After I did that I was not able to send money again and received a email stating my account was frozen due to the system flagging my account on its own and there was nothing XXXX  can do. This is a world wide global problem and they have not fixed it. 
My money has been locked and say it can be for up to 180 days.

Company response to consumer: Closed with explanation