vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Attached are my FTC Identity Theft Report, identity documents, and legal demand under FCRA 605B ( 15 U.S.C. 1681c-2 ). I demand the immediate deletion of all fraudulent accounts listed in my letter within 4 business days, as required by federal law. Failure to comply will result in me filing formal complaints with the CFPB, FTC, State Attorney General, and pursuing civil litigation for willful noncompliance under FCRA 616 & 617. You are legally obligated to block and permanently delete this information. Any refusal, failure, or delay will be treated as intentional violation of my consumer rights, exposing Experian to statutory, actual, and punitive damages, including attorneys fees. I expect written confirmation once deletions are complete.

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 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I told them there was some unauthorized transactions. They told me they would open the case they never did. Havent heard from anyone. They just give my money out like they dont care.

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 2026-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FIRST PORTFOLIO SERVICING INC
State: AK

Complaint narrative:
I paid my total visa credit card off in full and after they charged me a fee for processing which should have came off the moment I made my payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Summary : Account Type : Business Checking Account Balance : ~ {$260000.00} Subject : Account On Hold since XX/XX/year> Actions taken until now : None Notices received : Nothing Contact Method : XXXX, option 1 XXXX XXXX XXXX XXXX XXXX Nonexistent. The saga of our nearly $ XXXX in business funds being stuck began with XXXX invoice payments received via wire transfers from our customer 's XXXX XXXX account. When I couldn't access my PNC online account, I called the PNC wire department and they informed me that the account was blocked or had a hard hold. XXXX " apparently '' had sent a legal notice indicating that there was some kind of a fraud and XXXX has requested a withdrawal of funds for the XXXX wires. I say apparently as XXXX claims they never sent a legal notice, PNC insists on not sharing any documents or notices received and the deemed/assigned XXXX remains mostly unavailable to us. Including saying she will follow up at her convenience and never does. In nearly 3 months, the XXXX office has called me twice : the first time XXXX months ago and the last time being nearly XXXX weeks ago. And provided me with no meaningful information, action plan or resolution. My customer confirmed with XXXX via email that they have cancelled the wires withdrawal and closed the matter from their side. And, it is solely PNC 's responsibility to unblock the account and make the funds available to the recipient, XXXX. We have called PNC, visited local branches and most recently emailed the CEO. As of now, there no resolution or a timeline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Portfolio Recovery Associate XXXX XXXX XXXX XXXX, XXXX XXXX SUBJECT : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Dear, XXXXPortfolio Recovery Associate I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : Portfolio Recovery Associat XXXX XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
To Whom It May Concern, This letter is sent in response to your reporting of the above referenced account on my credit file. I am formally requesting validation of this alleged debt pursuant to my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I dispute the validity of this debt and request that your office provide competent evidence that I have any legal obligation to pay you. Please provide the following : The name and address of the original creditor. A copy of the original signed contract or agreement bearing my signature. A complete payment history beginning with the original creditor. Documentation proving that your company has been legally assigned or purchased the debt. Proof that the statute of limitations has not expired. Proof that your company is licensed to collect in my state. Verification that the amount reported to the credit bureaus is accurate and complete. If your office can not provide the documentation requested above, you must : Immediately cease all collection activity Delete this account from all credit reporting agencies Provide written confirmation of the deletion Please note that reporting unverified information to any credit reporting agency may constitute a violation of federal law. Until proper validation is provided, you must cease collection efforts and cease reporting this account. All future correspondence regarding this matter must be in writing.

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 2026-03-13 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: MD

Complaint narrative:
On XX/XX/XXXX I received a notification that there was a suspicious activity on my credit card there was XXXX transactions for XXXX XXXX XXXX of XXXX and other for XXXX I contacted the bank I told then about the notification and they verified that a new card was been used at XXXX XXXX I told them That I did autorized any of those transactions and they said that they will issue a credit on my account and issue a new card which they did but they refused to remove the charges in my account that I didn't authorize I also never received a paper notification of the resolution so I called today to find out and the agent limited himself to say that they denied my claim and that I have to pay that money.

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 2026-03-13 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: OH

Complaint narrative:
this is the second time PAYPAL has frozen my account and taken my money with out any explanation that makes any sense. I do not have any fraud activity not hacking. I am filing this complaint against PayPal , Inc. regarding the unjustified freezing of my account and the withholding of approximately {$900.00} in deposited funds. Without prior warning or explanation, PayPal placed limitations on my account and prevented me from accessing or withdrawing my money. Despite multiple attempts to obtain clarification from PayPal customer support, the company has failed to provide a meaningful explanation for the freeze or a clear timeline for releasing my funds. This conduct has caused financial harm and appears to reflect a broader pattern of behavior that has already resulted in regulatory scrutiny and multiple lawsuits against PayPal. Consumers depend on payment platforms like PayPal for the secure transfer and access to their funds. Freezing accounts and withholding funds without due process or proper disclosure may constitute unfair, deceptive, or abusive acts or practices ( UDAAP ) under federal consumer protection laws. PayPals actions may violate several federal consumer protection statutes, including : 1. Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ) This statute prohibits financial service providers from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ) against consumers. Freezing funds without explanation or providing consumers with no reasonable process to resolve the issue may qualify as an unfair or abusive practice. 2. Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693 This law protects consumers engaging in electronic financial transactions and requires financial service providers to handle disputes and consumer access to funds fairly. 3. Regulation E 12 CFR Part 1005 Regulation E implements the EFTA and governs electronic payment systems and consumer protections for electronic transfers. Regulatory Actions Against PayPal PayPal has previously been the subject of federal enforcement actions for improper consumer practices. In XXXX, the Consumer Financial Protection Bureau filed a federal complaint against PayPal and its subsidiary Bill Me Later alleging unfair, deceptive, and abusive practices, including misleading consumers and mishandling billing disputes. PayPal was required to refund consumers and pay civil penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 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: Block, Inc.
State: OR

Complaint narrative:
on Monday, XX/XX/XXXX of XXXX I sent a dispute to Cash app about four charges of the amount of {$83.00} that was taken out of my account on different dateson XX/XX/XXXX for some reason I was reimbursed three out of the four charges That I was disputing and I contacted Cash app about the reason for the denial on one of them and they wouldnt give me a proper reasoning and I sent them proof that the charges were being taken out with consents so now Im looking to see if I can get assistance in helping me retrieve that one charge that is missing The documents that I am submitting shows the proof that I submitted to Cash App showing that I was canceling doing business with this company, but they kept charging my cards without consent past the date of my cancellation

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This is a follow-up to my formal appeal submitted on XX/XX/year>, regarding Claim # XXXX. I previously requested a full investigation into 13 unauthorized XXXX XXXX transactions totaling {$2200.00}. Specifically, I demanded that Capital One explain the inconsistency of denying these transactions while simultaneously approving an identical {$25.00} transaction from the same source. Despite my formal appeal and a previous CFPB complaint ( ID XXXX ) that only addressed a separate, smaller issue, the company has refused to provide proof of their " investigation '' results or a validation of the debt they are now seizing from my XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Subject : Factual Billing Fraud ( Services Not Rendered ) & Deceptive Dispute Handling 1. Incident Overview : On XX/XX/XXXX, XXXX XXXX ( XXXX, PA ) billed my CareCredit account {$2500.00} for XXXX XXXX ( Code XXXX ). This work was never performed. I have provided independent XXXX taken on XX/XX/XXXX, which clearly show the XXXX remain in my mouth. This is a case of factual billing fraud. 2. Additional Merchant Failures : Defective Goods : The merchant billed {$1000.00} for a medically unwearable, defective XXXX that caused physical lacerations/injuries ( photos attached ). Insurance Bypass : The merchant performed a standard yearly cleaning but intentionally bypassed my XXXX XXXX XXXX to bill my private credit line for a more expensive " antibiotic cleaning '' without my authorization. 3. Deceptive Conduct by Synchrony Bank : On XX/XX/XXXX, Synchronys official portal notified me that my dispute ( Claim # XXXX ) for the full {$2500.00} was " APPROVED. '' I have attached a screenshot of this approval. Despite this official " Approved '' status, Synchrony failed to reverse the {$2500.00} balance. Instead, they applied a meager, bad-faith credit of {$360.00} and marked the dispute as " Completed. '' They have failed to provide a written explanation for this partial denial or why they chose to ignore documented medical evidence of fraud, violating the Fair Credit Billing Act ( FCBA ). 4. Resolution Requested : I am seeking a full reversal of the remaining {$2100.00} balance, a full refund of all accrued interest charges ( est. $ XXXX ), and for the account to be closed with a {$0.00} balance and all negative credit reporting removed. I am prepared to seek treble damages under XXXX XXXX if this is not resolved. Quick Tips for the Next Steps : Dates and Amounts : Double-check that the {$2500.00} and the dates match your screenshots exactly. The Attachments : When you hit " Next, '' make sure you upload that MASTER_FRAUD_EVIDENCE file or the specific screenshots we discussed. No Personal Info : As the screen says, don't put your full Social Security number or full bank account number in this box. They will ask for your identity verification on a separate, secure page later.

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 2026-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDOB XXXXSubject: XXXX XXXX Compliance Dispute Request for Investigation and Deletion Under FCRA\n\nTo Whom It May Concern,\n\nI am writing to formally dispute inaccurate and unverifiable information on my credit report pursuant to the Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681.\n\nThe following account is being reported inaccurately and in violation of the FCRA and XXXX XXXX reporting standards:\n\nCollection Agency: Credit Collection Services\nAccount Number: XXXXReported Balance: $XXXX\n\nI am disputing this account because the information being reported does not appear to comply with the XXXX XXXX Credit Reporting Resource Guide, which governs how furnishers must accurately report information to consumer reporting agencies.\n\nSpecifically, I request verification and validation of the following reporting elements:\n\n The Date of First Delinquency (DOFD)\n The correct Account Status and Payment Rating codes\n The original creditor and complete chain of assignment or ownership\n The date this account was placed for collection\n Verification that the balance of $XXXX is accurate and supported by documentation\n Documentation showing that Credit Collection Services has the legal authority to collect and report this alleged debt\n\nUnder FCRA 611 (15 U.S.C. 1681i), you are required to conduct a reasonable investigation of disputed information. If the furnisher cannot provide documentation verifying the accuracy and completeness of this account and confirm that it is being reported in full compliance with XXXX XXXX standards, the account must be deleted.\n\nAdditionally, reporting inaccurate, incomplete, or unverifiable information is a violation of FCRA 623 (15 U.S.C. 1681s-2).'

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
After long history of questionable delays in transaction and funds available with this jp morgan chase bank, I reviewed my balance after getting paid by my employee in XX/XX/2026 my checking balance was {$2700.00}. savings account was {$130.00}. I did transferred {$1800.00} from checking to savings. By XX/XX/2026 the bank posted all of transactions that were debit from the checking account for a total of {$1800.00}. I decided to make this complaint with simple arithmetic : beginning balance $ XXXX debits {$1800.00} cant be {$0.00} Im missing {$910.00}. in addition, by car payment was overturned and I need to pay extra fees, These bank are doing these since Ive been with them, 8 years losing money in extra fees because they delay in available balance. Im requesting a investigation on them Im cant handle them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing a complaint regarding repeated and aggressive phone calls from Ally Auto regarding a payment that was not late. I paid my auto loan four months in advance, yet I continued receiving collection calls stating that my account was past due. Even after I told them that they have the check and I received a called from a lady named XXXX stating that she had it they still said that's not our department and we do not know if you have paid. During one of these calls, a representative raised their voice and spoke to me in an aggressive and unprofessional manner. I have documentation showing the payment was made and that my account was current. I also have recorded phone calls of the egregious acts of poor customer service. These repeated calls caused unnecessary stress and appear to be improper collection practices. I am requesting that Ally review my account, correct their records, and ensure that I am not contacted in this manner again when my account is not delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Guild Holdings Company
State: MO

Complaint narrative:
Dear Guild Mortgage Manager, I am writing to file a formal complaint regarding the handling of our recent mortgage application with Guild Mortgage. While I understand that lenders must follow underwriting guidelines, the process we experienced was extremely concerning. During this process, four credit inquiries from the same company were placed on our credit report. These inquiries have negatively impacted our credit. Based on how the process unfolded, it appears that approval may not have been a realistic possibility from the beginning. If that was the case, it is troubling that our credit report was still accessed multiple times and that we were allowed to continue in a process that ultimately did not provide a fair opportunity. Our family is currently trying to secure housing, and the unnecessary impact to our credit has created additional hardship. We expected transparency, professionalism, and fair treatment throughout the process. Therefore, I respectfully request the following : A written explanation for the four credit inquiries made on our credit report. Clarification regarding the decision-making process used during our application. If any inquiries were unnecessary or improperly placed, that they be removed from our credit report. If this matter can not be resolved promptly, we will be submitting formal complaints to the appropriate consumer protection and regulatory agencies for review. We hope Guild Mortgage will address this situation professionally and provide the clarification requested. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX SUBJECT : Formal Dispute of Collection Account Under the Fair Credit Reporting Act ( FCRA ) Dear, XXXX XXXX I am writing to formally dispute the accuracy and validity of a collection account that appears on my credit report. This dispute is being made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The account in question is listed as follows : LVNV Funding LLC XXXX XX/XX/XXXX I am requesting that this account be investigated, verified, and validated pursuant to FCRA 611 ( 15 U.S.C. 1681i ). The information being reported must be accurate, complete, and verifiable. If the furnisher of this information can not provide proper documentation proving the validity of this debt including an original signed agreement and itemized accounting it must be removed immediately from my credit file.

Company response to consumer: Closed with explanation