vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
To CFPB : I am filing a formal complaint against PayPal Holdings , Inc. for unauthorized credit card charges ( fraudulent transactions ) via its international money transfer service. On XX/XX/year>, my credit card was charged twice without my authorization by Delivery Hero Payments Single Member XXXX XXXX ( a XXXX merchant ) through PayPal : XXXX. First charge : XXXXXXXX XXXX XXXX. Second charge : XXXXXXXX XXXX I never placed any order, never authorized these transactions, and did not consent to any payment to this merchant. These are fraudulent, unauthorized transactions that constitute credit card theft. I have already attempted to resolve this issue directly with PayPal, requested a full investigation and refund, but the company failed to provide a valid explanation or reverse the charges. PayPal violated the Electronic Fund Transfer Act ( EFTA ) by failing to verify the transaction, failing to protect my account from unauthorized charges, and failing to reverse these fraudulent payments immediately. I request your immediate intervention to compel PayPal to : XXXX. Fully reverse both unauthorized charges ( XXXXXXXX XXXX and XXXXXXXX XXXX ) to my credit card, and waive all associated fees, interest, and penalties XXXX. XXXX a full investigation into this fraudulent activity and provide a written explanation XXXX. Provide a formal written resolution to this complaint within the federally required timeline I have attached the PayPal transaction screenshot as evidence to support this complaint. Sincerely, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I used Affirm to finance a service from XXXX related to VA claim assistance. The total amount financed was for services that were presented during the sales process as providing meaningful assistance with my VA claim. After using the service, the results and value did not align with what was reasonably expected based on how the service was described. I subsequently decided not to continue with any further services, including the appeal phase. I contacted the merchant to request a refund and attempted to resolve the issue directly. On XX/XX/XXXX, I sent a formal follow-up email referencing prior communication and provided a 5-business-day window for a response. As of XX/XX/XXXX, I have received no response from the merchant. I also filed a dispute with Affirm regarding this transaction, which was denied despite the unresolved service concerns and lack of response from the merchant. At this point, the merchant has not engaged in good faith to resolve the issue, and Affirm has declined to provide relief on a transaction involving a disputed service that was not delivered as expected. I am requesting that Affirm re-evaluate this matter and provide appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
NCA is falsely reporting on my credit. I have never had any accounts with them. Per my research NCA 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 explanation
Consumer complaint received 2026-04-15 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: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Lendmark Financial Services
State: GA

Complaint narrative:
I am submitting this complaint regarding my loan with Lendmark Financial Services. I believe the terms of this loan and the handling of my account have been unfair, excessive, and not fully transparent. At the time the loan was issued, I was not clearly informed of the true long-term cost, including the high interest rate and how significantly the balance would exceed the value of the collateral. As a result, I am now in a situation where I owe approximately {$7000.00} on a vehicle that is only worth around {$1500.00}. In an effort to responsibly address this debt, I attempted to voluntarily surrender the vehicle. However, Lendmark refused to accept the voluntary repossession. This has placed me in an unfair position where I am being held responsible for a balance that far exceeds the value of the vehicle, while also being denied the opportunity to reduce the debt through surrender of the collateral. I have entered into a payment arrangement in an effort to prevent wage garnishment and to address this debt in good faith. However, this agreement does not resolve the underlying issue that the balance is significantly higher than the value of the vehicle, and I am still being placed in an unreasonable financial position. I have made multiple good-faith attempts to resolve this matter, but I have not been provided with reasonable solutions such as hardship assistance, loan modification, or a realistic path toward resolution. The current structure of this loan is not sustainable and is financially burdensome given the imbalance between the loan balance and the value of the asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This is a direct and final escalation of my previous notices. Your continued refusal to provide a lawful, transparent, and verifiable explanation of your actions is not only unacceptableit is a blatant violation of federal compliance requirements and consumer protection statutes. You have failed to justify the collection, retention, or reporting of ANY data associated with my name. Your silence and lack of cooperation constitute willful negligence and knowing non-compliance. Let me reiterate with absolute clarity : I am demanding immediate, unconditional deletion of every data point, file, notation, internal record, audit log, or reported item that you can not substantiate with physical, fully compliant, legally admissible documentation. No assumptions, no automated entries, no unverifiable dataonly proof. Any record lacking full legal validation must be removed without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: KS

Complaint narrative:
that was recently transferred from XXXX XXXX XXXX ( XXXX ) to XXXX XXXX effective XX/XX/XXXX. Since the transfer, I have not received my loan number or any account access information. I am unable to create an online account or pass the automated phone system, as my information is not recognized. Despite multiple emails and follow-ups over several weeks, XXXX has failed to provide access to my account or respond meaningfully. They confirmed my correct phone number but never contacted me. At the same time, XXXX attempted to withdraw a payment of {$3800.00} on XX/XX/XXXX, which is a significant and unexplained increase from my previous monthly payment of {$2600.00}. This charge was made without prior notice, without explanation, and without giving me the ability to verify or prepare for the payment. The transaction failed due to insufficient funds. I am willing to make my mortgage payments, but I can not do so responsibly without access to my account and clarity regarding the correct payment amount. I am requesting the following : - My XXXX loan number - Full account access ( online login instructions ) - A detailed breakdown of the {$3800.00} charge - Explanation for the payment increase - Confirmation of my correct monthly payment amount - Form 1098 for tax year XXXX ( not received from XXXX ) This situation is urgent, as I currently have no way to manage or verify my mortgage account. Borrower : AH Investments XXXX Name : XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
The IRS issued a levy release for my account on XX/XX/year>. The bank has confirmed receipt but has not lifted the freeze for several weeks. I can not access my own funds despite the IRS releasing the levy. I have contacted the bank multiple times and they have not processed the release or provided a timeline. This delay is causing financial hardship. I am requesting immediate review and removal of the levy hold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2026-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
A person impersonating as an employee of XXXX of my business partners sent me details of the bank account and requested that I make a pending payment in the amount of {$2700.00}. The person was a fake individual and the funds transferred never reached my business bank partner but was withdrawn from my checking account. The fake email used was XXXX The actual email is XXXX The bank account where I transferred the funds to is below. XXXX XXXX Bank Name : CITIBANK NA Account Number : XXXX Routing Number : XXXX The fake XXXX is also using the below account details for spoofing victims. She reached out to me with the below bank details requesting more funds. That is when I realized something was not right. XXXXXXXX XXXX. Account XXXX : XXXX Wire Routing Number XXXX Please notify all parties and help get the funds back. My other bank account was hacked and {$43000.00} was removed on XX/XX/XXXX and XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to formally dispute a charge of {$6500.00} posted on XX/XX/year> on my Wells Fargo Credit Card account and to request an immediate chargeback. I am the cardholder, XXXX XXXX. I contracted with XXXX XXXX XXXX for credit funding consulting and house renovation services. This transaction was processed through a merchant processor called XXXX on behalf of XXXX XXXX XXXX. Despite full payment, none of the agreed-upon services were ever delivered to me. Grounds for Dispute : XXXX. Services were never delivered. I paid for credit funding consulting and house renovation services from XXXX XXXX XXXX. Despite my full payment, no credit funding consulting was performed, and no house renovation work was ever started or completed. XXXX. The merchant has admitted in writing that no services were provided. In an email dated XX/XX/year>, XXXX XXXX, Founder & CEO of XXXX XXXX XXXX, explicitly acknowledged that the services would not be rendered, stated that XXXX XXXX is fully entitled to a refund, confirmed he would not appeal the transaction, and encouraged initiating a chargeback. XXXX. The merchant processor misrepresented the transaction. In a second email dated XX/XX/year>, XXXX XXXX XXXX confirmed that XXXX ( the merchant processor ) falsely notified banks that credit funding consulting and renovation services were delivered without his consent. He stated this constitutes a breach of the Electronic Fund Transfer Act ( EFTA ) and unfair and deceptive practices under the Federal Trade Commission Act ( FTC Act ). XXXX. The charge is unauthorized. The transaction was processed by XXXX based on false representations made to financial institutions that services had been rendered, which is factually untrue and was made without the merchant 's authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently reviewed my credit report and noticed accounts that I believe are the result of identity theft. These accounts do not relate to any transaction made by me and I did not authorize them. I previously contacted the credit bureau regarding this issue, but the accounts are still being reported on my credit report. I am submitting my Identity Theft Report along with proof of my identity and address. FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : Unknown - XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Incorrect Name - XXXXXXXX XXXX XXXX - UNAUTHORIZED INQUIRY- PLEASE DELETE IT TODAY!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2026-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my credit card account with JPMorgan Chase ( account ending in XXXX ). My phone and wallet, which contained my credit cards, drivers license, and personal identification, were taken from me. As a result, I was not in possession of my card or device at the time the disputed transactions occurred. I did not authorize any of these charges. Additionally, some of the transactions occurred in XXXX, and I was not present in XXXX at any time. I reported these transactions to Chase as soon as I became aware of them. Initially, some of the transactions were credited in my favor ; however, Chase later reversed those decisions without providing a clear explanation or sufficient evidence that I authorized the charges. I have contacted Chase multiple times and was told my claim would be reopened and that I would receive follow-up communication, but I have not received any response. I am requesting that Chase reopen and properly investigate my fraud claim, provide the method of verification used to deny my claim, and remove all unauthorized charges from my account. I affirm that I did not authorize these transactions and that they occurred while my phone and wallet were not in my possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am filing this complaint regarding an account being reported and collected that is not owed and is the result of identity theft and/or inaccurate reporting. I have disputed this account multiple times with the company and requested full validation of the debt, including the original lease agreement, payment history, and proof that this account legally belongs to me. The company has failed to provide any sufficient documentation verifying this debt. Despite my disputes and supporting documentation, the account continues to be reported and/or pursued for collection, which is causing harm to my rental history and ability to secure housing. This is especially urgent as I am currently in the process of moving and have been negatively impacted by this inaccurate reporting. The company is in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by failing to properly investigate my dispute and by continuing to report or attempt to collect a debt that has not been verified. I have also submitted disputes to consumer reporting agencies, and while some credit reports have been updated, this account continues to appear in rental history reporting systems, which is inaccurate and misleading. I am requesting immediate investigation and correction of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: VA

Complaint narrative:
CAINE amp WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE amp WEINER is a debt collector. They are falsely reporting on my credit!! Account number is 2202 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 explanation
Consumer complaint received 2026-04-15 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
State: CA

Complaint narrative:
On XX/XX/XXXX, an unauthorized charge of {$1500.00} was made via my PayPal account for a XXXX computer. I did not authorize this purchase. The item was shipped to a fraudulent recipient name ( XXXX XXXX XXXX ) at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This address is a commercial freight-forwarding/reshipping hub and has never been my residence or associated with my account. I reported the fraud to PayPals Resolution Center, but they denied my claim because a XXXX tracking number showed the item was 'Delivered. ' PayPal failed to investigate the fact that the delivery was made to a third-party thief at a commercial reshipper, not to me. My bank, XXXX XXXX XXXX, agreed the transaction was fraudulent and froze my linked savings account on XX/XX/XXXX to block the transfer. On XX/XX/XXXX, I called PayPals debt collection line and was redirected through multiple departments. This resulted in a total dead end ; staff cited the XXXX tracking number as proof of a 'successful " transaction and redirected me back to the Resolution Center decision. A PayPal responder even acknowledged that the shipping address did not match my account records, yet they still refused to investigate the fraudulent recipient. Because the bank blocked the payment, PayPal has kept my account at a negative balance of {$1500.00} for 116 days as of XX/XX/XXXX and is now attempting to collect this as a debt. I have filed an FTC Identity Theft Affidavit and a local police report with the XXXX XXXX Police Department. I am formally disputing this debt under the Electronic Fund Transfer Act ( Regulation E ). PayPal has failed to fulfill its legal obligation to conduct a good-faith investigation into this unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OK

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief