vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/2024, I sold a clothing item for approximately {$1100.00} USD through PayPal. After receiving payment, I took about one week to prepare and ship the item. During that time, the buyer opened a dispute, even though I was already in the process of shipping the package. The item was shipped around XXXX XXXX, XXXX, and tracking was created and later updated to show delivery. I also communicated directly with the buyer, and we resolved the situation between ourselves once the item was shipped and received. However, before I could formally respond to the dispute through PayPal, my account became restricted, which prevented me from addressing the case within their system. PayPal then closed the case in the buyers favor and debited approximately {$1100.00} USD from my account, even though the item had already been shipped and delivered. This resulted in a negative balance, which I have since paid back in full. I attempted to contact PayPal multiple times through their email support to explain the situation, but I did not receive meaningful assistance. Additionally, my account has since been permanently limited/banned, and I believe this action was taken despite the transaction being completed and resolved between both parties. I am requesting a full review of this case and respectfully asking for the removal of the permanent limitation on my account, as well as reconsideration of the outcome given that the item was delivered and the funds were still withdrawn.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1681c-2 ) that you, the Transunion ( Fraud Victim Assistance Department ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and are a result of fraud that I did not authorize : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ]. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2026-04-27 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: GA

Complaint narrative:
On XX/XX/year>, I purchased XXXX XXXX for {$850.00} through PayPal. On XX/XX/year> at XXXXXXXX XXXX, I attempted to transfer XXXX XXXX ( valued at approximately {$830.00} ) to an external crypto wallet address. PayPal blocked and failed this transfer without any explanation or prior notice. The XXXX was returned to my PayPal crypto holdings. Because I was unable to transfer my crypto off the platform as intended, I was forced to sell my XXXX through PayPal instead. On XX/XX/year> at XXXX PM, I sold XXXX XXXX and received only {$800.00} a loss of approximately {$22.00} compared to the value at the time of my attempted transfer ( {$830.00} ), due to PayPals interference. PayPal provided no reason for blocking the transfer. I was not given an opportunity to resolve the issue before my ability to move my own assets was restricted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: SC

Complaint narrative:
Wouldn't allow me to get back into my original cash app account that had i know at least XXXX in it and when I tried to make a new account it would automatically deny me of one again I did nothing wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I am filing this complaint against LVNV Funding LLC for failure to conduct a reasonable investigation and for continuing to furnish inaccurate and/or unverifiable information in violation of the Fair Credit Reporting Act ( FCRA ). I disputed the accuracy and validity of an account reported by LVNV Funding LLC through the consumer reporting agencies. This dispute triggered LVNVs duties under 15 U.S.C. 1681s-2 ( b ) to conduct a reasonable investigation, review all relevant information, and verify the accuracy of the reported data with competent documentation. LVNV Funding LLC responded by verifying the account ; however, no competent documentary evidence was ever provided to substantiate the alleged debt, ownership, or the accuracy of the information being reported. The account continues to be reported despite being disputed and without proper validation. Based on the response and continued reporting, it appears LVNV did not conduct a reasonable investigation as required by law. Instead, they relied on automated or superficial verification methods, which do not satisfy their obligations under the FCRA. As a result, LVNV Funding LLC is in violation of : - 15 U.S.C. 1681s-2 ( b ) for failure to conduct a reasonable investigation after receiving notice of dispute - 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) for failure to correct or delete inaccurate or unverifiable information - 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) for continuing to furnish information that can not be verified Their actions have resulted in the continued reporting of inaccurate, incomplete, or unverifiable information on my consumer report. I am requesting that LVNV Funding LLC : 1. Provide competent documentary evidence supporting the alleged account, including ownership and full chain of title, or 2. Immediately delete the account from all consumer reporting agencies if such verification can not be produced This complaint is submitted to document LVNVs noncompliance and to seek correction of the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 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: Avant Holding Company, Inc.
State: GA

Complaint narrative:
1. AVANT -- Acct # XXXX Issue : The account is inaccurately reported as a charge-off and collection. The status and balance do not reflect the current state of the account as per my records. Relevant Law : 15 U.S.C. 1681e ( b ) Accuracy of report 15 U.S.C. 1681i ( a ) Reinvestigation of disputed information XXXX XXXX 3 Reporting of credit status TILA Truth in Lending Act for billing errors Demand : Please verify the accuracy of this account or remove it from my credit report within 30 days. Provide documentation to support the current reporting status.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NM

Complaint narrative:
I am writing to formally demand validation of the collection account referenced in your recent correspondence. Under the rights afforded to me by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I request that your office provide complete and verifiable documentation confirming the legitimacy of this debt. This validation must include, at a minimum : The full name and address of the original creditor, The original account number, A detailed accounting of the total amount owed, including principal, interest, fees, and any other charges, A complete payment history, and Proof that I am legally obligated to pay this debt, including a signed contract or other authoritative documentation. Until such validation is provided, you are legally required to suspend all collection activity and refrain from reporting this account to any credit reporting agencies, as mandated by law. This request is made to ensure that the information you are reporting is accurate, lawful, and not the result of an error, misunderstanding, or fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Company : Midland Credit Management , Inc . Issue : Continued collection of disputed/fraudulent debt and improper litigation activity COMPLAINT I am submitting this complaint regarding continued collection activity by Midland Credit Management on an account I have repeatedly disputed as fraudulent and provided proof in a police report. After Midland Credit Management purchased this debt from the original creditor, they increased the amount multiple times in efforts to collect higher amounts. I notified the company multiple times that the account was the result of fraud and provided supporting documentation, including a police report and related materials. These documents were also submitted to the court and are part of the official record. Despite this, Midland Credit Management continued collection efforts and litigation over a period of approximately 2.5 to 3 years. A default judgment was previously entered against me because after providing the police report, I was told by Midland Credit Managements attorney- that I did not have to attend the scheduled hearing because they were dismissing the case. They did not submit a motion to dismiss, so there was a default judgment because I did not show up- but the default judgement was later set aside by court order in XXXX XXXX on XX/XX/2025. Despite the judgment being set aside and the case remaining active, collection activity continued, Midland Credit Management, LLC- through their attorneys at XXXX XXXX XXXX XXXX XXXX including an attempted wage garnishment filed in a different county- XXXX XXXX while the case was still pending in XXXX XXXX . I have been required to attend multiple court hearings ( five appearances ), resulting in significant time loss and expense. The case has also been continued multiple times since XXXX, further prolonging the matter. Additionally, I am currently undergoing treatment for XXXX XXXX XXXX XXXX, which has made the continued litigation and collection activity especially burdensome. Most recently, the company requested that I submit a fraud packet requiring highly sensitive personal information, including my full Social Security number and drivers license details. I have already provided documentation supporting my fraud claim multiple times and am not comfortable providing such sensitive information via unsecured email. ISSUES * Continued collection activity after dispute of fraudulent debt * Failure to properly validate the debt * Litigation pursued despite fraud documentation * Attempted garnishment after judgment was set aside * Repeated delays and continuances prolonging the case * Request for sensitive personal information without appropriate safeguards knowing the identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/year>, U.S. Bank imposed an undisclosed daily transaction limit on my debit card, blocking purchases after 25 transactions in a single day. I am a customer in good standing with over {$30000.00} in available funds and no history of fraud, disputes, or account issues. When my card was declined, I contacted U.S. Bank customer service and spent several hours on the phone across multiple representatives and supervisors. No representative was able or willing to : Identify the specific policy under which this limit was applied Explain why the limit was placed on my account Remove or adjust the limit despite my account being in good standing Provide written documentation of the policy As a direct result, I was forced to use alternative payment methods, including a credit card from a different financial institution, to complete legitimate purchases. This caused significant inconvenience and unnecessary expense. What I believe is the issue : U.S. Bank 's deposit account agreement and disclosures do not, to my knowledge, clearly disclose a 25-transaction daily cap on debit card purchases. If such a limit exists, it appears to be undisclosed to consumers at account opening and unavailable to frontline staff for review or adjustment. This raises concerns under Regulation E and general principles of clear disclosure for deposit account terms. If this is a fraud-related hold, U.S. Bank failed to notify me, failed to provide a path to verify my identity and resolve the hold, and failed to document the reason when asked directly. Resolution requested : Immediate removal of any undisclosed transaction-count limits on my debit card Written explanation of the specific policy or fraud rule that triggered the block Confirmation in writing that no similar undisclosed limits remain on my account Review of U.S. Bank 's disclosure practices regarding debit card transaction limits

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 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have been a loyal customer with Chase for over 10 years. On approximately XX/XX/year>, my account was closed abruptly and without prior notice. This closure occurred immediately after I disputed several unauthorized charges from XXXX, XXXX, and XXXX. I am currently locked out of my online banking portal and can not access messages or transaction history to defend my case. On XX/XX/year>, a " returned deposit '' of {$1300.00} was deducted from my account. I did not withdraw these funds, nor have I received an explanation for this deduction. Furthermore, my recent fraud disputes were denied. I have conducted my own investigation and have evidenceincluding my work schedule and phone location datathat proves I did not authorize or participate in these transactions. I believe the bank failed to conduct a proper investigation as required by law and chose to close my account rather than address the fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted US Bank via chat to inquire about closing my credit card account XXXX XXXX and receiving a refund of the annual fee. I was informed by the chat agent that : XX/XX/XXXX was the last day to close the account and receive a full annual fee refund If I closed after XX/XX/XXXX, I would receive a prorated refund I confirmed this information multiple times during the chat Based on this information, I decided to close my account a few days after XX/XX/XXXX ( approximately XX/XX/XXXX ), expecting to receive the promised prorated refund. When I called to close the account, I was told that a prorated refund was not possible, contradicting what I had been told in the chat. The representative said they would open an investigation and someone would call me back within 48 hours. No one from US Bank has contacted me despite this promise. Issue : Misinformation provided by customer service regarding refund policy, failure to honor stated policy, and failure to follow up as promised. Requested Resolution : Prorated annual fee refund as originally promised by your chat representative, in accordance with California consumer protection laws.

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 2026-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
I am filing a complaint regarding inaccurate escrow account management and analysis by Rocket Mortgage. In both my XXXX and XXXX escrow analyses, I have identified repeated discrepancies that materially affect the calculated escrow shortages and my monthly mortgage payment. The issues include : Large inconsistencies between estimated and actual beginning escrow balances across consecutive years Duplicate or misaligned tax disbursement entries appearing in multiple months Overlapping or potentially duplicated insurance charges within the same billing cycles Irregular escrow payment postings, including what appears to be duplicate deposits A significantly overstated escrow shortage of {$1500.00} based on questionable projections After reviewing and reconstructing the escrow calculations using actual disbursement data, the shortage appears to be substantially lower than reported. Despite these concerns, the lender has increased my monthly payment based on what appears to be an inaccurate escrow analysis.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: DC

Complaint narrative:
I am writing to formally dispute the above-referenced account, which is being reported under my name and/or Social Security number. I have reviewed my records and have determined that this debt does not belong to me. I request that you provide full validation of this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, including : The original creditors name and address The original account number A copy of the signed contract or agreement bearing my signature A complete payment history and itemized breakdown of the amount claimed If you are unable to provide proper validation, you must immediately cease collection efforts and remove this account from all credit reporting agencies to which it has been furnished, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Additionally, if this account was opened fraudulently, please treat this letter as notice of potential identity theft and provide instructions for any further documentation you require. Please investigate this matter and provide written confirmation of the deletion of this account within XXXX days. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Block, Inc.

Complaint narrative:
XXXXI have an account with Cash App. I was not able to sign into my account XXXX XXXX Cash App told me to create new account, so I did. XXXX XXXX XXXX XXXX this did not work either. My son sent XXXX to old Cash App. I was told, they cannot transfer funds into any account. They claimed that they Needed to speak to my son about getting refund, as the XXXX Cash App denied his request & refuses to issue credit for XXXX have called Cash App about XXXXtimes, since They will not help.'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Klarna AB
State: TN

Complaint narrative:
I have a debt of XXXX dollars that was sent to collections. I have been disputing a transaction with Klarna since XX/XX/XXXX. I have sent numerous emails. I called and spoken to customer support who could not help and made my klarna account ( which was in good standing a big mess ). they never listened and purposely messed my account up. they opened a dispute against the merchant but then closed it. I checked the app every day. I was confused. they then said oh the dispute team sends an email anywhere between XXXX and XXXX days. I asked how im suppose to track when the message will come because I get numerous emails a day. they told me they didnt know. I had to call and open a dispute again. this time checking daily. I sent all emails that I had proof the merchant was suppose to refund me. they closed the dispute and said the merchant resolved the issue which they HAD NOT. I had once again had all my emails and proof that this was not resolved and that the merchant did not fix it. klarna told and reassured ( and I know they record calls so I know they can play them back ) when they told me this purchase was frozen and I did not have to worry or pay anything because they reported they needed to wait on the merchant. I asked would it affect my credit or who could I tell because it was reflecting as late although I was still working on the agreed refund. they said NO. they said nothing would be reported. I asked to re open the dispute because I still did not have my refund. first, they told me they couldnt ( off their own mistakes ). then klarna set a dispute for a " return ''. i immediately told the lady I didnt have a return and she said " I dont know how else to open a new dispute but dont worry, they fix it. Now how if in XX/XX/XXXX, I have email proof I was still resolving the transaction and refund with the merchant and continuously emailing klarna dispute team and no response in XXXX months. That the end of XXXX. No call or anything. They report this to collections. Freeze my account. Ruin my credit and then wipe their hands clean. I call and customer support says she doesnt know what to do. I want to report them and im following what it said to do online but I may seek legal action too because this has caused me a lot.

Company response to consumer: Closed with explanation