vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I am filing a complaint regarding a fraudulent transaction conducted through XXXX  in the amount of {$45.00} on XX/XX/year> from user @ XXXX. 

The payment was sent as a deposit for an item listed on XXXX XXXX. The seller engaged in deceptive practices, including : Providing a false address for local pickup Pressuring me to send payment quickly and suggesting alternative payment platforms Disappearing immediately after receiving payment Removing the listing and becoming unreachable When my husband went to the provided address, the residents confirmed they had no knowledge of the item or seller. 

This was a clear case of fraud and goods not received. 

I reported this to XXXX, but they refused to investigate the transaction, stating they could not review the issue because my account had been closed. This response is unacceptable, as the fraudulent transaction occurred prior to account closure. 

XXXX  has an obligation to investigate fraud occurring on its platform regardless of account status. 

I am requesting : A formal investigation into this transaction Reimbursement of the {$45.00} Review and appropriate action against the recipient account I have supporting documentation, including transaction records and details of the fraudulent interaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-22 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: VA

Complaint narrative:
many fraud transactions that company denies them and its a lie these transactions are fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Payward Ventures Inc. dba Kraken
State: OH

Complaint narrative:
I am filing this complaint against Kraken ( Payward , Inc. ) for unlawfully restricting my account and withholding approximately {$260.00} USD in cryptocurrency assets without explanation. 

On or about XX/XX/year>, my Kraken account was restricted without prior notice. At the time, the account held approximately {$260.00} USD in digital assets. 

Despite multiple attempts to contact Kraken support in good faith, I have received no substantive response for over 3 weeks. Kraken continues to retain my funds without providing a clear explanation, timeline, or resolution. 

I am requesting immediate restoration of account access or release of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Please Note : : This is a Follow up on my 2 previous complaints which the company, Wells Fargo Home Mortgage, stated that they are " still working through it ''. The complaint # 's are : XXXX and XXXX. Wells Fargo is sending massive communication to my old address, I believe in an attempt to prove that they are " trying to resolve this '' - which is the property that I sold, and they know I sold it. They know that I am not receiving the communications from them, and they refuse to contact me via email. No one from Wells Fargo has reached out to obtain a new address, and banks do not forward mail. The buyer of my property sent me photos of mail from Wells Fargo, AND XXXX  XXXX, ( the company they sold my mortgage to, along with many others, and are alleged to have overstated the mortgage amounts on the mortgages that they sold to XXXX ). I have reached out for legal counsel to forward with a lawsuit. The complaint is below. Please add this information to the complaint " Wells Fargo is sending massive communication to my old address, I believe in an attempt to prove that they are " trying to resolve this '' - which is the property that I sold, and they know I sold it. They know that I am not receiving the communications from them, and they refuse to contact me via email. No one from Wells Fargo has reached out to obtain a new address, and banks do not forward mail.

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 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
Identity theft report FTC report number XXXX. Cease and desist letter to company Account XXXX : XXXX. 
Until company provides proper validation, company must cease all collection activities on this account. 
Additionally, I request that you cease all communication with me except to provide the requested debt validation documentation or to notify me of specific legal action, as permitted under the FDCPA.

Any further attempts to collect without proper validation may constitute a violation of federal law and will be documented and reported to the appropriate regulatory authorities, including the Consumer Financial Protection Bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by Barclays following an account servicing transition. 

In XX/XX/year> Barclays acquired the credit card account and, during this transition, my previously active autopay enrollment was effectively disrupted or unenrolled without clear and adequate notice. I had a long history of on-time payments and relied on autopay specifically to ensure no missed payments. 

In XX/XX/year> Barclays reported a 30-day late payment to the credit bureaus. Prior to this, my credit score was approximately XXXX with no late payment history. This single reported late payment caused a significant drop in my score despite my otherwise flawless payment record. 

The only outreach I received was a vague text message stating they needed to get ahold of me, which appeared indistinguishable from routine marketing communications and did not clearly indicate that autopay had been canceled or that a payment was at risk of becoming delinquent. I was never clearly informed that my autopay enrollment had changed as a result of the account acquisition. 

Once I became aware of the issue, I immediately disputed the late payment and contacted the creditor. I also submitted disputes with the credit bureaus and a written letter explaining that the delinquency was directly tied to the servicing transition and autopay disruption, not a failure or pattern of nonpayment on my part. 

Despite these facts, Barclays has refused to remove the late payment, continuing to report it as accurate even though the delinquency appears to have resulted from their system and servicing changes rather than consumer negligence. 

This reporting has caused measurable credit harm, lowering my score from approximately XXXX to around XXXX initially, and continues to impact my creditworthiness despite my otherwise exemplary payment history. 

I am requesting that Barclays conduct a formal investigation into the autopay status during the account transition, review their notification practices during the acquisition period, and correct the reported late payment with all credit bureaus due to the procedural disruption caused by the servicing change. 

I am not disputing a legitimate missed payment pattern ; I am disputing the accuracy and fairness of reporting a delinquency that resulted from an autopay disruption during a creditor acquisition without clear disclosure or consumer consent.

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 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
Southwest credit system lp has not provided me with proper debt validation for this alleged debt, I requested the original contract with my signature, I also requested my payment history and proof of debt assessment, southwest credit system lp has not provided this information please delete this from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: MN

Complaint narrative:
Cash app has a big lawsuit for fraud, and i've been dealing with cash app for quite some time, and I would like to be reimbursed

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
The contractors sales representative arranged my GoodLeap home improvement financing and misrepresented the project and the loan terms. On XX/XX/year> the sales rep told me I qualified for a special government or energy-efficiency program and that I needed to sign the financing immediately or I would lose the opportunity. I later found out no such program exists. 
During the financing process, the sales rep placed me on a video-style confirmation call and instructed me exactly what to say. I repeated what the rep told me because I was being coached, not because I fully understood the financing. 
After the loan application was submitted, the contractor changed key project specifications without my approval, including switching the agreed XXXX XXXX concrete to a lower XXXX mix. They issued multiple conflicting invoices, refused to provide required documentation, and pressured me to sign completion paperwork the same day the concrete was poured even though the job was not finished. 
When I requested an itemized invoice, warranty information, documentation, and proof of the government program, the company could not provide anything. I do not believe the financing reflects the actual agreement, and I asked that the loan not be released.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
Jefferson Capital has been trying to collect a debt that can not be verified. This debt was removed on XX/XX/year>, but has been resurfaced with the same information. Please remove this immediately and rectify that it does not reoccur.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I HAVE RECEIVED A COLLECTIONS ON MY ACCOUNT MULTIPLE TIMES WITHOUT RECEIVING NOTICE OF DEBT SO I CAN PROPERLY VALIDATE THE DEBT AND DISPUTE THE COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Halsted Financial Services, LLC.
State: TN

Complaint narrative:
I am constantly getting XXXX  via phone calls and emails daily. Even after hours. Claiming I owe money for furniture

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency.

I have never been notified of this collection action or that I owed the debt.

This letter is to inform you that I have the right to request i validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I Have a Sam 's Club consumer credit card with Synchrony Bank. I also had several other credit cards with them. I clearly told them on XX/XX/XXXX of this year to close all of them, but the Sam 's Club card. I had about a little over XXXX dollars worth of food coming on that card, and I and NO WAY asked or authorized that card be closed. When I called they bough up my typing to the representative, and they said yes it clearly said close all accounts accept the Sam 's Club account. However, since I called XXXX XXXX XXXX, past XXXX hours they said there is nothin they could do ; or simply did not care. They said they could give me an address to e-mail me, and I said no. I contacted my attorney, and they said we will use this method first before taking further action since FCRA was clearly violated.

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 2026-02-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: LA

Complaint narrative:
Could not talk to a live person when funds were an issue of being transferable or missing. This was not disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.

Complaint narrative:
Hello from a deported customer, Subject : life in danger. Emergency assistance needed by citibank checking account holder. No replies of emails or calls. 


Dear Citi Bank, My checking account is in California at XXXX XXXX XXXX. I got no replies from your customer service. I am deported from XXXX to XXXX. My Citibank complain number is XXXX. 

Contact info : I am not in XXXX. My mobile phone number from XXXX is as follows. XXXX And XXXX My email is : XXXX Background : I was in jail since XX/XX/XXXX and released on XX/XX/XXXX after doing my time. Now I am deported to XXXX. 

At the date of arrest my available balance was around {$41000.00}. How do I get it back. 

XXXX : I need my hard earned money. 
XXXX : I need a complete bank account statement XXXX : I need you to help me on emergency basis as my mother is ill. Her life is in danger. She needs XXXX. I need my money to buy XXXX and health care for her. 

My details are : Parent branch : Citibank, XXXX XXXX, CA My name : XXXX XXXX My XXXX : XXXX My home address : XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX My current address in my home country : Plot # XXXX XXXX XXXX XXXX, XXXX commercial area, phase 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 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I am submitting this complaint to formally dispute a collection account that is appearing on my consumer credit report that does not belong to me. I do not recognize this account, I have never had a financial relationship with this creditor, and I have no knowledge of the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation and verification of this alleged debt. Specifically, I request the following : 1. Proof that I am the individual legally responsible for this debt, including a signed contract, application, or agreement bearing my signature.

2. The name and address of the original creditor, including the original account number.

3. An itemized accounting of the amount being claimed, including principal, interest, fees, and any other charges.

4. Documentation showing how and when this account was transferred to the current collection agency, including the chain of assignment.

5. Verification that this account has been accurately reported to the credit reporting agencies in compliance with federal law.

Until proper validation is provided, this account should not be reported, re-reported, or updated to any credit reporting agency. If the collector can not provide sufficient documentation to validate this debt, I request that the account be immediately deleted from all credit reporting agencies. 

Please note that this letter is not an acknowledgment of liability, nor is it a refusal to pay a valid debt. It is a request for verification of a debt that I believe is inaccurate, unverifiable, or belongs to another individual. 

I am requesting that the CFPB investigate this matter and ensure compliance with all applicable consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: PA

Complaint narrative:
Whom This May Concern, I have recently pulled my credit report and noticed that there is a collection listing from your agency. 
I have never been notified of this collection action or that I owed the debt. 
This letter is to inform you that I have the right to request i validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 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: Duvera Billing Services, LLC
State: TX

Complaint narrative:
I am filing a complaint regarding duplicate sales tax charges and an account display error by Easy Pay Finance. 

What Happened : Duplicate Sales Tax Charges : I purchased auto repair services from an auto shop vendor and was charged sales tax at point of sale. Easy Pay Finance charged me sales tax a second time on the same transaction I continued to be charged sales tax on subsequent billing cycles for this single purchase. 

Account Balance Display Error : Easy Pay Finance honored my 90-day EPXXXX ( Extended Payment Option ) as promised I have paid off the entire balance in full. My account does NOT display a {$0.00} balance despite being paid in full. This inaccurate display may impact credit reporting and account verification and they may continue to take out a payment from my checking account on file.

Supporting Documents : - Original receipt from auto shop showing sales tax - Easy Pay Finance activity statements showing duplicate tax charges- Proof of payment showing account paid in full - Email confirmation of 90-day EPO approval - Incorrect reflection of balance on my account - should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. despite having sufficient funds when transaction was authorized, I was charged fees due to the lagged of posting of charges and credits. this issue aligns with the recent CFPB findings against Navy Federal credit similar practices, where transactions settled with sufficient balances initially available funds. I believe these practices are unfair and requested investigation and into my account transactions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
I am submitting this complaint to formally dispute a collection account that is appearing on my consumer credit report that does not belong to me. I do not recognize this account, I have never had a financial relationship with this creditor, and I have no knowledge of the alleged debt. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation and verification of this alleged debt. Specifically, I request the following : XXXX. Proof that I am the individual legally responsible for this debt, including a signed contract, application, or agreement bearing my signature. 
XXXX. The name and address of the original creditor, including the original account number. 
XXXX. An itemized accounting of the amount being claimed, including principal, interest, fees, and any other charges. 
XXXX. Documentation showing how and when this account was transferred to the current collection agency, including the chain of assignment. 
XXXX. Verification that this account has been accurately reported to the credit reporting agencies in compliance with federal law. 

Until proper validation is provided, this account should not be reported, re-reported, or updated to any credit reporting agency. If the collector can not provide sufficient documentation to validate this debt, I request that the account be immediately deleted from all credit reporting agencies. 

Please note that this letter is not an acknowledgment of liability, nor is it a refusal to pay a valid debt. It is a request for verification of a debt that I believe is inaccurate, unverifiable, or belongs to another individual. 

I am requesting that the CFPB investigate this matter and ensure compliance with all applicable consumer protection laws.

Company response to consumer: Closed with explanation