vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, clinic staff completed the financing forms on my behalf. I was presented with what appeared to be a XXXX installment option ( XX/XX/XXXX months, interest-free ). I was not given paper disclosures or paperwork indicating I was opening a revolving credit card/line of credit. 

The only authorization I personally provided was via SMS for a single transaction. I received a text stating : XXXX XXXX : {$900.00} payment request from XXXX XXXX XXXX. Reply YES within XXXX min to approve this transaction. I replied YES to approve that {$900.00} payment request. I did not knowingly apply for or provide informed consent to open a credit card account. 

A Comenity Capital Bank XXXX XXXX XXXX credit card account was nonetheless opened and reported to the credit reporting agencies. ( There was no hard inquiry. ) I requested that Comenity provide documentation showing I authorized opening a credit card ( credit application, e-sign consent, and the TILA/credit card disclosures presented at enrollment ). They were unable to provide those materials and instead stated the account was closed and reported as closed at consumer request ( closed on XX/XX/XXXX ). 
I disputed the account with the credit bureaus on XX/XX/XXXX. I received results on XX/XX/XXXX stating the item was verified as accurate and that multiple fields were modified ( including additional information, closed date, balance, payment fields, activity designator, type of loan, charge-off amount, and date of last payment ). 

The bureau results provided a phone number for Comenity/Smile XXXX XXXX XXXX results in call failed. When I call Comenitys main line, I am told they do not handle the credit reporting/dispute documentation, leaving me unable to resolve the dispute directly with the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am filing this complaint regarding a transaction dispute with PayPal. 
I ordered an item through XXXX and paid {$310.00} using my PayPal balance. The item was marked as delivered ; however, it was delivered to the wrong address. The delivery photo provided by XXXX clearly shows a house that is not mine. 
I filed a claim through XXXX, but my claim was denied because the seller provided proof of delivery. The proof only shows that the package was delivered somewhere, not that it was delivered to my address. 
I then filed a dispute with PayPal. As evidence, I provided an email from XXXX confirming and apologizing for the misdelivery. In that email, XXXX confirmed that the package was delivered to the wrong address and that they attempted to retrieve the parcel twice. They also confirmed the tracking details associated with the shipment. 
Despite providing written confirmation from XXXX acknowledging the misdelivery, PayPal denied my claim. PayPal is now requesting a separate and specific letter from XXXX on official letterhead. However, XXXX has informed me that, under their policy, they can only deal directly with the sender because the shipping contract is with the shipper, not the recipient. XXXX has refused to issue any additional documentation, stating that the email already provided should be sufficient. 
As a result, I am left without the item and without my {$310.00}. I am being asked to provide documentation that I am unable to obtain due to XXXX policy, despite already providing written confirmation of the delivery error. 
I am requesting that PayPal conduct a fair and reasonable review of the evidence already submitted and issue a refund for the undelivered item.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: NC

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Overdraft, savings, or rewards features — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
PayPal advertised a {$20.00} XXXX reward, marked it as completed, then refused to issue the reward without citing any violated terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SLM CORPORATION
State: KS

Complaint narrative:
XX/XX/XXXX I began receiving messages from my co-signer and his spouse that they had been receiving repetitive calls from XXXX at Sallie Mae. Phone number XXXX ext XXXX. They called claiming my mailbox is full, which it is not and to contact them as soon as possible. Immediately I reached out and spoke with XXXX stating I will make a payment by XX/XX/XXXX. Prior to this I had been receiving calls and emails from them multiple times a day and now they are calling my parents. When I spoke to XXXX on XX/XX/XXXX, and stated I would be making a payment by XX/XX/XXXX, I requested for them to stop repetitively calling the 3rd party because they are not involved in the loan and they have spoke to both myself and the co-signer so the additional contact was not necessary. During the conversation, XXXX began to combat me stating my co-signer would be upset due to his credit being affected and stated several other claims that I knew were not true about my co-signer. I understand I have a debt that is owed, but the harassment of my family members who have nothing to do with any of this is not right. As well as making false claims to my co-signer about me and to me about my co-signer. I have reached out to try to resolve the debt in a way that would be feasible to me and I was told that they have no other options than to make payments and at this time I am not able to. But just because I am unable to, does not give them the rights to do as they are doing. Today, XX/XX/XXXX, I received notice from my co-signer that the harassment towards him and his spouse has not ceased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint because XXXX  failed to conduct a reasonable reinvestigation of disputed information on my credit report. 

I disputed the following account : XXXX  ( Original Creditor : XXXX ) XXXX responded that the account was verified. However, no documentary evidence was provided demonstrating a signed contractual agreement, complete payment history, date of first delinquency, or itemized balance calculation.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX  is required to conduct a reasonable reinvestigation of disputed information. XXXX solely on furnisher confirmation without documented review of underlying evidence does not satisfy this statutory obligation. 

Additionally, my credit file previously reflected inaccurate identifying information. My correct legal name is XXXX XXXX XXXX. Any variation including XXXX is inaccurate. Verification conducted under inaccurate identifiers raises concerns under 15 U.S.C. 1681e ( b ), which requires reasonable procedures to assure maximum possible accuracy.

Despite requesting the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), no detailed explanation or documentation has been provided. 

I am requesting regulatory review of XXXX compliance with its obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: FL

Complaint narrative:
I opened this First Progress secured credit card account in XX/XX/XXXX. For years the account was kept in good standing and was rarely used. It was mainly maintained to build and protect my credit. 

Automatic payments had been set up through my banks bill pay system and were relied upon. At some point, those payments stopped being processed, and I did not realize that an annual fee balance had posted to the account. 

Because this card is rarely used and typically carries no balance, I did not notice that the annual fee remained unpaid. When I discovered the issue in early XX/XX/XXXX, I immediately paid the balance in full and brought the account current. 

On XX/XX/XXXX, my XXXX score dropped XXXX points, from XXXX to XXXX, as a result of this single 30-day late payment. This was not a case of avoiding payment or carrying a large debt. It was a small annual fee oversight on an account that has been open since XXXX with an otherwise clean payment history.

I submitted a written goodwill request asking First Progress to reconsider reporting this one late payment as a one-time courtesy due to the isolated nature of the situation and my long-standing positive history. I received a written response stating that the Fair Credit Reporting Act requires them to report accurate information and that they are unable to make a goodwill adjustment.

I understand the reporting may be technically accurate. I am requesting executive-level reconsideration due to the disproportionate impact this single annual fee oversight has had on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am filing this formal complaint against XX/XX/XXXX, and XX/XX/XXXXfor maintaining unverifiable and inaccurate information on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>, I sent formal debt validation requests via Certified Mail to Jefferson Capital Systems LLC ( Acct # XX/XX/XXXXXXXX ) and XXXX XXXX XXXX ( Acct # XX/XX/XXXX ) using the addresses provided on my credit reports. The United States Postal Service ( USPS ) returned my correspondence as 'RETURN TO SENDER - UNABLE TO FORWARD. ' This proves that the contact information listed by the credit bureaus is inaccurate. If a creditor provides an invalid address, they are hindering my legal right to dispute and verify the debt. Under 15 U.S.C. 1681i, information that is inaccurate or can not be verified must be deleted immediately. I have already contacted the bureaus directly providing photos of the returned envelopes, yet the accounts remain. I demand the immediate deletion of these unverifiable accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: ROBINHOOD MARKETS INC.
State: CO

Complaint narrative:
Product or service : Investments / Trading platform Company : Robinhood Issue : Problem with a transaction / Market data accuracy What happened : I am filing a complaint regarding approximately {$2000.00} in losses incurred while XXXX XXXX XXXX contracts on Robinhood during an acknowledged live data provider incident. 

During a live XXXX game, Robinhood displayed incorrect and unstable game data, including incorrect scores and incorrect quarter status that repeatedly fluctuated between the 1st and 2nd quarter. Despite this, trading remained enabled, and contract prices continued to reprice in real time.

I relied on the game state information displayed within the app when entering and holding positions. Because the data was incorrect and unstable while trading was enabled, price discovery occurred under materially inaccurate information, resulting in losses that would not have occurred had the data been accurate or had trading been paused.

Robinhood has acknowledged that a data provider issue occurred during this timeframe. However, they have refused to credit losses, citing a general disclosure stating they are not responsible for incorrect game data. My dispute is not based on delayed data alone, but on the fact that trading and pricing continued during a known data integrity failure, creating an unfair trading environment.

I am not disputing ordinary market losses. I have taken losses on many contracts and have never complained when the underlying data was accurate. This complaint is limited solely to losses incurred during the acknowledged data disruption while incorrect information was being displayed and contracts remained tradable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 CXX/XX/XXXXe XXXX - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX 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 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX XXXX Credit Card credit card - ( Application # XXXX ) and was told that additional information was needed to verify my identity. I was told that I must send a copy of my drivers license front & back and utility bill to " XXXX '' which I did against my better judgement as email is not a very secure method to submit these documents and other companies have more secure methods of verifying identity. I called after a week to make sure the information was indeed received. I was told that if I did not receive an email confirmation that it was likely not received or not in the proper format. I did not receive the email confirmation. 

I resubmitted the documentation in PDF format as requested, yet again, against my better judgment yet again as I don't consider email a secure method of transferring sensitive documentation. I then received a notification dated XX/XX/year> that the application was not approved due to " suspected fraud. '' I called the account protection team to follow up, and they stated they see that I submitted documentation, but it for a reason they can not say did not meet the banks requirements. They said I would need to submit another application, and take yet another hard pull on my credit to apply again. 

I want to express my extreme frustration in this process. Other banks are living in the 21st century have secure methods of transferring documentation and verifying identity via cell phone camera in realtime. I have other banking products with Comenity/Bread and have never had to go through this process before. I am extremely disappointed in the Comenity/Bread as a financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Collection Bureau of America Ltd.
State: TN

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX XXXX XXXX account that was reported to my credit and sent to collections.

This account was never mine. I previously sent dispute letters and documentation proving that I was not responsible for this account.

Despite this, the account remained on my credit report and continued affecting my credit score. In order to avoid further damage and stress, I agreed to pay a settlement, even though I was not legally responsible for the debt.

I am formally requesting that this collection account be completely deleted from all credit reporting agencies, since : 1. The account was not mine.

2. I provided documentation disputing it.

3. I only paid to mitigate credit damage, not because I accepted liability.

Keeping this account on my credit report is inaccurate and unfair under the Fair Credit Reporting Act.

I request a full investigation and permanent deletion of this tradeline from my credit report.

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am submitting this complaint regarding my HSA Bank account, which is affiliated with Webster Bank. My account was unexpectedly frozen due to suspected fraud without any prior verification request or clear communication from the bank.

As a result, I lost access to both my account funds and my online dashboard. I have made multiple attempts to resolve the situation through customer service channels, but I have not received a clear explanation, timeline for resolution, or meaningful assistance.

This lack of communication and continued restriction of access has caused financial stress and concern. I fully understand the need for fraud protection, but freezing access without reasonable verification or timely follow-up is unacceptable and disruptive.

I am requesting : A full review of my account status Restoration of access to my account and dashboard if no fraud is confirmed Clear written communication explaining what occurred Improved customer communication practices going forward I appreciate your assistance in helping resolve this matter promptly. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays did not disclose or explain what constitutes an eligible purchase for their " XXXX XXXX '' feature. The representative stated it was essentially random and it there is an offer it will be there. The rep claims XXXX XXXX is for large purchases but did not specify what qualifies as a large purchase. There is not specific criteria although on the XXXX app it states easy pay is for all eligible purchases but does not disclose what makes an eligible purchase. XXXX is engaging in misleading wording regarding their easy pay feature which is meant to confuse consumers. It is not ok for an purchase offer to be " random ''.

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 2026-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
On XX/XX/year>, I purchased an item through XXXX XXXX from a seller for {$310.00} using PayPal. The item was advertised as a XXXX XXXX XXXX XXXX XXXX. After payment was sent, the seller promised to ship the item and provide tracking information. 
The seller later provided a tracking number that appeared invalid or unrelated to my shipment. The item was never delivered to me. When I contacted the seller, they gave inconsistent information about shipping and then stopped cooperating.

I opened a dispute with PayPal for a refund due to non-delivery and suspected fraud. PayPal denied my claim and closed my case without resolving the issue or adequately addressing the evidence I provided showing that the item was not delivered.

I contacted PayPal again requesting further investigation, but they stated they would not review the case further. I also contacted my bank, and they advised they could not assist.

I believe this transaction was fraudulent and that PayPal failed to properly investigate or protect me as a consumer despite clear signs of marketplace fraud. I am requesting that PayPal reopen and properly review my case and issue a refund for the unauthorized or fraudulent transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My bank is Wells Fargo, and I have been a customer for over 10 years. I fell for a fraudulent CEO impersonation scam and made a {$1500.00} purchase of gift cards on XX/XX/year> ; the next day, XX/XX/year>, when my CEO was clueless as to why I was offering her gift cards, I immediately filed a claim with my bank, Wells Fargo, and ordered a new debit card. XX/XX/year>, the bank denied my claim stating that I performed an authorized transaction. Today, XX/XX/year>, at XXXX, I contacted Wells Fargo and escalated to a claim specialist supervisor ; each person on the phone call stated they were unable to refund my money, despite the fact I have proof that I fell for a scam. They state that because I authorized the transaction, they are unable to refund my money ; they also refused to look at any documentation proving that I have been scammed.

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