vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-06 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: PA

Complaint narrative:
My account was suspended after I tried withdrawing the money on my account I was asked to wait for XXXX hours from XXXX hours it turned to XXXX week now theyre asking Me to wait 180 days before I can get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: CA

Complaint narrative:
I am a victim of pervasive identity theft resulting from the negligent data security practices and multiple confirmed data breaches of XXXX or more Credit Reporting Agencies. My Personally identifiable information ( PII ), protected under The Privacy Act of 1974 ( 5 U.S.C. 552a ), has been compromised and weaponized by an unknown perpetrator. This has resulted in fraudulent and unauthorized financial activity being illegally reported on my consumer reports, causing direct financial and reputational harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: CA

Complaint narrative:
I am a victim of pervasive identity theft resulting from the negligent data security practices and multiple confirmed data breaches of XXXX or more Credit Reporting Agencies. My Personally identifiable information ( PII ), protected under The Privacy Act of 1974 ( 5 U.S.C. 552a ), has been compromised and weaponized by an unknown perpetrator. This has resulted in fraudulent and unauthorized financial activity being illegally reported on my consumer reports, causing direct financial and reputational harm.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I requested for this bill pay service to pay my XXXX insurance bill it was supposed to be paid XX/XX/XXXX. I made 2 payments to them and the XXXX did not receive and charged me on the XXXX the bank declined my dispute

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 2026-05-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Subject : Complaint Against XXXX for Improper Billing , Failure to Cancel Service , and Wrongful Collection Activity To Whom It May Concern, I am filing this complaint regarding XXXX improper handling of my account, unauthorized post-cancellation billing, and referral of disputed charges to collections. On or about XX/XX/year>, I contacted XXXX to cancel my wireless service after switching to another provider. Instead of properly processing the cancellation request, XXXX incorrectly suspended the account while continuing to bill me for services I neither authorized nor used after cancellation. Despite multiple attempts to resolve the issue directly with XXXX customer service, the company failed to correct the problem. The account continued accumulating charges and was eventually referred to collections in the amount of approximately {$240.00}. I dispute these charges entirely. The alleged balance exists solely because XXXX failed to properly process my cancellation request. As a result of XXXX actions : I was charged for services after cancellation My account was improperly handled internally A disputed balance was sent to collections I experienced significant stress, wasted time, and concern regarding potential credit damage I believe these actions may constitute unfair and deceptive business practices and improper debt collection activity. I respectfully request that your office investigate this matter and assist in obtaining the following resolution : 1. Removal of all charges incurred after my cancellation request 2. Immediate withdrawal of the account from collections 3. Confirmation that no negative credit reporting will occur 4. Correction/removal of any negative credit reporting already made 5. Written confirmation that the account has been fully cancelled with a XXXX balance I have already attempted in good faith to resolve this matter directly with XXXX and have also filed complaints with : XXXX XXXX XXXX ( XXXX ) Federal Communications Commission ( FCC ) If necessary, I am prepared to pursue arbitration and any additional remedies available under consumer protection laws. Thank you for your attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Click n' Close, Inc.
State: MD

Complaint narrative:
Im calling of concern. My mortgage has been raised twice about a mortgage escrow shortage. My escrow is already put in my mortgage and I add an additional XXXX to {$400.00} each month. I asked XXXX is {$3600.00} a year now I dont understand how I will have a escrow shortage if XXXX paying an additional {$3600.00} a year not including the amount of escrow that is putting in my mortgage this does not make sense to me. I have a homestead tax credit on my home, so this makes no sense and the company is failing to explain the issue to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

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 2026-05-06 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: SC

Complaint narrative:
I am filing a complaint regarding PayPals handling of a chargeback dispute and appeal involving Case ID XXXX in the amount of {$1800.00}. The underlying issue involved a returned item that was not delivered to my verified business address. USPS tracking documentation confirmed the package was delivered to XXXX XXXX XXXX, while my verified business and return address associated with the transaction is in XXXX XXXX XXXX XXXX XXXX USPS documentation also confirmed the package was left with an unknown individual not associated with my business. I submitted organized evidence to PayPal during the appeal process, including : * USPS tracking records * Delivery confirmation documentation * Invoice records showing the verified return address * Communication records showing the buyer acknowledged sending the item to a different address * Documentation showing no alternate return address was authorized Initially, PayPal representatives provided conflicting instructions regarding how to submit an appeal. I was instructed to send documentation to an email address that later generated an automated response stating the address was no longer monitored. After multiple calls, another representative manually uploaded and escalated my appeal documents to PayPals backend review team. After waiting beyond the stated review timeframe, I contacted PayPal again and received inconsistent and conflicting information from representatives regarding whether my appeal existed, whether it was being reviewed, and whether the issue involved Seller Protection or a chargeback appeal review. I also requested clarification regarding : * the basis for the denial, * whether my submitted evidence had been reviewed, * and escalation to a supervisor. PayPal did not provide a meaningful explanation addressing the submitted evidence. Instead, I later received a generic denial stating only that the buyers processor upheld the chargeback decision. At no point did PayPal explain why the documented evidence showing delivery to the wrong city and wrong recipient was rejected or disregarded. My complaint is not simply that the chargeback was denied, but that PayPal failed to provide a clear, consistent, and meaningful review process for the submitted appeal evidence and failed to adequately address the documented facts provided during the appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I HAVE HAD XXXX IN MY ACCOUNT FOR A COIPLE WEKS NOW I GO TO USE MY ACCOUNT ON XXXX AND IT SAYD ITS ALL ACCESS LOCKED I CALL THEY SEND ME TO FRAUD DEPT I TALK TO FRAUD DEPT THEY TELL ME TO GO INTO THE BRANCE I DID THEY TELL THE PERSON AT THE BRANCE TO UNLOCK ACCOUNT THEN ANOTHER GUY NAMED XXXX FROM ANOTHER FRAUD DEPT SAYS MY ACCOUNT IS UNDER INVESTIGATION AND NEED A INVESTIGATOR WHY AFTER A COUPLKE WEEKS THEY LOCK MY ACCOUNT WITH MY CASH WONT TELL ME WHAT ITS ABOUT NOTHING IF THIS DOES NOT GET RESOVLED TODAY I WILL BE FILING A LAW SUIT AGAINT PNC BANK BY TOMORROW XXXX XXXX SO I WANT MY MONEY AND MY ACCOUNT UNLOCKED CAUSE I BELIVE YOUR BANK IS LIEN NO ACTIVITY HAS GONE ON IN MY ACCOUNT I WILL NEXT FILE A COMPLAINT WITH THE FDIC XXXX I WANT ANSWERS AND MY MONEY TODAY WHAT MAKES YOU THINK ITS OK FOR YOUR PEOPPLE TO TOUCH MY MONWY YOU ARE NO DIFFRENT THEN A STRANGER OFF THE STREET TO ME. LAST TIME I WANT MY MONEY NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to withdraw {$500.00} from a XXXX XXXX ATM using my Charles Schwab debit card. During the transaction, the ATM malfunctioned. The cash dispenser shutter/door failed to open, and no cash was ever made physically accessible to me. My video and photo evidence show that the ATM cash dispenser door remained shut while the screen displayed : The ATM will take your cash back in N seconds. until the countdown expired and the transaction ended without me receiving any cash. I immediately contacted XXXX XXXX ( the owner of the ATM ), including visiting the local branch where the ATM was located, and made multiple follow-up attempts to resolve the issue before filing a dispute with Charles Schwab ( the issuer of my debit card ). Charles Schwab denied the dispute based on XXXX XXXX statement that the ATM dispensed the funds and balanced. However, that does not establish that I physically received the cash. The investigation appears incomplete because neither institution addressed retract-bin logs, ATM retract events, purge-bin reconciliation records, surveillance footage, or whether the cash was ever physically accessible to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: GA

Complaint narrative:
I am disputing the Affirm loan for XXXX XXXX purchased in XX/XX/XXXX. The vendor promised that I would lose XXXXXXXX XXXX by the end of XX/XX/XXXX as part of the program. This was the primary reason I enrolled. Despite following the program, the promised results were not achieved. I contacted the vendor in XX/XX/XXXX to cancel and requested that they refund the unused portion of the service. They refused, stating that 90 days had passed, even though the service did not deliver the advertised results. This constitutes false advertising and services not rendered. I am requesting that Affirm pause payments and conduct a formal investigation into this dispute. Affirm is refusing to investigate, stating I passed the time to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I applied for a cash out refinance with my current mortgage company, Rocket mortgage, whom recently purchased my prioe lender, XXXX XXXX. I have a unique pay situation and provided income verifion ( VA XXXX letter, XXXX 's, IRS income verification documents XXXX 's, and tax returns ) My income was well over enough to be approved based on debt to income ( only debt is my current mortgage. My total income annually has been over $ XXXX, with a credit score near XXXX. They kept demanding additional documentation but never say exactly what was needed. Fortunately, I made them email everything to have in writing. Documentation requested included actual pay stubs from my XXXX statements, I think I had 5 or 6, for the last 2 years. They them requested documentation showing how each company paid for my services. All are within the same industry of my XXXX income ( insurance claims handling ). After I provided all within 2 days max ( excluding the weekend, because I needed to communicate win the companies to obtain ), I received an email stating I basically forged a document into a word document. They put in the denial it was due to not providing my self employed income and being unwilling to provide documentation requested. Both of which are blatant lies as is well documented in my email strings

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Contacted my XXXX who i haven't seen in 6 years and some how had her email violates a federal law company is trans world system inc

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Netspend Corporation
State: CO

Complaint narrative:
Netspend did not disclose to me that was any XXXX XXXX monthly fee upon signing up. I have asked them to refund the XXXX XXXX monthly fee and they refuse. They also have an offer for {$100.00} sign up bonus after depositing {$400.00} via direct deposit within XXXX days. I have already deposited over {$400.00} via direct deposit in way less than XXXX days and yet they have not paid the {$100.00} sign up bonus.

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 2026-05-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: AL

Complaint narrative:
I am filing a complaint regarding an improperly reported and disputed debt that Zion Debt Holdings has placed on my credit report. This alleged debt originates from approximately XXXX, when I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Any documents I signed were in a representative capacity on behalf of the business. I did not sign any personal guarantee and am not personally liable for this debt. Despite this, Zion Debt Holdings has reported this account as a collection beginning in XXXX. This is inaccurate and appears to be illegal re-aging of the debt. Under the Fair Credit Reporting Act, the XXXX reporting period begins at the Date of First Delinquency, not when a debt is transferred or placed for collection. Because the original delinquency occurred over 10 years ago, this account should not be appearing on my credit report at all. I have disputed this account previously, but it remains on my credit report without proper validation.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 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: Block, Inc.
State: PA

Complaint narrative:
I had asked through the Cash App chat to cancel a dispute and resolve on my own with the company. As seen in screenshots, it was confirmed that the dispute was canceled Later I saw it was asking me to verify my identity and if I didnt it would close my.account. I verified my identity. As in screenshots, I asked for confirmation it was completed and there was nothing else that needed to be completed. My identity was confirmed and my dispute was canceled. My paycheck goes to my cash app and was supposed to arrive around XXXX today. I found out they closed my account at XXXX this morning due to " my dispute '' which i was previously told was canceled was denied. I contacted agents and asked them to resolve this and tried to explain i did everything I was supposed to do to avoid this I am.a single mom of XXXX toddler girls and this is my literal ONLY.bank account and source of money and I desperately need the money I was counting on receiving today. This is not my error and I am strongly negatively being impacted. I dont have 10 days to wait

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
I received an unsolicited email on a dept owed by XXXX XXXX. It has been reported on my credit report as a XXXX XXXX. I have a XXXX XXXX from capital one I am currently making payments on. I have XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is at a XXXX XXXX which I have not received any XXXX form to file and on my credit report. I have a payment plan I have been paying on. Then out of nowhere I received a notice to pay the exact amount that it was at {$1300.00}, Currently this is inaccurate information the balance I have now is at {$890.00} The company Halsted Financial and XXXX XXXX different companies are trying to collect on the same account. is claiming I owe over XXXX to them on a XXXX XXXX account I am making payments on. When asked for proof, they only sent me a print out that had the last balance of over {$1300.00} it's still on my credit report as a collection. How can XXXX XXXX agency collect on the same account?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
My business received notice by email from M & T Bank on XX/XX/2026 regarding termination of XXXX XXXX XXXX, including ACH Origination and Wire Services with a 30 days period. The services were terminated on XX/XX/2026. My complaint is not regarding the banks business decision to terminate those services. My concern is that following the termination, I have been unable to adequately access essential historical banking records and payment documentation needed for ongoing business operations. Specifically, I need : * ACH payment confirmations, * proof of payment to vendors, * transaction history, * account statements, * downloadable/exportable reports. I attempted to contact the bank after receiving the notice in an effort to discuss the situation and preserve access to necessary records, but I have not received a meaningful operational resolution regarding records access. The inability to retrieve these records is materially impacting accounting, vendor reconciliation, and operational compliance for my business entities. I am requesting : XXXX. Immediate access to historical records and statements, XXXX. ACH trace/payment confirmations for prior transactions, XXXX. Export/download access to transaction history and reports, XXXX. Clear written instructions regarding how I may retrieve and preserve my banking records going forward.

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 2026-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I used XXXX to pay someone for a product online with my Chase checking account. After paying the person XXXX XXXX with phone number XXXX The person then blocked me and didnt send me the product. Chase is not helping me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Unauthoirzed transactions : XX/XX/XXXX {$700.00} XXXX XX/XX/XXXX {$700.00} XXXX Not authorized by me. XX/XX/XXXX Contacted PayPal to dispute above XX/XX/XXXX received email from PayPAL declined dispute based on " transaction is consistent with your PayPal transaction ''. Again commented that I did not give me user ID or password to authorize these transactions which is ALWAYS the case. XX/XX/XXXX Filed Formal Complaint/Unauthorized Transactions claim via certified mail to PayPal home XXXX. No response to date

Company response to consumer: Closed with explanation