vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On or about XX/XX/XXXX, I made an online purchase for a XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$46.00}. That amount was taken solely from my PayPal balance and was not paid in entirely, or in part, with any charge card. On XX/XX/XXXX I received the item but it is not even close to what I ordered. I placed an order for a XXXX XXXX XXXX XXXX XXXX XXXX. What I received is a colorful coaster. It is not a machine. It does not do what a XXXX XXXXXXXX XXXX does. I reached out to PayPal regarding this issue after attempting to reach out to the company multiple times with no response, hoping PayPal would assist and protect me. I advised PayPal that I had an email from the company confirming shipment of a XXXX XXXX XXXX XXXX XXXX XXXX, pictures of the item I received, and pictures of a true XXXX XXXX XXXX XXXX XXXXXXXX Machine, since I ordered and received a real one from a reputable seller. After several days of going back and forth, PayPal remains that I have to incur the cost of returning the item all the way to XXXX in order to receive my refund. The cost of returning the item to XXXX would reduce my refund to {$0.00} or less, since the cost of international returns is extremely high. I explained that to PayPal that I had reached out to the company multiple times, unsuccessfully in order to ask for a post-paid label since they knowingly and intentionally defrauded me. I asked PayPal to demand a post-paid label from the company or have them forgo the return showing obvious proof that I had been intentionally defrauded. PayPal continued to state that it would be unfair for me to have the item and the refund. They cared nothing for the fact that I was intentionally defrauded and that the company has {$47.00} of my money and I received garbage. All I kept getting from PayPal was to reach out to the company ( which I stated many times I had already done, ) or to return the item to XXXX. Neither of these options works. 

I have also filed this complaint with the XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute actions taken by U.S. Bank that have caused significant financial harm and negatively impacted my credit and ability to purchase a home. 

U.S. Bank charged my credit card for fees and charges that were unauthorized and do not belong to me. As a result of these charges, I was pressured into entering a settlement/payment plan. Before agreeing, I was explicitly told by U.S. Bank representatives that enrolling in this payment plan would not negatively affect my credit score as long as I made my payments on time. 

I have made all required payments on time, exactly as agreed. 

Despite this, after I entered the payment plan : U.S. Bank closed my account U.S. Bank reported late payments to the credit bureaus, even though my payments were made on time These reports have damaged my credit and are now preventing me from qualifying for a mortgage and purchasing a home This situation is especially troubling because I relied on U.S. Banks assurances when agreeing to the settlement. Had I been informed that my account would be closed or that negative credit reporting would occur, I would not have agreed to the arrangement. 

I am requesting the following corrective actions : Immediate correction and removal of all inaccurate late-payment reports related to this account A full review and reversal of any unauthorized charges Written confirmation that my credit reports have been corrected An explanation for why my account was closed and why false late payments were reported despite on-time payments If this matter is not resolved promptly, I am prepared to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate regulatory agencies. 

Please respond in writing within a reasonable time frame. I expect this issue to be resolved without further harm to my financial standing.

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 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
On XXXXXX/XX/year>, I contacted American Express regarding enrolling in a financial relief program and asked whether my credit card would be reinstated if I made the required payments. American Express representatives confirmed in recorded calls and written chat transcripts that my account could be reinstated upon payment and that I would regain full access to my card, benefits, and points. I was also given timelines for reinstatement. 

Based on these representations, I enrolled in the program and paid the enrollment payment of {$140.00} on XX/XX/year>. I then paid the remaining balance of {$5700.00} in full on XXXX 

After the payment was made, I contacted American Express to confirm reinstatement. At that time, I was informed that reinstatement was not possible and that the representatives had provided incorrect information. 

I relied on American Expresss statements when deciding to make these payments and enroll in the program. I believe this was misleading and deceptive. I am requesting either reinstatement of my account as promised or reversal of the program enrollment and any related fees or interest due to misrepresentation. I have written transcripts and documentation of these statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: GA

Complaint narrative:
A third-party debt collector, National Credit Adjusters , LLC , is reporting a debt on my consumer credit report that originated from XXXX XXXX XXXX XXXX XXXX The account reflects a balance of approximately {$1700.00}. This debt is being reported despite the collector failing to provide proper validation establishing that I am legally obligated to pay the alleged debt. 
I have disputed this account and requested validation under the Fair Debt Collection Practices Act. 
However, the account continues to be reported to consumer reporting agencies without the required supporting documentation. As a result, inaccurate and unverifiable information is damaging my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Requsting to remove and block these items off my credit report IMMEDIATELY! These accounts should not appear on my consumer report, as they are in VIOLATION. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I demand the deletion of the listed accounts IMMEDIATELY!

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 2026-01-24 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: Elderlife Financial Services, LLC
State: MA

Complaint narrative:
I was co-signer for this loan for my ex-husband. The loan was paid off online on XX/XX/year> after calling XXXX with my ex and our daughter on XXXX. Since then, I have received XXXX notices stating that my payment of {$150.00} is past due. I received a notice in XXXX, which I returned with a letter and the notice of the loan paid off, providing the information of the person who sent the notice. I received another payment reminder on XX/XX/XXXX again stating that my payment of {$15.00} is past due. In addition to sending letters, I spoke with a person in billing who assured that this matter would be taken care of. This is extortion.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: FL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the above-referenced student loan account on my credit profile. After thoroughly reviewing my credit report, l have identified serious violations of my consumer rights under the Fair Credit Reporting Act ( FRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ).

Violations Identified : Inaccurate or Outdated Reporting : The account appears to report information that is incomplete inaccurate, or misleading, which violates 15 U.S. Code 1681i and 1681s-2 of the CRA. This includes [ choose applicable - incorrect payment history, re-aging of account, incorrect balances, or post-discharge reporting ].

Failure to Investigate : If this item was previously disputed and continues to report inaccurately, that reflects a failure by both the furnisher and the credit bureau to perform a lawful reinvestigation, as required under 15 U.S.C. 1681 ( a ) ( 1 ) ( A ).

Reporting of a Discharged or Non-Collectable Debt ( if applicable ) : If this student loan was discharge due to total and permanent disability, bankruptcy, or closed school, continued reporting is unlawful and causes ongoing harm.

7. Obsolete Debt ( if applicable ) : If this debt is more than 7 years past the origina delinquency date, it i beyond the legal reporting period under 15 U.S. Code 1681c and must be permanently removed.

Action Demanded : I am formally demanding that you : Delete this account from my credit file immediately.

Provide written confirmation of deletion within 30 days of receiving this letter.

Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: MA

Complaint narrative:
Issue : Failure to Release Vehicle Title After Lease Buyout I paid my lease buyout to Kia Finance America in full on XX/XX/XXXX. A Bill of Sale was executed on XX/XX/XXXX. Despite this, Kia Finance has failed to release the vehicle title or electronic lien release needed to complete state registration. 

I have contacted Kia Finance multiple times. Each time I am told to wait five business days, transferred without resolution, or disconnected. Representatives have also claimed they do not have the Bill of Sale, even though Kia Finance generated it and it continues to appear daily in their customer portal. 

As of XX/XX/XXXX, more than 30 days have passed since full payment. I have received no confirmation of title release or meaningful assistance. This delay is preventing me from completing required XXXX processing and is causing financial and legal risk. 

I am requesting that Kia Finance America immediately release the title or XXXX  and provide written confirmation.

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am filing a complaint regarding an unexplained and unvalidated balance on a closed Chase checking account. 

I closed all Chase accounts in good standing last year and explicitly requested no further contact or billing. At not the time of closure, I wasn't informed that I owed approximately {$68.00}. XXXX days later, Chase added an additional {$120.00} charge to the closed account without explanation, documentation, or authorization. I just found out by mail I owe an amount of debt. 

I have contacted multiple Chase departments including Customer Service, Claims, and Collections. None of these departments have been able to : Identify the origin of the {$120.00} charge Provide a transaction number or documentation Explain why the charge was added after account closure Collections acknowledged they could not validate the charge and advised me to escalate the issue. 

Chase representatives have referenced reversal transactions, but no one can explain how or why this resulted in a new {$120.00} balance after the account was closed, nor why claims were previously not found in my favor when no clear claim or transaction exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP
State: NH

Complaint narrative:
UsBank Reliacard to Despite multiple attempts to verify identity through faxed documentation, including identification and social security information, access to the bank account has repeatedly been denied. This situation presents a significant obstacle to managing personal finances and accessing necessary funds.

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 2026-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX, XXXX, Account Number : XXXX The vehicle has experienced ongoing mechanical defects that substantially impair its use, reliability, and value. Despite multiple repair attempts and manufacturer involvement, the issues remain unresolved. XXXX ( the manufacturer ) previously entered into a settlement intended to correct these problems ; however, the defects persist and the corrective actions have not been fully honored. 

Because these defects originate with the manufacturer and are outside of my control, I requested a penalty-free lease termination or coordination with XXXX for a manufacturer-funded buyback. XXXX XXXX  has not provided a reasonable resolution and continues to treat this as a standard early termination, which would impose significant penalties and fees. 

It is unfair and inappropriate to require a consumer to pay early termination charges for a vehicle that is defective and subject to Lemon Law protections. I am requesting that XXXX XXXX : Coordinate with Stellantis for a manufacturer-funded payoff or buyback, or Approve a penalty-free lease termination, and Confirm no negative credit reporting or fees I am pursuing rights under New York Lemon Law and have filed or am filing a complaint with the New York Attorney General . I am requesting regulatory assistance to ensure the finance company works in good faith toward a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
This was an old account settled with the original creditor. They couldn't prove the amount is accurate so they placed it on my credit to extort payment. I have requested full verification including a detailed accounting from XXXX to the {$510.00} they are attempting to extort several times. When they reply at all its with a one page printout showing the {$510.00} balance. I would like a sighed application and proof of the amount as i do not believe it is mine owed legitimately owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint because the account listed below was reported as verified without the creditor or collection agency providing proper validation, as required under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
I previously disputed this account with the credit reporting agencies and requested validation of the debt. In response, the furnisher marked the account as verified, however no documentation was provided to me demonstrating : A copy of a signed contract or agreement bearing my signature Proof that I owe the alleged debt An itemized statement showing how the balance was calculated Proof that the reporting entity has the legal authority to collect or report this debt Verification of the date of first delinquency Merely confirming information internally or responding electronically to the credit bureau does not constitute proper verification under the FCRA. 
Because the furnisher failed to provide validation while continuing to report the account, I believe this constitutes inaccurate and unverified reporting, which is damaging my credit profile and preventing me from qualifying for housing. 
I am requesting that the CFPB require the furnisher to either : Provide full and proper validation of the alleged debt, or Delete the account from all credit reporting agencies if validation can not be produced I am requesting a written response and resolution. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for me and my mom XXXX XXXX and our checking account number is XXXX and why we filing this complaint for dispute {$130.00} and for XXXX and dispute claim number {$20.00} is XXXX and for dispute claim number is {$120.00} claim dispute number is XXXX and for {$140.00} dispute claim number is XXXX for {$140.00} and dispute claim number for {$300.00} XXXX and for my new claim I file today please make sure all these are disputed Completed Transactions DATE DESCRIPTION AMOUNT BALANCE XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  - {$64.00} - {$120.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$40.00} - {$55.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} - {$15.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$28.00} XXXX {$13.00} XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$25.00} {$14.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$47.00} {$39.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$47.00} {$87.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$26.00} {$130.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6.00} {$160.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$5.00} {$160.00} XX/XX/scrub>XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  - {$5.00} {$170.00} XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$5.00} {$170.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX - {$5.00} {$180.00} if they not all disputed please dispute them as service not received and I didnt like the service I received and if you can merge all my disputes into one dispute and give me the new claim dispute number so add all my disputes claim numbers to one dispute claim number to make the speed and process go faster and keep me updated on my whole disputes claims number when they all final and permanent credits was given for all claims numbers I give you and upload the letter on the cfbp etc.

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CONTRACT CALLERS INC
State: KY

Complaint narrative:
My data was involved in a data breach with XXXX  XXXX and XXXX. there is incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: MS

Complaint narrative:
I filed a dispute with Chime regarding XXXX unauthorized transactions made to XXXX.Money from my checking account. The Dispute ID is # XXXX. The disputed transactions were : {$720.00} on XX/XX/XXXX at XXXX XXXX  {$1400.00} on XX/XX/XXXX at XXXX XXXX  {$1800.00} on XX/XX/XXXX at XXXX XXXX  {$1500.00} on XXXX XXXX at XXXX XXXX  {$940.00} on XXXX XXXX at XXXX XXXX  The total disputed amount is {$6400.00}. I submitted the dispute on XX/XX/XXXX, but on XX/XX/XXXX, I was notified that my dispute was denied. These transactions were not authorized by me. I did not make these purchases, did not share my login credentials, and did not give permission to anyone to access my account. At the time of the transactions, I was not in control of my phone. I am requesting a re-review and further investigation, as this activity was fraudulent and caused financial loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
so I received a a payment from an unknown person through XXXX app. Ive blocked the person and I did not transfer that money. I proceeded to attempt to close my account however, XXXX makes it very difficult to close my XXXX account. I wanted to do it as a protection I deleted all my bank accounts from the XXXX app. XXXX wanted you to chat with them if you want to take any actions which Ive tried to do it once I enter in the chat that I want to verify that Im not being scammed in in the chat I explained that somebody sent me money that I dont know. They sent me an automatic message for the frequent questions. I called the number. ( XXXX ) XXXX which is listed in their frequent questions it is just automated messages that doesnt take you anywhere now. I dont know how to close my bank account. I did not talk to anybody the unknown person that sent me the money still on my account. I blocked them, but that transaction still shows which makes me nervous this is totally unfair because now I feel threatened that I may lose Money or somebody me steal something from my checking account that was connected to this XXXX app.

Company response to consumer: Closed with non-monetary relief