vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/year>, I identified XXXX unauthorized fraudulent charges on my XXXX account, each in the amount of {$590.00}, made at an XXXX XXXX, totaling {$1700.00}. I did not authorize these transactions, did not receive any merchandise, and had no involvement with these purchases. 

I immediately reported the fraud to XXXX and fully complied with all requests made by their fraud and dispute departments. Despite my timely reporting and continued cooperation, this matter has remained unresolved for over XXXX months. Throughout this process, I have experienced excessive delays, repeated call transfers, dropped calls, inconsistent information, and unprofessional treatment. 

Below is a detailed timeline of my efforts and XXXX  responses : XX/XX/year> Spoke with XXXX. I was informed I would receive a fraud questionnaire. 
XX/XX/year> Advised that the questionnaire would be mailed or faxed to me. 
XX/XX/year> Spoke with XXXX XXXX XXXX XXXX, who stated she emailed the ID XXXX department. 
XX/XX/year> - faxed questionnaire. Please refer to attachment. 
XX/XX/year> XXXX with XXXX, who stated the questionnaire that I had faxed back had not yet been received. 
XX/XX/year> I received the fraud questionnaire by mail from XXXX. 
XX/XX/year> Spoke with XXXX XXXX XXXX XXXX  XXXX, who confirmed receipt of my completed questionnaire that had been faxed in XXXX. 
XX/XX/year> Spoke with XXXX to request a status update ; no resolution was provided. 
XX/XX/year> Spoke with XXXX XXXX XXXX XXXX, who stated she would push the request because it had been over XXXX  days with no resolution. 
XX/XX/year> Spoke with XXXX ( XXXX ), who stated there was nothing he could do and that I needed to wait. He then hung up on me. 
XX/XX/year> XXXX XXXX  Spoke with XXXX ( XXXX XXXX  ); requested a supervisor. The call was disconnected. 
XXXX XXXX XXXX with XXXX ( XXXX XXXX  ); requested a supervisor. 
Spoke with XXXX ( XXXX  ), who transferred me to XXXX ( XXXX, XXXX XXXX XXXX  ), who then transferred me back to the XXXX XXXX. 
At XXXX XXXX, I was transferred to XXXX, who stated she was not a supervisor, despite my request. 
I then spoke with XXXX ( XXXX ). The call lasted XXXX minutes, was ultimately dropped, and no verification code, resolution, or follow-up was provided. 

As of today, XXXX has not resolved the fraudulent charges despite my prompt reporting, submission of required documentation, and repeated follow-up attempts. The prolonged delay and lack of accountability have caused significant stress and inconvenience. 

I am requesting the XXXX  assistance in ensuring that XXXX properly investigates this fraud, resolves the unauthorized charges, and provides a timely and lawful resolution consistent with consumer protection regulations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Deletion from Credit Report : To Remove Account To Whom It May Concern : I received a copy of my credit report and am disputing some items that need to be deleted. The reason these items should be deleted are indicated below.

Item/Account Info or # as listed on Report : Reason for Deletion : According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit report within 30 days. In the interim, these items should be noted on my credit record as in dispute I am also requesting the names, addresses and telephone numbers of all individuals you can contact during your investigation so that I may follow up.

Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 UCS 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report. Which should be sent to the address below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

If you have any questions or need additional information please contact me at : Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Company states I owe them money. I have never owed them money. They have never shown me how much money they bought my debt for so I can pay them a reasonable amount for the debt. They have been harassing me violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have send them a cease and desist letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: MO

Complaint narrative:
On XXXX XXXX XXXX  I sent a certified letter to the collection company requesting validation of the alleged debt, also requested chain of custody, proof of ownership, proof the company can collect on debt in my state of residence, the company has not responded in the XXXX day time frame that was stated in the initial letter of request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Tilt Finance, Inc.
State: IN

Complaint narrative:
On or around XX/XX/XXXX 2025, unauthorized ACH withdrawals were taken from my account by Tilt ( also known as Empower / TiltFin ) and XXXX. I did not authorize these charges and did not consent to any recurring withdrawals from these companies. 

I contacted both companies to request an explanation of the charges, proof of authorization, cancellation of any services, and a refund. Despite multiple attempts, I did not receive a response or a resolution. 

I disputed these charges with my financial institution, but the dispute was denied on the basis that the transactions were not fraud, without properly reviewing the issue as unauthorized ACH debits under Regulation XXXX. 

I am requesting reimbursement of the disputed amounts, a permanent stop to future ACH withdrawals by Tilt and XXXX, and a proper investigation and correction of my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information. 
Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting a follow-up complaint against Equifax, Experian, and TransUnion regarding multiple inaccurate and unverified items on my credit report, including collection accounts with XXXX ( XXXX XXXX XXXX {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ), and XXXX & XXXX XXXX ( {$500.00} ), which report incorrect balances, obsolete information, and potentially inaccurate dates of first delinquency. These discrepancies violate FCRA XXXX ( a ), XXXX ( c ), XXXX ( a ) ( XXXX ) ( A ), and XXXX ( a ) ( XXXX ). Furthermore, the debt collectors have failed to validate these debts as required under FDCPA XXXX, and some of their practices appear misleading or unfair under FDCPA XXXX and XXXX. Additionally, numerous hard inquiries, including XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and others, appear on my credit report without permissible purpose or are reported beyond the allowable timeframes, violating FCRA XXXX ( a ), XXXX ( a ), and XXXX. These inaccuracies have negatively impacted my creditworthiness, and despite my previous attempts to resolve these issues directly with the bureaus and creditors, they remain unresolved, causing ongoing financial harm and stress.

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 2026-01-02 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: AR

Complaint narrative:
I am submitting a follow-up complaint against Equifax, Experian, and TransUnion regarding multiple inaccurate and unverified items on my credit report, including collection accounts with XXXX ( XXXX XXXX XXXX {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ), and XXXX & XXXX XXXX ( {$500.00} ), which report incorrect balances, obsolete information, and potentially inaccurate dates of first delinquency. These discrepancies violate FCRA XXXX ( a ), XXXX ( c ), XXXX ( a ) ( XXXX ) ( A ), and XXXX ( a ) ( XXXX ). Furthermore, the debt collectors have failed to validate these debts as required under FDCPA XXXX, and some of their practices appear misleading or unfair under FDCPA XXXX and XXXX. Additionally, numerous hard inquiries, including XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and others, appear on my credit report without permissible purpose or are reported beyond the allowable timeframes, violating FCRA XXXX ( a ), XXXX ( a ), and XXXX. These inaccuracies have negatively impacted my creditworthiness, and despite my previous attempts to resolve these issues directly with the bureaus and creditors, they remain unresolved, causing ongoing financial harm and stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-02 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: CA

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-01-02 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: MD

Complaint narrative:
Sent money to a Venmo accountXXXX XXXX XXXXXXXX XXXX XXXX XXXX of {$200.00} on XX/XX/year> at XXXX am with transaction ID XXXX. The money was sent to the wrong account. The money was intended for accountXXXX XXXX XXXXXXXX. Both accounts are owned by the same account owner. I was made aware by the account owner that it was sent to the wrong account. I contacted Venmo within XXXX minutes of sending the money and Venmo informed me they were unable to cancel the payment, and the payment already went through. The account owner contacted Venmo requesting for the {$200.00} to be sent back to my account so I could send it to the correct account. Venmo declined her request because she had a pre-existing issue with the original account XXXX XXXX XXXXXXXX XXXX I am requesting a refund of the money that was sent from my account so I can simply send it to the correct amount. The account owner and I are in agreeance in this solving the problem. Venmo is declining to send my own money back to me. 

The pre-existing issue that account XXXX XXXXXXXX should not affect me as a customer in regard to receiving my own money that I sent back. The unresolved issue that the account owner XXXX XXXXXXXX has with Venmo should not involve me, cause issues in receiving my money back nor should cause a problem for me in regard to the current issue I am extremely unhappy about.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Misleading information includes incorrect dates, and amount of debt owed!

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 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
PayPal permanently limited my business account without clear justification, freezing over {$700.00} of my funds and preventing access to my business operations.

I am a content creator and sole proprietor who uses PayPal as instructed for high-volume, fluctuating transactions. My business model includes small payments, reimbursements for upfront product purchases, and variable income periods. I have a 0 % dispute and chargeback rate.

Months prior to the limitation, I proactively contacted PayPal regarding repeated sub- {$0.00} transactions. I was informed these were carding transactions that PayPal could not block and was instructed to reverse them, which I did.

I submitted all requested verification documentation and was repeatedly assured by PayPal representatives that my account was compliant and not at risk. Despite this, PayPal abruptly imposed a permanent limitation without providing specific transaction-level explanations or an opportunity to correct any alleged issue. I have received nothing but canned responses from PayPal and them refusing to give me any relevant info. This permanent limitation was abruptly placed on my account on XX/XX/year>. 

PayPal is now holding my funds, blocking pending transactions, and preventing removal of my personal and banking information.

I am requesting : A manual executive-level review Reinstatement of my PayPal Business account Release of all lawfully earned funds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
PayPal closed down my XXXX XXXX XXXX account. Only provided a very generic reason. Gave no option to appeal or review this. I have since learned that MANY people got their accounts shut down. 

For more details, I run a LEGAL digital international service and receive payments from other countries for work completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: MO

Complaint narrative:
I am reporting Santander Consumer USA for refusing to provide any payment accommodation or temporary hardship relief after my vehicle suffered a catastrophic mechanical failure less than XXXX weeks after purchase. 
The vehicle became inoperable due to mechanical failure currently under dispute with the selling dealership. Despite being informed of the situation, Santander has stated they are unable to adjust my payment or provide assistance due to internal policy restrictions. 
As a result, I am being required to make full monthly payments on a vehicle that can not be driven, while also incurring significant rental costs to maintain employment. 
I am requesting written clarification of my account options, documentation of any hardship or deferment programs available, and a review of my account for reasonable accommodation during this unresolved mechanical dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is a dispute with Chase United Credit Card. My card was used for a fraudulent transaction during a trip to XXXX. I reported it when I discovered the fraudulent charge on my Chase CC billing statement upon return from my trip. Two monthas after this on XX/XX/XXXX Chase Fraud department called me and said they investiagted it thru their Fraud department and determined that the charge was from a card swipe and therefore they said it was done when I was using the card.

I never swiped the card for anything of the sort of HVAC charge for more than XXXX that they said it was from. Despite that fact that the charge is for some kind of HVAC plumbing company located more than XXXX hrs from where I was visiting according to their fraud department it was done while the card was in my posession. It would have been physiaclly impossible to do a transaction with a company that far from where I was visiting and having dinner. The investigator on the phone asked me if I ever lost my card and I let them know I did not, and I continued to use the card for the remainder of my trip. The assumption is that someone must have copied the card or swiped it twice somehow? 

A couple days later ( XX/XX/XXXX and XX/XX/XXXX ) I got calls from Chase stating that I am responsible for the charge and I should dispute through another department at Chase ( Disputes department ). When I called them about this, the Disputes department said they can not accept a dispte since it must be a fraud. I am caught in a loop - Chase Bank 's United Credit Card between their Fraud and Disputes departments. They have re-added the fraud charge of more than {$2100.00} from XX/XX/XXXX to my bill. Help! Has this happened to anyone else with Chase?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On XX/XX/XXXX I scheduled my payment on XXXX of my credit cards with American Express like I normally do. They were due XX/XX/XXXX and XX/XX/XXXX. I received confirmation emails my payments were scheduled. On XX/XX/XXXX I got a notification of a late fee, I went and checked in the app it said I hadn't paid, so I paid again. I checked the other card and it still showed scheduled for XX/XX/XXXX payment. On XX/XX/XXXX I got a notification of another late fee and went in and paid that card again. Obviously there was some kind of technical issue but after contacting American Express support they refused to fix it and blamed me for not having autopay enabled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-02 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NE

Complaint narrative:
The card was purchased with the advertising that it could virtually be used anywhere XXXX based. This is false, most all websites and even XXXX do not accept this as payment. Deliberately misleading advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I went to a spa and paid for my service. They tried to get me to pay XXXX for a monthly spa service. I told them no, after being very pushy I told them I would think about it and call them the next morning. They wouldnt take my call the next day and said I needed to come in. After going in the said they opened an account with Synchrony Bank and I was locked in for services. I never signed anything except my debit card for original services. Im being billed for XXXX for services I never received or wanted. They also gave me free of charge skin care that I also returned to them the next day unopened. I have contacted Synchrony Bank several times and they will not do anything about this.

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 2026-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Paypal issued a credit card I never requested. The card was stolen sometime in XXXX in the mail- I only found out about the card and unauthotized transactions when I received a potential fraud alert on my phone from Synchony bank. I never activated or received this card. Someone spent {$2600.00} on this card in person. I let the bank know and they were supposed to cancel the card and do an investigation. It seems they never did an investigation and instead denied the claim. I filed a police report and the local detective has video evidence I am not the one who used this card at these locations. I sent this information to PayPal and they still did not investigate and properly look into this. No one contacted me or the police- despite the video evidence, I did not ever have this card and the charges were unauthorized. This violates the Fair Credit Billing Act and rules governing unsolicited cards. The case number from the XXXX is ( Complaint Report # XXXX ). The detective 's information is below : Detective XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX Office ( XXXX ) XXXX Fax ( 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 2026-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am XXXX  out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief