vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 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: IL

Complaint narrative:
XXXX Never protect people 's money, I am a victim of scam With XXXX and XXXX ads. Let 's explain, I watched some entertaining videos on XXXX. An ads appears in the middle of the video. accident, I clicked on that ad, then they took me to a separate website.There were some interesting adult videos showing, in the middle of the video they asked me to take a premium subscription so they would show the full video.The condition there is that the subscription is free, I just have to add my bank details.There are my personal details and my Gave me XXXX Card info then got me to watch the full video.Since no dollars were deducted from my XXXX at the time, I didn't pay any attention to it.After I finished watching that adult video, I started watching XXXX videos again. Many transactions were made from my XXXX bank to XXXX And XXXX, .. I don't have XXXX and XXXX account and also family don't have a XXXX And XXXX account, And I hate crypto it's looks like a Scam to me .so I contacted the XXXX customer service and opened a dispute when I saw the transactions. A few days after opening the dispute, the bank/XXXX refused to return the dollars and they declined my disputes. Upon discovering the unauthorized charges, I promptly notified XXXX and filed a dispute. XXXX denied my claim without providing sufficient documentation proving that I authorized these transactions. Now I want to request CFPB please review my case and please Please arrange for my dollars to be returned. These transactions were the direct result of phishing and card-not-present fraud. I respectfully request CFPB And XXXX team intervention to ensure compliance with federal consumer protection laws. I was scammed by a fake website. My XXXX debit card is compromised My XXXX account details First Name : XXXX Last Name : XXXX XXXX : XXXX Email : XXXX XXXX XXXXXXXX ID XXXX XXXX XXXX ID XXXX XXXX XXXX ID XXXX XXXX XXXX ID XXXX My card is compromised If this matter is not resolved promptly and in compliance with the Electronic Fund Transfer Act ( Regulation E ), I am prepared to pursue all available legal remedies, including filing a claim in Small Claims Court for the recovery of the unauthorized funds, court costs, and any other applicable damages. I would prefer to resolve this matter amicably ; however, I am fully prepared to present evidence that these transactions resulted from phishing and were not knowingly authorized by me. I am requesting one final opportunity for XXXX to conduct a proper and reasonable investigation before I initiate legal action. I'm Never Use Crypto in my life I am contesting these transactions and please arrange for my dollars to be returned. Note : I don't have XXXX And XXXX account it's 100 % true.please contact with XXXX And XXXX company. XXXX transaction must be refund

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Revolut Technologies Inc.
State: IL

Complaint narrative:
My account is restricted after trying to use XXXX XXXX to add money to another bank I have submitted all information they asked for and they are telling me it will take 7 BUSINESS days for them to release my money to me and unrestrict my account. Thats unacceptable. When I contacted support I receive no response other than the generic this is very important to us

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Possible Financial Inc
State: NV

Complaint narrative:
Whom It May Concern, I am writing to formally dispute the reporting of an account listed under POSSIBLE FINANCIAL INC on my credit report. The account reflects the following information : Balance : {$870.00} Remark : Account charged off {$870.00} written off {$870.00} past due as of XX/XX/2026 This reporting appears inconsistent and inaccurate. If the account has been charged off and written off, it should not continue to reflect a past-due balance of {$870.00}. Reporting a balance as both written off and still past due is contradictory and misleading, which does not comply with the Fair Credit Reporting Act ( FCRA ) requirement that information reported must be accurate and complete. Additionally, the continued reporting of this account as both charged off and actively past due is negatively impacting my credit profile. Due to these inconsistencies, I am requesting that this account be fully investigated and either corrected to reflect accurate information or removed entirely from my credit report. Please provide the following documentation to validate the reporting : The original signed agreement Complete payment history Documentation showing how the {$870.00} balance is calculated Evidence that the balance remains legally collectible after charge-off Confirmation of the date of first delinquency If you are unable to provide documentation validating the accuracy of this reporting, I request that the account be deleted from my credit file with all credit reporting agencies immediately. Please mark this account as disputed while your investigation is ongoing. I expect a response within XXXX days as required by the Fair Credit Reporting Act. Thank you for your prompt attention to this matter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
The credit card company is putting payments on hold past the due date causing me to end up with delinquent penalties and they said the reason is that I had a payment returned in XXXX of 2025. I had no such thing happened. My payments are always paid on time in full. They put a hold on all of my payments now and I only recently found out 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 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to dispute inaccurate information related to a vehicle repossession on my credit report. I am requesting an investigation into the following accounts pursuant to the Fair Credit Reporting Act ( FRA ). Please investigate the following accounts : LVNV FUNDING LLC ( Account XXXX XXXX ) : The details of this collection and charge-off are inaccurate and has No account number provided. Please verify all aspects of this account with the original creditor, if you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature The information is inaccurate and unfairly harms my creditworthiness. Please conduct a reasonable investigation and correct or delete these items as required by law. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: MN

Complaint narrative:
This is a formal notice that I dispute the validity of the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide full validation of this debt, including but not limited to : The name and address of the original creditor A complete itemization of the debt A copy of the contract, agreement, or other evidence bearing my signatureProof that you have the legal right to collect this debt A full accounting of all charges, fees, and interest Until these documents are provided, you must cease all collection activities, including reporting or verifying this debt to any credit reporting agency. Additionally, under 15 U.S.C. 1692c ( c ), I formally request that you cease further communication with me regarding this matter except as allowed by law ( e.g., to confirm you will stop contacting me or to notify me of specific legal actions you intend to take ) .Please note : Any further attempts to contact me outside the FDCPA guidelines may constitute a violation.Any attempt to sell, transfer, or assign this disputed debt to another collector without resolving my dispute will also be considered a violation. If you have already reported this account to any credit bureau, you are required to mark it as disputed.I expect your response within the time allowed by law. Failure to provide proper validation will require that you immediately cease all collection activities and correct any related credit reporting. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a complaint regarding Westlake Financial Services concerning an overpayment on my loan with XXXX financial Summary of the issue : * My settlement letter stated the settlement amount was {$5200.00}. * I have paid a total of {$6500.00}, as documented in the attached receipts. * XXXX XXXX issued a letter confirming the loan is PAID IN FULL, indicating an overpayment of {$1300.00}. * I have emailed XXXX on XXXX XXXX & XX/XX/year> & XXXX XXXX requesting a detailed payment breakdown and documentation confirming this overpayment, but have received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: WELLS FARGO & COMPANY
State: TX

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 my credit 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 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 2026-03-22 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: AL

Complaint narrative:
On XX/XX/XXXX, a {$1600.00} payment was sent from my XXXX account to XXXX XXXX without my authorization. I first reported this 6 days later and received no response from pay pal after initial auto generated email. They then provided an email XXXX that does not work. I again reported the transaction to XXXX on XX/XX/XXXX and filed a dispute as an unauthorized electronic fund transfer. XXXX denied my claim within minutes of submission, indicating that no reasonable investigation was conducted. I did not authorize this transaction, nor did I provide permission to any third party to access or use my account. XXXX has not provided any meaningful evidence supporting their denial, such as device, IP, or authentication data, and has failed to issue provisional credit or conduct a proper investigation as required under Regulation E of the Electronic Fund Transfer Act. I am requesting that this matter be properly investigated, that all documentation used in the denial be disclosed, and that the unauthorized {$1600.00} be refunded to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
At the end of XX/XX/year> I deposited a deposited a check into a new account for chase bank. I deposited the check into an atm right by my house. The bank was closed during deposit. I checked the app a couple days later and it had said my money needed verified and should take a couple days. No problem thats normal. The check was for {$6300.00} so I understood a couple day wait. After the few days I tried to access my account and it said it was frozen. I called the number provided and it was the fraud line. They said they need to verify funds and needed a phone number. I provided a phone number and they said that was wrong. The number I provided was the number for the company that issued the check in XXXX colorado. One of their customer service guys found a different number and called that one. He said it was in Texas and a verified number for the company. Ive since called chase bank multiple times to try and resolve this. They state it goes to voicemail. Ive asked for a manager call back and I have yet to recieve one. This has been an ongoing issue for 4 months. It has caused financial hardships. I need this resolved. One of the customer services agents told me they can hold it for 2 years. That doesnt seem accurate. Ive since called chase several times to try and resolve this. The money was resolved and verified by the issuing bank and Chase still refuses to give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im currently facing hardship and having problems to pay my payments and I called capital one to work with me with my current situation. But they didnt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
XXXX XXXX to initial investigation of false representation of the facts. Citibank does not disclose that there were several fraudulent charges on my account within a short period of time, thus causing me to be unableto pay the account, since they could not verify, if the charges were legitimate-due to an investigation. Each time that the fraud occurred, Citi canceled my account and sent a new card. The last card that they canceled-it took an extremley long time to get the new card. I made several calls to address this with Citi and their response was not to worry-no late fees would be assessed. At this time, I am requesting that the calls are pulled and the coversations be reviewed. They are clearly in violation of XXXX ( fair Credit Billing Act ) due to the ongoing fraud investigation. This matter needs further review and the calls need to be reviewed-particularly he XXXX in 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 monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I am filing a follow-up regarding unauthorized transactions on my Chime account. Multiple debit card charges labeled XXXX XXXX XXXX XXXX XXXX XXXX, now totaling approximately {$1700.00}, were made without my authorization. These were not payments I sent, but debit card funding transactions to another account. Since my original claim, I identified additional unauthorized transactions that were not included in my initial dispute. Chime has repeatedly denied my claims, even after I provided supporting documentation and requested a full investigation. I also obtained written confirmation from XXXX XXXX stating they were never contacted by Chime regarding my dispute and would have worked directly with them if notified. This indicates Chime did not conduct a reasonable investigation as required under Regulation XXXX. I requested documentation of the investigation, including merchant contact, device/IP data, and authorization method, but this was not provided. I did not authorize my debit card to be linked to or used by this individual. I am requesting a full re-investigation and reimbursement of the unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
A credit card issued in my name was stolen from the mail before I received or activated it. Unauthorized charges were made on XX/XX/year>, including a {$9500.00} charge at XXXX and additional transactions in New York. I reported this as fraud on XX/XX/XXXX and again on XX/XX/XXXX and was told it had been submitted as fraud, with a reference number provided. However, after more than XXXX days, these charges were still not properly handled as fraud and no timely provisional credit was issued. My account currently shows the transactions as disputed rather than fraud, contradicting what I was told. Additionally, a tax refund check issued in my name was stolen from the mail and fraudulently cashed. I did not authorize any of these transactions and never had possession of the card. I am requesting immediate reclassification as fraud, full provisional credit, and confirmation I have no liability.

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 monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
My mortgage company has recently switched from XXXX XXXX XXXX to now Rocket Mortgage. I called XXXX XXXX back on XX/XX/XXXX to find out more about my escrow analysis as I was not able to get any access online due to the merger. I was told that my escrow was short by {$8100.00} and I inquired about taking my escrow and taxes out of my mortgage after I paid the shortage. I was told I could put in a request but not until they receive the shortage. I paid the shortage of {$8100.00} via phone on XX/XX/XXXX and rep informed me that I will need to call back within XXXX hours to allow payment to post. I then called Rocket Mortgage on Friday XX/XX/XXXX and was passed around to at least XXXX different people after being told that I can not take out my taxes/insurance out of my escrow due to the type of loan I am in. I asked what bars me from that and they couldn't explain it to me. I was then told I needed to email XXXX to dispute this and put reasoning why I want to remove taxes/insurance. I am in a conventional XXXX year fixed rate mortgage and I purchased my home for {$900000.00} and financed my home for {$720000.00}. My current balance is {$710000.00} and to meet this criteria I need have at least 20 % equity paid off, which I have met.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi bank claims I had a account with them. I never had a account with them. The only credit card I have with them is a Macy 's card with only {$100.00} credit limit. I don't even have good credit to get a credit card from them. That is not my debt. I want it removed from my credit report. How can Transunion say it is accurate. It is not!!!!

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 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I am submitting this complaint to formally dispute a collection account that is appearing on my consumer credit report that does not belong to me. I do not recognize this account, I have never had a financial relationship with this creditor, and I have no knowledge of the alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting full validation and verification of this alleged debt. Specifically, I request the following : XXXX. Proof that I am the individual legally responsible for this debt, including a signed contract, application, or agreement bearing my signature. XXXX. The name and address of the original creditor, including the original account number. XXXX. An itemized accounting of the amount being claimed, including principal, interest, fees, and any other charges. XXXX. Documentation showing how and when this account was transferred to the current collection agency, including the chain of assignment. XXXX. Verification that this account has been accurately reported to the credit reporting agencies in compliance with federal law. Until proper validation is provided, this account should not be reported, re-reported, or updated to any credit reporting agency. If the collector can not provide sufficient documentation to validate this debt, I request that the account be immediately deleted from all credit reporting agencies. Please note that this letter is not an acknowledgment of liability, nor is it a refusal to pay a valid debt. It is a request for verification of a debt that I believe is inaccurate, unverifiable, or belongs to another individual. I am requesting that the CFPB investigate this matter and ensure compliance with all applicable consumer protection laws.

Company 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