vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-13 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: GA

Complaint narrative:
case ID ( XXXX XXXX XXXX the amount ( {$980.00} ), the date of the original transaction ( XX/XX/year> ) ( Transaction ID XXXX ) My PayPal claim keeps getting denied for the same reason despite me quite literally sending the tracking information XXXX provided me and showing emails showing XXXX being the ones that have issued me the label? Ive appealed atleast 5 times now, denial repeatedly for the same reason. One even said the address I sent my item too is different from the address on the sellers account or something so i clarified and showed in the disputes that XXXX sent me the label. I am starting to feel like a BOT is working on my dispute. Please help me. This is terrifying.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: VA

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 2026-05-13 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: EQUIFAX, INC.
State: VA

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 response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is about my Best buy credit card.I was not aware that since XX/XX/year>, they charged me around {$500.00} as an interest because I failed to to pay the promotional balance that is due within the time frame.I was not aware on that because when I applied for the card, I was just buying my laptop and the store associate persuaded me to open a card.I didnt know that I have to pay the whole amount within 24 months and if I know I shouldve pay the whole amount because I got an autopay with this card and they dont have an app to track the charges and statements unless you go to the website which will take forever because it always has some issues.I tried to call several representatives and they say the same thing, theres no way that I can waive it so what I did is pay everything with my allowance for 2 months and now I dont have any money to spend on my daily living.Im just a student, I dont work and my aunt just helps me and give me {$500.00} per month to live and the fact that I paid {$1100.00} today, how will I live on the following days? this is so much pain on me.

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 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I booked a flight with XXXX XXXX, XX/XX/year>, using my Capital One Venture Credit Card. Recently, the airlines went out of business and a refund of {$190.00} was applied as a credit, as I learned of this on XX/XX/year>. I asked if the full refund could be applied towards the balance or refunded back to my bank account. They only applied {$16.00} vs. the full amount of {$190.00} towards the balance of {$620.00}, and I was told " NO '' and that it was applied as a credit. I communicated with agents on several occasions within XXXX day, particularly XX/XX/XXXX, as XXXX agent hung up on me while I was talking. I also called Capital One on XX/XX/year> and XX/XX/year>. I was never informed the refund was applied towards a credit until XX/XX/XXXX. At that time, I was told that Capital One made the decision to apply the refund towards the credit amount. I was not given an opportunity to decide where I wanted my money to go.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection. PORTFOLIO RC Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: TransferWise Ltd

Complaint narrative:
I paid approximately XXXX XXXX to activate a Wise Business account because I needed the payment link feature that allows customers to pay using credit cards. This feature was one of the main reasons I upgraded and paid for the business account. After completing payment and account activation, I discovered that the payment link and credit card payment feature was not enabled on my account and remains unavailable. I was not clearly informed before payment that the feature would not be immediately accessible or that additional approval or activation delays existed. Because of this, my business experienced delays in accepting customer payments and interruptions in normal operations. I contacted Wise support to request clarification and activation of the feature, but the issue has not been resolved within a reasonable timeframe. I believe this may constitute misleading or unfair business practice because payment was collected for a business service feature that was not actually available to use at the time of purchase. I am requesting that Wise be held accountable for the misleading activation process and provide a proper resolution, including clarification regarding feature availability, activation timelines, and possible reimbursement or compensation for the inconvenience and business impact caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
I am filing a complaint about Cash Apps handling of a fraud dispute related to an imposter scam involving my XXXX XXXX XXXX XXXX account ( for which I have a separate CFPB complaint ). On XX/XX/year>, I submitted a fraud dispute through Cash App regarding unauthorized/fraudulent transactions. I heard nothing back for weeks. On XX/XX/XXXX, I called Cash App, but support was closing. On XX/XX/XXXX around XXXX XXXX Cash App support [ name XXXX ] called me back and told me my case was still under investigation. I asked if I should wait XXXX more days, expect a call, or wait for an email ; she said she would follow up with me by email or phone. I received no update. On XX/XX/XXXX, I called Cash App again because I still had no decision. Support [ name XXXX ] told me that since it had been over a month since my XX/XX/XXXX submission and there was no update, I should resubmit the case. I agreed, and she told me I could use Case # [ Case # 1 ] to follow up, but it was unclear whether that was the original case or the resubmitted XXXX. On XX/XX/XXXX at XXXX XXXX, I received an email from Cash App ( Case # [ Case # 1 ] ) saying they could not proceed because they did not receive all information and asking me to answer questions, including my legal name, XXXX, contact information, dates/amounts, and description of what happened. XXXX minutes later, at XXXX XXXX, I received a second email from Cash App ( Case # [ Case # 2 ] ) saying no error occurred and my dispute was closed and that the funds were dispensed properly. I did not respond to the XXXX XXXX email because I assumed the XXXX XXXX denial was the decision on my active case. On XX/XX/XXXX at XXXXXXXX XXXX I received XXXX more emails : XXXX saying Case # [ Case # 2 ] was closed because a response was provided or more than 3 days had passed, and another saying the same thing for Case # [ Case # 1 ]. This is contradictory because they had already told me in the XX/XX/XXXX XXXX XXXX email that Case # [ Case # 2 ] was closed with a final decision ( no error occurred ). As of XX/XX/year>, I have requested the denial documents for Case # [ Case # XXXX ] through Cash App. I still do not know which case number is considered the first vs. resubmitted case, and their emails do not make sense. My concern is that Cash App did not conduct a proper investigation of my fraud dispute, delayed action, created confusion with multiple case numbers, and then denied or closed my claims with boilerplate language. I am requesting that the CFPB require Cash App / Block , Inc. to comply with its legal obligations to investigate unauthorized transfers, clarify which case ( s ) they actually investigated, and reconsider their denial of my fraud claim. I also ask that they correct any internal records that indicate no error occurred when I was the victim of an imposter scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXXXXXX XXXX charge on XX/XX/year> I requested a reopening and reconsideration of a dispute that I closed on my own In order to resolve the issue with the merchant. XXXX did not formally review the dispute and considered the transaction valid within XXXX hours without getting a response from the merchant. This dispute is about service non-delivery and requires careful review in order to make a just decision. I am requesting a formal review and a reversal of funds for this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am a victim of identity theft and have been falsely accused of owing {$5900.00} by XXXX XXXX XXXX XXXX, representing Midland Credit Management , Inc . The lawsuit claims the debt originates from XXXX, XXXX, but I deny being the debtor or authorizing any transaction related to this debt. I have never opened, used, or authorized any account with XXXX and have no business relationship with them. I first learned of this fraudulent debt when I received a legal notice from XXXX XXXX, XXXX. Upon reviewing the claim, I immediately recognized that this account is not mine. The debt was incurred using my personal information without my consent. Upon discovering this fraud, I began taking immediate steps to protect myself, ensuring that the identity theft is thoroughly investigated. I am actively clearing my name from any connection to this fraudulent debt. The plaintiff is required by law to provide proper verification and documentation of the debt they claim I owe. However, to date, no satisfactory documentation has been provided. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and Massachusetts Consumer Protection Act ( M.G.L. c. 93A ), I am entitled to this verification. The plaintiffs failure to provide the required documentation violates my rights. The FCRA and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, mandate that the plaintiff provide proper verification. Their failure to do so violates both federal law and Massachusetts law. XXXX XXXX, XXXX and Midland Credit Management , Inc. are continuing to pursue me for a debt that I do not owe, which is in direct violation of these laws. This pursuit of fraudulent debt has caused significant emotional distress and financial hardship. I have been falsely accused of owing money for an account I did not open or use. I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this issue, and I formally request that this case be dismissed. I seek to clear my name and protect my rights from further harm caused by this false accusation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
The main issue is an Inaccurate characterization of account communications as fraud-related ; improper account handling, closure, and downstream reporting impacts I am submitting this complaint regarding CareCredits ( Synchrony ) repeated and inconsistent characterization of my account communications as involving a fraud investigation and alleged unauthorized account activity. Synchronys written CFPB response states that my account was referred for a fraud investigation and implies that I initiated a fraud-related claim involving unauthorized account use or account compromise. I dispute this characterization as inaccurate. At no point did I report identity theft, unauthorized account access, lost or stolen card usage, or request a fraud investigation based on third-party account takeover or unauthorized use. My communications over an extended period ( approximately over XXXX year ) consistently involved billing disputes, chargeback requests, and disagreements regarding services and charges. These disputes were related to billing and service issues and not allegations of fraud or unauthorized account activity. Core Issue : The primary issue is not the outcome of any fraud investigation, but rather the accuracy of Synchronys characterization of my communications. XXXX XXXX Claim Leading to Account Actions downstream. The central issue is that Synchrony is now attributing a fraud investigation request to me that I did not initiate. This alleged fraud classification appears to have been used as the basis for account handling actions, including abrupt account closure and subsequent account changes, including reissuance or account restructuring. This is significant because it appears to be the stated justification for why the account was closed and later reissued or altered due to fraud being investigated, a claim that was never made by me. The closure should not have occurred on the basis of an inaccurately attributed fraud allegation. This sequence of events also appears to have cascaded into broader account impacts, including changes affecting promotional terms and deferred interest handling. It is unclear how many downstream account adjustments were triggered as a result of this alleged fraud classification and abrupt closure.

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 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: RFNA, LP
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Date : XX/XX/XXXX XXXX XXXX Re : Request for Debt Validation Account Balance Reported : {$5900.00} Reported Date : XX/XX/XXXX To Whom It May Concern, I am writing to request validation of the alleged debt being reported under the name XXXX XXXX on my credit report. I recently reviewed my credit file and noticed the following account information : Creditor : XXXX XXXX Balance Reported : {$5900.00} Opened : XX/XX/XXXX Status : In Collections Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am requesting that you provide proper validation of this debt. Please provide the following : The original signed agreement or contract bearing my signature The complete payment history on the account The name and address of the original creditor Documentation showing that your company has the legal right to collect this debt Proof that the amount being reported is accurate and includes an explanation of all fees, interest, or charges added Until this debt is properly validated, I request that all collection activity cease and that this account not continue to be reported inaccurately to any credit reporting agencies. If you can not provide the requested validation, I request that the account be removed from my credit reports with all credit bureaus. Please respond to this request in writing within 30 days of receipt of this letter. Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: MD

Complaint narrative:
Hi, XXXX here. Your transaction is nearly complete. Hit this to trigger your deposit : XXXX XXXX : URGENT - Last Chance to Get Your Next Grocery Bill Cheaper! Find Out How You Can Save : XXXX XXXX XXXX XXXX, look at this, its an option that is close by. See more here - https : XXXX Reply STOP to opt outMl

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
Midland Credit Management is falsely reporting on my credit. I have never had any accounts with them. They have been calling me threatening me with lawsuits if I do not pay. Per my research, MCM is a debt collector. They are falsely reporting on my credit file with account # XXXX, and is against my rights and fair credit act under U.S. codes 15 USC 1692c, 15 USC 1692g, 15 USC 1681e ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I am filing a complaint regarding an increase in the annual fee on my XXXX XXXX XXXX issued by Chase. When I opened the account in XX/XX/year>, the terms included a {$0.00} introductory annual fee for the first year and {$95.00} thereafter. I was subsequently charged a {$150.00} annual fee without any clear or recalled prior notification. Under the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act, issuers are required to provide at least 45 days advance notice of significant changes in account terms, including annual fee increases. Upon contacting Chase, I requested documentation showing that such notice was sent to me. Instead of providing account-specific documentation, they supplied a generic marketing advertisement intended for new applicants, which does not demonstrate compliance with notice requirements. I am requesting that Chase : Provide verifiable proof of the change-in-terms notice, including date and method of delivery Provide a copy of the actual notice sent to my account XXXX or adjust the annual fee if proper notice can not be demonstrated I am seeking a fair resolution and accountability regarding required disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-13 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: CCF Intermediate Holdings LLC
State: SC

Complaint narrative:
THIS DISPUTE IS WITH SPEEDYCASH AND COMPANY.I have disputed this multiple times through XXXX XXXXmy last dispute was on XX/XX/year> and was returned XX/XX/year> with UNKNOWN as the result.i have explained that this is not my account and it may be my father 's account because we have exact name, first last and middle.This company hasn't responded and their notes state unknown on my disclaimer sent through XXXX XXXX and no information has been given to me.

Company response to consumer: Closed with explanation