vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/year>, I sent two payments totaling {$100.00} through Chimes Pay Anyone feature as a deposit for towing services from an individual advertising mobile mechanic and towing services on XXXX. The payment was labeled Partial Tow. After receiving the payment, the individual repeatedly requested additional payments, claiming issues with his account and equipment, but never provided the agreed towing service. The messages clearly show escalating payment requests and misrepresentation of services. I reported the transaction as fraud and submitted all documentation to Chime, including message logs and the business profile used to solicit the service. Chime denied the dispute solely because the payment was authorized, ignoring evidence that the payment was obtained through deception for services that were never performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: NC

Complaint narrative:
The company bought the debt from an original lender. Reporting XXXX different information to XXXX different bureaus. Reporting to XXXX that its is the original creditor but report to another that XXXX is the original creditor. They showing that I open an account with them. I never open account with them XX/XX/year>. Where is the contract I sign with them to pay this debt? What was the monthly payments at the opening of the account? How is the account open with them and I got no agreement or contract? How can you open the account with a sign agreement between both parties? Why was the account open? What good or item or service I got for this account to get open? XXXX and NCB management are not the same company. Because XXXX sold the debt to NCB management and I never had an agreement with this creditor. So how can this company collect money from a service they never provided for me. With bonded context between I and NCB management.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
This is an invalid debt that was resolved with original creditor. The upload attached with documentation of debt as income. This debt with One Main is invalid. Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account Number XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the account referenced above that is currently being reported on my consumer credit reports. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), I request full validation of this alleged debt. Please provide the following documentation : 1. A copy of the original signed contract or application bearing my signature. 2. Documentation proving your legal standing and authority to collect on this account. 3. A complete accounting of the alleged balance, including all fees and interest. 4. Proof that the debt was legally assigned or transferred to your company. 5. Verification that the information reported to the credit bureaus is accurate and complete. If you can not provide the above documentation, you must immediately cease all collection activity and request deletion of this account from all consumer reporting agencies. Additionally, please provide the method of verification used to report this account to the credit bureaus. Failure to comply with these requests within 30 days will constitute your inability to validate the alleged debt, and I will demand immediate deletion of this account from all credit reporting agencies. All future communication regarding this matter must be in writing. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : XXXX unfairly blocked withdrawal of my funds after XXXX hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. XXXX hold period has expired, but withdrawal remains blocked ( balance {$7000.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. No reason given for continued restriction. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$7000.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Subject : Formal Complaint PayPal Account Permanently Binded for Over 180 Days, Funds Unwithdrawable Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a formal complaint to your Bureau against PayPal, My PayPal account has been permanently bound for several years. My funds remain held without any clear explanation or legal basis. This violates the User Agreement. I have contacted PayPal multiple times requesting the release of my funds, but have received no concrete explanation to date. There has also been no clear legal or legitimate basis for the prolonged freezing of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : XXXX unfairly blocked withdrawal of my funds after XXXX hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. XXXX hold ended XX/XX/XXXX ( balance {$1300.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$1300.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Yes wells Fargo Bank closed my account I needed several months of statements that could no longer access my account so I couldn't get those statements I asked the bank for statements and I've called several times to try to get statements but I've never received them so I won't statements on this account but they're not giving them to 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 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have held an Everyday Checking account with Wells Fargo for over a decade, and for the majority of that time, I maintained a {$500.00} balance specifically to avoid fees as originally instructed. In late XXXX, Wells Fargo quietly tripled the minimum balance requirement to {$1500.00} without prominent or adequate notice. This change purposely coincided with me aging out of their youth fee waiver, resulting in surprise monthly service fees draining my balance starting in XX/XX/year>. This is deceptive, predatory, and penalizes long-term customers who use the account as a safety net.

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after XXXX hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. XXXX hold ended XX/XX/XXXX ( balance {$3100.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$3100.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Subject : Formal Complaint PayPal Account Permanently Binded for Over XXXX Days, Funds Unwithdrawable Dear Consumer Financial Protection Bureau ( CFPB ), I am submitting a formal complaint to your Bureau against PayPal, My PayPal account has been permanently bound for several years. My funds remain held without any clear explanation or legal basis. This violates the User Agreement. I have contacted PayPal multiple times requesting the release of my funds, but have received no concrete explanation to date. There has also been no clear legal or legitimate basis for the prolonged freezing of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Armada Corp.
State: NV

Complaint narrative:
I clearly told them in writing to stop collecting a debt that I dont actually owe, and still sued me, harassed me and my family, charged interest fees etc etc, many violations. I will sue them for sure .. business like armada should be put out completely. They do nothing for the people. They try to intimidate people with their rude and unprofessional staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Notice of Error Loan Modification Misrepresentation XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX Date : XX/XX/year> Loan Number : XXXX Shellpoint Mortgage Servicing XXXX XXXX Department XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Notice of Error Under RESPA Loan Modification To Whom It May Concern, This letter constitutes a Notice of Error under the Real Estate Settlement Procedures Act ( RESPA ) regarding the servicing of my mortgage loan. During phone conversations with representatives of Shellpoint Mortgage Servicing, I was informed that : My interest rate would remain the same as my current loan. My past-due balance would be added to the back end of my loan. My original interest rate was 3.5 %. However, when the loan modification documents were sent to me through XXXX, the documents reflected a new interest rate of 7.125 %. This was not consistent with what had been represented to me during phone calls with Shellpoint representatives. Because I was under the threat of potentially losing my home, I executed the modification documents. I was later informed that my past-due balance could not be fully added to the back of the loan, and I was instead placed on a payment plan that increased my monthly payment by approximately {$500.00}. The payments went from an estimated {$1700.00} to now over {$3000.00} a month and the new interest rate will add a larger sum of money for me to pay. The program was supposed assist me in financial hardship. I have had historical loan modifications with my previous lender XXXX XXXX XXXX, XXXX and they NEVER increased my interest rate. I believe an error has occurred in the servicing of my loan and the explanation of the loan modification terms. I am requesting that Shellpoint : 1. Investigate the servicing of my loan modification. 2. Review the recorded calls and servicing notes relating to my modification discussions. 3. Provide a written explanation of why my interest rate increased from 3.5 % to 7.125 % despite representations that the rate would remain unchanged. 4. Provide documentation explaining why the past-due balance was not deferred to the end of the loan as represented

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 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I am writing regarding the above-referenced account that is currently being reported on my credit report. This letter serves as a formal request for validation of the alleged debt pursuant to my rights under the Fair Debt Collection Practices Act. I dispute the validity of this account and request that your office provide verification that I have a legal obligation to pay this debt. Please provide the following documentation : The original creditors name and address A copy of the original signed agreement or contract creating the debt A complete payment history including all charges, interest, and fees Documentation showing your authority to collect on this account Verification that the debt has been reported accurately to the credit reporting agencies If you can not provide the requested validation, I request that this account be removed from all credit reporting agencies. Until proper validation is provided, please cease reporting this account as required by federal law. Sincerely,

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 2026-03-10 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: OneMain Finance Corporation
State: TX

Complaint narrative:
Since approximately XX/XX/XXXX I have been attempting to correct inaccurate information appearing on my credit reports. I have disputed several accounts with the credit bureaus and directly with the creditors multiple times. I have also submitted identity theft documentation including an FTC Identity Theft Report and supporting documentation. Despite these efforts, the companies continue to report the accounts as verified without providing documentation showing that I opened or authorized the accounts. The accounts have been disputed several times with the credit bureaus and directly with the creditors. In some responses the companies stated that the accounts were verified because contact information such as a phone number or email address matched my information. However, matching contact information does not prove that I opened the accounts. I have requested documentation such as the original signed agreement, application records, and payment source information. These records have not been provided. The continued reporting of these accounts has negatively impacted my credit despite my repeated disputes and identity theft documentation. I am requesting a proper investigation and removal of any accounts that can not be verified with documentation showing that I opened and authorized the accounts. XXXX of events : XX/XX/XXXX I began disputing several accounts appearing on my credit reports that I did not open or authorize. XXXX XXXX I submitted disputes to the credit bureaus and directly to the creditors. XX/XX/XXXX I submitted identity theft documentation including an FTC Identity Theft Report and supporting documents. XX/XX/XXXX A fraud alert was placed on my credit file. Late XXXX through early XXXX I continued to dispute the accounts with the credit bureaus and the creditors. The accounts were repeatedly reported as verified without documentation proving that I opened or authorized them. Some responses stated that the accounts were verified because contact information such as a phone number or email address matched my information. This does not prove that I opened the accounts. Despite multiple disputes and identity theft documentation, the accounts remain on my credit report and continue to negatively affect my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. XXXX hold ended XX/XX/XXXX ( balance {$100.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$100.00} to my bank account. 4. Attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX. Personal / Company Information Complainant : XXXX XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX. Email : XXXX XXXX. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service XXXX XXXX Complaint XXXX Issue : PayPal unfairly blocked withdrawal of my funds after XXXX hold and threatens to escheat them. XXXX : Account permanently limited on XX/XX/XXXX. XXXXday hold ended XX/XX/XXXX ( balance {$1200.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$1200.00} to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This correspondence constitutes my First Round Formal Dispute Notice directed to Equifax, TransUnion and Experian regarding inaccurate charge-off accounts currently appearing on my consumer credit report. After carefully reviewing my credit file, I discovered information that I believe is inaccurate, incomplete, or unverifiable. Because the presence of inaccurate derogatory accounts can significantly harm my credit standing and financial reputation, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I am formally requesting that Equifax, TransUnion and Experian conduct a thorough and good-faith reinvestigation of the information listed below. If these accounts can not be verified through proper documentation from the original furnishers, I respectfully request that they be permanently removed from my credit file. XXXX XXXX CT XXXX XXXX Date Filed/Reported : XXXX Reference # : XXXX Charge Off : XXXX XXXX XXXX XXXX Balance {$63.00} XXXX XXXX XXXX XXXX XXXX Balance {$67.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This correspondence constitutes my First Round Formal Dispute Notice directed to Equifax, TransUnion and Experian regarding inaccurate charge-off accounts currently appearing on my consumer credit report. After carefully reviewing my credit file, I discovered information that I believe is inaccurate, incomplete, or unverifiable. Because the presence of inaccurate derogatory accounts can significantly harm my credit standing and financial reputation, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I am formally requesting that Equifax, TransUnion and Experian conduct a thorough and good-faith reinvestigation of the information listed below. If these accounts can not be verified through proper documentation from the original furnishers, I respectfully request that they be permanently removed from my credit file. XXXX XXXX CT XXXX XXXX Date Filed/Reported : XXXX Reference # : XXXX Charge Off : XXXX XXXX XXXX XXXX Balance {$63.00} XXXX XXXX XXXX XXXX XXXX Balance {$67.00}

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 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
1. Personal / Company Information Complainant : XXXX XXXX XXXX Name : XXXX XXXX XXXX XXXX, XXXX. Email : XXXX 2. Company You Are Complaining About Company Name : PayPal Holdings , Inc. Product/Service : Money transfer service 3 . Complaint Details Issue : PayPal unfairly blocked withdrawal of my funds after 180-day hold and threatens to escheat them. Timeline : Account permanently limited on XX/XX/XXXX. XXXX hold ended XX/XX/XXXX ( balance {$120.00} ). On XX/XX/XXXX, PayPal emailed threatening to clear funds. Withdrawal remains blocked ; no reason given. Attempts to resolve : Contacted PayPal multiple times, but they failed to explain or restore access. Desired resolution : Lift withdrawal restriction immediately and allow transfer of {$120.00} to my bank account.

Company response to consumer: Closed with explanation