vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-27 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:
On XX/XX/26 I have filed a complaint with XXXX  regarding the transaction on XX/XX/1926 purchase of foreign currency banknotes. The banknotes turned out to be XXXX copies of the real thing which in the US is a felony crime ( counterfeiting ) regulated by the US Federal Laws. To that effect I also filed a criminal complaint with the XXXX XXXX XXXX XXXX. 
In XX/XX/26 I have received an email below despite the fact that I already contacted the seller and they ignored my request for a refund. 
" To be eligible for PayPal 's Purchase Protection Program, you must attempt to contact the seller to resolve your issue directly before filing a claim. We need more information regarding the attempt to resolve the issue and why you were not satisfied with their resolution. Let us know if you've received a refund, negotiated a settlement with the seller or have other details to help resolve your issue. Please provide any documentation you may have related to your attempt to resolve this issue with the seller. '' Furthermore on XX/XX/26 I contacted XXXX  XXXX service center based in XXXX and I was told that the XX/XX/26 email sent to me doesn't exist and it wasn't sent to me. The other CSR representative told me however the email does exist and it is sent automatically if there is an update on the case. When I asked him what is the update I was put on a very long hold and then I was told that he's unable to provide me this info. XXXX  also stated that the info they requested from me ( the photos of what was actually received ) has not been received by them which they will not allow them to reach out to the seller. This is despite the fact that the photos were uploaded on my account ( see the screenshot ) attached below. 

It is evident that XXXX  is not interested in pursuing the case in good faith to dispute the purchase and it instead it is creating a different miscommunication techniques and cognitive crowding out by producing contradictory demands with the ultimate end result to deceive and deny the claim. It is called " cognitive overload '' and it is to make the process so difficult so the person making the claim quits and goes away. 
They are using XXXX call centers talking advantage of the cultural propensity to lie and manipulate not unlike the tech scam call centers while gaslighting customers to simply drop the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
I paid off my student loan in full with XXXX XXXX XXXX XXXX XXXX, on XX/XX/year>. Despite this, Mohela continues to claim that I owe XXXX XXXX XXXX. This discrepancy is causing my loan to appear as unpaid on my credit report, which is negatively impacting my XXXX XXXX and causing undue stress. I request the CFPBs assistance in resolving this issue and ensuring that my credit report accurately reflects the loans paid-off status.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My spouse was in the hospital for XXXX days after her XXXX, I asked the account to be cancelled immediately. XXXX XXXX fails to respond after several months. I sent copies to the payments to the Texas XXXX XXXX XXXX XXXX XXXX and was directed to your office. Ref # XXXX The email for XXXX XXXX was : XXXX The FTC Re # number is : CC for XXXX XXXX # XXXX was cancel ; however, credit report shows no payment.

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 2026-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: OPTUM BANK, INC.
State: CO

Complaint narrative:
I have a XXXX XXXX Account ( XXXX ) through my employer that is held with XXXX. I am currently unable to access my account online. When I attempt to log in through XXXX, I am taken to a page that says " temporarily unavailable '' and the URL ends with " participant_mismatch ''. 

I have attempted the following troubleshooting steps on my own with no success : resetting my password multiple times, clearing browser cookies, trying a different browser, trying a different computer, and using an incognito window. The same error occurs every time. 

I have called XXXX customer service XXXX times to try to resolve this issue. During all calls I was told that a supervisor would contact me by phone or email within XXXX minutes to XXXX hours. When the representative said they were transferring me, the line went to an automated survey and then disconnected. I was able to call back and speak with a representative named XXXX once. She assured me that my issue had been escalated. Every time, I do not receive any follow up from a supervisor or anyone else. 

Because I can not log in, I have no way to view my current XXXX balance or access my tax documents. I have also sent an email to customer service requesting resolution or at minimum to have my balance and tax documents mailed to me. I have not yet received a response. At this point, I'm not sure what else to do since I need access to my XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: Prosper Marketplace, Inc.
State: NC

Complaint narrative:
I am submitting a follow-up regarding XXXX Marketplaces repeated failures to substantiate the disputed account ( XX/XX/year> ). XXXX verified the account without providing requested documentation, including the full account ledger with due, posting, and reversal dates ; internal notes on delinquency determination ; and proper evidence of adherence to the hardship program. XXXX has ignored my prior CFPB complaint ( XXXX ), marking it as duplicate ( PDD ) instead of providing verification. Payment reversals occurred, some under disputed hardship terms, and proper proof is required to validate reporting. XXXX without evidence constitutes an FCRA violation ( XXXX XXXX. XXXX, XXXX ). I demand that XXXX either : ( XXXX ) provide full documentary evidence substantiating the accuracy of all disputed reporting, or ( XXXX ) remove all derogatory reporting related to this account. Continued reporting without substantiation constitutes willful FCRA noncompliance and XXXX result in regulatory and legal action.

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 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: NJ

Complaint narrative:
I asked a representative to send me a debt validation letter. I received a statement instead of a letter. I called twice for the information. I want a letter verifying I own the debt. Payment history, my signature, the current owner of the supposed debt. I am very unhappy that I am not getting what I am requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian, Equifax, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The XXXX enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB XXXX XXXX makes clear that agencies XXXX not impose unreasonable barriers to a consumers right to dispute under XXXX XXXX. XXXX. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

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 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian, Equifax, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The XXXX enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB XXXX XXXX makes clear that agencies XXXX not impose unreasonable barriers to a consumers right to dispute under XXXX XXXX. XXXX. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-27 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: Experian Information Solutions Inc.
State: TN

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 2026-01-27 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: Experian Information Solutions Inc.
State: MS

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 2026-01-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XX/XX/XXXX made a purchase of {$170.00} @ XXXX XXXX. On their credit card that I opened up on that day to save XXXX. On XX/XX/XXXX I made a payment of {$76.00}. XXXX charged me {$30.00} late fee and & {$5.00} Interest fee. Called and asked to have those charges removed since it was just XXXX days late. I was told they would only give me credit for half the late fee of {$15.00}. On XX/XX/XXXX I made a payment of {$120.00}, the balance of the purchased and the late fee and interest fee charged in XXXX. XX/XX/XXXX XXXX XXXX  charged me XXXX for a late fee and XXXX interest fees. XX/XX/XXXX {$41.00} late fee, {$3.00} interest fee. XX/XX/XXXX. {$41.00} late fee, {$4.00} interest fees. XX/XX/XXXX {$41.00} late fee, {$6.00} interest fee. XX/XX/XXXX {$41.00} late fee {$7.00} interest fee. I refused to pay and they sent me to collections. The purchase was paid in full, plus the original late fee plus interest. At XXXX they ruined my XXXX plus XXXX XXXX for fraudulent fees and fraudulent interest fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
As of XX/XX/year>, I received my student loan refund to my Capitol One card. I was informed over the phone, by a supervisor named XXXX, that if I used my checking and routing number instead of my debit card, I would be able to pay my power and internet bill. They restricted my account as soon as I spoke to the supervisor and set those payments up online. They know that my identity was stolen and because of that, I do not have an ID- I did not realize I had dropped my old wallet, or that it had been grabbed. They know that I have been fighting this for over a year. 

They know my new phone number and they are aware that I do not have access to my old phone numbers- and yet, they will not add my new phone number to my account. 

Even though they are well aware of this and they are aware that my town does not accept out of state checks and that my daughter is the only one who currently has ID, they will not release the payment to my internet or power company, they know that I have never been to an in-person XXXX XXXX branch, as there is XXXX XXXX miles away and I have never had a way to get to XXXX. 

They refuse to release the payment to my internet and power company after they put a " permanent restriction '' on my account this morning. They refuse to listen to anything that I say and keep repeating that they will not do anything but send me a check. 

I want them to release my payment to my power and internet company. I want them to allow me to transfer my remaining money to an external account that I keep trying to give them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
I was at the barbershop when a kid asked me can he use my phone he asked for my phone password to call his mom ok I get my phone back and see an email from cashapp saying I sent XXXX to an account I dont even recognize and all cashapp aka square have to say is security lock and mind you I turned it on the same day I was scammed I XXXX seek legal advice within XXXX days and cashapp use bots for disputes!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX 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 XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several entries on my consumer credit report. The Fair Credit Reporting Act ( FCRA ) requires that all information on a consumer credit report be accurate, complete, and fully verifiable. Unfortunately, it appears that your agency has failed to meet these obligations in my case. Recent enforcement actions by the Consumer Financial Protection Bureau ( CFPB ) against Experian, Equifax, and TransUnion have highlighted widespread noncompliance with federal law, including inadequate investigations, reliance on unverifiable data, and the unlawful reinsertion of previously deleted information. These actions demonstrate the harm consumers face when inaccurate or unverified information remains on their credit files. I am providing documentation identifying the accounts and entries that were not properly investigated or removed as required by law. I request the immediate deletion of all information that is inaccurate, incomplete, or unverifiable. The XXXX enforcement actions reaffirm the legal obligation of all credit reporting agencies to process disputes fairly and without obstruction. Additionally, CFPB XXXX XXXX makes clear that agencies XXXX not impose unreasonable barriers to a consumers right to dispute under XXXX XXXX. XXXX. Any refusal to accept my dispute based on formatting, preferred forms, unnecessary identity-verification hurdles, or other procedural obstacles constitutes an unlawful practice.

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A.

Complaint narrative:
To Whom It XXXX Concern, I am submitting this complaint regarding Citibanks rejection of a valid XXXX dollar annuity check, which has left me without a means to access annuity funds to which I am legally entitled. 

I am a XXXX annuity recipient residing outside the United States. For many years, my XXXX dollar annuity checks were successfully deposited through my local bank via XXXX correspondent banking channels. In XX/XX/year>, my annuity check was returned unpaid. My bank advised that the rejection originated from Citibank in the United States, acting as the XXXX clearing bank, and that Citibank no longer processes this type of international check deposit. 

The check was valid and properly issued. The rejection was not due to insufficient funds, fraud, or any action on my part. It appears to result from an internal operational or policy change by Citibank, for which no advance notice or alternative access method was provided. 

Compounding the issue, the annuity issuer has stated that international wire transfers are not permitted. As a result, I currently have no viable way to receive my lawful annuity payments. 

I respectfully request the CFPBs assistance in reviewing whether : Citibanks refusal to process these checks constitutes an unfair or unreasonable practice when no alternative access to funds is available. 
Adequate notice or consumer protections are required when such policy changes materially affect a consumers ability to access funds. 
Citibank should be required to clarify its policy and identify acceptable alternatives for consumers residing outside the United States. 

This matter has caused significant financial disruption despite the legitimacy of the funds and my long-standing compliance. I am seeking clarity and a practical resolution that allows uninterrupted access to my annuity payments. 

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 2026-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for the Capital One XXXX credit card on XX/XX/year> through an XXXX advertisement offering a {$200.00} welcome bonus after spending {$500.00} in XXXX months. 
After approval, my account shows no such offer. When I contacted Capital One by phone, they informed me my account was opened under a version of the card without the bonus and that they can not add it after account opening. 

I applied specifically because of that advertised promotion and would not have applied otherwise. I am requesting that Capital One review the application source tied to that XXXX advertisement and honor the advertised welcome bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-27 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: U.S. BANCORP
State: MD

Complaint narrative:
Hard inquires were placed on my Transunion credit report

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 2026-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: IL

Complaint narrative:
I called CASHAPP compnay XXXX  times with different support agents. But every time I was told to file an appeal to re-open the account to get access to XXXX and XXXX XXXX tax document. XXXX of the agent started the appeal but I did not receive any confirmation. Also I was told it will take upto XXXX  days to get the appeal response. For tax filing purpose this access should be instant.

Company response to consumer: Closed with explanation