vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-26 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: DE

Complaint narrative:
Chime Dispute Department Re : Request to Reopen Dispute Fraudulent Apple Cash Transaction ( {$300.00} ) To Whom It May Concern, I am writing to formally request that Chime reopen my dispute regarding a {$300.00} XXXX XXXX transaction that was sent on XX/XX/XXXX2025, as this transaction was the result of a scam and fraud. I was in contact with a company calledXX/XX/XXXXXXXX to purchase an XXXX for {$300.00}. I was instructed to send the payment through XXXX XXXX to the phone number XXXX, which I did on XX/XX/XXXX. After sending the payment, I provided my address and was told I would receive tracking information. On XX/XX/XXXX, I received a tracking number, and on XX/XX/XXXX, XXXX marked the package as delivered. However, the delivery photo was not my residence. I contacted the company, and they stated the delivery issue was an internal error and that they would either reimburse me or send a new phone. I agreed to have a replacement phone sent. I received another tracking number on XX/XX/XXXX. On XX/XX/XXXX, XXXX again marked the package as delivered, but the delivery photo again showed a location that was not my residence. I immediately contacted the company and requested a refund. After multiple attempts to contact them on XX/XX/XXXX, and XXXX, I discovered that the company had deactivated their account and I was no longer able to contact them. I also contacted XXXX and was informed that I could not obtain information about the package because my name was not listed on the shipment, which further indicates that I may have been a victim of fraud. This was a scam under false pretenses. I did not receive the item I paid for, the seller became unreachable, and the tracking information provided appears to have been fraudulent or incorrectly addressed. I am requesting that Chime reopen this dispute and investigate this transaction as fraud and issue a refund for the {$300.00}. Please provide me with a written response regarding this matter. If this issue is not resolved, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other appropriate agencies. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Lending Services LLC
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/year> To : Global Lending Service XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Re : AccountXX/XX/XXXXXXXX Dispute of Deficiency Balance Dear GLOBAL LENDING SERVICE, I am writing to formally dispute the validity and accuracy of the alleged deficiency balance of {$9600.00} associated with the above-referenced account. Upon reviewing my records, I have serious concerns regarding the accounting of this debt : XXXX. The sale of the collateral ( my vehicle ) at auction was referenced in your statement, but no documentation was provided showing the amount received from the auction. Without this, the deficiency balance can not be verified. XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I have the right to request validation of the debt, including a full accounting of the principal, interest, fees, and net proceeds from any repossession sale. XXXX. Until you provide documented proof of the auction sale amount and a complete ledger showing how the balance of {$9600.00} was calculated, this debt is considered unverified and potentially inaccurate. Therefore, I demand that you : Provide written verification of the alleged balance, including a full accounting of the auction proceeds. Cease reporting this alleged deficiency to any credit reporting agencies until verification is provided. Remove any negative reporting from my credit file related to this account if you can not provide proper documentation. If you fail to provide verification within XX/XX/XXXX days, I will consider this debt disputed in full and may escalate the matter to the CFPB and/or seek legal remedies under the FCRA and FDCPA. Please send all requested information to the address above. I expect your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Delta Management Group, Inc.
State: IL

Complaint narrative:
Delta Management Group contacted my ex wife who I have been divorced from for XXXX years and shared sensitive financial information without me giving consent to do so. My ex wife was never part of my company, business, and never on any transaction or had anything to do with any business transactions with my company. I also settled with XXXX years ago, which is who they are stating they represent, after they garnished all my bank accounts including my daughters student account.

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 2026-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/year>, I made a payment of {$300.00} to a merchant using PayPal, funded by my XXXX XXXX card. The merchant issued a full refund on XX/XX/year>. PayPal processed the refund and marked it as completed on XX/XX/year>, including a reversal of the transaction fee. Despite the refund being completed, I have not received the {$300.00} back to my XXXX XXXX account as of XX/XX/year>. I contacted both PayPal and XXXX XXXX multiple times. PayPal initially advised that the funds would be returned between XX/XX/year>, then later changed the timeframe to XX/XX/year>. XXXX XXXX stated that refunds could take XX/XX/XXXXdays, which is inconsistent with PayPals timeline. On XX/XX/year>, a XXXX XXXX representative confirmed that the refund was visible as pending and would be available in my account by the end of the day. The funds were not posted, and as of today, I still do not have access to my money.PayPal has since stated they will initiate a trace investigation, which will take an additional XXXX business days. However, the refund has already been marked as completed, and I have not received any confirmation of where the funds are currently located.I am unable to access my refunded funds, and both companies have failed to provide clear, consistent, or accurate information regarding the status of my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: HI

Complaint narrative:
I used PayPal Pay in XXXX to purchase merchandise from XXXX totaling approximately {$480.00}. I returned the merchandise within the merchants stated return policy and paid for return shipping. The return shipment was sent via XXXX XXXX Mail, and official XXXX tracking confirms that the package was delivered to the address provided by the merchant. The merchant initially denied the refund citing insufficient logistics proof. After I provided official XXXX delivery documentation, the merchant changed the denial reason and alleged that the returned items were not the original items purchased. I requested documentation supporting this claim, including inspection evidence such as photos or reports, but the merchant did not provide any evidence or respond further. I filed a dispute with PayPal.These are the case numbers, XXXX XXXX XXXX. PayPal denied the dispute with the explanation that the transaction was processed correctly, without explaining what evidence was reviewed. When I contacted PayPal to report the merchants updated claim, PayPal changed the dispute category to item not as described and denied the claim again, even though the issue concerns a refund not issued after confirmed return delivery. Additionally, XXXX of the XXXX in XXXX installment payments was made using a credit card. I disputed that individual charge with the credit card issuer, which ruled in my favor and issued a charge back. However, because PayPal Pay in XXXX pays the merchant upfront, the charge back was processed against PayPal rather than the merchant. PayPal subsequently re-collected the installment from me, meaning the credit card dispute did not resolve the underlying issue that the returned merchandise was never refunded. As a result, I paid for merchandise that was returned and confirmed delivered, without receiving a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
To Whom It Concerns, Im contacting you because an account with my information suddenly appeared in your system and is now being reported to the credit bureaus. Before I make any decisions or take any responsibility for something I dont fully understand, I need clarity and documentation. I am disputing this account and requesting validation under the Fair Debt Collection Practices Act. This is not a refusal to pay. I simply need proof that the information youre reporting is accurate, that I am the correct person, and that your company has the legal right to collect or furnish the account. Right now, what you have provided is not enough for me to confirm anything. To properly review and verify this matter, I am asking for the following : XXXX. A breakdown of what this alleged balance is based on, including dates and itemized charges. XXXX. Documents showing where this obligation originated and how your company obtained it. XXXX. Any agreement, application, signature, contract, or document that links me to the account. XXXX. Proof your company is authorized and licensed to collect in my state, including registration details. XXXX. Any notices or communications you claim you sent before reporting the account to the credit bureaus. XXXX. The identity and address of the original creditor, along with the original account details. XXXX. Evidence that the information you are furnishing follows accurate reporting standards and matches the data required by the FCRA and Metro 2. I am asking for these items because I want to review real documentation, not summaries, screenshots, or general statements. If this account is legitimate, you should have no issue providing the paperwork needed to validate it. Until this information is provided, I am requesting that all collection activity pause as allowed under federal law. If you can not validate the account with proper documentation, I expect the tradeline to be removed from all credit reporting agencies. Lastly, I prefer that all communication from your office be in writing. Please do not call my phone or contact my job. Written correspondence only. Once I receive the requested documentation, I will review it within a reasonable timeframe and respond accordingly. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next XX/XX/XXXX days : XXXX. The amount of the debt claimed. XXXX. The name of the original creditor. XXXX. A copy of the agreement, contract, or other instrument that created the debt. XXXX. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I C SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research I C SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number isXX/XX/XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S XXXX XXXXd - Disclosure of investigation consumer report ; you are in violation.

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 2026-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I was forced to take a loan when a bought a used vehicle from a dealer with Westlake Financial services who agreed to provide me with a loan. I refinanced through XXXX of my home mortgage in order to pay off the loan. Westlake did not accept a wire transfer on time thus forcing me to pay more money at a later date and reported negatively to the credit bureau. It is impossible for any customer to reach any one at this bank, purposely delaying payments to increase liability. Subsequently they sold my information to Worlwide tracking system who made cold calls to sell me tracking equipment for the same vehicle. Extremely customer unfriendly, unnecessary delays in applying funds and thus increasing liability to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: TN

Complaint narrative:
I am disputing a medical collection account in the amount of {$1900.00}. On or about XX/XX/XXXX this account first appeared on my credit report. Since that time, the account has been transferred to multiple collection agencies. On XX/XX/XXXX I formally disputed the account with the credit bureau. I also sent a written request for debt validation to the initial collection agency ( Recoverii ) via certified mail. I did not receive any response or validation. Despite my dispute and lack of validation, the account has continued to be resold and reported by additional collection agencies. On XXXX, I disputed the account again when it appeared under a new collection agency. I have still not received proper validation of the debt, including documentation showing the original creditor, itemized charges, or proof that any agency has the legal right to collect. The continued reporting of this unvalidated debt has negatively impacted my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group
State: NV

Complaint narrative:
I paid account as contracted and settled with CKS prime. It is showing up as closed and negative on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I am filing a complaint against MoneyLion regarding inaccurate and unverifiable credit reporting on my account. MoneyLion claims that my account is reporting correctly ; however, I have reason to believe the reporting is incomplete and lacks proper verification. The account reflects multiple late payments in XXXX, yet I have not been provided with sufficient documentation showing how these late payments were calculated, verified, or reported in compliance with the Fair Credit Reporting Act ( FCRA ). Additionally, the account is now paid in full and closed, yet the continued reporting of past delinquencies is causing ongoing harm to my credit profile. I requested a full investigation and supporting documentation, but instead received a generic response stating the account was verified without any evidence. Under the FCRA, I am requesting : - A detailed description of the method of verification used - Copies of any records or documents used to validate the late payments - The name and contact information of any party that provided verification If MoneyLion can not provide proper documentation supporting the accuracy and completeness of this reporting, I am requesting that the late payments be removed from my credit report immediately. I also request that this matter be escalated for a thorough and fair review, as prior responses appear automated and insufficient. This inaccurate reporting is negatively impacting my ability to obtain credit and must be corrected.

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 2026-03-26 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: OK

Complaint narrative:
I had a pay pal account that I used as a secured method to make payments from my credit card. About XXXX XXXX ago my card was hacked I contacted my bank and was advised they had an internal issue that allowed my card to cancelled and reissued to someone in Florida. I kept it closed and am still dealing with them but now pay pall has my account frozen because of the unknown charge that started this. Pay pall is demanding I provide credit card information or a statement and is holding my pay pall account hostage till I provide information on this card. They refuse to close my account till I verify this and refuse to allow me to use it. They have just stated it will remain in this state till I provide the requested information. I think this is unfair and most likely falls under the FDCRA umbrella. I need this resolved or the account closed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
XX/XX/year> I made a XXXX paypal account after asking for approval ( account email XXXX ). I made it exclusively for my resale business. In the meantime I had made several purchases and paypal transactions under {$50.00}. On XX/XX/year> Using account ( XXXX ) I made a sale on a resale item and tried to use PayPal as a payment option for {$110.00}. The money was received and immediately frozen. Due to one of my PayPal accounts potentially having chargebacks or " account liabilities ''. Which all of my paypal accounts were in the black and in good standing. I asked then if my account ( XXXX ) showed any limitations on it that would prevent me from making a sale. I was told no, that I should not have any issues using all of paypals features. XX/XX/year> I was informed that ( account XXXX ) had been permanently deactivated and had to refund the customer the money. Hence losing {$110.00} due to an error made by paypal. XX/XX/year> I had another customer interested in purchasing one of the same item for {$110.00}. I used ( account XXXX ) and sent the buyer a paypal.XXXX link to make the sale. The buyer was interrupted during the payment process with a warning screen. Stating that I was scamming him and that paypal would not allow the sale to process. Therefore losing another {$110.00}. I asked customer service yet again if I had any limitations. I was again told that there should be nothing preventing me from making a sale. XX/XX/year> I received a pending refund from a major retailer that said it wouldnt be available for 7 days. Everytime I had received a refund in the past it was immediately added to my balance. Which I contacted customer service and asked again if there was any limitations on my account. Finally I was told that there was a security notation on my account. The representative then removed it from my account. I received an email stating as much.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
FIled a previous complaint because Macy 's sales associate told me I would get 30 % off purchases that date if I opened a credit card. I said no several time, s but it was a hard sales job. When I bought the items, the discount did not show up on my receipt, but I was told the discount would be deducted on my credit card statement. When I received the statement, it was not credited. I called the store, and received a call back. They checking into my complaint and said they could not give me the credit I was due on my credit card, but would give me a gift card for additional merchandise if I came back to that exact store. I could not go back there, and just wanted to credit on my statement. I did not want XXXX of the items without the discount, and only bought those XXXX because of the discount, but had already worn one of them. Filed a complaint here, was told I was getting refunded a little less that the 10 % I was due, but they credited to their credit card which I had already closed due to the bad behavior and deceptive practices. I want this refund, but the credit card will not send to me since the card was closed. THE CARD WAS CLOSED BEFORE THEY CREDITED IT BACK, so I assume they were never intending to give me the missing 10 % due to me. Mail me a check for the 10 %.

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 2026-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: KS

Complaint narrative:
I tried to contact this company about this debt they hung up on me multiple times

Company response to consumer: Closed with explanation