vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-28 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: CT

Complaint narrative:
I am writing to file a complaint regarding an unauthorized and fraudulent charge of {$99.00} on my PayPal account that I did not authorize. The merchant listed for this charge was XXXX XXXX XXXX, and the transaction appeared on XX/XX/year>. I did not sign up for any service with that name, and this service is not listed in my PayPal subscriptions or automatic payments ( I only have XXXX, XXXX, and XXXX listed ). 

I noticed the charge pending in my bank account and reported it immediately to PayPal on XX/XX/year>. The PayPal representative told me I would receive a refund within XXXX business days and asked me not to reverse the charge with my bank, which I followed. Despite this, the charge posted to my account after banking cutoff and was denied by the bank for reversal. 

After PayPal denied my claim and refused my request to reconsider, I contacted my bank, and they stated they could not take action because the charge had already posted. To date, I have not received a refund, and PayPal has declined to resolve this dispute despite the charge clearly being unauthorized. I have preserved all correspondence and documentation related to this case. 

This charge constitutes fraud and deceptive billing, and I am requesting assistance to recover my {$99.00} directly from PayPal and to have this matter investigated as a potentially unlawful billing practice. 

Thank you for your time and assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-28 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: DISCOVER BANK
State: SC

Complaint narrative:
I previously filed a CFPB complaint regarding an unauthorized {$150.00} charge ( CFPB Case # XXXX ). 

Since that complaint, a police investigation has determined that the charge originated from XXXX due to a merchant system error. This confirms the charge was a billing error and not authorized by me. 

Despite police-confirmed merchant error and written notice, Discover has refused to correct the billing error or conduct a full investigation. 

This complaint is regarding Discovers continued failure to comply with Fair Credit Billing Act ( FCBA ) error-resolution requirements after receiving new material evidence.

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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I was living at XXXX XXXX XXXX located in XXXX about XXXX years ago. There A/C unit went out and I left my A/C unit on which caused my bill to go up. And the apartment manager promised me that they would take the bill off my account because it was their fault my unit was not working at all. I am unable to apply for any apartments because of their error. Im currently homeless and unable to move into any apartments. And the apartment has new management and they wont help me because this happened XXXX  years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I applied for a Capital One credit card and was denied. The stated reason for denial was insufficient or incorrect income. 

After the denial, I contacted Capital One and was informed that the income recorded on my application was not correct. I advised them that this was an error and that the documentation I submitted accurately reflected my actual income. 

Capital One instructed me to submit supporting documentation and a written explanation by mail. I did so promptly and provided income documentation supporting the amount reported. 

I later contacted Capital One to follow up and was informed that the application would not be re-evaluated. Capital One refused to correct the income information or conduct a manual review, even though the denial was based on incorrect information and documentation had been provided as requested. 

I am not requesting that the account be approved. I am requesting that Capital One correct the income information used in my application and conduct a fair re-evaluation based on accurate data. If the application remains denied, I request written confirmation that the decision was made using correct and complete information.

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

Complaint narrative:
XX/XX/year> i was mailed a check from my new employer for {$2.00}, XXXX via XXXX. XXXX manager signed for check because I was not home. I received check a day later. I was told by my former employer to deposit check into account. I deposited into my new checking account XX/XX/year>. After depositing i gave my boss confirmation funds we're available. Funds were to be used to pay medical bills. I was told to use directions and qr code sent to me ia email to pay medical bills via cash app XXXX. After all bills we're paid through the app the check was withdrawn from my bank account and put my bank account- {$2800.00}. The amount I used on cash app XXXX. The amount the check was written for. I did not give out my bank account information or social security number but I was told to use my account for work expenses and I would later be compensated. I contacted my bank immediately. They did say that the check was withdrawn it was a bad check. I contact former employer XXXX XXXX. I have not received a response. Same day I contacted bank filed report for fraud. I contacted XXXX police department and made a police report. I also filed a dispute on cash app. The card was removed from cash app account but my dispute was denied XXXX XXXX. I am filing an appeal. I dont believe it was a fair judgment. I did not give them all the information. I only communicated through email with my employer through email it was a new job.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
The IRS Wheres My Refund tool confirms that my federal tax refund of {$4000.00} was sent to my bank for direct deposit on XX/XX/year> ( reference number XXXX ). However, Bank of America has not credited the funds to my account and the deposit does not appear in my transaction history. 

I contacted Bank of America to report the missing refund and requested that the bank conduct an ACH trace/research for an incoming deposit from the U.S. Treasury/IRS for {$4000.00} dated XX/XX/year>, and to confirm whether the deposit was received and posted, rejected/returned, or placed on hold. To date, the bank has not provided a written explanation or documentation confirming the status of the deposit. 

I am seeking assistance to obtain a clear determination of what happened to the direct deposit and to have the full refund amount made available without further delay.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I got an email from Bank of America that they had received my Request for Balance Transfer ( of {$2600.00} ) from my XXXX to a chase card account. I called and told them I HAD NOT requested a balance transfer. They told me they would open a fraud investigation. 
On XX/XX/year>, I got an email from Bank of America that they had Processed the Balance Transfer to the XXXX card account! I called and told them again that I HAD NOT requested a balance transfer. They told me they would continue the fraud investigation. They send me a new XXXX ( and closed the old XXXX ). 
On XX/XX/year>, I received a letter from Bank of America syaing the investigation was closed ; they were unable to approve my claim! I called them again and told them I DID NOT REQUEST A BALANCE TRANSFER! They said it appeared to them that the online request for the transfer was made from my IP address and went to my XXXX account. But perhaps someone had gotten access to my IP address. BofA told me to call my wireless and internet provider XXXX XXXX XXXX XXXX ) and request a Data Breach Investigation, and then to send them that documentation so that they could persue their fraud investigation. I called XXXX XXXX XXXX and they can not open a Data Breach Investigation without a Police Report. So I made a police report today ( XX/XX/XXXX ). I also called XXXX to see if a Balance Transfer had been made to any of my XXXX accounts ( there were none ), and see if a XXXX account was opened in my name ( one was not ). I feel like Bank of America has completely dropped the ball. They should know to whom the Balance Transfer was sent. And why don't they have more security installed so that any thief can go online with my credit card number and steal my funds!?!? I'm outraged at Bank of America and their lack of protecting their customers, and lack of responsibility to investigate this fraud.

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 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I am the consumer regarding a Chase credit card account that is currently the subject of a lawsuit in XXXX  ( XXXX XXXX XXXX XXXX, Case No. XXXX ). 
I was served with the lawsuit around XX/XX/XXXX. At the time of service, I was working with a third-party debt consolidation company and reasonably believed the matter was being addressed. 
I later received notice that Chase, through its law firm, filed a Motion for Default Judgment with a hearing scheduled for XX/XX/XXXX. Upon learning this, I acted promptly by filing a motion with the court to respond and by contacting Chases law firm to attempt resolution prior to judgment. 
Although I have taken timely steps to respond in court and have made good-faith efforts to discuss settlement, Chases law firm has stated that it will only accept payment of the full balance or payment arrangements that would result in judgment, and will not engage in settlement discussions to resolve the matter without judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
COLLECTION OF FRAUDULENT DEBT - CREDITOR HAS ACTUAL KNOWLEDGE DEBT WAS PAID IN FULL BACKGROUND : I paid XXXX XXXX Bank account # XXXX in full on XX/XX/XXXX, XXXX XXXX XXXX 's XX/XX/XXXX statement shows : Payment received : {$2200.00} ( XX/XX/XXXX ) New Balance : {$0.00} Minimum Payment Due : {$0.00} Account status : CLOSED XXXX  XXXX then fraudulently reversed my payment in XX/XX/XXXX with an unauthorized " ADJUSTMENT-PAYMENTS '' entry, charged off the account XX/XX/XXXX, and sold the fraudulent debt to LVNV Funding LLC XXXX 
LVNV 'S ACTUAL KNOWLEDGE : I filed CFPB Case XXXX on XX/XX/XXXX disputing this fraudulent debt. On XX/XX/XXXX, Resurgent Capital Services ( LVNV 's servicer ) responded to that complaint. Their response included XXXX XXXX Bank statements that PROVE the debt was paid to {$0.00} in XX/XX/XXXX. 
LVNV now has actual knowledge this debt was paid in full. Their own validation response proves it. 
CURRENT VIOLATION : Despite having documented proof the debt was paid, LVNV hired a third-party debt collector to pursue collection. On XX/XX/XXXX ( XXXX WEEK after their CFPB response ), I received a collection letter from : XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Unifin Reference Number : XXXX The letter demands payment of {$2600.00} on the same XXXX  XXXX account that LVNV 's own documents prove was paid in full XX/XX/XXXX. 
TIMELINE OF KNOWING VIOLATIONS : XX/XX/XXXX : I paid XXXX XXXX XXXX  {$2200.00} ( account balance : {$0.00} ) XX/XX/XXXX : I filed CFPB complaint against LVNV ( Case XXXX ) XX/XX/XXXX : LVNV responded with XXXX  XXXX statements showing {$0.00} balance after my payment XX/XX/XXXX : LVNV hired XXXX to collect the same debt ( XXXX WEEK later ) XX/XX/XXXX : Today - filing this complaint VIOLATIONS : By LVNV Funding LLC : 15 USC 1692e - False representation with actual knowledge ( possesses documents proving debt was paid ) 15 USC 1692f - Unfair practice ( hiring collector to pursue debt they know is fraudulent ) FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishing information known to be inaccurate Bad faith collection - Hiring collector with actual knowledge debt is fraudulent By XXXX, XXXX : 15 USC 1692e ( 2 ) ( A ) - False representation of character/amount/legal status of debt 15 USC 1692e ( 5 ) - Threatening action that can not legally be taken 15 USC 1692e ( 8 ) - Communicating false credit information 15 USC 1692f - Collecting debt that was paid in full EVIDENCE : XXXX XXXX XXXX XXXXXX/XX/XXXX statement showing {$0.00} balance after my payment ( provided by LVNV in Case XXXX ) LVNV 's XX/XX/XXXX CFPB response ( Case XXXX ) proving they have actual knowledge Unifin collection letter dated XX/XX/XXXX demanding payment on fraudulent debt XXXX XXXX XXXX statements ( XX/XX/XXXX - XX/XX/XXXX ) showing account history and fraudulent payment reversal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am being charged a XXXX $ paper fee for an account that was closed in XXXX. I paid XXXX $ for the accumulated late fees plus the XXXX dollar fee. SYNCHRONY Bank said they put me on a statement fee accommodation so that i will not be charged anymore XXXX $ paper fees.

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 2026-01-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: AZ

Complaint narrative:
On XX/XX/XXXX I purchased XXXX {$750.00} money orders from Western union. That same day I deposited them into my checking account at XXXX. On XX/XX/XXXX Western union processed these as " paid '' in their system, however, on XX/XX/XXXX my bank received a chargeback from Western union ( with a chargeback reason of " altered/fictitious/counterfeit '' ), and deducted the {$1500.00} from my account. I have been fighting with Western Union ever since, as they deny all knowledge of said chargeback. I have sent them a letter from my bank which outlined exactly what has happened with the chargeback and a copy of my bank statement showing the checks being deposited on XX/XX/XXXX and then being deducted due to the chargeback on XX/XX/XXXX. My bank also got the legal tender copy of the deposited money orders and tried to deposit them a XXXX time into my account for me but received a chargeback for them with the reason of " refer to maker ''. There is no more my bank can do now to collect the funds for these money orders, and have refered me back to Western union for a refund. Western union still insists that they have paid the money orders and that my bank must have the money. Again, they have denied all knowledge that a chargeback even occured, despite everything I have sent to them which proves it. XXXX of my banks managers even conference-called me and Western Union to try to resolve but Western Union insists they have been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast Credit Union did nothing to protect us against the theft that occurred out of our business account. We hadn't actually started using the account yet when the theft occurred, and didn't notice it within their window of 60 days for a portion of it. They made no recourse, offered no suggestions on what to do, didn't seem concerned about us in the slightest, even though we are a brand new business, and {$1600.00} is a lot of money to us right now. They completely dismissed us, leaving us to research how to find out about our money that was stolen and the recourse on our own. 

The original fraudulent claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: CA

Complaint narrative:
Have called Us bank XXXX credit card several times for login access issues. Been transfered serveral times, account keeps getting locked, they said personal and business has limitation in software and can't be under one login. I lost access and no alerts, phone reps kept transferring me every time, all this can be verified by recordings. Today on XXXX the correct rep connected in collections, saw the issue, credited me for two late fees also, but said he can't fix the 40 day reporting. I need this fixed, this is predatory lending always locking out and adding fees and can't connect with a rep. please remove the negative from my credit report. Been a long time us bank member with several cards, had similiar issues with payment help also.

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 non-monetary relief
Consumer complaint received 2026-01-28 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: CL Holdings LLC
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PLANET HOME LENDING, LLC
State: LA

Complaint narrative:
Planet Home Lending , LLC responded to my prior CFPB complaint with accusatory and inflammatory language rather than conducting a substantive investigation. 

Planet alleged fraud and participation in a debt elimination scheme without providing evidence, documentation, or addressing discrepancies reflected on my IRS transcripts associated with my loan. Planet failed to identify the reporting entity responsible for IRS Cancellation of Debt entries appearing under its name and did not explain duplicate or corrected entries. 

Instead of addressing the substance of my inquiry, Planet relied on speculation, mischaracterizations, and threats, which is inconsistent with fair servicing standards and CFPB expectations.

Company response to consumer: Closed with explanation