vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX account was compromised via a vishing/spoofing scam. The fraudsters successfully linked a Cash App Visa debit card ( ending in XXXX ) to my bank account without my authorization. This resulted in an unauthorized withdrawal of {$2500.00}. I have provided Cash App with a XXXX Police Report ( Case # XXXX ), an FBI XXXX Report ( XXXX ), and a formal NCUA Case Number ( XXXX ). Despite this evidence, Cash App support ( agents " XXXX '' and " XXXX '' ) has repeatedly refused to investigate. They stated in writing that their focus is 'prevention and not recouping loss. ' This is a direct violation of Regulation E ( 12 CFR 1005.11 ) and the XXXX CFPB Consent Order against Block , Inc., which explicitly ordered the company to stop misleading consumers about their right to an investigation and refund for unauthorized transfers. Cash App is facilitating federal cybercrime by allowing card # XXXX to remain active and linked to stolen funds while refusing to fulfill its legal obligation to investigate and resolve this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Amex XX/XX/XXXX amount XXXX. XXXX XXXX XX/XX/XXXX amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: AZ

Complaint narrative:
On XX/XX/XXXX, I attempted to send {$280.00} to my brother, XXXX XXXX, whom I have successfully sent money to in the past. My brother and my deceased father share the exact same first and last name. Despite my prior transaction history with my brother, Chimes system displayed my deceased fathers account first when I typed the name XXXX XXXX. I selected the first result shown, believing it was my brother, and the funds were mistakenly sent to my fathers account. My father has been deceased for over a year, and I have never sent money to his account before. This was a systemgenerated error caused by identical names and improper prioritization of past contacts.Chime processed my claim under the wrong dispute category, treating it as a normal Pay Friends transfer instead of a mistaken transfer to a deceased member. They also investigated the wrong amount, listing {$560.00} instead of the actual {$280.00}, which shows they reviewed the wrong transaction. Chime denied the claim without addressing the deceased status of the recipient, the identicalname system error, or their own system displaying the wrong XXXX XXXX despite my prior history with my brother. I was repeatedly redirected back to the Disputes Department, even after explaining that this issue must be handled by the Deceased Account Team. The Executive Resolution Team did not respond to my escalation email.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, we bought a new car from XXXX XXXX but then after a week, we cancelled several options and service contracts from the dealership since we no longer considered them as necessities. XXXX XXXX also confirmed with me and my mom that they would reach out for contact and reduced the loan down by {$5500.00}, meaning the loan originally was {$26000.00} now is supposed to be {$21000.00}. The new loan was approved and signed by the XXXX and the one who financed the original amount to us. However, they never reached out to my mom at all and kept the original loan with high interest rate. When we tried to contact the dealership, they said that that they already updated and we owed $ XXXX in general but the original loan was still shown as {$26000.00} in Capital One not {$21000.00}. It has been several months but they still havent corrected this mistake at all despite we tried to reach out and wait for the dealership to contact my mom-the main borrower and owner of the car

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: SC

Complaint narrative:
A third-party debt collector is attempting to collect an alleged debt related toXX/XX/XXXXthat I do not owe. I have official documentation from XXXX confirming that my account has a XXXX balance and no outstanding obligations. Despite this, the collector continues to pursue collection and has reported this inaccurate debt to credit reporting agencies, which is negatively affecting my credit profile. I did not enter into any agreement for this alleged debt, and no valid proof of debt has been provided to me. This appears to be a clear case of incorrect debt assignment, error, or misidentification. The collection activity is ongoing despite the existence of evidence showing that no balance is owed. This raises serious concerns regarding compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation into this matter, immediate cessation of collection activity, and removal of any inaccurate information from all credit reporting agencies. I have supporting documentation confirming a XXXX balance with XX/XX/XXXX and will provide it as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 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: MA

Complaint narrative:
My PayPal account was hacked, leading to an unauthorized {$3100.00} purchase ( via an exploited billing agreement ), delivery to the wrong state ( Georgia vs. my Massachusetts address ), repeated denials by PayPal despite evidence ( XXXX 's confirmation that unauthorized purchases were canceled ), and a resulting negative balance on my PayPal account ( no actual bank debit due to insufficient funds ) .This directly involves unauthorized use of my digital wallet account for a transaction I didn't approve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Shepherd Outsourcing, LLC

Complaint narrative:
I am filing a formal complaint regarding improper and unlawful debt collection practices by Shepherd Outsourcing USA ( or associated entity listed in the communication ). Or XXXX XXXX XXXX XXXX shown as current creditor On XX/XX/year>, an email was sent concerning an alleged debt belonging to XXXX XXXX. However, this email was sent to XXXX XXXX, who is not the debtor, has no legal responsibility for the account, and has not provided any authorization to receive information about this debt. This communication constitutes an unauthorized third-party disclosure of debt information and appears to be a violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( b ), which prohibits a debt collector from communicating with any person other than the consumer regarding a debt without prior consent. The email included specific details about the alleged debt, including the balance and payment options, which should never have been disclosed to an unrelated third party. As a result of this violation, I am requesting the following : 1. Immediate cessation of any communication with XXXX XXXX regarding this matter 2. Written confirmation that her contact information has been removed from all records associated with this account 3. A full investigation into how this unauthorized disclosure occurred 4. Assurance that all future communications will be directed only to the appropriate individual in compliance with federal law This incident raises serious concerns about the companys compliance with federal consumer protection laws. Any further unauthorized disclosures or contact with the wrong party will be considered continued violations and may result in additional complaints and legal action. I have retained documentation of the communication as evidence of this violation. I request that this matter be reviewed promptly and that appropriate corrective action be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: GA

Complaint narrative:
In XX/XX/XXXX I received XXXX offer to settle. I took the offer and paid {$5000.00} over the phone to XXXX who bought the account from XXXX. Now Mohela has the account. XX/XX/XXXX they put the plan back on XXXX credit report as needing to be paid. I have been fighting them since.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-22 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: NC

Complaint narrative:
I am filing a complaint against PayPal regarding the unjustified holding of my funds totaling {$27000.00}. In XX/XX/year>, my PayPal account was permanently limited. Initially, I was told the reason was due to associated risk without any clear explanation. Later, PayPal stated that there was information used to create the account that they could not verify, but they have not provided any specific details about what information could not be verified. I have already submitted all requested verification documents, including identity and business-related information. Despite this, PayPal has not given me a clear explanation or an opportunity to correct the issue. PayPal has confirmed that there are no active disputes or claims associated with my account. However, they are holding my funds for 120 days, with a projected release date of XX/XX/year>. I have contacted PayPal multiple times through messaging and phone support requesting clarification and a review of the hold, but I have only received generic responses stating that the decision is final. Holding {$27000.00} under these circumstances, without transparency or a clear justification, is unreasonable and is causing financial hardship. I am requesting : - A full and specific explanation of what information could not be verified - An opportunity to provide any additional documentation needed - Immediate or expedited release of my funds I respectfully request assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank has a balance on my account that I do not owe due to the following series of events. I have had numerous problems with this card even questioning if this card was issued by Citibank because of the bizarre conversations, fraud charges, inconsistent mailings and interest rate hikes. The final attempt to handle with XXXX came when I had a {$40.00} plus dollar purchase with " XXXX '' and this vendor had no record of receiving the funds. Citibank stated it was received by the vendor. When I insisted on connecting the XXXX parties for a conversation Citibank then stated they were mistaken and would offer the refund. This made me apprehensive as to where my money was going so I did not mail a payment. I called many times spending XX/XX/XXXXplus on this problem alone. That XXXX incident and not paying has now caused me to have interest on the late fees, interest on the interest charged. Had the mistake been resolved correctly these charges would not have compounded. Furthermore I explained to Citibank ( or someone posing as Citibank ) these problems and they were less then helpful. I have now received a collection notice from a third party. Understand a XXXX plus charge is now up to over XXXX dollars. These practices are not in good faith of the consumer, has negatively affected my credit, wasted hours of work time for my self, caused undo stress and I am at this point assuming it is a scam. Please remove the charges and bring this closed account to XX/XX/XXXX. This account is closed and has no benefit to the victimized consumer.

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 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, self financial reported {$69.00} on my credit report which I didnt know when payment was due. Self had a one time payment given and reported this and want this disputed for better credit report and better opportunities in the near future. I would want this deleted so I can have postive credit history on my report of on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, I disputed and requested validation of an alleged debt associated with Jefferson Capital Systems , LLC, referencing account numberXX/XX/XXXXXXXX. I sent my dispute/validation request in writing using XXXX Certified Mail with Return Receipt. The letter was returned by XXXX marked Return to Sender. I have retained the returned envelope as proof. Because the company did not receive my dispute/validation request, I am concerned that Jefferson Capital Systems , LLC may continue collection activity and/or credit reporting without properly acknowledging my dispute or providing verification. I am requesting CFPB assistance to ensure Jefferson Capital Systems , LLC provides a reliable address and processes consumer dispute/validation mail appropriately, and to ensure the company does not continue collection activity or credit reporting updates without validating the alleged debt. Account reference : Jefferson Capital Systems , LLCXX/XX/XXXXXXXX Mailing details : Certified Mail Date mailed : [ XX/XX/XXXX ] XXXX Certified Mail XXXXXX/XX/XXXXXX/XX/XXXX: [ XXXX ] Address used : [ XXXX XXXX XXXXXX/XX/XXXX MN XXXX ] XXXX return marking : Return to Sender I am attaching copies of my dispute/validation letter and the returned envelope/XX/XX/XXXX markings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Army and Air Force Exchange Service
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

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 2026-03-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On the XXXX of XXXX I started a balance transfer with USAA for {$21000.00}. I had to call in instead of using the online method because the it said I was unable to complete the request. When I called in the lady that helped me had me transferred to a automatic system to input the card information. When returned to her she asked me to confirm it was going to a XXXXXX/XX/XXXXXXXX card and I told her no it was supposed to be going to a XXXX XXXX card. She had then proceeded to say " oh there it is '' and continued on without confirming the card number. I had received a confirmation email saying the transfer had gone through still saying it was going to a XXXXXX/XX/XXXXXXXX card with nothing showing on my XXXX XXXX account. I had called into USAA to ask what was going on I was told to call XXXX XXXX and to wait a few days because it might have just been an error on the name. After calling XXXX XXXX and giving it a few more days there was still no confirmation that any money was going toward the right account. I had started a dispute on the XX/XX/XXXX. On XX/XX/XXXX I received a letter requesting more information which I had turned in bank statements showing no money had been moved to my account and to confirm the account number of which it was supposed to go to. USAA had at that point realized at that point that they had sent the money to the wrong account temporarily crediting my account the fees and money. Since then they have been in limbo of what they were going to do about the situation I have called in on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no change in status about the issue and their notes are saying " no update at this time ''. They are supposedly trying to figure out if they are re-cutting the check to send it to the correct company with no way to check on the status and nobody for me to talk to. They say their deadline has been moved from XX/XX/XXXX to XX/XX/XXXX with no explanation as to what they are waiting on. Several people with the company have told me different things some saying they are waiting on a check, some saying the check is going just needing to be cut and sent, that they dispute is complete and that no further action is going to happen. I am being told that they have no power into stopping the balance transfer even though there is no check cut or actively being sent anywhere.

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 2026-03-22 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, my XXXX XXXX XXXX XXXX was rear-ended in a car wash. The at-fault driver was insured by XXXX XXXX XXXX ( XXXX ). I had my vehicle repaired at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After several exchanges, XXXX XXXX approved a final supplemental estimate on XX/XX/XXXX ( Claim # XXXX ) totaling {$1400.00}, covering rear bumper components, alloy wheel repairs, and diagnostics. Tires were never part of any estimate, discussion, or approved supplemental. XXXX added brand new tires without my prior knowledge or consent outside of the agreed scope of repairs. When I picked up my vehicle, a XXXX mechanic acknowledged the tires were not authorized, and I left without paying for them. The matter appeared resolved. In XX/XX/XXXX nearly XXXX years later I discovered an unauthorized charge of approximately {$870.00} from XXXX on my XXXX credit card. I received no prior invoice, no phone call, no email, and no letter before the charge was made. When I called XXXX, their agent could not identify the source of the charge and advised me to dispute it as fraud. I did so with Chase on XX/XX/XXXX. On XX/XX/XXXX, Chase rejected the dispute, stating I " received and benefited from the service. '' I escalated, but Chase declared the charge ineligible for further dispute because it had already gone through fraud review despite the billing dispute being a separate legal matter under the FCBA. Since then, I have called XXXX more than XXXX times with no resolution. Calls are not returned. A request for an invoice resulted in an empty email with no attachments. XXXX directed me to a dispute resolution platform, which has not acknowledged my claim in several weeks. I am requesting that Chase reprocess this as a billing dispute under the Fair Credit Billing Act, independent of the prior fraud review, and that XXXX be required to provide documentation justifying the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MT

Complaint narrative:
On XX/XX/XXXX I made a purchase from chewy, a few seconds later the pending transaction appeared on my checking account from chime. Following this XXXX days later a duplicate pending transaction had been charged. The original charge on XX/XX/XXXX settled and theXX/XX/XXXX duplicate charge has remained pending for months. I have spoken with the merchant and my bank multiple times to have this resolved and still do not have access to my money. They have held the funds from me for XXXX months and XXXX days. As well as wasting XXXX XX/XX/XXXX of my life talking with customer service. They do not seem to have a prices to resolve these kinds of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-22 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX. Debt Validation Letter ( Portfolio Recovery ) Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX Date : [ ] To : Portfolio Recovery Associates Subject : Debt Validation Request Under FDCPA To Whom It May Concern, I am writing in response to an account you are reporting on my consumer credit report. This letter is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Request for Validation Please provide the following : Proof that you are the legal owner of this alleged debt A complete chain of title/assignment from the original creditor The original signed contract or agreement bearing my signature A complete payment history/ledger The exact amount owed and how it was calculated Notice Until proper validation is provided : You must cease all collection activity You must not continue reporting this account to any credit bureau If you are unable to validate this debt, you are required to : Delete this account from all credit reporting agencies immediately Communication Notice I request that all communication be conducted in writing only to the address listed above. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief