vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Acct : XXXX Portfolio Recovery Associates LLC I dispute this account in its entirety. You have continued to report and update this account without providing proper validation or documentation to support its accuracy. This account is being reported as closed on XXXX while still reflecting an active balance and collection status, which is inconsistent and misleading. The information being furnished is contradictory and unverifiable. Under the Fair Credit Reporting Act, you are required to provide full documentation supporting your claim, including proof of ownership, chain of title, and a complete accounting of the alleged debt. If you can not provide this documentation, you must immediately cease reporting and request deletion from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
I operate a body shop and customers pay me thru PayPal, cashapp, chime and Venmo. This customer had a large punt to send and Venmo froze the acct. I contacted them, provided the info that they requested as far as my Verification docs, and they claimed to have unlocked the acct so I could transfer the money. They lied ; the acct was never unlocked and upon me trying to move the funds, it locked the acct again. I called in several times, 9 to be exact, and still no resolution. Every attempt I make to transfer the funds, Im not allowed. I will be seeking legal advice. Now the acct in is suspended status and they are refusing to do business with me and wont allow me to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SANTANDER HOLDINGS USA, INC.
State: OK

Complaint narrative:
To Whom It May Concern, I am writing in regard to my account listed under XXXX. I would first like to acknowledge my responsibility for this account and express that I am committed to resolving and continuing to pay this balance. Unfortunately, I experienced a significant hardship when the vehicle tied to this loan was involved in an accident and became inoperable. Despite this, I have continued making efforts to pay on this account even though I no longer have use of the vehicle. This situation created financial strain that impacted my ability to remain fully current at times. I take full accountability for the late payments reflected on my account. However, I respectfully ask for your consideration in granting a goodwill adjustment. My intent has always been to honor my obligations, and I am actively working to improve my financial standing. Given the circumstances, I am requesting the following as a gesture of goodwill : * Removal of late payment history associated with this account * Removal of the charge-off/collection status * Adjustment of the account to reflect a more positive payment standing I am not disputing the validity of the account, but rather asking for understanding and consideration based on the hardship I experienced and my continued efforts to pay despite losing the vehicle. This account is currently having a significant impact on my credit, and a goodwill adjustment would greatly help me continue moving forward financially. I value the opportunity to make things right and would sincerely appreciate your assistance. Thank you for your time and consideration. I look forward to your response. Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CHECKredi of Kentucky, LLC
State: WI

Complaint narrative:
Complaint against XXXX XXXX and XXXX XXXX ( now XXXX XXXX ) I enrolled in the XXXX XXXX XXXX XXXX XXXX card to get fuel discounts. Instead, the card has caused me extra costs and unfair treatment. XXXX XXXX system attempts to charge every fuel purchase immediately via ACH to my checking account. When the ACH does not clear the same day ( even though I transfer money regularly and have sufficient funds ), they apply a {$35.00} returned payment fee and threaten me with collections. This is not a check it is an ACH transaction. The fee is optional according to their own terms ( may be applied ), yet they are applying it aggressively. I am not refusing payment and I am not late. I requested removal of the {$35.00} fees and any collections notice. XXXX XXXX refused and blamed state mandated rules without providing any documentation. XXXX XXXX ( now XXXX XXXX ) also refused to help dispute the charges. I am requesting : Full refund of all {$35.00} return fees charged Removal of any collections activity or negative marks Proper monthly billing for the XXXX XXXX card going forward This practice is unfair and harms consumers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
This is a follow-up complaint regarding Ally Financials failure to properly investigate my prior disputes. I previously submitted evidence and requested information about the custody, movement, and disposition of the vehicle. Ally responded that they had nothing further to add, without addressing the key issues. The vehicle was moved out of state without my authorization and appears to have been sold, yet Ally has not disclosed the buyer, sale date, amount, or legal basis for the disposition. No proof of required notice was provided. At the same time, the vehicle was subject to a serious safety recall involving loss of power and rollover risk. Despite these unresolved issues, Ally continues reporting the account as active, delinquent, and with a significant balance. This reporting is inaccurate and misleading because the account and collateral are disputed. I am requesting a complete documented explanation of the vehicles disposition, and immediate correction or deletion of inaccurate credit reporting.

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 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im filing this complaint because there are collection accounts showing up on my credit report that are not mine. I keep a close eye on my credit, and these accounts suddenly appeared without my knowledge or permission. I never approved or had anything to do with them, and its frustrating and unacceptable to see wrong information reported under my name. This needs to be investigated and fixed right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: DE

Complaint narrative:
I am submitting this complaint regarding the handling of a fraud claim and subsequent account actions by TD Bank involving my checking and savings accounts Approximately 8 weeks ago, I reported fraudulent activity on my TD accounts. Since that time, I have spent extensive time working with TD Bank representatives both by phone and in-branch to review transactions and distinguish legitimate charges from fraudulent ones. Countless hours has been spent on confirming transactions and simply being on long wait times on hold. During this process, I carefully reviewed all pending transactions multiple times with TD representatives and relied on their calculations and guidance regarding how the account balance would resolve. Based on those discussions, it has since become clear that TD Bank miscalculated pending transactions, which caused the account to remain in a negative balance. While the fraud investigation remains unresolved, TD Bank applied a right of setoff and transferred {$470.00} from my active checking account to cover the negative balance on the compromised account. This action caused my active account to become negative and placed additional financial strain on my life, including the risk of overdraft fees and returned payments. This balance is directly tied to an active fraud investigation and should be treated as disputed. However, TD Bank has treated it as a valid debt and moved it into collections/recovery without providing a final determination on the fraud claim. When I contacted TD Bank, I was told that they can not refund the amount or do not have a code to reverse the transaction. This appears to be an internal limitation rather than a legitimate inability to correct the error. I made multiple good-faith efforts to verify all transactions and relied on TD Banks calculations. The negative balance and resulting setoff appear to be the direct result of internal miscalculation and mishandling during an active fraud investigation. Requested Resolution : Immediate reversal of the {$470.00} setoff applied to my active checking account. Reversal of any fees incurred as a result of this issue Completion of the fraud investigation with a clear determination and explanation And closure of compromised accounts. I have spent a significant amount of time over the past eight weeks attempting to resolve this issue, far exceeding the amount in question. I am requesting that TD Bank correct this error and properly handle the fraud claim in accordance with standard consumer protection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
I am filing a complaint against several debt collection agencies for what appears to be ongoing violations of federal consumer protection laws. After formally disputing the alleged debts and requesting proper validation, the companies did not provide sufficient proof that I am legally responsible for these accounts. They failed to produce key documents such as original agreements, ownership records, account histories, or evidence of their authority to collect. Despite this, collection efforts and credit reporting activity may have continued without proper verification. This raises concerns about potential violations of the Fair Debt Collection Practices Act, including failure to validate debts and use of misleading or unfair practices, as well as the Fair Credit Reporting Act, particularly regarding the accuracy and investigation of reported information. Overall, the behavior described suggests these companies may be attempting to collect unverified debts and reporting potentially inaccurate information, which could indicate broader noncompliance with federal regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, Transunion and XXXX violated my rights as a consumer under XXXX XXXX XXXX and I needs these accounts blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra XXXX XXXX. Remove XXXX XXXX account XXXX date ; XXXX XXXX XXXX, inquires ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX # XXXX XXXX XXXX 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 2026-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: PA

Complaint narrative:
In XXXX, Chime closed my account immediately after a direct deposit was credited. Despite the account closure occurring over a year ago, Chime has failed to remit the remaining balance to me via check or any other method. Furthermore, Chime has repeatedly refused to provide specific information regarding the status of my funds or the reasoning for the extended retention of my property. I have made multiple attempts to resolve this directly, yet my money remains inaccessible. First attempt of contact XX/XX/XXXX Remaining contact attempts XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: CA

Complaint narrative:
On XX/XX/year>, {$2500.00} was debited from my PayPal account ( Transaction ID XXXX ) for the purchase of USPS money orders at USPS XXXX XXXX, Unit # XXXX, in XXXX, CA. At the counter, the USPS clerk canceled the transaction before any money orders were issued because the payment amount did not match what I intended to purchase. No money orders were ever produced or delivered to me. Despite the cancellation at the counter, the {$2500.00} was never refunded to my PayPal account. I returned to USPS and obtained a handwritten statement from the clerk, signed and stamped with XXXX official USPS date stamps dated XX/XX/year>, confirming she canceled the transaction and no money orders were issued. I also obtained the USPS XXXX XXXX XXXX Report for XX/XX/year> from XXXX # XXXX, which shows the complete daily transaction totals : XXXX debit card transactions totaling {$1000.00} and XXXX credit card transactions totaling {$540.00}, with XXXX reversals on either. My {$2500.00} charge does not appear in USPS 's daily reconciliation, confirming USPS did not retain this payment as a completed sale. I filed a dispute with PayPal ( Case ID XXXX ) and submitted both documents. PayPal denied my dispute, stating I needed to provide " credit documentation '' showing the last XXXX of my debit card, the refund amount, and the date the refund was initiated. This is the wrong evidence standard for my dispute. My claim is that the merchant did not deliver the goods I paid for, not that a promised refund was never received. I provided documentation meeting the correct evidence standard for a non-delivery dispute a signed, stamped statement from the merchant confirming no goods were issued, plus the merchant 's own accounting records confirming the transaction was not completed on their end. I appealed. PayPal denied the appeal, stating " our records show that this transaction was processed correctly. '' This statement is demonstrably false and directly contradicted by the USPS XXXX XXXX XXXX Report for that date and unit, which I had already submitted. PayPal either did not verify with the merchant or accepted a boilerplate merchant response without examining the evidence I submitted. I previously filed CFPB complaint XXXX on XX/XX/year>, which was closed because it was incorrectly categorized as a federal agency issue rather than a complaint against PayPal as a digital wallet provider. I am refiling now with the correct categorization. I am requesting that PayPal refund the {$2500.00} that was debited from my account on XX/XX/year>, for goods that were never delivered, and that PayPal 's dispute process be reviewed for applying incorrect evidence standards and making factually inaccurate findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I am submitting this complaint regarding my XXXX credit card account issued by Synchrony Bank. The primary concern is the way interest is being applied and how payments are allocated, resulting in a repayment structure that appears excessively prolonged and financially disproportionate. For a balance of approximately {$6800.00}, I have evidence from a comparable financial product showing that this amount can be fully amortized with monthly payments of approximately {$250.00} and paid off within about 3 years. I am including supporting documentation from that account for reference. In contrast, based on the projections reflected in my XXXXSynchrony account statements, making similar monthly payments of approximately {$250.00} would result in a repayment period of nearly 20 years. This significant discrepancy raises serious concerns about the fairness and transparency of how interest is calculated and applied to this account. The structure appears to heavily prioritize interest over principal, making it extremely difficult to reduce the balance in a reasonable timeframe. Additionally, there was a recent incident where the account was reported as delinquent, causing a significant drop of approximately XXXX points in the XXXX XXXX. The status was then temporarily adjusted and later reflected again. This inconsistency raises serious concerns about the accuracy and reliability of the reporting and its impact on the consumers credit profile. I have attempted to obtain a clear explanation from the company regarding how interest is applied and how payments are allocated, but I have not received a satisfactory or transparent response. I am seeking a fair and reasonable resolution to this matter. Specifically, I request a review and adjustment of the interest structure applied to this account, as well as a re-amortization of the current balance under terms that allow for a realistic repayment period consistent with standard lending practices. Alternatively, I am open to a negotiated settlement that reflects a fair reduction of the balance, taking into account the disproportionate long-term cost created by the current interest structure. Additionally, I request confirmation that any inaccurate or inconsistent reporting related to this account will be properly corrected. My goal is to resolve this matter in a fair, transparent, and mutually acceptable manner.

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 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FISERV FINXACT CORE
State: OR

Complaint narrative:
I am filing a complaint regarding unauthorized charges and failure to issue a promised refund. I owned a business and used CardConnectXXXX ( Fiserv ) as my merchant service provider. My merchant ID was XXXX. My company name was XXXX XXXX XXXX. Prior to selling my business at the end of XX/XX/XXXX, I notified my POS sales agent XXXX XXXX a couple of months in advance. I was explicitly told that I did not need to take any action and that the account closure and transition would be handled for me. The new owner took over the business on XX/XX/XXXX. Due to logistical reasons, the account wasn't transferred on the XXXX, so I acknowledge that I should pay for the month of XXXX. However, due to XXXX 's failure to close the account in a timely manner, I continued to be charged monthly fees totaling {$110.00} ( for the month of XXXX and XXXX ) after I no longer owned or operated the business. I contacted XXXX multiple times since XX/XX/XXXX, and the account was not actually closed until around the end of XX/XX/XXXX. The agent acknowledged the error and confirmed that I would receive a refund. In XX/XX/XXXX, I was told that the refund had been submitted to the finance department, and I should receive a check soon. As of today ( XX/XX/XXXX ), I have not received any refund. I contacted XXXX many times in the last 10 months. He always told me he would handle this and send a check soon. Additionally, there is a remaining balance of {$49.00} under my name for XX/XX/XXXX. This balance is directly related to the same account closure issue and billing errors described above, and I dispute its validity. While I was previously provided with a payment link, I did not proceed with payment because the account had already been closed and there was an outstanding refund owed to me due to unauthorized charges. I have been attempting to resolve both the refund and the remaining balance together through the company, but no resolution has been provided. Yet I have been warned it may affect my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 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: OK

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
i rent a car in Ny the amount of charge its not more {$300.00} and they are charging over XXXX with now proof

Company response to consumer: Closed with explanation