vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I am filing a formal complaint regarding Barclays ' mishandling of my XXXX credit card account, which has resulted in inaccurate negative reporting on my credit file. In XXXX, prior to closing my account, I contacted Barclays and was explicitly told that the annual fee would be waived. Based on this representation, I proceeded with closing the account. However, Barclays failed to process the waiver. I contacted them again in XXXX, yet no corrective action was taken. Despite the account now being officially closed, the annual fee remains on the account and has been reported as a missed payment to the credit bureaus, including TransUnion. This is a clear failure on Barclays part to properly execute a confirmed request and to maintain accurate account reporting. As a result, my credit profile has been unfairly and negatively impacted. Additionally, I want to state that I disagree with the automatic conversion of my Barclays-issued XXXX credit card account to a XXXX account XXXX part of the transition expected to begin on XX/XX/year>. This conversion is happening without my consent, and I did not choose to open or accept a XXXX XXXX card. I do not want my account transferred to XXXX. My preference was to close the account entirely with Barclays rather than have it converted without clear communication and proper handling of my existing issues. The automatic transfer of my account to XXXX complicates my efforts to resolve the billing and reporting errors that have already negatively impacted my credit report. I am requesting immediate resolution of this matter : 1. Removal of the annual fee 2. Deletion of the late payment from all credit bureaus 3. Correction of all inaccurate credit reporting 4. Written confirmation that these corrections have been completed If this issue is not promptly resolved, I am prepared to pursue further action to protect my credit standing. This situation reflects serious deficiencies in account handling and customer service, and it must be corrected immediately. Thank you for your help.

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 2026-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The account has been restricted as a result of alleged fraudulent activity purportedly occurring outside the XXXX United States, including transactions originating from XXXX. This activity was entirely unauthorized and occurred without our knowledge, consent, or involvement. Despite the fact that the suspected fraud was wholly beyond our control, we have been denied access to our own funds. As a result, we are currently unable to access money necessary for basic living expenses, including food and fuel. We have been advised that the restriction may remain in place for up to 72 hours. This effectively leaves us without access to essential resources required for daily survival during that period.

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 2026-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMCS, Inc. DBA Central Mercantile Collection Services
State: VA

Complaint narrative:
Summary of Issue : I received a collection notice from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ), located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX. I do not recognize the alleged debt, and the notice did not include sufficient information for me to determine whether the debt is valid or whether XXXX XXXX XXXX has the legal right to collect it. What Happened : XXXX, XXXX contacted me regarding an alleged debt but did not provide the required validation information under the Fair Debt Collection Practices Act ( FDCPA ) and CFPB Regulation F. The notice did not include : The name and mailing address of the original creditor An itemized breakdown of the amount owed Documentation showing I am legally obligated to pay The date of default or date of last payment Proof of assignment or authorization to collect Clarification on whether this is a consumer or commercial debt I disputed the debt and requested validation, but CMCS , Inc. has not provided the required documentation. Why I Am Filing This Complaint : I believe CMCS, Inc. may be violating the FDCPA and CFPB Regulation F by : Failing to provide required validation information Attempting to collect a debt without proper documentation Continuing collection activity without validating the debt Failing to clearly identify the nature of the debt ( consumer vs. commercial ) I am requesting that the CFPB require CMCS , Inc. to : 1. Provide full validation of the alleged debt, including all required disclosures. 2. Cease all collection activity until proper validation is provided. 3. Correct or update any credit reporting to reflect the dispute, if applicable. Desired Resolution : I want CMCS, Inc. to provide complete and accurate validation of the alleged debt or cease all collection efforts if they can not prove the debt is valid and legally collectible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
Incorrect information on my report PayPal provided fraudulent dates in Case # XXXX. They claim funds were spent on XX/XX/XXXX, but the stop-payment on the check didn't occur until XX/XX/XXXX. They are citing a return of funds that happened 7 days before the check was even stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Bridge IT, Inc.
State: MN

Complaint narrative:
Brigit.com been taking money from my account. I wrote them to stop taking money from my account because am not a member but they keep taking funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am reporting a fraudulent transaction conducted on XX/XX/year>, through Zelle. I sent two separate payments of {$360.00} each, totaling {$720.00}, to an individual who identified himself as XXXX XXXX, using the phone number XXXX ( XXXX ) XXXX. The payment was for what I believed were legitimate tickets. The individual initially requested that I send half of the payment upfront before receiving the tickets. After I sent the first {$360.00}, he changed the terms and stated that I needed to send the remaining balance before he would deliver the tickets, otherwise I would receive nothing. Trusting that I would receive the product after completing the payment, I sent the second {$360.00}. After receiving the full amount, the individual failed to provide the tickets and ceased communication, indicating fraudulent intent. I did not receive any goods or services in exchange for the {$720.00} sent. I believe I was intentionally deceived and scammed. I am requesting an investigation into this transaction and any possible recovery of my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 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: AZ

Complaint narrative:
On XX/XX/year> I added money to my XXXX XXXX in several different amounts. XXXX, XXXX, XXXX, XXXX, XXXX. They processed immediately making funds available in my XXXX XXXX instantly. On Monday I logging into chime checking account and saw I was XXXX negative. The transactions I did at XXXX XXXX on Saturday XXXX fourteenth. They are now pending my chime account and there were posted transactions from Monday XX/XX/XXXX in the exact same amount of XXXX, XXXX, XXXX, XXXX, and XXXX dollars that had posted my account so I called to dispute the charges because they were duplicate charges that were now pending from Saturday and posted on Monday. I contacted XXXX XXXX and saw that they only had records of XXXX transaction which XXXX time transaction, which was on Saturday the XXXX for those amounts I called and disputed the charge with chime and now they're denying my dispute and they are not giving me my money back. I provided them pictures of my cash app account activity which shows the transactions are only on there XXXX time so to be clear I charged those amount onto my XXXX app on Saturday the XXXX and now on my bank account it is showing that the transactions were posted on Monday, XX/XX/XXXX and they are also pending from the XXXX which by the way it never takes that long for transactions to clear from XXXX app, they always are instant. I provided them proof that it is not on there that I did not do the transactions. They're not on my XXXX app and they are not giving me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: OR

Complaint narrative:
I am disputing a {$32000.00} collection from Kimball Tirey & St. John LLP for an alleged debt owed to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX, CA XXXX ). I vacated this property on XX/XX/XXXX. The outstanding balance pertained to COVID-era unpaid rent. The landlord not I applied for government payment for this debt through XXXX separate programs : XXXX. City of XXXX XXXX XXXX ( Emergency Renters Assistance Program ), Application # XXXX, submitted XX/XX/XXXX. I completed the tenant portion ( Application # XXXX ) on XX/XX/XXXX. Created under California SB 91. XXXX. California State COVID-19 Rent Relief Program ( Housing is Key ), submitted by the XXXX through XXXX XXXX in XXXX XXXX. The XXXX XXXX, XXXX XXXX of XXXX XXXX XXXX, emailed me on XX/XX/XXXX confirming she submitted a new application. After submitting these applications, the XXXX NEVER contacted me about any balance owed. No letters, calls, or emails for over XXXX years. Then in XX/XX/XXXX, Kimball Tirey & St. John appeared attempting to collect {$32000.00}. I have email documentation proving both government applications, the XXXX XXXX active participation in seeking government payment, and the complete absence of any direct demand for payment over a XXXX period. I have sent a debt validation demand to Kimball Tirey & St. John via USPS certified mail and filed disputes with all XXXX credit bureaus. Either the XXXX received government funds and is fraudulently collecting the same debt again through a collector, or the XXXX failed to follow through on its own mitigation efforts and waited XXXX years to sell the debt. Either way, this collection is illegitimate and has been damaging my credit since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 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: Atlanticus Services Corporation
State: DE

Complaint narrative:
I returned a mattress to XXXX the first week of XXXX. I had to contact XXXX several times to get them to issue the refund. The refund was sent to myfortiva the company used to finance the purchase. When I saw the money was credited back to me I called myfortiva. First I was told it would be refunded to my original form if payment. Now its under review for 20 days since XX/XX/XXXX. We are talking about XXXX. Why is it under review. XXXX issued it to me. Now I am being told again thats its under review and could take XXXX more days. Why cant they just refund the money to the original for of payment as stated?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paramount GR Holdings, LLC
State: CA

Complaint narrative:
I am filing a complaint against GoodLeap regarding loan # XXXX. The loan financed a solar system installed by XXXX XXXX XXXX, a company that has since gone out of business and abandoned the project. XXXX paid {$70000.00} directly to XXXX XXXX for a solar system that is defective, incomplete, and not operational. My system produces only about 35 %, is not properly registered in XXXX, and does not transmit monitoring data. I have no warranty, no service provider, and no way to fix the system. My loan contract states that GoodLeap is subject to all claims and defenses I could assert against the seller. Since the seller defaulted and failed to deliver a functioning product, I am disputing the loan. I am requesting : Suspension of payments Investigation of contractor fraud and product failure Loan adjustment or cancellation GoodLeap continues to bill me despite the system being non-functional and the contractor being bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The debts that they have on my reports are not my debts don't know nothing about them please remove all from my accounts thank you. The debts are really messing with my credit score and I would like to have them removed asap.

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 2026-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
RE : Consumer Financial Protection Bureau Complaint No : XXXX As the authoritative consumer financial protection agency , the CFPB should initiate a necessary investigation into PayPals fraudulent conductproviding false transaction information to mislead users and misappropriating user fundsbased on the evidence and facts provided in reference to complaint number XXXX. PayPal has long exploited PayPals User Agreement to undermine user rights, evade legal action, and create barriers for users defending their legitimate interests. Even when users file complaints with the CFPB, PayPal continues to use PayPals User Agreement as a basis to avoid regulatory accountability. The CFPBs findings in this case will encourage more users whose rights have been violated to file complaints against PayPal and will also serve as grounds for initiating a class-action lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME

Complaint narrative:
I never opened this account. It was somebody using my name if you look at my credit history, I had to claim XXXX because of all these fraudulent accounts when I got fraud for multiple accounts included credit card bank accounts called that somebody tried to cosign with my name I never opened this account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
Subject : Complaint {$350.00} Not Refunded After Erroneous Cash App Transfer I am filing a complaint against Cash App regarding an unresolved transfer. On XX/XX/2025, at XXXX XXXX, I mistakenly sent {$500.00} to the wrong recipient. I reported the error within an hour. The recipient had a negative balance of - {$350.00} due to prior disputed transactions. Upon receipt of my payment, Cash App applied {$350.00} to that balance, leaving {$150.00}, which was refunded to me. Cash App has refused to return the remaining {$350.00}, stating only the recipient can refund it. However, the recipient never had access to the {$350.00}, as it was retained by Cash App to offset a separate debt unrelated to me. I believe this is improper, as my funds were used without authorization to settle another users obligation. I request a full refund of {$350.00} and a formal review of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 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: Block, Inc.
State: IL

Complaint narrative:
On or around XX/XX/year>, my Cash App account was closed due to an alleged violation of their Terms of Service. At the time of closure, I had a remaining balance in my account that I am still unable to access. I attempted to withdraw my funds through the app, but I was unable to do so because Cash App would not allow me to link a new bank account or debit card. This restriction is on their end and not due to any issue with my bank. I contacted Cash App support multiple times to resolve this issue. I was repeatedly instructed to withdraw my funds using a linked bank account, despite informing them that I could not add one due to account restrictions. I requested an alternative withdrawal method, such as a mailed check or manual transfer, but support stated they could not provide this through standard support. My case was escalated to a specialized/appeals team, and I was told to wait 510 business days for a response. As of now, I still do not have access to my funds and have not been provided with a clear solution or timeline for receiving my money. I am requesting that Cash App provide a way for me to withdraw my remaining balance, as I am currently being denied access to my own funds. The amount currently inaccessible is approximately {$640.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: IN

Complaint narrative:
I sent in XXXX paper loan consolidation applications via certified mail that listed which loans to include in each consolidation and which loans NOT to include in each consolidation. The loans were meant to be consolidated for each student, 2 siblings, to be able to pay their respective loans back themselves because some of the loans were parent plus loans under one parents name and it was confusing having the loans together. XXXXMohela mistakenly consolidated all of the loans together, resulting in a much higher interest rate. I contacted them multiple times via phone and through their website. They keep closing my cases and they told me on the phone that it was being resolved and to wait for more information in the mail and in the mean time I would not owe on the loans and interest would not accrue. I never received anything in the mail, the issue was never corrected, and I started receiving late payment notifications. This issue has resulted in excess interest and late payments that I do not believe I owe. It is difficult to get in contact with anyone who can actually help and this is a mistake of theirs. The applications specifically make you list out which loans to include and which loans not to include in the applications. I am trying to do the right thing and pay back my loans, but it is not fair that I have to pay for a predatory companys mistake.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: NY

Complaint narrative:
Subject : Borrower Defense Application Closed Without Review Refund Not Addressed I attended XXXX XXXX XXXX from XXXX to XXXX and was misled by admissions staff regarding the transferability of my credits. I was told that my XXXX XXXX in XXXX XXXX XXXX would transfer to other accredited institutions, including XXXX and other XXXX XXXX schools. After graduating, I discovered this was false. My credits were not accepted by any accredited institution, forcing me to start my education over from the beginning. This caused significant financial harm, including taking on and repaying over {$30000.00} in federal student loans over many years, including interest. I submitted a borrower defense application detailing these misrepresentations and the financial harm I experienced. However, I received a response stating that my application was being closed because my loans had already been paid in full or discharged. This response failed to evaluate my claim on its merits. My application clearly outlines fraudulent misrepresentation by the school, yet no determination was made regarding my eligibility for a refund of payments made prior to discharge. Closing my application solely because my loans were discharged ignores the financial harm I suffered and prevents me from receiving relief that borrower defense is intended to provide. Additionally, I have another borrower defense application that has been pending for approximately four years without a decision. This ongoing delay further demonstrates that my case has not been properly reviewed or resolved. Despite multiple applications and years of waiting, I have not received a clear determination regarding my eligibility for a refund of payments made prior to discharge. I am requesting : A full review of my borrower defense claim regardless of loan status A determination of my eligibility for a refund of all payments made prior to discharge, including interest A complete accounting of all payments made on my loans across all servicers A written explanation as to why my claim was not evaluated despite detailed evidence of misrepresentation Given the significant financial and educational harm I experienced, I am requesting prompt and fair resolution of this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation