vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
In Late XX/XX/year>, Paypal ran a promotion whereby they were offering 20 % cashback if consumers utilied their Buy Now Pay Later ( " BNPL '' ) Solution. At the time the promotion was implemented, the maximum cashback that could be earned per the terms was {$1000.00}, with a maximum of {$250.00} per transaction. I proceeded to make several BNPL transactions, in keeping with the terms of the offer. All transactions were completed. The transaction details were as follows : XX/XX/XXXX : {$1100.00} XXXX XXXX XXXX XXXX Transaction date XX/XX/year> Order ID XXXX XX/XX/XXXX : {$1200.00} Merchant XXXX XXXX XXXX XXXX XXXX XX/XX/year> Order ID XXXX XX/XX/XXXX : {$700.00} Merchant XXXX XXXX XXXX XXXX XXXX XX/XX/year> Order ID XXXX XX/XX/XXXX : {$700.00} Merchant XXXX XXXX XXXX Transaction date XX/XX/year> Order ID XXXX In total, the cashback owed to me for these transactions is {$750.00}. ( {$3700.00} in total spending x 20 % cashback ) On XX/XX/year>, Paypal sent an email indicating that the promotion terms were changing to reflect a maximum of {$250.00} in cashback earned. All of the transactions above were completed well before the date of the change in terms. Per paypal 's reward terms, I waited 90 days for the points to be moved from " pending '' status to " redeemable '', but this never occured. I then contacted paypal rewards support at XXXX to inquire why this was the case. After several weeks of back and forth, I received a reply from " XXXX '' informing me that the rewards would not be awarded. Text of the email below : " After a thorough review, we were unable to issue rewards points for this transaction. Our system uses a risk-based approach to evaluate transactions and reward eligibility, consistent with the PayPal 's Acceptable Use Policy and the PayPal Rewards Program Agreement. When activity appears inconsistent with typical usage or the intent of the rewards program, points may be withheld to help protect the integrity of the program for all participants. We understand this outcome may be disappointing, especially when you were expecting to receive rewards, and we truly appreciate the time and effort youve taken to follow up with us. Thank you for being a valued part of the PayPal community. '' Shortly thereafter, the pending points disappeared from my account. To be clear, my transactions met ALL of the stated terms of the promotion. This is illegal bait and switch on the part of Paypal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a complaint regarding Chase Banks reporting of a XXXX late payment ( reported as XXXX XXXX late ) on my account. At the time, I had deposited funds with the intention of making payments across my obligations. However, due to automatic withdrawals and payment timing issues across multiple accounts, the payment to Chase was not processed as intended. This was not due to an inability or unwillingness to pay. The delay was marginal, just over XXXX days, and resulted from payment timing and allocation issues while I was managing multiple obligations under a hardship program. Since then, I have fully resolved the balance, brought the account current, and prepaid my upcoming payment to ensure no recurrence. I have contacted Chase multiple times and escalated to a supervisor, but my request was declined. I was told that no changes could be made because the late payment has already been reported. However, I understand that furnishers are able to update or remove reported information when appropriate. Given that this was a one-time issue, the account is now fully current, and the delay was only slightly over 30 days, I believe that continuing to report this as a standard delinquency is misleading and does not accurately reflect my payment behavior. I made a good faith effort to meet my obligations, and the account is now in good standing. I respectfully request that this late payment be removed from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 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: GOLDMAN SACHS BANK USA
State: AZ

Complaint narrative:
I purchased comedy show tickets for a show that was to happen on XX/XX/year> @ XXXX. I paid {$150.00}. When I arrived to the comedy show which was at XXXX, the merchant stated the show was oversold and no seats were available. I requested for a refund or a store credit- they denied me both. They stated they would only be able to let me in to the later showing at XXXX. I declined since the tickets I purchased was specifically for the XXXX showing. The merchant suggested I dispute the charge with the credit card company I used to make the purchase. That same night, I opened a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SECURITY FINANCE CORP
State: OH

Complaint narrative:
I am filing a complaint regarding an auto loan that I believe was improperly structured by the dealership and not adequately addressed by the lender. The vehicle was financed in my name ; however, at the time of purchase, the dealership was aware that the vehicle was intended for another individual due to their inability to qualify for financing. I did not understand that structuring the loan this way could have legal or financial implications. I did not find this out until I asked another dealership if it was normal we have received yet another set of 30 day tags and no license plate. Additionally, all communication regarding the loan, including approval details, documentation, and transaction coordination, was conducted through this other individual rather than directly with me. He was told I did not need to be present and could complete paperwork remotely. I now have written communication confirming that the dealership was aware of this arrangement and proceeded regardless.I contacted the lender to report these concerns and request assistance in resolving or correcting the loan. The lender acknowledged the concern but ultimately stated they could not take action. I am requesting a formal review of this transaction, including the dealerships role in structuring the loan, and assistance in resolving or unwinding this loan given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
To : Capital One Auto Finance XXXX. XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX RE : FORMAL DEMAND FOR ACCOUNT CORRECTION AND DAMAGES Account Number : XXXX Dear Sir or Madam, I am writing to formally dispute an improper balance of approximately {$2400.00} that has been added to my auto loan account following the total loss of my vehicle in 2025. After the loss : - My insurance company paid approximately {$14000.00} toward the vehicle. - XXXX insurance and the dealership paid the remaining balance in full. Therefore, the account was fully satisfied, and no balance should remain. Despite this, Capital One Auto Finance has : XXXX. Reversed and re-added a balance of approximately {$2400.00} without explanation. XXXX. Failed to provide documentation justifying this charge ; and XXXX. Reported this inaccurate balance to credit reporting agencies, causing harm to my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: CT

Complaint narrative:
I am filing a complaint against TD Bank regarding a mishandled dispute connected to a refund from XXXX that has caused severe financial hardship. I have been going back and forth with TD Bank for months over a dispute where XXXX has already approved my refund. I have submitted every document TD Bank has requested multiple times, including official confirmation from XXXX stating that the credit was approved. Despite this, TD Bank continues to delay the resolution and repeatedly asks for more information without properly processing what has already been provided. I also spoke with an XXXX representative who said to dispute the charges with my bank and the reps knows that. Additionally, a TD Bank employee in the branch previously attached the wrong documents to my claim, which forced me to restart the entire dispute process. This caused significant delays, and now months later the issue is still unresolved. I feel that I am not being listened to or taken seriously. Even after speaking with a supervisor who verified parts of my situation, there has been no resolution or follow-through. As a result of TD Banks failure to properly handle this dispute, my account is now overdrawn by {$2900.00} due to fees and the missing credit. I am now receiving calls questioning why my account is negative, even though this situation was caused by the banks mishandling of my dispute. This situation has caused extreme financial hardship, and I am currently XXXX. TD Banks failure to properly investigate and resolve this matter in a timely manner has directly contributed to my condition. I am requesting that TD Bank immediately : - Apply the approved refund from XXXX - Reverse all overdraft and related fees caused by this issue - Provide a full and proper investigation with a clear resolution I also request a full review of how my claim was handled, including the error made by the branch employee and the repeated delays despite sufficient documentation. This matter has gone on for far too long without resolution, and I am seeking immediate corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
The XXXX company is charging me for a debt I don't recognize and didn't sign up for. A company then put my name on a collection list for something I don't owe. I disputed the debt on the debt collection website and also contacted CAINE & WEINE, who told me to contact PAYSFE, but the burden of proof lies with the company that is charging me. I requested proof of the debt, and they haven't responded since. I need this removed from my record because it's affecting my credit and credibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Round Up Ventures, L.P.
State: AZ

Complaint narrative:
This company is uses rent a bank and breaks usury laws. They are a predatory lender, they don't disclose all lending APR, also put a mark as a collect today on my credit report. I have not had any correspondence with this company in years. CFBP needs to shut this company down completely for there are many lawsuits pending in the courts in almost every state in the United States. They have gave me no proof of debt as well, the time I did speak with one of their reps. I want this removed of my credit asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am filing a complaint regarding how PayPal handled my dispute, specifically the fairness and transparency of their process. I originally filed a claim after receiving a damaged item and dealing with a seller who stopped responding. PayPal reviewed the case and formally closed it in my favor, issuing a credit to my account. Based on that outcome, I reasonably believed the matter was fully resolved. Months later, PayPal reopened the situation and reversed {$360.00} from my account. I was given no warning, no prior notice, and no indication that this could happen after the case had already been closed. Regardless of how PayPal classifies the transaction internally, I do not believe it is fair or acceptable to reopen a closed case and apply a charge after such a significant amount of time has passedespecially without any communication beforehand. As a consumer, I relied on PayPals original decision and had no reason to expect that funds could be taken back long after the case was resolved. The lack of transparency and absence of any warning makes this situation even more concerning. My concern is not just the amount, but the precedent this sets. If PayPal can close cases in a customers favor and then reopen them months later to reverse funds without notice, it undermines trust in their entire dispute resolution process. I am requesting : 1. A clear explanation of how and why a closed case can be reopened after months 2. Clarification of PayPals policies regarding finality in dispute resolutions 3. Consideration of the fairness of reversing funds without any prior notice This issue is about transparency, consistency, and consumer trust, and I hope PayPal will address it accordingly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates
State: PA

Complaint narrative:
I am writing to formally request an investigation into the L J Ross Associates Inc account reporting on my credit file ( Account XX/XX/XXXXXXXX ), with the original creditor listed as XXXX. I have reason to believe this account contains inaccurate, incomplete, or unverifiable information. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXX et seq. ), I am requesting that you conduct a reasonable investigation and verify all information associated with this account, including but not limited to the account balance, payment history, dates of delinquency, and any remarks currently being reported. I also request disclosure of the method of verification used to confirm the accuracy of this account, as outlined under 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX et seq. ), please provide documentation supporting your authority to collect on this alleged debt, including proof of assignment or ownership, as well as evidence that I was properly notified of this debt in accordance with 15 U.S.C. XXXXg. I am also requesting copies of any notices allegedly sent to me regarding this account. If this account can not be verified as accurate, complete, and compliant with the above-referenced laws within the investigation period required under 15 U.S.C. XXXX ( a ) ( XXXX ) ( XX/XX/XXXX days ), I request that it be corrected or removed from my credit report accordingly. Thank you for your prompt attention to this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
Between XXXX and XX/XX/year>2026, my Hyundai Finance account was reported to the credit bureaus as having an increased balance from approximately {$44000.00} to {$44000.00}. This increase of {$160.00} was flagged as a negative change and caused a XXXX-point drop in my credit score. However, I have made all payments on time, and my payment history shows that my balance is consistently decreasing. There were no missed or late payments during this period. I contacted Hyundai Finance to address this issue and was informed that they may be reporting a payoff balance or including interest in a way that does not accurately reflect the principal balance. This reporting is misleading and makes it appear as though my debt is increasing or that I missed a payment, which is not true. I am requesting that Hyundai Finance correct the information reported to the credit bureaus so that my balance accurately reflects the true principal balance and payment history.

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 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Starting on XX/XX/XXXX mortgage payments were paid and the mortgage company decided forced placed insurance for {$7500.00} and then provided them with our personal homeowners insurance with XXXX XXXX XXXX and always supplied insurance to the mortgage company. Then they in XX/XX/XXXX paid XXXX XXXX of {$5400.00} when XXXX XXXX was submitted for {$4400.00}. They paid out both insurances and spike the mortgage payment from {$790.00}. XX/XX/XXXX payment was {$1500.00} to {$1500.00} a month in XX/XX/XXXX Asked for escrow analysis XXXX, XXXX, XXXX and now they are saying they can not provide an escrow analysis until XX/XX/XXXX. For XX/XX/XXXX the payment is {$1000.00}. They have only reimbursed me {$600.00}. Sent the escrow check that was sent to me {$3300.00} to Rocket Mortgage and they have cashed the check in XX/XX/XXXX. The Rocket Mortgage has continuously added fees and charges to my mortgage account making the payments of different amount difficult on every mortgage statement and when call about the escrow never a clear answer and can not answer my questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Validation of Debt Request - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
my account is been on hold i submitt 4506-t form multiple times and still blocked theyre blocking my account wont remove holds

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief