vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XX/XX/year> I received an email from XXXX thanking me for a {$600.00} purchase of cards. {$120.00} was charged to my PNC debit card. The email from XXXX stated that they would charge 3 subsequent payments on future dates. I did not make this purchase. I sent a response email to XXXX notifying them that this purchase was fraudulent. I notified PNC Bank that the purchase was fraudulent and disputed the charge. I also had PNC Bank to cancel my debit card. I received correspondence dated XX/XX/year> from PNC stating their that investigation and they determined that the charge is valid. During a telephone to PNC, I was informed that this determination was based on the merchant providing my name, address, and email. I also reached out to XXXX notifying them again that the charge to my account was valid, I have emailed XXXX on several occasions regarding this fraudulent charge,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TrueAccord Corp.
State: PA

Complaint narrative:
3rd Complaint Credit bureaus updated my account XX/XX/XXXX and XXXX XXXX with no debt validation of proof. Noted the following I am submitting this complaint as a follow-up to a previously closed case regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX, True Accord, and XXXX XXXX. The issue remains unresolved. I disputed the following accounts : True Accord {$580.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX : {$780.00} {$470.00} {$470.00} {$760.00} XXXX XXXX XXXX : {$210.00} ( unknown account, no recognition or documentation provided ) I requested full validation of these debts under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), including : Original signed contract Chain of assignment / proof of ownership Complete account history To date, neither XXXX XXXX XXXX nor XXXX XXXX XXXX has provided this documentation. Despite this, the accounts continue to be reported on my credit reports and were marked as verified. This raises serious concerns under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers to conduct a reasonable investigation. Verification without documentation does not meet this standard. Additionally, reporting a debt without proper validation may constitute false or misleading representation under the FDCPA ( 15 U.S.C. 1692e ). XXXX XXXX XXXX has also reported an account for {$210.00} that I do not recognize and for which no documentation has been provided. I am requesting that : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, True Accord, XXXX XXXX provide proper validation of all accounts, including chain of assignment and original documentation, OR 2. Immediately cease reporting and request deletion of all unverifiable accounts from all credit reporting agencies I am requesting that this complaint be reopened and properly investigated, as the issue remains unresolved and the prior response did not address the lack of validation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: SD

Complaint narrative:
After my tax refund was deposited, my Credit Karma XXXX account had unauthorized transactions totaling over {$2500.00}. I did not have my card in my possession and did not authorize these charges, including a {$1500.00} purchase at XXXX XXXX XXXX XXXX. I reported the transactions to the company, but my disputes were denied. They also completely closed my account. I am requesting a full reinvestigation and reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I have never done any business with this company. Company continues to harass me via phone calls and text messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
I am filing a formal complaint against Wise XXXX Wise Payments Ltd. ) regarding their failure to return funds exceeding {$28000.00} associated with a canceled transfer. Summary of Issue : I opened a business account with Wise and initiated a transfer ( Transfer # XXXX ) on XX/XX/year>. After accepting the funds, Wise informed me that they could not support my business account due to my state of registration and that my account would be restricted and eventually closed. Wise explicitly stated that : The transfer would be canceled The funds would be refunded in full Subsequently, I received conflicting communications from Wise : I was asked to provide bank details to receive a refund I was later told that the transfer had already been canceled with a refund As of today, more than XXXX days later, I have not received any refund, nor have I been provided with any proof that a refund has been processed ( such as a trace number, confirmation of destination account, or payment reference ). Current Situation : Wise has confirmed the transfer was canceled Wise has not provided evidence of refund execution Wise has not returned my funds Wise has acknowledged my complaint and assigned reference # XXXX but indicated it may take up to XXXX days for review This delay is unreasonable given the amount involved and the fact that the funds are confirmed to be in Wises possession or control. Resolution Requested : I am requesting immediate regulatory assistance to compel Wise to : Confirm the exact location of my funds Provide proof of any refund already processed ( including trace/reference number and destination account ) Immediately return the full amount of my funds if they have not yet been refunded Impact : This situation has caused significant financial disruption and concern due to the size of the funds and lack of transparency from Wise. I respectfully request prompt investigation and resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I am filing a complaint regarding the improper handling of a dispute involving counterfeit goods by both PayPal and XXXX XXXX XXXX I purchased {$2700.00} worth of clothing from an online seller and initially filed a dispute through PayPal for missing items. After receiving a partial shipment, I discovered that the items I did receive were counterfeit. At that point, I attempted to update my dispute to reflect the correct issuecounterfeit merchandise and adjusted claim amount. However, PayPal does not provide any option to modify an existing dispute. As a result, I closed the initial claim in order to refile it correctly under the appropriate category. When I attempted to submit a new claim, PayPal refused, stating that because I had closed the original dispute, it could not be reopened and no new claim could be filed. I was then explicitly instructed by PayPal to pursue recovery through my bank. Following PayPals direction, I filed a dispute with XXXX XXXX XXXXXXXX. I provided all supporting documentation, including : - Full communication history with the seller - Evidence of missing items - Independent authentication confirming the items are counterfeit ( including confirmation associated with XXXX XXXX XXXX ) Despite this, XXXX XXXX XXXXXXXX denied my claim and directed me back to PayPal. PayPal, in turn, has stated they will not take further action. Both institutions are now refusing to resolve this matter, leaving me financially responsible for counterfeit goods despite clear evidence of fraud and documented attempts to resolve the issue in good faith. This situation reflects a failure by both PayPal and XXXX XXXX XXXXXXXX to properly investigate and apply their respective consumer protection policies regarding counterfeit goods and significantly not as described merchandise. I am requesting that XXXX XXXX XXXXXXXX properly process this dispute as a fraudulent transaction and issue a full refund of {$2700.00}. I also request a review of XXXXyPals dispute process, which prevents consumers from correcting claim errors and effectively blocks access to Buyer Protection. This has caused significant financial harm and unnecessary hardship, and I am seeking immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I requested my account statements multiple times and have not received them. I was transferred over four times between employees XXXX, XXXX, XXXX, a woman starting with XXXX, and one unknown employee, and on one call I was hung up on after being on the phone for over XXXX hour XXXX minutes. This is unacceptable, abusive, and a clear failure of Wells Fargos customer service. I demand immediate delivery of my statements, a review of employee handling, and written confirmation of corrective actions. If this complaint is not resolved promptly, I will escalate it further and pursue all available avenues, including full CFPB oversight, regulatory review, and any other actions necessary to protect my rights as a 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 explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened without my consent or knowledge
Company: U.S. BANCORP
State: NH

Complaint narrative:
Received an alert from my credit management ( XXXX ) that my credit was recently pulled and it has affected my score. This occurred on XXXX XXXX. I then was mailed three letters separately from USBANK stating that they could not open a savings account or credit card due to their inability to verify my identity. These are all dated XX/XX/XXXX ( card asking if this was fraud ) and XX/XX/XXXX on the two letters separately stating account opening denied. Ref codes XXXX and XXXX. I reached out on the XXXX of XXXX and XX/XX/XXXX to the provided number to usbank fraud department to no avail. Stayed in the line waiting XXXX minutes and XXXX minutes and never a live person or option was provided.

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 2026-04-01 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On or around XX/XX/year>, I attempted to make a legitimate purchase at XXXX XXXX. Chase flagged the transaction as potential fraud. The fraud alert notification system did not work properly, so I called Chase directly to confirm the transaction was legitimate. The representative required identity verification via phone number. I had changed my phone number the previous week, and the new number had not yet been registered in Chase 's system. Despite my willingness to verify my identity through other means, the representative determined the activity was fraudulent and cancelled ALL of my Chase credit cards while I was on the phone. The call was then disconnected. I called back multiple times. Each time I was placed on hold and the call was disconnected without resolution. The following day, I visited a Chase branch in person. The branch employee told me to call Chase 's phone line the same line that had repeatedly disconnected me. A branch employee then called on my behalf and spoke with multiple departments, but was unable to restore access to any of my cards. I visited a second Chase branch to obtain tracking numbers for replacement cards. No tracking information was available. I can not add any cards to my digital wallet. I currently have zero access to my credit lines and the funds associated with them. I am a small business owner with a full-time job. I have rent, phone bills, and business expenses due. Because of Chase 's actions, I have been left with no functioning credit cards and no way to pay my obligations on time. I have spent approximately XXXX hours across phone calls and in-person branch visits attempting to resolve an issue that Chase created time taken directly from my work and my business. The financial XXXX and disruption to my livelihood caused by this situation is unacceptable. The original transaction was legitimate. Chase 's own verification system failed because it had not updated my phone number. Rather than offering alternative verification, Chase cancelled all of my cards and has provided no meaningful path to resolution. No one at Chase not phone support, not two separate branches has been able to fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc.
State: KY

Complaint narrative:
XX/XX/year> I was notified via XXXX XXXX that I had new loans on my credit file. I dug in to find out what this information was and unfortunately it took me weeks to finally get to speak with someone at AidVantage. Their fraud dept referred me to also talk to someone in fraud at the school it was facilitated at, XXXX XXXX XXXX XXXX. I contacted them and started the dispute process as well. During the course of a few months I gathered and researched to provide full proof the loans were fraudulent and I had been a XXXX XXXX XXXX XXXX I sent the information to all parties and had to wait another 60 days for their investigations. On the XXXX day I reached back out to the XXXX XXXX XXXX because no one from their school had reached out. At that point they confirm identity theft but no wrong-doing on their part, even though it originated from their school. I continue to try to get in contact with XXXX and sent all documentation requested for the discharge via XXXX, Fax- multiple times, and email. I have the records of where I had sent multiple faxes. In XX/XX/year>, I finally get in touch with someone after being on hold on the phone for over an hour. I was given the email address to send fraud investigations the information I had already been sending in. The XXXX XXXX XXXX had also admitted again via a letter sent to my email there was identity theft that originated at their school that caused all of this and they would reach out with the same letter on the fraudulent loans. I continued throughout the year of XXXX to dispute via all credit reports and provided proof of identity theft to no avail. One loan was discharged and another loan is still showing as of today, almost 14 months after I started contacting all of the companies involved. It has dropped my credit score 150 point because now it shows as 90 days past due. This is NOT my loan, nor has it ever been and I'm the one suffering due to the XXXX XXXX XXXX 's negligence and lack of due diligence, and the lack of investigation at Aidvantage for a year. I recently heard from the investigator I spoke with in XXXX who let me know that now they need my high school transcripts and a copy of my social security card to discharge. This is absolutely absurd at this point and I have had to keep my lawyer looped into this the whole time. No one should ever go through the emotional distress and trauma they have caused, both The XXXX XXXX XXXX and Aidvantage. Shame on both of your companies for allowing this to continue on for well over a year. I have had to spend money and take time away from work to handle this and hire an attorney to ensure this is resolved for once and all. I want both Aidvantage and The XXXX XXXX XXXX held accountable for the over {$4000.00} they allowed to be taken out in my name without my authorization or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Starmark Financial LLC
State: VA

Complaint narrative:
I am submitting a formal complaint regarding Starmark Financial, who has been repeatedly contacting me in an attempt to collect a debt that I do not owe. The alleged debt is tied to XXXX XXXX. However, I have a fully executed Service Agreement Termination confirming that my agreement with XXXX XXXX was officially terminated. Per this termination, all obligations were resolved, and I was issued a refund, confirming that no balance remained owed. Despite this, Starmark Financial continues to attempt collection without providing any written validation of the alleged debt. The representative refuses to provide details unless I verify my personal information, which I have declined to do for security reasons. They also claim emails were sent, but I have no record of receiving any such communication. This raises serious concerns, including : * Attempting to collect on a debt that was resolved and terminated * Failure to provide required written validation * Continued collection attempts without proof of obligation I am requesting that Starmark Financial : 1. Cease all collection efforts immediately 2. Provide written validation of the alleged debt, if any exists 3. Confirm that no negative reporting has been or will be made to any credit bureau I respectfully request that your office investigate this matter and take appropriate action to ensure compliance with federal consumer protection laws. Sincerely, 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 2026-04-01 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: NC

Complaint narrative:
This account is the result of identity theft. I did not authorize, open, or have any involvement with this account. Despite multiple disputes and submission of identity theft documentation, the account continues to appear on my credit report as verified. This constitutes a failure to conduct a reasonable reinvestigation and violates FCRA 1681i, 1681e ( b ), 1681s-2 ( b ), and 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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

Complaint narrative:
" RETALIATION CLAIM - RELATED TO CASE # XXXX '' On XX/XX/XXXX, I received {$31.00} in my PayPal account XXXX After facing technical issues, I contacted support. Minutes after I informed the agent ( XXXX ) that I had an open case with the CFPB, my account was PERMANENTLY LIMITED as a direct retaliation. PayPal is withholding my funds without a valid legal reason, citing an old account from XXXX to avoid resolving my current issue. This is a punitive action against a consumer for exercising their legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-01 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: FL

Complaint narrative:
Validation of Debt Request- JEFFERSON CAPITAL SYST - XXXXXXXX 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 2026-04-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
On XX/XX/XXXX, I requested information from Fidelity to change my legal name and also to change my plan since I am no longer working with my former employer. On XX/XX/XXXX I sent all requeste documents and ata. On XX/XX/XXXX there is no trace in my account online of any of the sent requests or status on progress. none of the two requests have been honored or acknowledged. I reached out to customer support and they do nt have any information at all, indicating to wait for 5 business days. I was attended by XXXX, but declined to give any other identification. The agent is not knowledgeable at all and defers to canned answers they read.

Company response to consumer: Untimely response