vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: KS

Complaint narrative:
I am filing this formal complaint against PayPal , Inc. regarding unauthorized account reactivation, deceptive data collection practices, and refusal to close an account upon consumer request. Years ago, I formally closed my PayPal account associated with the email address XXXX. However, PayPal recently began sending me emails indicating that this account is active, essentially resurrecting a closed account without my authorization or consent. On XX/XX/year>, I contacted PayPal to demand that this unauthorized, resurrected account be permanently closed immediately. In response, PayPal refused to close the account unless I uploaded a government-issued photo identification and provided a valid credit card number. I strongly object to these demands for the following reasons : 1. Unauthorized Reactivation : I did not authorize the reopening or reactivation of this account. PayPal has unilaterally resurrected a closed account. 2. Unnecessary Data Collection : There are no funds in this account, nor are there any pending transactions or disputes. Therefore, demanding a photo ID and a credit card to simply close an empty, unauthorized account is an unreasonable and excessive data collection practice. 3. Privacy Concerns : I refuse to provide my biometric data ( photo ID ) or financial data ( credit card ) to a company that has already demonstrated questionable practices by reactivating a closed account. I have legitimate concerns that this data will be stored, monetized, or otherwise misused. PayPal is holding my personal data hostage and refusing a basic consumer request to close an account unless I surrender even more sensitive personal and financial information. This is an unfair and deceptive business practice. Desired Resolution : I am requesting that the CFPB intervene and compel PayPal, Inc. to : 1. Immediately and permanently close the account associated with XXXX without requiring me to upload a photo ID, credit card, or any other additional personal information. 2. Provide written confirmation that the account has been permanently closed and that all associated personal data has been purged from their active marketing and operational databases. 3. Investigate PayPal 's practice of reactivating previously closed accounts and their policy of demanding unnecessary sensitive data ( photo IDs and credit cards ) to process simple account closure requests. I appreciate the CFPB 's prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Velocity Portfolio Group
State: MN

Complaint narrative:
Velocity Investments , LLC has engaged in willful, unfair, and deceptive practices by materially breaching a binding arbitration agreement and acting in bad faith. I initiated arbitration before the XXXX XXXX XXXX XXXX XXXX ) pursuant to the arbitration clause in the XXXXXXXX XXXX XXXX agreement. The XXXX formally notified Velocity Investments , LLC of its obligation to pay the required filing fees. However, Velocity deliberately refused to pay, resulting in the administrative closure of the arbitration. This refusal constitutes a material breach of contract, bad faith conduct, and a clear waiver of their right to enforce arbitration. Despite this, Velocity continues to pursue collection activity, improperly attempting to enforce a debt while simultaneously refusing to comply with the contractual dispute resolution process. This conduct has caused ongoing harm, including loss of my contractual rights, financial XXXX, and damage to my credit profile.

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 2026-04-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Monterey Financial Services LLC
State: IA

Complaint narrative:
In 2025 I contacted a company called XXXX XXXX to assist me with disputing and or not paying my back taxes. I did not know and I was not informed it would cost {$5000.00} for them to help me. This came at the very end of their first review. Im submitting a separate one for XXXX XXXX as I feel like theyre predatory. But XXXX XXXX at no time told me how much this was gon na cost me to dispute my IRS back taxes and their Sister company is Monterey financial where I basically was told it was {$5000.00}. They told me after they XXXX XXXX told me this after they said that XXXX agreed with them that I could not pay this back. But now theyre saying I have to pay back the IRS . So theres multiple issues with XXXX XXXX and Monterey financial. And Monterey financial when calling me about payments, they are threatening me and leaving nasty voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX I applied with Federal Student Aid to switch repayment plans from SAVE to PAYE ( an IDR plan ). I called a few days later requesting a processing forbearance under CFR 685.205 ( b ) ( 9 ) which was granted and began XX/XX/XXXX. The forbearance was placed for XX/XX/XXXXXXXX and XX/XX/XXXX. My PSLF tracker shows XX/XX/XXXXXXXX accurately as a qualifying month for PSLF because of the processing forbearance. However, XX/XX/XXXXXXXX does NOT show accurately. Under CFR Section 685.219 ( c ) ( 2 ) ( v ) ( H ) this month of processing forbearance qualifies and should be eligible. I am an attorney who knows how to read Regs and Statutes. Multiple calls to customer service resulted in agents telling me incorrect information and some even hanging up on me. I submitted Feedback Case XXXX on XX/XX/XXXX and even explained that my servicer said they need to review their records because the first thirty days of the forbearance does count toward PSLF as per the statutes and regs I have cited here and on the complaint. I received correspondence saying they would reply in 15 days. That has not happened. I opened a new request to request escalation to the ombudsman. That also has not happened.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-13 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: Paypal Holdings, Inc
State: IN

Complaint narrative:
My name is XXXX XXXX. I am submitting this complaint regarding a disputed transaction of {$370.00} made using PayPal Credit through XXXX. I purchased an item from an XXXX seller that I later discovered was fraudulent. After the transaction, I learned that the sellers account was suspended/terminated, and I believe the seller was engaged in fraudulent activity. I contacted XXXX to verify delivery details, and I was informed that the package linked to the tracking number was not delivered to my address. Instead, it appears the tracking information may have been misused or reused to falsely indicate delivery, which is consistent with known scams involving manipulated tracking numbers. After discovering this issue, I immediately filed disputes and contacted PayPal multiple times over the course of a week. I have spoken with customer service representatives and supervisors, but each time my dispute has been denied or closed without resolution. I have not been provided with a meaningful investigation or explanation addressing the evidence I have provided. I am extremely concerned because PayPal Credit was used for this transaction, and I understood there would be buyer protection in cases of fraud or non-delivery. Despite my repeated attempts to resolve this directly with PayPal, I have not received assistance or a reversal of the charge. I am requesting a full investigation into this transaction, including review of the tracking information, seller account status, and dispute handling process. I am also requesting reconsideration of my claim and reimbursement of the {$370.00} due to fraud and non-delivery. I have made every effort to resolve this directly with PayPal before submitting this complaint. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: LA

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER 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 explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing inaccurate and/or unverifiable information on my credit report reported by TRANSUNION. Despite submitting documentation and a formal written request, the company failed to correct the inaccurate late payment entries in accordance with the Fair Credit Reporting Act ( FCRA ) 1681i. These inaccuracies have harmed my credit score and caused financial and emotional 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 non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever the38668re is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am filing a complaint against Harris & Harris , Ltd. regarding an alleged debt they are attempting to collect. This account was previously disputed with the credit bureaus and was removed after investigation due to failure to verify the debt. Despite this, the company continues to contact me in an attempt to collect. They have not provided sufficient validation that I owe this debt, yet continue collection efforts. This behavior is concerning and appears to violate the Fair Debt Collection Practices Act. I am requesting that Harris & Harris , Ltd. cease all communication with me regarding this matter unless proper validation can be provided, and that they do not attempt to re-report this account to any credit bureau without verified and accurate documentation. I also request confirmation that this account will be closed if validation can not be provided. Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
I purchased XXXX XXXX XXXX XXXX at XXXX. These cards are serviced by XXXX. I successfully used 5 and the 6th one failed. I attempted 3 times over 2 days and all attempts failed. I called customer service and they refused to help me. They gave me nonsensical suggestions and when I asked for a supervisor, they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
My brother is the account holder. He passed away XX/XX/year>. I began trying to contact Chime on XX/XX/year> to report his death. I have called on XX/XX/year>, XX/XX/year>, XX/XX/year>, and XX/XX/year>. Each time I called they would say they are not authorized to help me and the executive office would contact me through email. I have not yet received an email from them as of what the next steps I should take. I sent in writing 2 emails. One to the support team and the legal team at Chime. These emails were sent on XX/XX/year>. I received an email from support telling me to call the XXXX ( XXXX ) # that I had already called multiple times, with no response. I did call again and they told me they had my email address wrong. I gave them the correct email address and still have not gotten a response. The legal team has not responded to my request as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
Venmo hasnt reviewed or responded to my dispute claim. I was told originally when I filed the dispute of {$69.00} on XX/XX/XXXX that Id have to wait 50 days maximum for the merchant to respond to the claim or company ( Venmo ). It has been 5 months since then and the wait time period for the merchants response has been since passed and Ive been constantly calling for a status update about the claim to no avail. I keep getting the runaround and the Venmo Agents are telling me that the dispute is still burning reviewed even though the review time has since passed. Also I received an support email from a Venmo Agents admitting that this was/is an error on their end and that they messed up and that They marked the claim as red flag alert ( high urgency ) and thatd Id receive an update an update shortly. That was on XX/XX/XXXX and there has still been NO update whatsoever at all. Today I called again just to get the same runaround and I was told again by an agent that theyd escalate the case but that hasnt been confirmed or happened. Ive reached out multiple times now and its very frustrating. At this point Im not sure if I should Send a letter to headquarters as certified mail with return receipt confirmation and everything just so itll get noticed possibly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tromberg, Miller, Morris & Partners, PLLC
State: NJ

Complaint narrative:
I am filing this complaint against Tromberg , Miller , Morris & Partners , PLLC and XXXX XXXX XXXX XXXX regarding an alleged debt they claim I owe related to a XXXX XXXX XXXX account ( Matter # XXXX ). I formally disputed this debt within the 30-day validation period under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Despite my dispute, the collector has failed to provide proper validation of the debt. Specifically, they have not provided : - A copy of any original signed contract or agreement bearing my signature - A complete account history from the original creditor - Documentation showing the full chain of assignment or ownership of the debt - Competent evidence that I am legally obligated to pay this alleged debt Instead, debt collectors in situations like this often respond with generic statements or account summaries, which do not meet the legal standard of validation required under federal law. This conduct constitutes : - Failure to properly validate a disputed debt ( FDCPA 15 U.S.C. 1692g ) - Continuing collection activity without proper verification - Reporting or potentially reporting inaccurate or unverified information to credit reporting agencies in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) I am demanding the following resolution : 1. Immediate deletion of this account from all credit reporting agencies ( if reported ) 2. Immediate cessation of all collection activity 3. Written confirmation that this account has been closed and no further collection will occur If the company can not provide full and complete validation as required by law, they must delete the account and cease all reporting and collection efforts. I am prepared to escalate this matter further, including filing complaints with the State Attorney General and pursuing legal action for FDCPA and FCRA violations if this issue is not resolved promptly. I request that the CFPB require the company to provide a substantive response with actual evidence, not generic or automated replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 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: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am filing this against JPMorgan Chase Bank , N.A . in its capacity as the financial partner/processor for XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year>, I entered into a binding, written financial settlement regarding Order XXXX XXXXXXXX. An XXXX representative ( XXXX ) explicitly guaranteed a full credit of {$93.00} to my stored-value account, stating in writing : 'In this case I can help you with the full refund on returning the item ' and confirming that " {$93.00} is the correct amount. ' Relying on this financial promise, I proceeded with the resolution. However, XXXX has since reneged on this documented agreement and is withholding these funds from my digital balance. This constitutes a deceptive financial practice by a partner entity. I have attached the PDF transcript of the agreement as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
I disputed this account with the credit bureau and it was verified as accurate without a proper investigation. No documentation was provided to support the validity of this debt. I also requested validation directly from the company, including proof of ownership, original signed agreement, complete payment history, and the date of first delinquency, but this information has not been provided. The continued reporting of this account without proper validation raises concerns regarding compliance with the Fair Credit Reporting Act. I am requesting that this account be fully validated or removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Consumer Financial Services Solutions, Inc.
State: IN

Complaint narrative:
I enrolled in a debt settlement program with Beyond Finance , LLC in XX/XX/XXXX. All enrolled debts were fully resolved and paid by XX/XX/XXXX. All Beyond program fees were collected from my dedicated account by XX/XX/XXXX. Despite all debts and fees being settled, Beyond Finance continued pulling recurring deposits from my checking account, including {$590.00} on XX/XX/XXXX, {$590.00} on XX/XX/XXXX, and {$58.00} on XX/XX/XXXX, totaling over {$1200.00} in deposits taken after program completion. I requested termination of the agreement multiple times beginning in late XX/XX/XXXXXXXX through phone calls, the online portal, and written chat on XX/XX/XXXX and XX/XX/XXXX. Each time, Beyond Finance refused to honor my termination, conditioning it on an internal graduation process that does not exist anywhere in my signed agreement. Section 21 of the agreement explicitly states I may terminate at any time for any reason through any reasonable oral or written means. I also contacted XXXX, the third-party dedicated account holder, on XX/XX/XXXX. Their supervisor confirmed ( reference XXXX ) they could not act independently due to Beyonds graduation hold, despite the account agreement stating conflicting instructions are resolved in the account holders favor. A refund of {$620.00} was initiated only after significant escalation on XX/XX/XXXX, more than two weeks after all program activity was complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I received a check for my business XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX for the amount of XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents from my insurance company closing my account I attempted to deposit the funds electronically into a chase business checking account on XX/XX/XXXX after depositing the funds the next business day I received a follow up email explaining to me my account would be closed due to fraudulent reasons and thst they needed to verify with the company canal that issued me the check if the issued the check I have contacted them and we have been trying to resolve this issue for more than six months now the bank chase will not give me my funds and they claim that none of the numbers they are using they can not get inn touch with the insurance company and they are not trying to fix the issue in no other kind of ways

Company response to consumer: Closed with non-monetary relief