vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MO

Complaint narrative:
Dispute Description : Verified Account Takeover ( ATO ) & Unauthorized Access Case Reference : XXXX Case # XXXX ( Detective XXXX XXXX XXXX XXXX Disputed Amount : {$530.00} Incident Date : XX/XX/XXXX & XX/XX/year> XXXX. Nature of the Unauthorized Activity This claim centers on an " Unauthorized Account Takeover '' initiated through a sophisticated digital attack rather than a simple credential compromise. The transactions were not authorized by me, and the XXXX investigation officially classifies the event as " Fraudulent use of credit device-unauthorized '' ( Statute 17-093.3 ) 2. Technical Cause : XXXX XXXX XXXX The claim previously denied by XXXX on " consistent login activity '' failed to account for the technical nature of the attack documented by law enforcement. The Attack : Forensic analysis of my hardware revealed the presence of the malware engine " evilsouls-reconnect.bat '', which was used to maintain unauthorized access. The Evidence : XXXX recovered logs ( specifically XXXX ) confirming a " XXXX XXXX ''. This allowed the attacker to bypass Two-Factor Authentication ( XXXX ) by using stolen active session tokens to mimic my authorized device Persistence : A persistence script executed at XXXXXXXX XXXX ensured the attacker remained logged into my digital sessions. 3. Disputed Transactions & Law Enforcement Findings International Access : Subpoenaed logs obtained by Detective XXXX prove that while I was in XXXX XXXX, MO, the account was accessed from IP addresses in XXXX XXXX XXXXXXXX ( XXXX ), XXXX, and XXXX. Malicious Content : The attacker leveraged the hijacked Discord session to distribute malicious content, resulting in a permanent account disablement that prevented me from immediately securing my data. Coerced Transactions : The perpetrator used the compromised account and threats of exploitation to force the purchase of gift cards totaling {$530.00} through PayPal 4. Actions Taken & Company Response Immediate Reporting : I reported the fraud to the LSPD on XX/XX/XXXX and XX/XX/year>, and provided my physical hardware for forensic imaging. PayPal Action : PayPal 's Executive Escalations office ( Case # XXXX ) initially denied the claim, stating they found " no evidence of unauthorized access '' because login activity appeared " consistent ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year> I authorized a {$40.00} payment to my PNC credit card from my XXXX checking account. On XX/XX/year>, PNC endorsed the check but never credited my credit card. I have spent over an hour in contact with PNC trying to resolve the issue but they have failed to complete the resolution, even though I have sent them a copy of the endorsed check.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
A vehicle was purchased through XXXX and financed through Bridgecrest. Within 2 days of taking possession, multiple defects were identified and reported, including unsafe tire condition, braking concerns, damaged rim, electrical failures, and poor vehicle preparation at delivery. The vehicle had approximately XXXX percent XXXX XXXX remaining at pickup, no fuel, and was covered in snow and road salt, limiting visibility of exterior defects. Within the XXXX XXXX return window, a request was made to return the vehicle due to these issues. Instead of processing the return, a representative advised that if the vehicle was kept, the identified issues would be repaired through XXXX. That representation directly influenced the decision to retain the vehicle and continue under the financing agreement. Following those instructions, service was scheduled through an approved repair facility. Due to appointment availability, the inspection occurred outside the XXXX day limited warranty period. Coverage was then denied, and responsibility for repairs was shifted entirely to the consumer. The companies involved are now refusing to honor the repair agreement that induced retention of the vehicle and continuation of the financing contract. Instead, the matter is being incorrectly categorized as wear and tear despite the defects being reported immediately after purchase. This complaint is being filed based on misrepresentation, reliance on promises made during the return period, and refusal to honor the agreement that prevented the vehicle from being returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 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: Chime Financial Inc
State: CA

Complaint narrative:
I am filing this complaint against Chime ( XXXX XXXX XXXX XXXX XXXX XXXX ) regarding their improper denial of XXXX fraud disputes totaling {$130.00}. Between XX/XX/XXXX and XX/XX/year>, my account was subjected to a coordinated fraud attack. Unauthorized charges were made through XXXX XXXX, XXXX XXXX XXXX, and XXXX by an unknown third party who gained access to my card information. Key facts Chime has ignored : XXXX. I own a XXXX XXXX and have no XXXX or XXXX account. I did not authorize any XXXX XXXX XXXX subscription or XXXX XXXX purchases. XXXX. My personal XXXX account shows XXXX transaction history. The XXXX transfers were made through a fraudulent XXXX account created using my email address and card number without my knowledge or consent. I have XXXX confirmation emails showing funds sent to individuals I do not know. XXXX. Most critically : after I cancelled my compromised debit card, XXXX charges of {$22.00} XXXX appeared on my XXXX replacement card on XX/XX/year>. I never provided my new card number to XXXX. This indicates the fraudsters exploited an account updater mechanism and Chime has failed to address how charges on a cancelled card number reached my new card. XXXX. XXXX large XXXX charges ( {$210.00}, {$210.00}, and {$22.00} ) were attempted on XX/XX/year> all declined further proving coordinated fraudulent activity. I submitted XXXX files of evidence with my re-dispute ( # XXXX and # XXXX ), including XXXX confirmation XXXX with transaction IDs ( XXXX and XXXX ), screenshots of all declined XXXX attempts XXXX and a detailed fraud timeline. Chime denied my claim without adequately explaining how they reached their conclusion or addressing the new card issue. I am requesting Chime reverse both dispute denials and reimburse the full {$130.00} in unauthorized charges. I have also filed reports with the FTC and IC3.gov. Dispute numbers : # XXXX and # XXXX Account holder : XXXX XXXX XXXX XXXX amount : {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Associated Credit Services, Inc.
State: IL

Complaint narrative:
I recently discovered an unauthorized collection account in the amount of {$850.00} allegedly associated with XXXX XXXX appearing on my credit file/account history. I have never opened, authorized, signed for, or knowingly used any account or service that would result in this debt. I do not recognize the account, the charges, or the collection activity. I believe my personal information may have been used fraudulently without my knowledge or consent. This account is not mine, and I am a victim of identity theft. I am requesting an investigation into this fraudulent activity and the removal of any inaccurate information related to this account from my records and credit reporting files. I did not benefit from or authorize this transaction or account in any way. I am submitting this report to document the identity theft and protect my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: LA

Complaint narrative:
I continue to get calls every day at all times. I have written them a cease and desist letter in which they have continued to ignore. I have no idea who this company is and what they are trying to collect for. I have never received any documentation on any debt from them. Just constant calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 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: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I canceled my XXXX account but on XX/XX/year> my card was charged {$38.00}. I then contacted Cashapp to demand my money back and they refused so I contacted you

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Someone from PayPal made a separate account under my name and bank account info but used a different email and phone number, no one else has access to my account but me. This happened on XX/XX/XXXX and they took {$7100.00} from my savings account. I called multiple people yesterday and no one was really helpful but someone that I messaged on the PayPal website said that someone opened up another account and gave me that email. Im not sure if anyone is XXXX XXXX help me because all they said was that they would put a pause under that other account and limit any transactions but no word on if Im getting my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I entered into a settlement/payment agreement with Capital One for my XXXX account ending in XXXX. Under this agreement, I was making monthly payments of approximately {$150.00}, and I successfully made several consecutive payments. At the time of the issue, I only had approximately two payments remaining ( around {$310.00} total ). The payment issue did not happen because I refused to pay or intentionally defaulted. The problem occurred because my XXXX XXXX account the external bank account being used for automatic payments was compromised/fraud-flagged and closed by XXXX XXXX. As part of that process, XXXX issued me a completely new bank account and debit card number. Because Capital One continued attempting to withdraw payments from the old closed XXXX account, one payment was returned as NSF/payment return. This happened solely because the original bank account no longer existed due to fraud/security actions taken by XXXX XXXX XXXX I immediately contacted Capital One to explain the situation and requested to simply update my payment method using my new XXXX account/card information so I could continue and complete the original settlement agreement. However, instead of allowing me to finish the agreement that I had nearly completed, Capital One cancelled/refused to honor the original settlement terms and began demanding substantially higher amounts, including the full balance. I believe this is unfair and unreasonable because : I had already completed most of the agreed settlement payments. I did not intentionally miss payments. The issue was caused by a fraud/security-related bank account closure outside of my control. I made good-faith efforts to immediately resume payments with updated banking information. Capital One refused to work with me despite my willingness to complete the settlement. The new payment options being offered are significantly worse and financially unreasonable compared to the original agreement that I had nearly fulfilled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
I have purchased a vehicle through a dealer ship an got a loan through credit acceptance for roughly about XXXX for a XXXX XXXX XXXX that has had issues since the day I bought it the day I drove it home it has had alternator issues, coolant, tire, oil an a leak an now the transmission doesnt work

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 2026-05-12 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I am filing a complaint regarding a dispute resolution handled by Synchrony Pay Later involving a defective printer purchased through a third-party merchant. The printer ( bought on XX/XX/2025 in the amount of {$3900.00} ) was defective during initial setup and use. I spent several weeks working with technical support through multiple lengthy troubleshooting sessions in an attempt to resolve the issue before returning the product. Despite extensive troubleshooting, the printer never functioned properly. The merchant then instructed or accepted the return of the printer. However, after receiving the returned product, the merchant claimed the printer was used because ink had been installed and only issued a partial refund. I did remove and also cleaned every pipe and ink containers to make sure, nothing can 'clog up ' as to their instructions. This argument is unreasonable because installing ink is a required part of printer setup and is necessary to determine whether the printer functions properly. A consumer can not reasonably test a printer without completing the required initialization process. The printer was used but was never fully functional because the printhead was defective. Additionally, before I returned the printer, the merchant threatened that returning it would become very expensive because of restocking fees, return shipping costs and the fact that they can not sell the printer as new anymore, which I believe was an attempt to discourage a legitimate warranty return. I provided Synchrony with documentation supporting my claim, including records of troubleshooting efforts and return information. However, Synchrony closed the dispute and stated that the merchant had provided more proof, without explaining : what evidence the merchant submitted, what policy justified denying the remaining refund, or why a defective printer tested during setup should be considered unacceptable used merchandise. I am requesting : A full investigation into the dispute handling process Copies of all documentation and evidence submitted by the merchant A detailed explanation of the basis for denying the remaining refund Reconsideration of the dispute and reimbursement of the remaining balance related to the defective printer I acted in good faith throughout this process, spent weeks attempting to resolve the defect through technical support, and returned the product after those efforts failed.

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 2026-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Rapid Mortgage Company
State: OH

Complaint narrative:
I contacted rapid mortgage and completed and application online in XX/XX/year> and was assigned to the XXXX XXXX. i was given the loan terms and the fees associated with the loan I was sent three different term sheets with the origination fees and the pre-payment years on the loan. the term sheet had options for a 1 year prepayment penalty, a 3 year pre-payment penalty and a 5 year pre payment penalty. I choose to go with the 3 year pre payment penalty and notified the lender of my choice. Once it came close tot he closing date the lender XXXX XXXX advised me that the loan was going to have a four year pre-payment penalty. I advised XXXX XXXX that is not what I agreed too. XXXX XXXX agreed to pay to buy it down to the 3year option at her expense. As it got closer to closing time. I receive a XXXX from XXXX XXXX assistant XXXX XXXX with an increase of XXXX on the origination fee. when questioned about this XXXX XXXX adjusted the origination fee back to the original amount. I received several different closing statements from the title company with different numbers. The numbers were always increasing as I believe XXXX XXXX was committing fraud against me in the mortgage transaction by increasing her fees outside of the original agreement. please review all documents attached.

Company response to consumer: Untimely response
Consumer complaint received 2026-05-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Was grossly overcharged for a taxi ride, when they couldn't refund, police were called and the people involved with this fraud were arrested. I submitted a copy of the sworn statement provided to the police to Bank of America, but they have closed the dispute claiming the correct amount was charged.

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 2026-05-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: AR

Complaint narrative:
When researching the loan I called credit fresh and spoke with a representative about the loan and they explained that the charges per payment would be XXXX + the loan repayment .. it was that conversation that convenience me the loan was a reasonable loan to get. Once I got the loan the terms changed and I am being charged XXXX in fees and only XXXX of a XXXX payment is being applied to my principal balance.im paying XXXX per month. Ive never been late on a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NC

Complaint narrative:
Upon moving out of my apartment, the leasing office informed me that I would be contacted for a walkthrough. However, I did not receive any such communication. XXXX months later, I received a bill in the mail with a charge for carpet replacement. I promptly contacted the leasing office to inquire about the charge. The leasing office informed me that the carpet in XXXX of bedrooms were damaged, and that I would be responsible for replacing both carpets in both bedrooms. I provided them with proof that the carpet was not damaged and video evidence to support my claim. XXXX of their associates assured me that they did not care about the impact on my credit and that they would proceed with the charge regardless. I questioned why I was being charged for both carpets when they claimed only XXXX was damaged and that this was not mentioned in my lease agreement. I then sent them a certified letter disputing the charge, which they had given me XXXX days to do so. However, XXXX of their associates disregarded my dispute and insisted that they would proceed with the charge and add it to my credit. The debt was added to my credit report before the XXXX days expired. I then contacted the debt collector and provided them with the same information, and I was informed that they worked for the company and were not removing the debt. The debt collector harassed me constantly by calling me and sending me letters to pay off the debt even when I told him to stop contacting me. I was even humiliated and cursed out by XXXX of the representatives. They were very unprofessional. I have since then requested that they provide proof and evidence that I owned the debt instead. They continue to mail me the receipt from the complex that does not provide proof that what the complex is saying is true. I also have email evidence that XXXX of the companys associates told me different things. I also told the debt collector that I could provide them with proof that this was a fraudulent transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/year> IQ Data International Inc XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Account Number : [ Account Number ] To Whom It May Concern : I am responding to your contact regarding the alleged debt referenced above. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g, I request validation of this debt. Please provide the following : The name and address of the original creditor The amount of the alleged debt, including an itemization of fees, interest, or other charges Copies of any documents bearing my signature showing I agreed to this debt Proof that your company is authorized to collect on this debt Proof that the debt is within the applicable statute of limitations Until you provide proper validation, I dispute this debt and request that you cease collection activities and refrain from reporting this account to credit reporting agencies. This letter is not an acknowledgment or acceptance of liability for the alleged debt. Please communicate with me in writing only. Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation