vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 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
State: TX

Complaint narrative:
REFERENCE ID XXXX XXXX XXXX I am the owner of XXXX XXXX Paypal is my processor . Paypal has restricted my XXXX XXXXXXXX business. This volume of XXXX XXXX was generated in less than 90 days, clearly representing a period of rapid, successful growth for my business. I have managed this high volume with a dispute rate of LESS than 1 %, proving that my fulfillment and customer service processes are robust and reliable even at scale. This rapid engaging is due to my high engagement marketing on XXXX, where Influencers have LOVED the product I provide along with the personal messages and drawings I do on each and every box. It is something very different from typical dropshipping. I am a real live person who can make a person feel seen and adored. I Do Not XXXX, XXXX comes to my door or I go to theirs! I am in a loop of demands that I have provided instantly. I have supplied all legal business documents, I have shown countless reports of shipping documents along with proof of delivery. I have provided invoices from my liquidation sourcing AND I have now done this several times each time more is demanded. PayPal is not allowing me any access to the almost {$13000.00} I currently have in my account which is proving to be a complete stranglehold to my small business as I do not have funds to provide shipping any more. I have spoke to a live agent on XXXX occasions who have all stated that my account looked " great '' that I was " not a high risk business '', that my dispute rate was " definitely far below threshold considering volume '', that I was " growing exactly how they hope to see businesses grow '' and that I was doing an " excellent job '' and should " see the account status change within three days but really it would be more like within 24hrs ''. Not at all true. Despite my continuous efforts to resolve an endless cycle of demands, my PayPal assistant chats that lead to another agent I am getting nowhere and my business is in grave danger due to this lapse of progress in this manual review they claim is happening. Ive been without funds yet they steadily are allowing more money in. Making my shipments even more impossible. I have placed a sold out on my website to stop all orders. They are receiving quite a bit of money from the fees of processing my customers cards especially given the fact that only a small majority are actual PayPal customers,. I was now told that it would be NEXT WEDNESDAY before a status update and that will not be acceptable! My business is being ripped apart on SOCIAL MEDIA DUE TO THE LACK OF URGENCY shown by PayPal and its employees. I am a woman owned and operated business and I have worked my self into the ground to build this company I own and operate and I refuse to let this kind of financial bullying shut me down. It is unfair and should be illegal!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Central Research Inc
State: CA

Complaint narrative:
I am submitting a follow-up complaint regarding Central Research , Inc. ( CRI ) and the servicing of my federal student loan. This complaint is in response to CRIs recent reply to my prior CFPB complaint, which I believe is incomplete, unsupported, and non-compliant with servicing obligations. Summary of the Situation : CRI previously acknowledged that my repayment plan was incorrectly configured during the transfer of my loans from XXXX, resulting in a miscalculated monthly payment. They unilaterally corrected this error and increased my monthly payment from {$140.00} to {$380.00}. In response to my initial CFPB complaint, CRI stated that : No additional interest or increase was assessed as a result of this correction. However, they did not provide any documentation or analysis to support this claim. ________________________________________ Key Issues with CRIs Response 1. Unsupported Assertion Regarding Interest CRI claims that no additional interest accrued due to their servicing error, yet : They did not provide pre- and post-correction amortization schedules They did not provide a calculation demonstrating how this conclusion was reached The table included in their response ( listing balances and payment amounts ) does not substantiate their claim Without supporting documentation, this statement is unverifiable and insufficient. ________________________________________ 2. Failure to Provide Requested Documentation I explicitly requested : A detailed breakdown of the recalculation of my payment Documentation supporting the correction A full accounting of any financial impact ( including interest ) CRI has not provided this information. ________________________________________ 3. Refusal to Communicate in Writing When I followed up to request clarification and documentation, CRI : Refused to provide further details in writing Directed me to call I have clearly requested written communication to maintain accurate records. CRIs refusal to provide written responses prevents transparency and undermines my ability to verify the accuracy of their claims. ________________________________________ Why This Is a Problem CRI has acknowledged a servicing error, yet has not demonstrated that my account was properly corrected They have made unsupported claims regarding the absence of financial harm They are refusing to provide written documentation or explanation, despite repeated requests This leaves me in a position where : My monthly payment has significantly increased I have no verifiable evidence that I was not financially harmed I am unable to obtain proper documentation from the servicer

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems , LLC is attempting to collect a debt of {$570.00} that the original creditor ( XXXX XXXX has formally admitted does not exist. This constitutes a willful violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Facts and Timeline : XX/XX/XXXX : In a formal response to an FCC complaint ( Case # XXXX ), the original creditors XXXX XXXX explicitly stated : " XXXX advises there is no balance on the account reflecting any amount of {$570.00}. '' This is a verified admission to a federal regulator that the debt being collected is a phantom. XX/XX/XXXX : An XXXX from the original creditor ( XXXX ) admitted via email that the final payment for this account was received on XX/XX/XXXX. Despite this, the creditor is reporting a " Date of First Delinquency '' of XX/XX/XXXX. This is an attempt to " re-age '' the debt to illegally extend the seven-year reporting window under the FCRA. XX/XX/XXXX : The live account dashboard for the original creditor shows a credit balance of - {$150.00}, indicating the company owes a refund to the consumer. This directly contradicts the collection attempt for {$570.00}. Equipment Verification : Automated systems continue to demand equipment returns despite a technician physically retrieving all hardware on XX/XX/XXXX, as confirmed in the creditor 's own correspondence. Actions Taken : The original creditor has been provided with their own contradictory records, including the XX/XX/XXXX admission of a {$0.00} balance and the XX/XX/XXXX confession of the XXXX payment date. Jefferson Capital has failed to cease collection efforts or correct the inaccurate reporting despite these XXXX admissions. Resolution Requested : Immediate cessation of all collection activity by Jefferson Capital Systems , LLC, permanent deletion of the inaccurate trade line from all credit reporting agencies, and reconciliation of the refund balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
I am filing this complaint regarding repeated unauthorized and fraudulent rent charges that were processed through the merchant XXXX. On XX/XX/XXXX, I disputed three specific transactions totaling over {$2100.00} : {$1000.00} on XX/XX/XXXX, {$48.00} on XX/XX/XXXX, and {$1100.00} on XX/XX/XXXX. My dispute ( # XXXX ) was improperly denied on XX/XX/XXXX, even though I submitted supporting documentation on multiple dates ( XX/XX/XXXX, XXXX, and XXXX ). These charges do not match my actual rent obligations, were not properly authorized, and continued despite my objections. The denials appear to ignore the evidence I provided, and the merchant name XXXX raises additional concerns about possible billing errors or deceptive practices. This has caused me significant financial harm. I request that the CFPB investigate these unauthorized charges, the improper denial of my dispute, and any violations of consumer protection laws, and help me recover the disputed amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a victim of identity theft and submitted a complete identity theft block request to XXXX, including my FTC Identity Theft Report, government-issued ID, proof of Social Security Number, and proof of address. Despite meeting all requirements under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), XXXX has failed to block and remove fraudulent accounts within the required four ( 4 ) business days. The following accounts are fraudulent and were not opened or authorized by me : XXXX XXXXXXXX XXXX XXXX XXXX account ( opened XX/XX/year> ) XXXX XXXX XXXX XXXXXXXX XXXX ( opened XX/XX/year> XXXX XXXX Associated collection accounts, including XXXX XXXX XXXXXXXX XXXX Any additional accounts opened fraudulently during this timeframe These accounts are the result of identity theft and do not belong to me. Under federal law, a valid FTC Identity Theft Report satisfies all requirements. A police report is NOT required. XXXX failure to block this information is a violation of federal law. I request immediate blocking and removal of all fraudulent accounts and written confirmation of compliance. I reserve all rights under the Fair Credit Reporting Act.

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 2026-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
I used the credit karma app to play around with some mortgage refi numbers just to see what is out there. Long story short a guy named XXXX reaches out from credit karma. I give him my complete run down and what my expectations are. Based on the financial info I gave him verbally he told me I would qualify for the loan individually without adding my fianc as a co-borrower even though I said she might be willing but was u sure. I have been through this process before with my own broker so it seemed odd he was able to do it without her. Regardless he reassured me multiple times it would be fine. After 3 weeks of submitting the paper work and pdf 's reinforcing what we already talked about and paying the XXXX dollar app fee their underwriting denies the loan because my debt to income ratio was shy by {$1000.00} a month. So now they will not refund the money although the salesman manipulated me into moving forward in bad faith knowing my full financial situation would not be accepted. This is no different then predatory lending. They say anything they can to get you to pay the application fee and move forward then the sales guy passes you off and repeats the process. I can only imagine how many people they have given the false sense of security to just to collect the {$500.00} dollar fee that they are now claiming is non refundable. I read somewhere on the app that the fee would be refunded provided it was an error or denial based on a mistake by them. We'll this is 100 % there misleading, manipulative salesmen. I have spoke to his manager and told him exactly the terms of the refund which he said was still non refundable. But he will escalate it up the ladder to his supervisor. I dont want any more people to be taken advantage of in financial hard times such as we are going through right now. Its disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Not mine called to ask about sending me the rite info they dont have it asked for signature and who was the original creditor and how they got my information and all

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: VA

Complaint narrative:
XXXX XXXX is collecting an alleged debt of {$2200.00} on behalf of original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX following my move-out in XX/XX/XXXX after a XXXX tenancy. The reported balance of {$2200.00} does not match the original creditor 's own statement of account dated XX/XX/XXXX, which shows {$2100.00} a {$30.00} discrepancy that corresponds to no point in the payment history. The underlying charges are also legally defective : a {$500.00} painting charge after a XXXX tenancy is normal wear and tear prohibited under XXXX law XXXX and a {$2000.00} flooring charge contradicts the landlord 's own General Manager 's written promise to apply depreciation and is unsupported by the actual contractor invoice, which shows a replacement cost of {$6300.00} with no depreciation applied. On XX/XX/XXXX, I sent Hunter Warfield a formal written debt validation demand via USPS Certified Mail addressed to XXXX XXXX, XXXX, their designated Ethics and Compliance Contact. The green card was returned signed, confirming delivery on XX/XX/XXXX. As of XX/XX/XXXX 38 days later Hunter Warfield has not responded, has not provided any validation, and has not ceased collection activity as required by 15 U.S.C. 1692g ( b ). During this same period, Hunter Warfield responded to a XXXX bureau dispute by verifying the debt as valid while simultaneously ignoring my written validation demand. The bureau dispute was subsequently denied. Hunter Warfield communicated credit information to XXXX while knowing the debt was disputed, without disclosing the dispute, in violation of 15 U.S.C. 1692e ( 8 ). This same collection account appears on the XXXX report of a co-tenant who vacated the same unit on the same date. A separate complaint is being filed on her behalf. I am requesting that Hunter Warfield be directed to delete this tradeline from both consumers ' credit reports at all three major bureaus XXXX XXXX and XXXX and confirm in writing that collection activity on this account has permanently ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
CREDENCE 3rd party trying to collect off a debt that is originally XXXX XXXX XXXX. Without my consent to have my personal data. Also I have reason to believe debt have been charged off through Bankruptcy, and through IRS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
Jefferson Capital is reporting on my credit report as a debt collector. I have mailed them asking for proof of ownership in XX/XX/year>, and have not received anything in the mail. I have disputed this on all three credit reports, and it still comes up as valid. I have no clue what this debt is for. I went on the website to inquire about the debt ; however, it directs me to contact XXXX XXXX XXXX Jefferson Capital is reporting on a debt I have no clue about, and it seems not to have in its portfolio.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: CT

Complaint narrative:
I am filing a complaint regarding unauthorized transactions on my Cash App Card resulting from my card being lost and my account being compromised. I previously reported fraudulent activity and some transactions were investigated and refunded. However, additional unauthorized charges from the same incident were not included in the original claim. I have since submitted disputes for these transactions individually, but I am concerned about delays and incomplete handling of my case. The unauthorized transactions show a clear pattern of fraudulent activity from merchants that I do not recognize and have never done business with. These include : - XXXX {$42.00} - XXXX XXXX XXXX {$51.00} - XXXX XXXX XXXX {$100.00} and {$150.00} XXXX XXXX XXXX XXXX XXXX {$110.00} and {$45.00} XXXX XXXX XXXX {$150.00} These charges total approximately {$670.00} and all occurred within a short timeframe after my Cash App Card was lost and compromised. I did not authorize any of these transactions, did not receive any goods or services, and had no prior relationship with these merchants. The merchant names appear suspicious and follow the same pattern as other fraudulent charges that were already refunded on my account. Under Regulation E, I am requesting that all unauthorized debit card transactions be properly investigated and that I receive full reimbursement for any confirmed fraudulent charges. I reported this issue promptly and took steps to secure my account. I am requesting that Cash App : XXXX. Conduct a full and proper investigation into all listed unauthorized transactions XXXX. Link all disputes to the same fraud incident XXXX. Provide full reimbursement for all unauthorized charges XXXX. Ensure my account is fully secured from further unauthorized activity I am seeking a fair and timely resolution to recover the remaining funds taken from my account without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAVALRY INVESTMENTS, LLC
State: MI

Complaint narrative:
On multiple occasions I have had credit lines on of which ( XXXX XXXX ) a deceased family member opened in my name without my knowledge of what it is and permission In both case one of which is my own fault the payments were not made and then without my permission yet again these debt collectors sold my information to a third party debt collectors with out my knowledge how or permission

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Payment process
Company: Solar Mosaic LLC
State: CA

Complaint narrative:
I am submitting an update to my existing complaint regarding this account. Since my original complaint, the situation has escalated significantly and remains unresolved. Key issues : I submitted a formal dispute on XX/XX/year>, and a follow-up on XX/XX/year>. I was advised I would receive a response within 14 days. I have received no response to date. I sent an additional written notice on XX/XX/year>, again requesting clarification and documentation. No response has been provided. Since that time : Autopay has not processed for multiple billing cycles despite no changes made by me. I have not received any account statements, payment reminders, or delinquency notices. I attempted to access my account online and was informed that my account is not authorized for access. Despite these issues, the account has now been reported as 6089 days late. This account is currently marked as disputed, yet the servicer continues to report escalating delinquency while failing to respond to my dispute or provide any means for me to manage or make payments on the account. Additionally, this loan is tied to a solar system that has been disputed due to installation issues, misrepresentation during the sales process, and ongoing unresolved defects. These issues involve multiple parties, including XXXX ( originating sales entity ) and XXXX XXXX ( installer ), further complicating the matter. At this point, the reported delinquency appears to be the result of servicer failure, including lack of communication, failure to process payments, and restricted account access, rather than borrower nonpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Happy Money, Inc.
State: OK

Complaint narrative:
I am writing to address an account being reported on my credit report for which I requested debt validation. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and requested proper verification of the alleged debt. However, I have not received sufficient documentation to confirm that this debt is mine, that the amount is accurate, or that the collector has the legal authority to collect. Despite the lack of proper validation, the account continues to be reported on my credit file, which is negatively impacting my credit. I am requesting a full investigation. Any information that can not be properly verified must be removed.

Company response to consumer: Closed with explanation