vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute specific items on my credit report that are inaccurate, incomplete, or misleading. Under the Fair Credit Reporting Act ( FRA ), 15 U.S.C. 1681 et seq., you are required to conduct a reasonable reinvestigation within XXXX days of receiving this dispute and to correct or delete any information that can not be verified. Below are the items I dispute. For each item, I request immediate verification including the name of the furnisher, the source documents relied upon, the full payment history, and a legible copy of any contract or assignment or immediate deletion if verification can not be produced. XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX account number XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Verification required : For each disputed item, provide full, contemporaneous documentation proving the accuracy of the reported information, including but not limited to : original signed contract ( or assignment ), itemized payment history, chain of title or assignment documentation, account opening date, date of last activity, date and amount of charge-off, and any supporting notes. ( See FCRA 611 ; 623. ) 2. Source identification : Identify the specific data source ( s ) and data furnisher ( s ) you relied upon to report each item, and provide contact information for each furnisher. XXXX. Removal if unverifiable : If you can not verify any disputed item in full, you must delete that item from my credit file immediately. Partial verification ( e.g., lacking full chain of title or lacking original contract ) is insufficient ; items must be removed if verification is incomplete or unreliable. XXXX. Notification of corrections : If any item is corrected or removed, notify me in writing and provide a corrected copy of my credit report. Additionally, notify all recipients who received my credit file in the past XXXX months of the correction or deletion, as required by law. XXXX. Records of investigation : Provide a written statement describing the results of your reinvestigation and a copy of all documents or information you used as the basis for your conclusions. Legal Notice of Remedies Please be advised that failure to comply with the statutory requirements of the FCRA may expose your agency and any furnisher to civil liability under 15 U.S.C. 1681n & 1681o ( willful and negligent noncompliance ), and may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

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 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I was presented with an offer in the PayPal app of XXXX PayPal Rewards Points for applying for the PayPal XXXX XXXX and being approved. I applied and was approved. Shortly thereafter, the offer disappeared from my PayPal XXXX XXXX. I contacted XXXX XXXX ( the issuer of the PayPal XXXX XXXX ), who informed me that XXXX does not handle the issuing of rewards for that promotion. I then contacted PayPal Rewards support, who refused to honor the terms of the offer and directed me to XXXX XXXX. They claim that because PayPal XXXX XXXX is issued by XXXX XXXX, XXXX would handle the rewards through their own rewards program. However, as the signup bonus is issued in PayPal Rewards Points ( not XXXX cash back rewards ), it is PayPal 's responsibility to issue this particular signup reward. The terms of the offer are at this XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces-was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused XXXX similachvenience and 56 financial loss, and I seek appropriate

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 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: OH

Complaint narrative:
On XX/XX/year>, my debit card ending in XXXX, used to make automatic payments with XXXX XXXX, was closed by the bank due to fraud. A new debit card was issued and arrived via XXXX on XX/XX/year>, ending in XXXX. On XX/XX/year>, I stopped automatic payments with XXXX XXXX, using card XXXX as payment and started automatic payments again with card XXXX, with payments scheduled for the XXXX of every month. On the same day, XXXX emailed confirmation that a payment was scheduled for XX/XX/year>. On XX/XX/year>, while looking at recent transactions in my checking account, I noticed no payment had been made that month to XXXX or the month before. During the time a withdraw would have been taken from my checking account in XXXX, my checking account balance was over {$3000.00}, and in XXXX, over {$2000.00}. I checked my old email account and saw in XXXX and XXXX, XXXX was still attempting to use my old card XXXX to withdraw payment. Immediately, I cancelled the automatic payments so I could make a payment, then started automatic payments again with the same card ending in XXXX. I called XXXX and was ran in circles with no resolution or explanation. I asked for information to dispute late payment was accurate. I submitted a dispute, and XXXX disagreed.

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 2026-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
I have held a Forever 21 XXXX card issued by Comenity Capital Bank since XXXX and have otherwise maintained a strong payment history. A single late payment was reported that does not reflect my overall credit behavior, as all payments before and after were made within the XXXX reporting window and the account has remained in good standing. On XX/XX/XXXX, I enrolled in a XXXX-month hardship program offered by Comenity and successfully completed the program. During enrollment, the representative assisting me stated that successful completion would address or result in removal of the derogatory remark related to this isolated late payment. I was also advised that I could submit a request after XXXX successful payments or once the program was completed. Following this guidance, I submitted my XXXX request in XX/XX/XXXX after making XXXX successful payments. My goodwill requests were denied on XX/XX/XXXX and XX/XX/XXXX. I also requested escalation to a supervisor or credit reporting XXXX, but XXXX classified my request as a duplicate and closed the matter without further review. I am not disputing the account itself. I am requesting a fair review of my goodwill request, consideration of the hardship program completion, and a one-time courtesy adjustment to remove the late payment from reporting with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I am filing a complaint regarding a fraud-related transfer involving my XXXX account. A {$370.00} transfer from XXXX XXXX XXXX XXXX account was made after I was contacted by an individual through XXXX regarding the sale of personal items. The individual directed me to a website imitating the sale authentication process, and had required a card with a balance over {$500.00} to demonstrate legitimacy. My other credit cards were declined, so I used my XXXX debit card to complete the process. My XXXX balance, which was over {$530.00} at the time after the transfer, was subsequently depleted by a {$530.00} scam transaction. XXXX denied my dispute multiple times and later froze my account after my bank issued a provisional credit. XXXX of events : XXXX. XX/XX/year> I transferred {$370.00} from XXXX XXXX XXXX XXXX account to my XXXX account. My XXXX balance was now totaled over {$530.00}. XXXX. XX/XX/year> XXXX XXXX account was charged {$530.00} due to a scam transaction. I immediately contacted customer support requesting to file a dispute and cancel the payment due to scam, but was told that I needed to wait till after the charge was no longer pending. XXXX. XX/XX/year> The scam charge went through. I officially filed a dispute with XXXX. The dispute was later denied on XX/XX/year> and on XX/XX/year> after requesting reconsideration and providing more evidence. XXXX. XX/XX/year> I filed a fraud claim with XXXX XXXXXXXX XXXX regarding the {$370.00} transfer, explaining that it was made under fraudulent circumstances. XXXX. XX/XX/year> XXXX XXXX XXXXXXXX issued a provisional credit of {$370.00} while their investigation is still pending. XXXX. XX/XX/year> Following the provisional credit, XXXX disputes attempted to debit {$370.00} from my XXXX account. They withdrew {$160.00} ( the remaining balance in my XXXX account ) and froze my account, stating that I now owe {$200.00}. XXXX. My XXXX account remains frozen while XXXX XXXX XXXXXXXX fraud investigation is ongoing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
formally disputed this account with all three credit bureaus. Despite my dispute, the account was marked as verified. However, I was never provided with any documentary evidence showing how this debt was verified. Under the Fair Credit Reporting Act ( FCRA 611 ) and the Fair Debt Collection Practices Act ( FDCPA 809 ), I am entitled to a reasonable investigation and proper validation of any alleged debt. To date, Fair Collections & O has failed to provide : A copy of the original signed lease agreement bearing my signature A complete payment ledger showing how the {$22000.00} balance was calculated An itemized statement of damages or charges Documentation proving they are legally assigned or own this debt The date of first delinquency Proof of licensing to collect in my state Simply verifying electronically through the e-Oscar system without reviewing actual documentation does not constitute a reasonable investigation under federal law. The balance amount is substantial, and reporting such a large debt without producing documentation is negligent and harmful to my credit standing. If Fair Collections & O can not provide competent documentary evidence supporting this debt, I demand : 1. Immediate deletion of this account from all credit bureaus 2. Written confirmation of deletion 3. Cessation of further reporting of this account

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 2026-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capital Collection Management LLC
State: TX

Complaint narrative:
This company kept sending emails to my account about a debt I supposedly owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
am filing a complaint against Synchrony Bank and a merchant named XXXX XXXX for unfair and deceptive billing practices, improper interest charges, and inaccurate credit reporting. I purchased a machine from XXXX XXXX using Synchrony Bank financing for approximately {$4500.00}. The agreement was that I would make payments during the first year under a 0 % APR promotional financing plan. I made payments during the first year in accordance with that agreement. After the promotional period, XXXX XXXX and/or Synchrony added an additional charge of approximately {$1000.00}, claiming that I did not pay the machine in full. They then retroactively charged interest for the entire promotional period and continued charging interest for additional months. These charges were not clearly disclosed to me at the time of purchase and were not part of what I agreed to when I financed the transaction. Because of these unexpected and excessive charges, the balance became inflated and unaffordable. The account was eventually reported as a charge-off, which severely damaged my credit. I stopped paying because the charges were not legitimate and were far beyond the agreed terms. Additionally, after we reached a settlement agreement regarding the balance, Synchrony and/or XXXX XXXX XXXX XXXX settlement terms after the agreement was made. The terms that were agreed upon were not honored, and the settlement was altered without my consent. This is misleading and unfair. I believe these actions are unfair, deceptive, and potentially violate consumer protection laws governing promotional financing disclosures and settlement agreements. I request that the CFPB investigate Synchrony Bank and XXXX XXXX, correct or remove the inaccurate credit reporting, and adjust the account balance to reflect only the legitimate amount owed under the original agreement.

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 2026-02-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
I want to file a complaint against Synchrony bank and XXXX XXXX XXXX for fraudulent dishonest and unfair business practices. Synchrony bank misrepresented the debt, sold to collection agency, and reported an inaccurate credit card amount of debt from XXXX XXXX Synchrony bank Account # XXXX synchrony bank over charges an excessive late fee and interest charges. Which is Violation of Fair Debt Collection Practices Act. The charging of the account and their statement of debt are very confusing, that is why I attached all their billing statements. and charge off debt sold to collection agency, in the past XXXX years the XXXX XXXX XXXX keep calling my phone for almost every day with too many different phone number I have all the record starting XXXX to present and I can request it to my Phone Carrier, Portfolio recovery continued pursuing that debt even though its not accurate and continued reporting to the credit bureau for the past XXXX years resulting negative impact to my credit report this issue was previously disputed to the credit bureau but portfolio insist that the debt is accurate although the synchrony made a false report but nothing happen because the XXXX recovery insisting that the debt sold to them by synchrony bank is accurate that is why I demand the accuracy and I found the billing statement that they continued charging me for over XXXX months period this wrong amount of debt added to my stress because you cant negotiate and ask for accuracy of debt from portfolio recovery associates to correct what the synchrony bank submitted to them, the amount of debt is total false even though it is not the right amount of debt. If there is anything you can do, I will appreciate it. Only the CFPB and the only government agency on which I can lean on.

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 2026-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
The account was closed and charged off. I was nit a ware, so I requested a copy of XXXX. The bank never provided my the XXXX. I stated getting letter from XXXX XXXX collection company who I have no contract agreement with. I request debit validation but I never received any thing.

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 2026-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: PA

Complaint narrative:
XX/XX/year>, I was scammed for {$200.00} they said an investigation would be done and I would be contacted. That never happened nor did I get my monies back

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
The XXXX ATM I used is located at a XXXX @ ( XXXX XXXX at, XXXX XXXX, CA XXXX ) I went inside around XXXX on a Sunday morning XX/XX/XXXX and attempted to pull out XXXX $ using my cash app card. Everything was working fine, I had put my card in and selected withdraw and then put my pin in. After it said it was processing a sudden error message came onto the screen saying that the atm was out of order, and no money had come out so I asked the guy up front and he said he did not know what was wrong. When I went to check my cash app account it said that the transaction had went through but I didnt receive any money so I called cash app support and reported the issue. I asked the guy if there was a number for the atm support and he said to call XXXX support so I did. The guy said that they do not dispute transactions and that I would have to contact the card issuer which is cash app. I DID NOT receive ANY money out of this atm and it was taken out of my account! The guy working said that it has happened before.. They need to have that atm removed as this is very inconvenient. I recently received an email stating that my claim was denied because they think that I received my funds from the ATM...

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXX, my phone was stolen by an XXXX driver. While the phone was in the possession of the thief, unauthorized XXXX XXXX transactions totaling {$1100.00} were made from my Navy Federal account. I immediately reported the fraud to Navy Federal and filed a dispute. The credit union issued a provisional credit during the investigation. However, after completing their investigation, they reversed the {$1100.00} credit and withdrew the funds from my account. I did not authorize these transactions. My phone had been stolen at the time the transfers occurred. Navy Federal has not provided sufficient documentation showing that I authorized the transactions or explaining the basis for their denial. Under Regulation E and the Electronic Fund Transfer Act, I am entitled to reimbursement for unauthorized electronic transfers and a reasonable investigation. I am requesting that Navy Federal return the {$1100.00} and provide documentation supporting their determination.

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 2026-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Between XXXX and XXXX, my checking accounts have been repeatedly closed by multiple banks, often within one day of opening, with no specific explanation other than a business decision. The closures appear to be related to two prior incidents : 1. A fraudulent check was deposited into my account without my knowledge. As soon as I learned it was fraudulent, I reported it and filed a police report. I did not knowingly deposit a fraudulent item. 2. I received a XXXX transfer on behalf of a friend. The sender later reported the transaction as fraud, which resulted in account action against me. I did not engage in fraud or knowingly participate in fraudulent activity. Since those incidents, I have been unable to maintain a banking relationship. Accounts are being automatically closed shortly after opening, suggesting I may have been incorrectly classified in a fraud reporting system such as XXXX XXXX XXXX or XXXX. I am requesting : The specific reason for my account closure Confirmation of whether I have been reported to any consumer reporting agency or fraud database Verification of the accuracy of any reporting Correction or removal of any inaccurate fraud designation These repeated closures have caused significant hardship and limited my access to basic banking services. I am requesting a fair review and correction of any inaccurate reporting.

Company response to consumer: Closed with explanation