vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Have told them to stop contacting me on numerous occasions. Still receive calls, texts and emails. XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS 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 2026-02-05 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: NC

Complaint narrative:
I am disputing multiple debits PayPal applied to my account labeled as duplicate credits. 

These debits relate to disputes that were closed in my favor, where PayPal issued refunds and marked the cases as resolved. I did not receive duplicate refunds. I received one refund per case, issued by PayPal after a favorable ruling. 

Months after the cases were closed, PayPal debited my account anyway without reopening the disputes, providing a transaction trace, or showing proof of duplicate credits. 

When I attempt to contact PayPal for clarification, in-app assistance fails to load and prevents resolution. 

I am requesting either : 1. Reversal of the post-closure debits, or 2. A full transaction trace for each case showing the original credit, refund, and justification for the debit. 

I am XXXX XXXX XXXX, recently laid off, and am attempting to resolve this in good faith. I am requesting correction or formal explanation of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint regarding Cash App ( Block, Inc. ) for the unexplained closure of my account and the indefinite restriction of my Social Security number without explanation, notice, or due process. 

My name is XXXX XXXX. My Cash App account ( XXXX XXXXXXXX ) was closed abruptly. Cash App has refused to provide any reason for the closure, stating only that they are unable to disclose the basis for their decision. I have not violated Cash Apps Terms of Service, engaged in fraudulent activity, overdrafted my account, or received any warnings prior to this action.

More concerning, Cash App has effectively blocked my Social Security number, preventing me from opening or using an account. This has caused significant hardship, as Cash App is an essential financial service for me. I have repeatedly requested clarification and a compliance-level review and have been denied transparency or meaningful review.

I am not requesting that Cash App disclose proprietary fraud-detection methods. I am requesting basic due process : confirmation of whether any actual violation occurred, whether the action was automated or manual, and reinstatement of my account and removal of the SSN restriction if no violation is substantiated.

Cash Apps refusal to provide any explanation or appeal process, while maintaining an indefinite SSN-based restriction, raises serious concerns regarding fairness, consumer rights, and regulatory compliance. 

I am requesting the following resolution : 1. A full compliance review of my account 2. Written confirmation of whether any Terms of Service violation occurred 3. Reinstatement of my Cash App account if no violation is found 4. Removal of any restriction associated with my Social Security number Account details : Name : XXXX XXXX Cash App Username : XXXX XXXXXXXX Email : XXXX Last four digits of SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year>, I paid the bill using my Bank of America credit card. I was wrongfully charged for duplicate items. I retained the itemized receipt, which I uploaded to Bank of America during the dispute process. 

On XXXX, 2026, upon reviewing the receipt and found the discrepancy, I immediately spoke with the restaurant manager. The manager acknowledged the mistake and stated that XXXX shrimp charges would be refunded. No refund was ever processed. 

I then filed a billing dispute with Bank of America, selecting incorrect/duplicate charge as the reason, and uploaded the receipt as supporting documentation. 

Despite this, Bank of America later closed the dispute stating that no receipt was provided, which is factually incorrect. I did provide the receipt, and it was successfully uploaded through their system. 

No further clarification or request for additional documentation was made before the case was closed. As a result, the dispute was denied without proper review of the evidence I submitted. 

I am filing this complaint because : 1. The merchant acknowledged an overcharge and promised a refund that was never issued.

2. Bank of America closed the dispute claiming missing documentation that was already provided.

3. I was denied a fair dispute investigation despite submitting valid proof. 

I am requesting that this matter be properly reviewed and that the incorrect charges be reversed.

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 monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt you are attempting to collect in relation to an apartment account associated with my name. 

I do not believe this debt is accurate or owed. Please consider this letter as my request for full verification of the debt, including but not limited to : - A detailed itemization of all charges claimed - A copy of the signed lease or agreement bearing my signature - Documentation showing how the final balance was calculated - Proof that you have the legal authority to collect this debt Until such verification is provided, I request that all collection activity cease, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

If this account is being reported to any credit reporting agencies, I request that it be marked as disputed immediately. If you are unable to provide proper verification, I expect this account to be removed from my credit file. 

Please provide your response in writing only. I am keeping a copy of this correspondence for my records. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NY

Complaint narrative:
Company : Chime Product : Checking account Issue : Account closed or frozen / Fraud or unauthorized transactions My Chime checking account is scheduled for permanent closure on XX/XX/year> while I have active fraud disputes pending. I am the documented victim of identity theft and debit card fraud. 

An unauthorized XXXX account was created using my personal information without my consent. My Chime debit card was then used for multiple unauthorized transactions over time, totaling approximately {$12000.00}. I did not authorize these transactions and did not benefit from them. 

I reported this fraud to Chime and initiated disputes. I have also filed, or am in the process of filing, a police report and an identity theft report. Despite this, Chime has refused to provide information, refused escalation to a supervisor, and informed me that my account will be permanently closed with no explanation. 

Closing my account during an active fraud investigation prevents me from continuing my disputes, interferes with my ability to recover stolen funds, and denies me due process as a victim of identity theft. Chime representatives have stated they can not stop the closure and can not provide further assistance. 

I am requesting that Chime allow my fraud disputes to continue despite account closure, provide a written explanation of how my disputed funds will be handled, and return any funds taken through unauthorized transactions in compliance with federal consumer protection laws. 



What would you like the company to do? 

I want Chime to fully investigate the fraud, continue my disputes even if the account is closed, provide written communication regarding the handling of my disputed funds, and return all unauthorized transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
We were the victim of a XXXX XXXX scam. The scammers transferred approximately {$1800.00} from our checking account to our PayPal account and then withdrew to crypto assets. 

We immediately reported the fraud to our bank. The bank investigated and determined the transaction was unauthorized and refunded the full amount. 

Because of the banks reversal, PayPal is now claiming the account has a negative balance and is attempting to collect the money from us, even though the transaction was confirmed as fraud. 

We reported the situation to PayPal, but they refused to remove the negative balance. We should not be held responsible for a transaction that was part of a confirmed scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
XXXX  bank XXXX XXXX  keeps locking me out my account online and took XXXX out my account and didn't want to help me. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. Trying to get money back.gave me print out talking wasn't listening.

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 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: MI

Complaint narrative:
The fact that my PSLF buyback request has been under internal review for over XXXX months is absurd and unacceptable. 

I have XXXX qualifying PSLF payments. I am attempting to buy back XXXX months from the XXXX plan during a period when my required payment was {$0.00}. This does not require months of analysis. A {$0.00} payment remains {$0.00}. There is nothing complex about this calculation. 

The continued delay and vague explanations suggest intentional stalling rather than a legitimate review process. I am being given the runaround by both XXXX and the U.S. Department of Education, and it is becoming increasingly clear that borrowers are being forced to wait indefinitely for reasons that have nothing to do with policy or accuracy. 

This situation should not be treated as a political or administrative game. XXXX is a statutory program, and eligible borrowers are entitled to timely and fair processing. The way this case has been handled is unacceptable and deserves scrutiny. 

If this issue is not resolved immediately, I will continue escalating this matter through oversight agencies and public accountability channels. This delay needs to be exposed and addressed. 

I expect prompt action and written confirmation of resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I didn't have a problem with anyone but the school they withheld my transcript and to this day even though they are paid off they refused to transfer over my transcript to my new school causing me to have to retake classes.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: NY

Complaint narrative:
I recently made a legitimate transaction through PayPal, as I sold a buyer computer parts, and he paid for them using PayPal. Upon the attempt to transfer the funds to my bank account, my account is now locked and I can not access my funds. I have proof of receipt of items and have the buyers ontact information, phone number and email address to verify that the transaction is legitimate and did not violate any of PayPal policy. I also have screenshots of our entire conversation, as further proof that the transaction is legitimate. I jist want my funds retiened to me and i will never use paypal again as this seems to be an ongoing issue with this company, as I have seen many complaints about this on various forums. I like to resolve this issue as soon as possible.Can you help me retrieve my funds? Any information you may need can be provided immediately upon your request. Thank you for your attention to this matter. Sincerely XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 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: NC

Complaint narrative:
I previously attempted to resolve these matters with XXXX, PayPal, and XXXX Bank, but they remain unresolved. 

1. Duplicate Wondershare Charges ( XX/XX/XXXX ) On XX/XX/XXXX, XXXX, via PayPal, submitted three identical {$48.00} charges for the same unsuccessful service ( extracting and downloading my XXXX  chat history ). The service never worked, resulting in significant data loss for my nonprofit. 

These duplicate charges, totaling {$140.00}, should not have been authorized or posted. Despite contacting PayPal and XXXX, the charges remain uncorrected. Please see the attached PayPal statement ( Page XXXX ). 

2. XXXX Billing Error ( XX/XX/XXXX ) On XX/XX/XXXX, XXXX incorrectly billed me {$35.00} through PayPal for a service that had been negotiated at a lower price ( approximately half of {$35.00} ). I disputed the billing immediately with XXXX, which revised the rate and issued a credit on XX/XX/XXXX. 

Meanwhile, this credit never posted to my XXXX XXXX  account. Instead, XXXX applied late fees on the disputed {$35.00} charge, which was invalid from the outset. Please see the attached statement ( Page 4 ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
National Credit Systems sent me a document as debt validation which contains a signature that is not mine, forged without my knowledge or authorization. 
This is a violation of the FDCPA, specifically : XXXX15 U.S.C. s 1692e prohibition against using false representation or means in connection with the collection of a debt. 
-15 U.S.C. s 1692e ( 2 ) ( A ) false representation of character amount or legal status of a debt. 
XXXX15 U.S.C. s 1692e ( 10 ) the use of false representation or deceptive means to collect any debt. 
Attached to this complaint are the following documents to support my allegation : -The initial collection letter i received from National credits Systems Inc -My debt validation request letter i sent by certified mail -Certified mail receipts proving delivery of my validation request -The so-called Validation document containing false signature ( i can send you my real signature if needed ) and false information compared to the initial letter I am requesting that the CFPB investigate these violations of federal law and these actions be taken : -Immediate cessation of collection activities related to this alleged debt -Removal of this account from all credit reporting agencies -Documentation of this violation for potential enforcement action. 
Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I received a gift card from work as a XXXX bonus ; after activating the card and using it one single time on XX/XX/year>, the remaining balance was " used '' in a single transaction on the other side of the country posted XX/XX/year>. I disputed this charge to get the remainder of my balance back, and it was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Greeting Team, LLC DBA Customer Care Global
State: KS

Complaint narrative:
I took out a small loan with XXXX XXXX XXXX in the amount of {$400.00}. Their interest rates are usurious and illegal in the state of Kansas. I am a Kansas resident, and now XXXX XXXX XXXX, a third party debt collector currently under heavy federal scrutiny, is sending me emails demanding I pay roughly {$760.00} on this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NH

Complaint narrative:
I have been harassed by phone calls from Midland Credit Management for about XXXX months now. They call at all hours and will not leave a voicemail nor send me anything in writing as to what their calling me about etc. 

I have NO known knowledge of any uncollected debt that I owe to them or anyone else. 

I have tried in good faith to resolve this matter with Midland Credit Management and to stop being harassed by them, but my attempts have been ineffectual. 

I need your help in doing so to put an end to their continuing harassment or the validation of competent evidence that I have any legal obligation to pay them as I have requested and provided attached proof of doing so. 

I sent a Certified Validation Letter ( all copies of proof attached ) on XX/XX/2025, and this was received and signed for by them on XX/XX/2025. It has been well over the 30 days for them to furnish this proof I requested and to date they have not done so. They continue making calls to me despite my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal has permanently limited my account [ XXXX ] and is currently withholding my 'Available ' balance of {$500.00}. I have no open disputes or pending chargebacks. Under the Consumer Financial Protection Act, I am requesting the immediate release of my funds. Holding these funds for XXXX days without a specific, documented financial risk ( such as an active dispute ) is an unfair and deceptive practice. I request that PayPal provide a specific reason for the hold or release my {$500.00} immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I am writing to express my concern regarding Bank of Americas policy on overdraft coverage. 



I currently have an XXXX XXXX checking account and was informed by a Bank of America chat representative that overdraft coverage is not available unless I maintain a separate backup account. I find this policy unreasonable and harmful to responsible customers.

Many individuals experience short-term financial emergencies such as delayed paychecks, medical expenses, or unexpected bills. In these situations, limited overdraft coverage can prevent serious hardship. I am not requesting unlimited overdrafts or misuse of credit. I am requesting reasonable access to emergency coverage for established customers with good account history.

I have also been actively working to improve my credit score because my husband and I are planning to purchase a home in the near future. We had intended to use Bank of America for our mortgage. However, being denied access to reasonable emergency overdraft coverage has made me question whether Bank of America is the right long-term financial partner for us.

Other major financial institutions provide responsible overdraft options to loyal customers. Bank of Americas current policy unfairly disadvantages customers who do not have multiple accounts and discourages long-term loyalty.

I respectfully request that Bank of America review this policy and consider providing more flexible, transparent, and reasonable emergency overdraft options for responsible customers.

Thank you for your time and consideration. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation