vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I paid {$5600.00} through PayPal XXXX and XXXX for an Omega Seamaster Diver XXXX No Time To Die watch after finding the listing on XXXX. After payment, the seller provided a XXXX tracking number. The tracking showed the package as delivered, but I did not receive anything. I contacted XXXX and they confirmed in writing that the package was delivered to a different name and different address, not to the shipping address associated with my transaction. Prior to shipment, the seller claimed he had accidentally refunded my original payment and sent replacement invoices from different PayPal accounts. One of these invoices was later flagged as fraudulent by PayPal. I opened a claim with PayPal and submitted all supporting documentation, including written confirmation from XXXX showing delivery to the wrong address. Despite this clear evidence, PayPal denied my claim and stated the transaction was not covered under buyer protection. I attempted to contact the seller regarding the issue, but he has not responded and appears to have blocked further communication. The merchandise was not delivered to me as agreed, and PayPal failed to provide protection despite clear evidence of fraud and non-delivery. I am seeking reimbursement for this transaction. I have also initiated a chargeback with my card issuer due to PayPals failure to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: FISERV FINXACT CORE
State: CO

Complaint narrative:
On or about XX/XX/year>, XXXX XXXX XXXX processed two authorized commercial transactions through XXXX XXXX XXXX {$31000.00} for services and goods fully delivered to a client. XXXX subsequently placed an indefinite hold on these funds without legal justification, proper notice, or contractual authority. No chargeback had been filed at the time of the hold. Services were fully rendered and goods fully transferred prior to any action by Fiserv. Fiserv then made unauthorized adjustments to our merchant account to allow refunds to be processed against our held funds without our consent in violation of the Electronic Funds Transfer Act and our Merchant Services Agreement. When we asserted our legal rights, including filing a prior CFPB complaint and issuing a formal legal demand, Fiserv/XXXX retaliated by placing or causing the placement of Powerhouse XXXX XXXX on the Mastercard XXXX XXXX, permanently blocking our ability to obtain merchant processing services. This listing was made while active chargeback disputes remained unresolved, without adequate prior notice, and without opportunity to cure all in violation of Mastercard Rules and applicable federal law. XXXX XXXX XXXX is a federally registered freight carrier ( XXXX / XXXX ), XXXX certified federal contractor XXXX with XXXX years of operating history and Fortune XXXX client relationships.

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 2026-03-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Attempted resolutions to date : At Store level Best Buy Manager XXXX XXXX XX/XX/XXXX Sent letter and supporting documentation ( Including Copies of my credit report from the 3 reporting agencies ) to Best Buy Billing Disputes & Citi Bank Biling Disputes on XX/XX/XXXX Return receipt Requested. They in turn sent me a formal dispute form which I returned on XX/XX/XXXX. Many phone contacts made with both Citi Cards and Best Buy, to outsourced phone banks in other countries to no avail. Both entities refuse to use my correct mailing address, which creates a lag time in mail being rerouted, and they have been notified multiple times. They started to impact my credit. FTC XX/XX/XXXX # XXXX Virginia States Attorney General XX/XX/XXXX # XXXX XXXX XXXX XX/XX/XXXX # XXXX ( XXXX XXXX ) I severed all contact with Best Buy and Citi Bank after a horrible purchase experience in XX/XX/XXXX. They screwed up my download of data onto a new computer I purchased from them, and I had to contract with another vendor to resolve matter. I started getting bills for alleged renewal of software services in XX/XX/XXXX, and I started disputing the charges. In XX/XX/XXXX I started getting credits back on this alleged account I no longer had, for charges not authorized by me. At this time the balance went down from approximately {$320.00} to an alleged {$37.00}. On XX/XX/XXXX, they started chasing me for the {$37.00} stating this charge was not canceled during the trial period or before the subscription renewed! They keep double dunning me from both Best Buy & Citi bank, with missed payment fees that are larger than the {$37.00} they have been pursuing me for and have impacted my otherwise impeccable credit. They set the precedence by refunding all the other bogus fees, but now the meter is running. The current balance is now up to {$150.00} as of this month 's bill, due date today. This is harassment is its finest form, and per the FDCPA Guidelines, I view this as blatant fraud. My complaint to the VA. AGO is not even assigned yet as of XX/XX/XXXX, and I am told they are running 100 days behind in their back log. Please assist. Thank you.

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 2026-03-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hello, On XX/XX/2026, I paid off my Chase Sapphire Reserve card balance in full. By the end of XX/XX/2026, Chase reduced my credit limit from {$31000.00} to {$500.00}. This is a reduction that occurred immediately after I paid off my balance in full and while I was still enrolled in their hardship program. The hardship program ended on XX/XX/2026. My current credit score ( as reported through the Chase portal ) is 806, demonstrating responsible credit management and financial recovery. On XX/XX/2026, I called Chase to request that my credit limit be restored now that the hardship program had ended. I was told by a Chase representative that they would not restore my limit. I asked to escalate to a supervisor and was told that she is a member of the escalations department. I was not transferred to anyone else. She declined to restore my limit or waive my {$790.00} annual fee, despite the card being effectively unusable at a {$500.00} limit. I pay {$790.00} per year for this card. I requested either a credit limit restoration, a fee waiver, or a prorated refund of the annual fee. Chase declined all three requests. I am requesting that Chase restore my credit limit to {$31000.00}, waive or prorate the {$790.00} annual fee, and provide documentation explaining the basis for the credit limit reduction. Additionally, I am unable to access my XX/XX/2026 statement through the Chase online portal. My most recent visible statement is dated XX/XX/2026, despite today being XX/XX/2026. The missing statement covers the exact period during which my balance was paid off in full and my credit limit was reduced from {$31000.00} to {$500.00}. I am requesting that Chase provide this missing statement as part of their response. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: GA

Complaint narrative:
I am disputing a collection account reported by National Credit Systems in the amount of {$3000.00}, opened on or around XX/XX/XXXX. This debt is not valid and is the result of incorrect and disputed charges from a former apartment complex following my move-out in XX/XX/XXXX. During my tenancy, I experienced ongoing issues with management, including poor communication and account mismanagement. On XX/XX/XXXX, I sent written communication to the property regarding a notice placed on my door threatening to change my locks and charge me, despite management having access to the unit. This reflects the disorganization and ongoing disputes that existed prior to my move-out. I provided notice and vacated the unit around XX/XX/XXXX. During my tenancy, I was overcharged rent in the approximate amount of {$4000.00} due to errors and mismanagement by the apartment. I raised this issue multiple times, but it was not corrected. As a result, any balance being claimed is inaccurate and does not reflect the true accounting of payments made. After moving out, a collection account was placed on my credit report for {$3000.00}, which I do not believe I owe. I have disputed this account multiple times with XXXX XXXX XXXX : Dispute # XXXX resolved XX/XX/XXXX Dispute # XXXX resolved XX/XX/XXXX Dispute # XXXX resolved XX/XX/XXXX Dispute # XXXX resolved XX/XX/XXXX Despite these repeated disputes, the account continues to be reported without proper validation or sufficient documentation proving that I owe this debt. I requested validation of this debt, including an itemized breakdown of charges and proof of liability, but this information has not been adequately provided. I am requesting a full investigation into this matter, proper validation of the alleged debt, and removal of this collection account from my credit report if it can not be verified as accurate. This inaccurate reporting is negatively impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: Experian Information Solutions 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 2026-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
I am filing a complaint against Columbia Bank regarding unauthorized ACH transactions on a bank account held in the name of XXXX XXXX. I am the Successor Trustee and sole beneficiary responsible for handling her affairs. The bank had already been notified of the situation and had restricted the account. Despite this, unauthorized ACH transactions were allowed to occur. I did not authorize any of these transactions. This represents a serious failure by the bank to safeguard the account after it had notice of the circumstances and had already placed restrictions on the account. Allowing transactions under these conditions constitutes improper handling of funds and a breach of the banks duty of care. I reported this issue to the bank, and they acknowledged the unauthorized ACH activity and confirmed that the matter was escalated internally on XX/XX/year>. However, I have not received any meaningful update, timeline, or resolution since then. The bank has failed to : - Prevent unauthorized ACH withdrawals from a restricted account - Provide a clear explanation of how these transactions were allowed - Provide documentation or authorization for the transactions- Provide a timeline for resolution or reimbursement I am requesting the following : 1. A full investigation into the unauthorized ACH transactions 2. A complete list of all unauthorized transactions, including dates and amounts 3. Copies of any authorization or verification used to process these transactions 4. Immediate reimbursement of all unauthorized withdrawals 5. A written explanation of how these transactions were allowed after the account was restricted This matter involves unauthorized access to funds and requires urgent resolution. I am requesting immediate regulatory review and assistance in resolving this issue.

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 2026-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SinglePoint GI
State: MA

Complaint narrative:
I am disputing a paid collection account that was reported by XXXX XXXX XXXX XXXX XXXX. The balance was paid immediately upon discovery. I was not made aware of the outstanding balance before it was sent to collections from XXXX XXXX, and the phone number listed on my credit report for this account was never functional, calls went straight to voicemail or the operator. They did try to reach out to me, however I thought it was a scam because there was no company name on credit report, and my father was handling my account so I was unaware that anything was unpaid. I have submitted multiple requests through XXXX website and called several times, but was told that nothing could be done because the account is closed. I am requesting a formal review and removal of this account from my credit report as a goodwill deletion due to these circumstances. Since the account has been fully paid and I did not receive proper notice, I believe this account has caused significant harm to my credit unfairly. Please contact XXXX to verify the accounts payment and review this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Charge of Statement was on XX/XX/XXXX. No payments were made in XXXX, and I was only made aware of this debit when I was summons, and this debit was always dismissed previously. Apparently, payments have been made on the account, but I have no knowledge of these payments, and these payments did not come from a card of any form in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I made an online purchase with my Amex card that turned out to be a scam. The seller was to provide 3 projector lamps, but I received blocks of plastic that do not project. I asked seller to provide return shipping and they are unresponsive. Amex refuses to handle dispute, so I will end my 10 year relationship over their support of the scammer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I called capital one XXXX XX/XX/year> for release of XXXX of property but capital one never released XXXX on property. and they refused to to do so this debt was XXXX in bankruptcy. capital one refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: AZ

Complaint narrative:
Through this CFPB complaint, I am formally asserting my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by submitting a combined dispute and validation request to CREDIT CONTROL , LLC. I have attached a detailed written request that outlines all necessary documentation to validate the alleged debt. Specifically, I am requesting : A complete copy of the original signed contract or agreement that created the alleged obligation. A full itemized account history, including all charges, payments, interest, fees, adjustments, and charge-offs. Documentation showing that CREDIT CONTROL , LLC currently owns the debt, including any purchase or assignment contract. The name and address of the original creditor. Copies of any prior notices or communications, including the validation notice required under 15 U.S.C. 1692g ( a ). Additionally, to verify the accuracy and completeness of the information associated with this account, I have requested : The Date of First Delinquency ( DOFD ), as recorded by the original creditor. The charge-off date of the account. The assignment or purchase date, including documentation of the transfer to CREDIT CONTROL , LLC. The full data set maintained for the account ( status, balance, date opened, dispute codes ). A description of the investigation procedure used, if this account has previously been disputed. This complaint ensures the request is formally submitted through a regulatory channel, with full documentation. Please ensure that all XXXX items requested in the attached letter are addressed completely and directly.

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 2026-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I am submitting a follow-up complaint regarding Credit Acceptance and the continued inaccurate reporting of this account. The vehicle associated with this account was totaled in XXXX, and I have not had possession of it since that time. I previously provided documentation, including a XXXX report, confirming that the vehicle has been sold multiple times and is no longer associated with me. Despite this, Credit Acceptance continues to report this account as an active loan with ongoing late payments each month, which is inaccurate and damaging to my credit. I previously filed a complaint and received a response that did not meaningfully address my dispute or the documentation I provided. Additionally, I sent a written request for method of verification via certified mail on XX/XX/XXXX. I have attached proof of delivery. I did not receive any response. However, on XX/XX/XXXX, Credit Acceptance sent me a letter attempting to collect or settle the balance on this account. This demonstrates that they are actively managing and attempting to collect on the account while failing to respond to my verification request. Credit Acceptance has failed to properly verify this account and continues to report inaccurate information. I am requesting the immediate deletion of this account from my credit report.

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 2026-03-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I paid the balance to third party collections MRS BPO. They do not credit report they advised they have closed the account and notified XXXX. I called XXXX they are saying they dont see the balance as XXXX and keep sending me back to the collections they will not communicate with each other and remove this balance or update it as paid. I was also told on a recorded line this debt was pay to delete and paid the payment now they are saying they do not do that. I have been given false information in order to obtain a payment for a debt that I called to pay.

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 2026-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
The perpetrator, operating under the proposed false identity of XXXX XXXX ( phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), posted a fraudulent listing for XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX using stolen photographs and details of a legitimate property. The scammer induced the victim, XXXX XXXX, to sign a fabricated month-to-month lease agreement ( from a generic online template ) and to transfer {$2700.00} in " rent and security/ pet deposits '' via Chime before any in-person verification. XXXX XXXX XXXX XXXX XXXX XXXX confirm the property is owned by XXXX XXXX XXXX and XXXX XXXX, with no ownership or rental authority held by XXXX XXXX. Key fraudulent elements proven include : Use of non-owned property photos and address Demand for irreversible electronic payments before access Provision of a fake entry code and evasive communications Complete absence of any legitimate landlord-tenant relationship Upon arrival at the residence on XX/XX/year>, the victim confirmed the deception, documented the location with timestamped photographs, flagged the XXXX XXXX ( removed XX/XX/XXXX ), and initiated a police report via XXXX. This packet contains complete screenshots of the listing, all text/email correspondence, payment records, the forged lease, ownership verification, and police contact confirmation. It establishes beyond a reasonable doubt that the victim was targeted in a premeditated rental scam resulting in a {$2700.00} financial loss. No further rental funds will be sent, and the victim has vacated any attempt to occupy the property. This documentation supports full criminal and civil remedies available under Texas law for theft by deception and wire fraud.

Company response to consumer: Closed with explanation