vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Name : XXXX XXXX Financial Institution : Navy Federal Credit Union Product Type : Debit Card Amount in Dispute : {$3000.00} Timeframe : XX/XX/XXXX XX/XX/XXXX I am filing this complaint to report Navy Federal Credit Unions handling of an unauthorized debit card transaction dispute and its failure to comply with federal consumer protection requirements. 

In early XX/XX/XXXX, three high-value debit card transactions totaling {$3000.00} were posted to my account without my authorization. My debit card remained in my possession at all times. I did not authorize, participate in, or benefit from these transactions.

I reported the activity immediately and filed a formal fraud claim. Navy Federal denied the claim within days, stating that I authorized or participated in the transactions. However, Navy Federal has repeatedly refused to provide any documentation, transaction-level evidence, or explanation supporting this determination.

I requested a second review, formally requested documentation multiple times, and submitted a written Regulation E demand requesting disclosure of the evidence relied upon in denying my claim. Navy Federal repeatedly stated that documents were attached, but no documents were ever provided. They later stated their investigation was largely electronic and proprietary. 

On XX/XX/XXXX, Navy Federal unilaterally closed the matter without responding to the Regulation E demand or providing any supporting evidence.

I believe Navy Federal failed to conduct or demonstrate a reasonable investigation, failed to explain the basis for its determination, and failed to provide documents relied upon, as required under the Electronic Fund Transfer Act ( Regulation E ).

I am requesting that Navy Federal be required to review this matter appropriately, disclose the evidence relied upon, and correct any regulatory non-compliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
This matter arises from debt-collection and litigation activity conducted by Cohn , Goldberg & Deutsch , LLC on behalf of XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX and continuing after a default judgment was later vacated by the Circuit Court XXXX 
In XXXX and XX/XX/XXXX, I sent formal debt validation letters requesting full validation of the alleged debt, including the original signed contract, proof of ownership or authority to collect, a complete payment history, and verification of my identity and correct address prior to litigation. The firm did not provide proper validation and instead sent only brief account summaries that did not satisfy the requirements of the FDCPA. 
Despite the lack of validation, the firm filed a lawsuit in Maryland XXXX XXXX in XXXX. I was never personally served with the lawsuit or subsequent motions. Instead, service was allegedly made on my brother, yet the firm repeatedly treated the case as though I had been properly served. 
Additionally, important motions, notices, and court filings were sent to incorrect and inconsistent addresses that were not associated with either me or my brother. Documents intended for my brother were at times sent to me, even though I was never served, while other documents were sent to addresses neither of us had lived at or been associated with, including addresses we had never used. Despite these irregularities, the firm proceeded as though proper service had occurred. As a result of these inconsistent and improper practices, the firm was able to move the case forward and persuade the court to enter a default judgment that should never have taken place. Neither I nor my brother was properly served, yet the firm continued to pursue litigation and collection activity without lawful service or proper debt validation. 
On XX/XX/XXXX, the XXXX XXXX for XXXX XXXX XXXX, Maryland vacated the Order of Default, expressly finding improper and inconsistent service of motions and notices and invalidating the default judgment. The matter was remanded for further proceedings. 
Despite this appellate ruling, the firm failed to take corrective action and continued to act as counsel in the collection matter while relying on prior improper service and defective assumptions regarding notice. Throughout this period, I disputed the debt and attempted to resolve the matter through validation requests, prior CFPB complaints, and court filings. 
The firms conduct reflects a pattern of pursuing collection activity without proper validation, relying on defective service, using incorrect addresses, and disregarding a court order vacating the default judgment. I am requesting CFPB review of the firms debt-collection practices and compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Citi bank will not resolve my account issue expeditiously I informed them that I want all of my funds out of the account they lock my account with over XXXX in it I need my fund I have medication and bills I need to pay with the money

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 2026-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AR

Complaint narrative:
Company : XXXX XXXX XXXX XXXX Account : Unknown/ Not Recognized Amount : {$440.00} Issue Type : Incorrect information on credit report / Debt not mine Complaint Description I am submitting this complaint regarding an account that XXXX XXXX, XXXX is reporting on my credit report that does not belong to me. 

I have never conducted business with XXXX XXXX XXXX XXXX, nor have I entered into any contract, agreement, or financial obligation with this company. I do not recognize this alleged debt and dispute its validity entirely. 

I previously disputed this account with the credit reporting agencies. Despite my dispute, the account was returned as verified. However, verification alone does not establish accuracy or ownership. XXXX XXXX has failed to provide any documentation showing that I authorized, opened, or benefited from this alleged account. 

To date, XXXX XXXX has not provided : A signed contract or agreement bearing my signature Proof that I authorized or incurred this debt Proof of the original creditor relationship A valid chain of assignment showing lawful ownership of the debt Reporting an unverified and inaccurate collection account violates the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ).

This inaccurate reporting is causing harm to my credit profile and financial standing. I am requesting the CFPBs assistance to ensure XXXX XXXX, XXXX complies with federal law. 

Resolution I Am Seeking I am requesting that XXXX XXXX XXXX XXXX : 1. Immediately delete this account from all credit reporting agencies 2. Cease reporting inaccurate and unverified information 3. Provide written confirmation that the account has been removed I am not acknowledging this debt, nor am I requesting payment arrangements. I am demanding accuracy, validation, and compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 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:
On XXXX XXXX Paypal decided to permanently deactivate my account. 
I contacted them immediately to find out what was going on. I got XXXX information-they kept insisting on not releasing any risk department related information due to the companies security policy. 
They kept insisting on saying all over again that no further information available. I asked them for contact information of a person/department I could speak to investigate further, since I was not okay with their sudden decision to close my account. They failed to provide this as well. I was on hold for about 10 minutes and I was told that my information was sent to their back end to investigate further. I was promised a response in 72 hours with their decision. I got nothing. I still can not use my account with {$3800.00} stuck. I cant transfer money to my bank or do anything with it for the next 120 days. I dont feel comfortable having my account closed with money on it. After being a customer for over 20 years I felt no loyalty or transparency from PayPal. Who does that? No phone calls, emails were received prior to closing of my account from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
We truly didnt receive the final mobile app product and need to escalate the disputes. Theres no non-refundable terms on the contract. This is a fault claim from both XXXX and Goldman Sachs.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Eastern Revenue, Inc.
State: PA

Complaint narrative:
I am writing to formally dispute student loan charges associated with my enrollment at The XXXX XXXX XXXX for the XXXX XXXX XXXX 

During this semester, I was unable to attend classes or utilize university services due to a serious XXXX emergency that required XXXX and XXXX. As a result, I did not participate in coursework, access campus facilities, or otherwise receive the educational services for which these charges were applied. 

Despite this, I am currently being held financially responsible for a student loan covering this period. I respectfully dispute the validity of these charges, as they do not reflect services rendered or benefits received. I believe this situation warrants a review under XXXX XXXX medical withdrawal, tuition adjustment, or administrative relief policies. 

I am prepared to provide supporting medical documentation upon request to substantiate my hospitalization and inability to attend during the affected term. I kindly request that this account be reviewed and that the disputed charges be adjusted, reduced, or removed as appropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I am a minor with a XXXX XXXX checking account opened with my parent. On XX/XX/year> I was scammed through Zelle. I sent XXXX Zelle payments totaling {$140.00} for digital goods. After receiving payment, the recipient reclaimed access to the goods and blocked all communication. 

I immediately attempted to report the transactions but found no clear option within the XXXX XXXX app to report Zelle scams. I have since contacted XXXX XXXX through secure messaging to request an investigation and possible reimbursement. 

I understand that the payments were authorized ; however, the transactions involved fraud, as the seller intentionally reclaimed the product after payment. I am requesting that XXXX XXXX review this case, investigate the recipient for fraudulent activity, and determine whether reimbursement or any exception applies, especially given that I am a minor and this was a first-time scam. 

I am filing this complaint because I am seeking assistance with investigation, clearer reporting options for XXXX fraud, and a fair review of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express allowed a charge on my credit card that I didnt purchase and certainly am not responsible for the charge. I disputed the charge but American Express sent a letter to my address stating that. We gathered the attached documentation we needed to explain this charge, and weve determined that youre responsible for the amount in question, Which is {$120.00} from a company I never heard of and again, I certainly didnt charge this amount to a company I dont know anything about. And the letter they sent states its a recurring charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
I am submitting this complaint to report continued harassment and violations of the Fair Debt Collection Practices Act ( FDCPA ) by Westlake Financial regarding my consumer account # XXXX XXXX XXXX XXXX XXXX 
Westlake Financial has engaged in repeated debt collection calls to my phone number, including multiple calls and voicemails placed less than one hour apart on the same day. This conduct occurred after I had already reported similar behavior to the XXXX XXXX XXXX under Complaint # XXXX on XX/XX/XXXX. Westlake Financial was previously advised that all future communications were to be made in writing or by email only using the contact information already on file with their company. Despite this notice, Westlake Financial has resumed repeated phone calls, in direct violation of my request and the FDCPA. 
Consumer Phone Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Creditor/Debt Collector : Westlake Financial Date XXXX XX/XX/XXXX Location Shown : XXXX XXXX XXXX CA Date Time Incoming Number Labeled Caller Type Notes XX/XX/XXXX XXXX PM XXXX ( XXXX ) XXXX XXXX XXXX XXXX CA Call / Voicemail call ; voicemail left ( XXXX ). 
XX/XX/XXXX XXXX PM XXXX ( XXXX ) XXXX Westlake Call. 
XX/XX/XXXX XXXX PM XXXX ( XXXX ) XXXX Westlake Call / Voicemail ; voicemail left ( XXXX ) identifying Westlake Financial Services. 

Thank you for your attention to this matter. I am requesting CFPB intervention to ensure compliance and to prevent further harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX at approximately XXXXXXXX XXXX before applying for the Chase Sapphire Reserve credit card, I contacted Chase customer service to ask whether, if I was eligible for the XXXX point welcome bonus, that offer would apply regardless of whether I applied directly or through a referral link. The Chase representative told me that if I was eligible, I would have access to the XXXX point offer regardless of the application method. 

Relying on that information, I applied through a referral link. After approval, I was informed that applying through a referral link made the higher offer unavailable, meaning the information I was given prior to applying was incorrect. 

I contacted Chase through secure messaging to request review. On XX/XX/year>, Chase responded in writing acknowledging that misinformation was provided prior to applying, but stated they would not correct the issue or provide equivalent compensation. 

Had accurate information been provided before I applied, I would have applied through the appropriate channel to preserve eligibility for the higher offer. Chase refusal to remedy acknowledged misinformation resulted in a loss of approximately XXXX dollars in rewards value.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am filing this complaint because Capital One opened XXXX credit card accounts in my name without my knowledge or authorization, despite the presence of an active fraud alert on my credit files. 

I did not apply for, consent to, or benefit from these XXXX accounts. At the time the accounts were opened, I had fraud alerts placed with the credit bureaus requiring creditors to take additional steps to verify my identity before opening new accounts. Capital One failed to contact me or perform proper identity verification prior to opening these accounts. 

Capital One did not call, email, or otherwise attempt to confirm my identity, even though fraud alerts clearly instruct creditors to do so. This failure directly enabled identity theft. 

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and reporting this matter as identity theft. I am requesting that Capital One : 1. Immediately close both fraudulent accounts 2. Remove all balances, fees, and charges associated with these accounts 3. Permanently delete any negative or inaccurate credit reporting related to these accounts from all credit bureaus 4. Provide written confirmation that I have no financial responsibility or liability for these fraudulent accounts I am prepared to provide documentation including an FTC Identity Theft Report, proof of identity, and proof of address. Any continued reporting, collection activity, or delay in correcting this matter is inaccurate and harmful. 

I request a full written response confirming complete resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2025, I attempted to use my Wells Fargo debit card for a XXXX payment. My card was flagged and restricted. When I contacted Wells Fargo customer service, I was informed that I must visit a branch to prove my identity because my voice allegedly does not match my name.

I explained that I am a XXXX XXXX and that my voice is affected by prescribed medical treatment. Despite this explanation, the representative laughed during the call. I believe this interaction reflects discriminatory treatment based on gender identity and a failure to provide reasonable customer accommodation.

Following this call, Wells Fargo fully restricted my account, preventing me from accessing {$2100.00} of my funds. I was told the funds could be held for up to 90 days before a check would be issued, with no immediate or reasonable alternative access provided.

Additionally, Wells Fargo canceled a rent transfer I had already sent to my roommate in the amount of {$720.00}, and I have another {$57.00} in there. This is further worsening my financial hardship. As a result, I am unable to meet housing and basic living expenses.

I am requesting CFPB assistance to restore access to my funds, address the improper account restriction, and review Wells Fargos identity verification practices for compliance with consumer protection and anti-discrimination laws.

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 2026-01-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am writing in response to your communication regarding the alleged credit card debt.in the amount of {$840.00}. This letter constitutes a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt in its entirety.

Until proper validation is provided, you are required to cease all collection activity related to this account.

Specifically, I request that you provide the following documentation : 1. Verification of the amount of the alleged debt, including a complete itemization of principal, interest, fees, and any other charges.

2. The name and address of the original creditor and the date the account was opened.

3. A copy of the original signed credit card agreement or application bearing my signature, or other competent evidence that I agreed to the debt.

4. A complete chain of title, including a copy of the assignment contract, bill of sale, or other legal documentation proving your authority to collect this alleged debt.

5. Documentation demonstrating that your agency is properly licensed and legally authorized to collect credit card debt in my state, if applicable.

Cease and Desist Notice Pursuant to 15 U.S.C. 1692c ( c ), you are hereby directed to cease and desist all communication with me regarding this alleged debt, including but not limited to telephone calls, emails, and written correspondence, except as permitted by law to provide the requested validation or to notify me of specific legal action you intend to take.

Please note that account statements, internal computer printouts, or summaries do not constitute proper validation. Failure to provide the requested documentation will require you to close this account and cease all collection efforts. Any reporting of this unvalidated debt to consumer reporting agencies must be discontinued and removed.

This letter is not an acknowledgment of liability nor a waiver of any rights. It is sent solely for the purpose of exercising my rights under federal law.

I expect your written response within the timeframe required by law

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I am filing a complaint regarding inaccurate and unfair credit reporting by Capital One. 

Capital One reported negative information on my credit report related to this account without providing me a meaningful opportunity to dispute the charges before the negative reporting occurred. I was not aware of the disputed charges until after the account had already been reported negatively. 

Despite this, I paid the full amount owed on the account. However, Capital One continues to report negative information on my credit report, which is causing ongoing harm even though the account has been fully satisfied. 

Reporting negative information on a paid accountespecially when the consumer was not afforded a fair opportunity to dispute the chargesis inaccurate and unfair under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation